JP6877938B2 - Balance management system, method and program - Google Patents

Description

The present invention relates to a balance management system, method and program that can be jointly used by parents and children. More specifically, the present invention relates to a balance management system, method and program that can be jointly used by a parent and child, with a function of facilitating communication between the parent and child.

In recent years, financial literacy for children has helped them learn about professions, how to use and increase sound money, and have broad knowledge of finance and economics in order to become members of a responsible society in the future. Education is becoming more popular. For example, schools and PTAs are taking the lead in efforts for money and career education in which parents and children think about money and work together. In addition, financial institutions are also engaged in financial and economic education for children by holding workplace tours and various seminars at banks and securities companies.

As a tool for children to manage their own money, "pocket money book" is known as a corresponding household account book used by adults. Conventionally, it has been known that as a pocketbook, the money received (for example, monthly pocket money) and the money spent are recorded in a notebook, etc., but in recent years, with the spread of smartphones and tablet terminals, etc. , Applications for pocketbooks (sometimes abbreviated as "apps" in this specification) have also come to be used. For this reason, in recent years, a household account book application (Patent Document 1) has been used for adults, and a pocket money application has been used for children.

In such a household account book application and pocket money application, the user records the daily income and expenditure to display the usage status for each expense item (category) in a table or graph format, and the total amount of income and expenditure for multiple months. Many were known to provide the ability to compare and display available amounts.

JP-A-2016-042236

However, in the household account book application as shown in Patent Document 1, the user is limited to himself / herself, and the function of cooperating with others is not provided. The same applies to the pocket money app, which was basically used by oneself.

For financial literacy education for children, for example, it is important for parents and children to enjoy learning together, but conventional pocket money apps do not provide such a function, and children simply have their own. Only known were able to enter money balances and take advantage of several display features.

The present invention has been made to solve such a problem, and provides a balance management system, a method, and a program that can be jointly used by a parent and a child, and has a function of promoting communication between the parent and the child. The purpose is.

The balance management system, which is one aspect of the present invention, is a means for storing the balance data received from the first terminal, and the balance data is associated with the first user, and the means and the first. In response to receiving data from one terminal, the means for generating unconfirmed savings data and in response to a request from the second terminal associated with the second user, the unconfirmed savings data is generated. A means for transmitting to the second terminal and a means for receiving a first signal from the second terminal indicating that the unconfirmed savings data has been approved by the second user, which has been approved. The savings data corresponds to the savings data in response to a means indicating the transfer of money between the first user and the second user and the receipt of the first signal. The means for generating the balance data to be generated, the generated balance data is not based on the input of the first user, but is provided with means based on the automatic generation by the balance management system.

The balance management system, which is one aspect of the present invention, is a means for storing the balance data received from the first terminal, and the balance data is associated with the first user, and the means and the first. A means of generating unapproved help data in response to receiving data from one terminal and the unapproved help in response to a request from a second terminal associated with a second user. A means for transmitting data to the second terminal and a means for receiving a first signal from the second terminal indicating that payment is made for the unapproved help data, and the approved help data. Is a means based on pre-arranged actions between the first user and the second user, and payment data corresponding to the help data in response to receiving the first signal. The payment data is a means for generating the balance data, the payment data indicates the transfer of money from the second user to the first user, and the generated balance data is the first user. It is provided with means based on the automatic generation by the balance management system, not based on the input of.

According to the present invention, it becomes possible to provide a balance management system, method and program useful for financial literacy education of children through communication between parents and children.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description illustrated in connection with the accompanying drawings.
It is a block diagram of the whole system including the system which concerns on this invention. It is a system block diagram of the system which concerns on this invention. It is a figure which shows an example of the user master which concerns on this invention. It is a figure which shows an example of the balance data which concerns on this invention. It is a figure which shows an example of the savings data which concerns on this invention. It is a figure which shows an example of help data which concerns on this invention. This is a screen example of the pocket money book function of the pocket money application according to the present invention. This is a screen example of the savings function of the pocket money application according to the present invention. This is a screen example of the help function of the pocket money application according to the present invention. It is a figure which shows an example of the calendar screen 1000 used in the pocket money application which concerns on this invention.

(overall structure)
FIG. 1 is a configuration diagram of the entire system including the system 100 according to the present invention. In the present specification, the system 100 is described as a system controlled by a financial institution such as a bank or a credit card company for convenience of explanation, but the present invention is not limited to this embodiment. It should be understood that in other embodiments of the invention, it may be controlled by an operating entity other than a financial institution.

The system 100 is a system controlled by the financial institution 1 and can be communicably connected to the first terminal 110 and the second terminal 120 via the network 130. The system 100 can download the pocket money application described later in the present specification to the first terminal 110 and the second terminal 120, and various functions of the pocket money application can be provided to the first terminal 110 and the second terminal 120. It is possible to perform the processing to be executed above and store various data used in the pocket money application. The first terminal 110 and the second terminal 120 are terminals used by a user (for example, a parent and one or more children) who use the pocket money application according to the present invention. The network 130 may be a well-known network capable of intercommunication, and includes, for example, the Internet, a cellular network, a wireless LAN, and the like. The network 130 is not particularly limited as long as it can communicate between the system 100 and the first terminal 110 and the second terminal 120.

The first terminal 110 and the second terminal 120 can be used by downloading an application such as a pocket money application from the system 100, such as a tablet terminal, a smartphone, or any other device that can operate in a wired or wireless environment. A type of device. In one embodiment of the present invention, a parent and child download a pocket money application to a first terminal 110 and a second terminal 120, a child uses the first terminal 110, and a parent uses a second terminal 120. Although the embodiment will be described, the same terminal 110 may be shared by the parent and child. In this specification, for convenience of explanation, only two devices, the first terminal 110 and the second terminal 120, are shown, but it should be understood that the number of devices increases according to the number of users.

(System configuration)
FIG. 2 is a system configuration diagram of the system 100 according to the present invention. As shown in FIG. 2, the system 100 has a control unit 201, a main storage unit 202, an auxiliary storage unit 203, an interface (IF) unit 204, and an output connected to each other by a bus 220 or the like, similarly to a general computer. The unit 205 can be provided. Further, the system 100 can include the user master 206, the balance data 207, the savings data 208, the help data 209, and the setting data 210.

The control unit 201 is also called a central processing unit (CPU), controls each component in the system 100, calculates data, and transmits various programs stored in the auxiliary storage unit 203 to the main storage unit 202. It can be read and executed. The main storage unit 202 is also called a main memory, and can store various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device typified by a hard disk (HDD) or the like, and is used when storing data or programs for a long period of time.

In the embodiment of FIG. 2, an embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided in the same server computer will be described, but as another embodiment, the system 100 has the control unit 201, the main storage unit 201, and the main By using a plurality of storage units 202 and auxiliary storage units 203, it is possible to realize parallel distributed processing by a plurality of server computers. Further, as another embodiment, it is also possible to install a plurality of servers for the system 100 so that the plurality of servers share one auxiliary storage unit 203.

The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from the system operator. Can be done. The output unit 205 can provide a display screen for displaying the processed data, a printing means for printing the data, and the like.

The user master 206 is a master table that stores information on parents and children who are users of the pocket money application according to the present invention. FIG. 3 shows an example of the user master 206 according to the present invention. The user master 206 can include a user ID 301, a password (PW) 302, a user name 303, a parent-child division 304, a parent ID 305, a balance 306, and a savings balance 307, but is not limited to these data items. Data items such as address, contact phone number, email address, date of birth, age, gender, etc. can also be included.

The user ID 301 is an identifier that identifies a person who uses the pocket money application according to the present invention. The password (PW) 302 is an authentication password used when the user logs in to the pocket money application. The user name 303 indicates the user name of the user, and the parent-child division 304 indicates whether the user is a parent or a child. The parent ID 305 is a data item that specifies the parent user ID 301 when the user is a child. By setting the information in the parent ID 305, it is possible to register the parent-child relationship. The balance 306 indicates the total amount of pocket money held by the parent, and the savings balance 307 indicates the total amount deposited with the parent. The balance 306 indicates the current balance of pocket money and is described in the "pocket book function" described later, and the savings balance 307 indicates the current savings balance and is described in the "savings function" described later.

The balance data 207 can store the balance data based on the data received from the user and the balance data automatically generated by the system 100, and can also store the information of the retrospective evaluation between the parent and the child regarding the input contents. It is a data file. The pocket money application according to the present invention can provide a function for inputting the balance of payments, which is the usage status of pocket money, and the balance data 207 is data used when using the pocket money book function. is there. FIG. 4 shows an example of the balance data 207 according to the present invention. The balance data 207 can include a user ID 301, a date 401, a sequence number 402, an event 403, an amount 404, and an evaluation flag 405, but is not limited to these data items and also includes other data items. It can be configured as follows. For example, the system 100 may be configured to improve the response speed when the parent user accesses the data by including the parent ID 305 in the balance data 207.

The date 401 indicates the date when the balance was generated, and the sequence number 402 indicates the sequence number assigned when a plurality of balances are generated on the same date. The item 403 stores data indicating the balance contents such as "○ month's allowance" and "purchase of sweets". The amount 404 indicates the amount information according to the content input in the item 403. The evaluation flag 405 can store information on the result of looking back between the parent and the child regarding the balance contents. In one embodiment of the present invention, the information on the retrospective result can be a predetermined message (for example, "very well done", "well done", "let's do our best"). Further, in another embodiment of the present invention, marks such as ⊚, ◯, and Δ can be set. As the set message and / or mark, a predetermined one can be registered in the system 100 and used, or a predetermined one can be registered in the system 100 while having a discussion between the parent and child. It can be used, and the number of each message can be totaled in a certain period.

The savings data 208 can store data when a child deposits his / her pocket money with a parent or withdraws the money deposited with the parent. The pocket money application according to the present invention can provide a function for educating the enjoyment of saving money and operation, and the saving data 208 is data used when using the saving function. FIG. 5 shows an example of the savings data 208 according to the present invention. Savings data 208 may include user ID 301, date 501, sequence number 502, event 503, amount 504, and parental confirmation flag 505, but is not limited to these data items. Can also be configured to include.

The date 501 indicates the date on which the savings or withdrawals occurred, and the sequence number 502 indicates the sequence number assigned when a plurality of savings or withdrawals occur on the same date. The item 503 indicates an act such as saving or withdrawing, and the amount 504 indicates the amount information according to the content input in the item 503. The parent confirmation flag 505 is a flag that is input via the pocket money application according to the present invention when the parent actually receives money from the child, and the savings data for which the parent has not been confirmed is treated as valid data. I can't. Further, the parent confirmation flag 505 is also used as a flag indicating whether or not the parent has approved the child even when the child withdraws money from the parent.

The help data 209 is a help function provided by the pocket money application according to the present invention, in which a child can get a fee when he / she applies to a parent for the contents of the actual help (for example, washing dishes, shopping, cleaning). This is the data used. FIG. 6 shows an example of help data 209 according to the present invention. Help data 209 can include, but is not limited to, user ID 301, date 601, sequence number 602, content 603, amount 604 and approval flag 605, but also includes other data items. It can be configured as follows.

The date 601 indicates the date of assistance, and the sequence number 602 indicates the sequence number assigned when a plurality of assistance is provided on the same date. The content 603 indicates the help content set in advance, and the amount 604 indicates the amount set in response to the help (0 yen can also be set). The approval flag 605 is a flag indicating whether or not the parent has approved the payment of the help fee applied by the child. It is also possible to set a table as shown in Table 1 in advance for the content 603. The "help content" registered in advance on the table can be set arbitrarily, for example, cleaning the bath, cooking, messing around, taking care of pets, taking out trash, taking care of brothers, arranging shoes at the entrance.・ Shoe shine, post check, etc. may be included. In the table of Table 1, by setting an arbitrary amount (0 yen is acceptable) for each help content, it is possible to support the fun of helping and to educate how to make money. ..

The setting data 210 is a database capable of storing various setting data according to the present invention. In one embodiment of the present invention, the setting data 210 can have data of a wallpaper or a user icon (character) displayed on the screen illustrated in FIGS. 7 to 10. Further, in another embodiment of the present invention, for example, the setting data 210 can hold schedule data, can set a date on which the child can receive pocket money, or can be used for future expenses. You can set a schedule (for example, you plan to spend your friend's birthday gift on XX days).

In the following, the main functions provided by the pocket money application according to the present invention, that is, the pocket money book function, the savings function, the help function, and the calendar function will be described.

(Pocket book function)
The pocketbook function is a function for children to learn to spend money systematically by managing the balance of pocket money, and it is possible to input the balance of pocket money and refer to the input contents in a list. It is a function that can be done.

7 (a) and 7 (b) are screen examples of the pocket money book function of the pocket money application according to the present invention. FIG. 7A is a recording screen 700 used when a child receives or spends money, and FIG. 7B is data automatically generated by the data input through the recording screen 700 and the system 100. The history screen 710 for displaying data. The recording screen 700 can include a deposit / withdrawal category 701, a date 702, an amount 703, an event 704, and a balance 705. FIG. 7A may display a number input function 706 that can be used in a smartphone, a tablet terminal, or the like. The deposit / withdrawal category 701 indicates whether the input is a deposit (that is, the child receives money from another person) or a withdrawal (that is, the child pays money to another person). Date 702 indicates the date of deposit / withdrawal. The date to be operated is initially displayed on the date 702, but the date can be changed by the dial associated with the date 702. The amount 703 indicates the actual deposit / withdrawal amount. Item 704 is a data item indicating the contents of deposits and withdrawals. The balance 705 indicates the total amount of pocket money held by the player.

FIG. 7A shows an example of recording that "payment" is selected and a pocket money of 500 yen is received on September 1, 2016. The balance 705 displays the contents of the balance 306 as the initial display, but it may be calculated immediately when the amount 703 is input, or the confirmation button displayed in FIG. 7A is pressed. It may be calculated at the timing. When the confirm button is pressed, the input content is recorded in the balance data 207 illustrated in FIG. 4, and the calculated balance 705 is recorded in the balance 306 of the user master 206 illustrated in FIG.

The history screen 710 can include a detail field 711, a summary display field 712, and a switching button 713. In the detail column 711, among the data of the income and expenditure data 207, the data of the target year and month of the logged-in user is read out by the system 100 and displayed. The summary display column 712 displays a positive amount (that is, a deposit amount) of the data displayed in the detail column 711 on the income meter, and displays a negative amount (that is, a withdrawal amount) on the expenditure meter. As for the balance, the value of the balance 306 of the user master 206 is read by the system 100 and displayed. The switching button 713 is a button used when displaying the data of the previous month or the next month. When the previous month or the next month is selected by the switch button 713, the system 100 reads the balance data 207 of the selected year and month and displays it in the detail column 711, and reads the balance 306 and displays it in the balance of the summary display column 712. To do. The income and expenditure totals in the summary display column 712 are calculated and displayed in response to the display of the detail column 711.

The "evaluation" in the detail column 711 can display the evaluation contents of the parent and child looking back on the usage status of money. The history screen 710 may be configured so that the evaluation flag 405 can be registered when logged in with the parent ID. As illustrated in FIG. 7B, the evaluation can be registered with a mark.

In the above embodiment, the system 100 is configured to automatically calculate the balance 705, but the balance 705 may be configured to be input by the child himself. In such a case, if the numerical value of the balance calculated by the system 100 and the numerical value entered by the child himself match, the data is registered, and if they do not match, the child is recalculated and a message prompting the input is displayed. System 100 may be configured.

(Saving function)
The savings function is a function for learning the joy of depositing and managing money, and it is a function that allows parents to look like a bank and deposit and withdraw money like a bank. In the present specification, "savings" and "deposit" are used as terms having the same meaning. In the embodiment of the present invention, in the case of savings, the child may not input to the pocket money application, but only the parent may input, or in the case of savings, both the child and the parent may input the pocket money application. It can also be an embodiment to be input to. In one embodiment of the present invention, after consultation between the parent and child, an interest rate setting function may be added so that a certain amount of interest is added to the money deposited by the child. Further, in a further embodiment of the present invention, not only Japanese yen but also a predetermined foreign currency (for example, US dollar) may be exchanged and then deposited with the parent (the exchange rate may be a predetermined cycle (for example, for example). Information can be downloaded from an external site once a day)).

8 (a) and 8 (b) are screen examples of the savings function of the pocket money application according to the present invention. FIG. 8A is an application screen 800 used when a child deposits money with a parent or has the parent return the money deposited, and FIG. 8B is an approval used only by the parent. Screen 810. The application screen 800 can include a savings / withdrawal category 801 and a date 802 and an amount 803. FIG. 8A may display a number input function 804 that can be used in a smartphone, a tablet terminal, or the like. The savings / withdrawal category 801 indicates whether the input content is money to be deposited with the parent (savings) or money to be returned by the parent (withdrawal). Date 802 indicates the date on which the application for savings / withdrawal was made. The date to be operated is initially displayed on the date 802, but the date can be changed with the dial associated with the date 802. Amount 803 indicates a savings amount or a withdrawal amount. In one embodiment of the present invention, when the savings / withdrawal category 801 indicates "withdrawal", a field for inputting the reason for application (what the child wants to withdraw the savings) is displayed. May be good.

FIG. 8A shows an example in which "savings" is selected and it is recorded that 1000 yen was deposited with the parent on September 30, 2016. When the confirm button shown in FIG. 8A is pressed, the input content is recorded in the savings data 208 illustrated in FIG. 5, but the parent confirmation flag 505 still indicates “unconfirmed”. The event 503 is recorded according to the contents of the savings / withdrawal category 801. In another embodiment of the present invention, it is possible to select "withdrawal" in the savings / withdrawal category 801 on the application screen 800. Even in such a case, when the date 802 and the amount 803 are input and the confirmation button is pressed, the data is registered in the savings data 208.

In the above, it has been explained that the child inputs on the application screen 800 in the case of saving money. As described above, depending on the embodiment of the present invention, it is possible that the child does not input in the case of saving money, and only the parent inputs. In such a case, the savings data 208 is generated by the parent using the second terminal 120 to select the child on a screen similar to the application screen 800 and then registering the date and amount information. The generated savings data 208 indicates that the parent confirmation flag 505 is "confirmed". Further, the balance data (that is, the withdrawal data indicating the transfer of funds from the child to the parent) corresponding to the generated savings data 208 is automatically generated and registered in the balance data 207. Alternatively, when only the parent inputs, by selecting which child's data to input and then inputting on a screen similar to the recording screen 700, the balance data corresponding to the input content of the selected child can be obtained. It is registered in the balance data 207. In such a case, the savings data 208 corresponding to the registered balance data is generated and recorded.

In a further embodiment of the present invention, when the child selects "withdrawal" in the savings / withdrawal category 801 and the parent approves on the approval screen 810, the balance data does not have to be automatically generated (the savings data does not have to be). Approval result is automatically reflected). When money is actually exchanged from the parent to the child, the information of the money received by the child on the recording screen 700 is registered. When the confirmation button displayed in FIG. 7A is pressed by designating that the money is withdrawn in the item 704, the balance data is generated.

The approval screen 810 can include an event 811, a date 812, an amount 813, an approval button 814 and a switch button 815. When the approval screen 810 is displayed on the second terminal 120 at the request of the parent user, the system 100 reads out the data in which the parent confirmation flag 505 indicates "unconfirmed" from the data of the savings data 208 and is displayed on the approval screen 810. Can be displayed with. When there are a plurality of unconfirmed data, the approval screen 810 can switch the display data by using the switching button 815. The switch button 815 may be configured to become unusable when there is no unconfirmed data.

In the example of FIG. 8B, it is shown that the child handed 1000 yen to the parent and then sent an application indicating that 1000 yen will be deposited to the parent on September 30, 2016. When the parent presses the approval button 814, the parent confirmation flag 505 of the savings data 208 is updated to "confirmed", and the balance data 207 is used as withdrawal data (that is, data on the transfer of funds from the child to the parent). Recorded. A child user ID is added to the recorded data. In another embodiment of the present invention, a "withdrawal" in which money is passed from the parent to the child is registered in FIG. 8 (a), but in that case, in FIG. 8 (b), the event 811 is a "withdrawal". Data will be displayed. In such a case, when the approval button 814 is pressed, the payment data (that is, the data of the transfer of funds from the parent to the child) is recorded in the income and expenditure data 207 (user ID 301 is the ID of the child). That is, in the savings function, the data is not confirmed only by the child inputting the data, the savings data 208 is confirmed only when the parent presses the approval button 814, and the corresponding data is automatically generated by the system 100. Will be added to the balance data 207.

(Help function)
The help function is a function for children to learn the fun of helping and how to make money, and it is a function that allows you to get extra pocket money by registering the help contents.

9 (a) and 9 (b) are screen examples of the assist function of the pocket money application according to the present invention. FIG. 9A is an application screen 900 for reporting to the parent when the child helps the child, and FIG. 9B is a payment screen for the parent to confirm the help content of the child and make a payment. It is 910. The application screen 900 can include a date 901, an event 902 and an amount 903. FIG. 9A may display a number input function 904 that can be used in a smartphone, a tablet terminal, or the like. Date 901 indicates the date of assistance. The date to be operated is initially displayed on the date 901, but the date can be changed by the dial associated with the date 901. Further, when a calendar is displayed on the application screen 900 and an arbitrary date is selected, the date may be initially displayed. The function of inputting the date from the calendar can also be used on other screens (for example, recording screen 700, application screen 800, etc.). The item 902 is a column for designating the contents of the help provided, for example, from the options set in the predetermined table as shown in Table 1. The amount of money 903 displays the amount of money corresponding to the contents of the help specified in the item 902, for example, based on the information set in Table 1. In the pocket money application according to the present invention, it is possible to set the amount of the fare for each help, but it is also possible to set the fare for each help to 0 yen.

FIG. 9A shows an example of applying for “dishwashing” on September 1, 2016. When the confirm button shown in FIG. 9A is pressed, the input content is recorded in the help data 209 illustrated in FIG. 6, but the approval flag 605 remains indicating "unapproved".

The payment screen 910 can include a detail field 911 (including total display) and a payment button 912. When the payment screen 910 is displayed on the second terminal 120 at the request of the parent user, the system 100 reads out the data in which the approval flag 605 indicates "unapproved" from the data of the help data 209 and displays the data in the detail column 911. Can be displayed. The total amount of the displayed data is calculated and displayed at that time.

In the example of FIG. 9B, the contents of the help provided by the child in August and the fee for the help are displayed. When the parent presses the payment button 912, the approval flag 605 of the corresponding data of the help data 209 is updated to "approved", and new data is added to the balance data 207. In the newly added data, the user ID 301 is the child's ID, the date 401 is the approval date, the event 403 is the "help income", and the amount 404 is the total amount displayed in the detail column 911. Is the data. That is, in the help function, the data is not confirmed only by the child inputting the data, the help data 209 is confirmed only when the parent presses the payment button 912, and the corresponding data is added to the balance data 207. Will be done. In an embodiment of the invention, "unapproved" data for a particular month is displayed, so you may approve those data in bulk, or select any data (eg, checkboxes). Depending on), it may be configured to approve only the selected data.

In another embodiment of the present invention, even if the parent presses the payment button 912 to confirm the help data 209, the corresponding balance data 207 may not be added. In such a case, the corresponding income and expenditure data 207 will be generated when the child who actually received the fee inputs it by himself / herself on the recording screen 700.

(Calendar function)
FIG. 10 is a diagram showing an example of a calendar screen 1000 used in the pocket money application according to the present invention. When the calendar screen 1000 is displayed, the system 100 is configured to access the balance data 207, read the data of the month, and display marks such as "on" and "out" in the corresponding date column of the calendar. May be done. Further, by tapping an arbitrary date, the recording screen 700 may be displayed in order to input the balance data of the day. Further, or instead, the system 100 may be configured to display the help provided by the child on the calendar, as illustrated by the "Δ" mark on the calendar screen 1000. In addition, the mark to be displayed may be different depending on the content of the help. In addition, the amount of the rent obtained by the help may be displayed according to the calendar.

In addition to the above-mentioned functions, the pocket money application according to the present invention is provided with a function for promoting the use by parents and children.

(Login bonus function)
In order to promote the use of the pocket money application according to the present invention, the system 100 can provide a login bonus function. The system 100 prepares a predetermined type of illustration, and the child can select any one of them. The illustration can be divided into several pieces, like a jigsaw puzzle. Each time your child logs in to the pocket money app, you can get one piece of the selected illustration. After logging in a predetermined number of times, all the pieces of the selected illustration can be acquired. Therefore, after acquiring all the pieces, the system 100 responds to the instruction from the first terminal 110 operated by the child. Therefore, the message input by the child can be transmitted to the second terminal 120 operated by the parent together with the illustration.

Although the principles of the present invention have been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the gist of the present invention. You will understand. That is, the present invention can adopt, for example, an embodiment as a system, an apparatus, a method, a program, a storage medium, or the like.

100 System 110 First terminal 120 Second terminal 130 Network 201 Control unit 202 Main storage unit 203 Auxiliary storage unit 204 Interface (IF) unit 205 Output unit 206 User master 207 Balance data 208 Saving data 209 Help data 210 Setting data 700 Record screen 710 History screen 800 Application screen 810 Approval screen 900 Application screen 910 Payment screen 1000 Calendar screen 1001 Back button

Claims (5)

It is a balance management system for conducting financial literacy education.
A means for storing the balance data received from the first terminal, the balance data is associated with the first user, and the means.
A means for generating unconfirmed savings data in response to receiving data from the first terminal, and
A means of transmitting the unconfirmed savings data to the second terminal in response to a request from the second terminal associated with the second user.
Approval when the means for receiving the first signal indicating that the unconfirmed savings data has been approved by the second user from the second terminal and the savings data indicates the first classification information. The saved data is the transfer of money from the first user to the second user, and when the savings data shows the second division information, the approved savings data is the second. Means and means of indicating the transfer of money from the user to the first user.
When the means for generating the balance data corresponding to the savings data in response to receiving the first signal and the savings data indicates the first division information, the generated balance data The amount information of the balance data shows a negative value, and when the savings data shows the second division information, the amount information of the generated balance data shows a positive value, a balance management system including means. The balance management system according to claim 1, wherein the balance data includes evaluation information by the first user and the second user. There is a way to be implemented by a balance management system for financial literacy education,
The balance management system is a means for storing balance data received from a first terminal, the balance data includes means associated with a first user, and the method.
In response to receiving data from the first terminal, generating unconfirmed savings data
Sending the unconfirmed savings data to the second terminal in response to a request from the second terminal associated with the second user.
Approval when the unconfirmed savings data receives a first signal from the second terminal indicating that it has been approved by the second user, and the savings data indicates first classification information. The saved data is the transfer of money from the first user to the second user, and when the savings data shows the second division information, the approved savings data is the second. Indicates the transfer of money from the user to the first user .
In response to receiving the first signal, the balance data corresponding to the savings data is generated, and when the savings data indicates the first division information, the generated balance data is generated. The amount information of the balance data shows a negative value, and when the savings data shows the second division information, the amount information of the generated balance data shows a positive value. The method according to claim 3, wherein the income and expenditure data includes evaluation information by the first user and the second user. A program for causing a computer to execute the method according to claim 3 or 4.

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