JP7153818B2 - Program, information processing device and information processing method - Google Patents

Description

The present invention relates to a program , an information processing apparatus, and an information processing method .

With the recent development of the Internet, it has become possible to conduct various commercial transactions on the Internet. Banks and other financial institutions are also increasingly using the Internet, and users can make transfers, transfer funds, and check account balances by logging into servers managed by financial institutions from their personal computers or smartphones at home. It is possible. For example, Patent Literature 1 discloses a system that provides such Internet banking service.

Japanese Patent Application Laid-Open No. 2002-334210

Patent Literature 1 discloses a technique for reflecting the result of a transaction made by a bank server to an account in household account book software. Certainly, this may save the user the trouble of keeping a household account book. However, modern users want a more consistent and easy-to-use service, and there is still room for improvement.

The present invention was made in view of these problems, and its purpose is a technology that can seamlessly support the user's economic activities, from short-term balance management and information provision to long-term asset formation and consumption. in the offer of

A program according to the present invention for achieving the above object,
to the computer,
A function to display content including information related to goods or services on the display;
a function of accepting a user's specification of content displayed on the display;
a function of causing the display to display a first screen displaying an instruction reception area for creating the contents of the purpose-specific deposit related to the content specified by the user;
a function of causing the display to display a second screen displaying an input area for inputting information on the purpose-specific deposit when the receiving area receives an instruction on the first screen;
It is characterized by realizing

Another aspect of the present invention is also a program. This program has a function of acquiring the result of income and expenditure calculation based on the deposit/withdrawal data of the user's first account, and the amount of funds based on the acquired result is transferred to the user's second account, which is different from the first account and the first account. and a function of inquiring the user on the display whether or not to transfer money to/from the account.

Another aspect of the present invention is also a program. This program stores specific information of a group containing at least one content specified by the user and a unit of sorting related to the specific information in a computer that can communicate with a server that sorts the balance of the user's account via a network. A first display function for displaying an instruction receiving area for creation in association with the display, and a purpose input for inputting a deposit purpose for specifying a unit to be created when the receiving area receives an instruction. and a second display function for displaying the region on the display.

Another aspect of the invention is a server. This server has an acquisition unit that acquires the balance of the second account from another server that manages the user's first account and the user's second account that has a lower degree of withdrawal flexibility than the first account; a sorting unit that sorts the balances acquired by the acquiring unit.

It should be noted that any combination of the above constituent elements, or mutual replacement of the constituent elements and expressions of the present invention with devices, methods, systems, computer programs, recording media storing computer programs, etc., are also included in the present invention. It is effective as an aspect of

According to the present invention, users' economic activities can be seamlessly supported from short-term balance management and information provision to long-term asset formation and consumption.

It is an explanatory diagram of two areas in customer consumption behavior. 1 is a schematic diagram showing an example of the configuration of an account management system according to an embodiment; FIG. 3 is a block diagram showing an example of the functions and configuration of the mobile terminal of FIG. 2; FIG. 3 is a block diagram showing an example of the functions and configuration of the support server of FIG. 2; FIG. 5 is a data structure diagram showing an example of a user information holding unit in FIG. 4; FIG. 5 is a data structure diagram showing an example of a clipboard holding unit in FIG. 4; FIG. FIG. 5 is a data structure diagram showing an example of a purpose-specific deposit information holding unit shown in FIG. 4; 5 is a data structure diagram showing an example of a coupon information holding unit in FIG. 4; FIG. 3 is a flow chart showing an example of a series of processes in the mobile terminal of FIG. 2; FIGS. 10(a) to 10(e) are representative screen diagrams of screens displayed on the display at various steps of a series of processes. 11A and 11B are representative screen diagrams showing screens displayed on the display in the balance management process. 12A and 12B are representative screen diagrams of screens displayed on the display in the content providing process. FIGS. 13A to 13D are representative screen diagrams of screens displayed on the display during the content/deposit interlocking process. It is a data structure diagram which shows an example of a purpose correspondence holding|maintenance part. 15A to 15E are representative screen diagrams of screens displayed on the display in the purpose-based deposit management process. FIG. 16(a) is a representative screen diagram of the balance result screen according to the modification, FIG. 16(b) shows the allocation setting area when the amount to be allocated to each purpose-specific deposit is shown numerically, and FIG. c) shows another display mode of the amount allocated to purpose-specific deposits. 17A to 17D are representative screen diagrams of screens displayed on the display during the goal achievement process. It is a representative screen diagram of an initial registration screen. FIGS. 19A and 19B are representative screen diagrams of screens displayed on the display during the account registration process. 20A to 20C are representative screen diagrams of screens displayed on the display in the authentication process.

Hereinafter, the same or equivalent constituent elements, members, and processes shown in each drawing are denoted by the same reference numerals, and duplication of description will be omitted as appropriate.

The account management system according to the embodiment provides a service platform for account management using high-performance mobile terminals such as smartphones. FIG. 1 is an explanatory diagram of two areas in customer consumption behavior. The account management system captures low-value, high-frequency consumption such as debits (the area surrounded by frame 2 in Figure 1), i.e., daily consumption, and medium-to-high-value, low-frequency consumption such as savings and loans (the area surrounded by frame 4 in Figure 1). In other words, we will provide a seamless service experience that supports lifestyles and life events by connecting it with the stimulation of extraordinary consumption through the customer contact point of smartphones. For capturing low-value, high-frequency consumption, the account management system provides users with visualization of daily consumption through monthly balance management and surplus funds transfer function. As for stimulating medium-to-high-value/low-frequency consumption, the account management system stimulates non-daily consumption (large-scale consumption) by providing related information content, and supports the achievement of such consumption through purpose-specific deposits. In addition, the account management system recommends products and services related to the purpose of purpose-specific deposits.

Particularly in this embodiment, the following functions are provided by the account management system.
(1) Income and expenditure management based on account information (2) Guidance to save surplus funds (3) Guidance to setting up deposits by purpose from the provision of information content (4) Management of deposits by purpose (5) Deposits by purpose Therefore, it is possible to contribute not only to short-term income and expenditure management but also to long-term asset formation of users by inducing them to save. In addition, by managing savings by purpose, it is possible to more effectively support large-scale consumption beyond savings.

FIG. 2 is a schematic diagram showing an example of the configuration of the account management system 10 according to the embodiment. The account management system 10 includes a mobile terminal 12 such as a smart phone or a tablet terminal, a support server 16, and an accounting server 18. The mobile terminal 12 , the support server 16 and the accounting server 18 are all connected to a network 14 such as the Internet and communicate via the network 14 . There is no limit to the number of elements in account management system 10 .

The accounting server 18 is a server included in an accounting system of a financial institution such as a bank. Accounting systems manage account balances, calculate interest, process deposits and withdrawals, transfers, remittances, exchange transactions, fund settlements with other financial institutions, and the like. The accounting system may be configured using known technology. The financial institution that manages the accounting system (hereinafter simply referred to as the financial institution) and the support entity that manages the support server 16 may be the same or different. In this embodiment, a case where they are different will be described.

The user of the mobile terminal 12 downloads an account management application program (hereinafter referred to as a management application) 20 from the download site to the mobile terminal 12 via the network 14 (step S30) and installs it. Alternatively, the management application 20 may be pre-installed on the mobile terminal 12 . The management application 20 is provided by a support entity. When the management application 20 is executed by the mobile terminal 12, the mobile terminal 12 communicates with the support server 16 via the network 14 and implements various functions. Hereinafter, functions realized by the mobile terminal 12 (a processing unit such as a CPU (Central Processing Unit) of the mobile terminal 12 ) executing the management application 20 will be described as functions of the mobile terminal 12 . These functions are actually functions that the management application 20 causes the mobile terminal 12 to implement.

The account system server 18 holds information on the savings account 22 and the information on the savings account 24 of the user of the portable terminal 12 . The ordinary deposit account 22 and the savings account 24 are respectively an ordinary deposit account and a savings account opened by the user in a financial institution and managed by the financial institution. It can be said that a savings account is an account for income and expenditure management, and a savings account is an account for deposits. The support server 16 acquires the deposit/withdrawal data of the savings account 22 from the accounting system server 18 via the network 14 (step S32), performs balance calculation, and generates monthly balance data 26. FIG. The portable terminal 12 acquires the balance data 26 from the support server 16 via the network 14 (S34). If the balance calculation result 28 shown in the balance data 26, that is, the difference between income and expenditure is positive, the mobile terminal 12 prompts the user to save an amount corresponding to the difference. Upon receiving a savings instruction from the user, the mobile terminal 12 notifies the support server 16 of the designated savings amount. The support server 16 requests the account system server 18 to transfer the notified savings amount from the savings account 22 to the savings account 24 (step S36). Accounting system server 18 executes a transfer (or transfer) from savings account 22 to savings account 24 .

The assistance server 16 virtually sorts the balance of the user's savings account 24 . As the assistance server 16 sorts balances by deposit purpose, the unit of sorting is specified by the deposit purpose. The support server 16 has purpose-specific deposit data 29 that associates and holds the deposit purpose and the amount allocated to the deposit purpose for each user. The savings account 24 of the accounting server 18 and the purpose-specific deposit data 29 of the support server 16 are linked, and the total amount of the purpose-specific deposit data 29 including the portion for which the purpose is not set and the balance of the savings account 24 match. do. The user can set purpose-specific deposit data 29 via the mobile terminal 12 and the network 14 . For example, a user viewing information content provided by the assistance server 16 may set a new deposit purpose. In this case, a sorting unit corresponding to the newly set deposit purpose is added to the purpose-specific deposit data 29 . In the example of FIG. 2, it is assumed that the purpose-specific deposit data 29 originally includes a unit specified by the purpose of deposit "travel" and a unit specified by "marriage". When a user influenced by information contents related to housing such as renovation and sales of high-rise condominiums sets a new deposit purpose "housing", the support server 16 sorts the purpose-specific deposit data 29 specified by the new deposit purpose "housing". Add 27 units of . Since the unit of sorting is specified by the purpose of deposit, the unit of sorting is referred to herein as purpose-specific deposit. In the present embodiment, no account number is assigned to purpose-specific deposits.

In this way, the account management system 10 supports accumulation of savings little by little by linking from balance management to transfer of surplus funds, and also leads to setting of purpose-specific deposits from the provision of information contents. Incentive savings to medium- and large-scale consumption. Therefore, by using the account management system 10, the user can receive seamless support in almost all phases from savings to consumption.

FIG. 3 is a block diagram showing an example of functions and configuration of the mobile terminal 12 of FIG. The mobile terminal 12 may be any terminal capable of installing and executing the management application 20, and may be, for example, a known mobile terminal. Mobile terminal 12 includes memory 121 , processor 122 , communication interface 123 , display 124 , and input interface 125 . Each of these elements are connected to bus 126 and communicate with each other via bus 126 .

The memory 121 is a storage area for storing data and programs. Data and programs may be permanently stored in memory 121 or may be temporarily stored. In particular, memory 121 stores management application 20 . The processor 122 realizes various functions in the mobile terminal 12 by executing programs stored in the memory 121 , particularly the management application 20 . The communication interface 123 is an interface for transmitting and receiving data to and from the outside of the mobile terminal 12 . For example, the communication interface 123 includes an interface for accessing a mobile phone wireless communication network, an interface for accessing a wireless LAN (Local Area Network), and the like. The communication interface 123 may also include a wired network interface such as USB (Universal Serial Bus). The display 124 is a device for displaying various information, such as a liquid crystal display or an organic EL (Electroluminescence) display. The input interface 125 is a device for receiving input from the user. The input interface 125 includes, for example, a touch panel provided on the display 124 and various input keys.

FIG. 4 is a block diagram showing an example of functions and configuration of the support server 16 of FIG. The support server 16 includes a user authentication unit 102, a balance processing unit 104, a content processing unit 106, a purpose-specific deposit creation reception unit 108, a purpose-specific deposit information transmission unit 110, a coupon information transmission unit 112, and a coupon usage unit. A registration unit 114 , a user information holding unit 116 , a clipboard holding unit 118 , a purpose-specific deposit information holding unit 130 , and a coupon information holding unit 132 are included.

The income/expenditure processing unit 104 performs income/expenditure processing based on the deposit/withdrawal data of the ordinary deposit account 22 of the user. The income and expenditure processing unit 104 particularly relates to a function that leads to transfer of surplus funds to the savings account 24 from income and expenditure management. The balance processing unit 104 has an account information acquisition unit 134 , a balance calculation unit 136 , a balance information transmission unit 138 , and an accounting linkage unit 140 .

The content processing unit 106 performs processing related to information content. The content processing unit 106 particularly relates to a function that leads from the provision of information content to the setting of purpose-specific deposits. The content processing unit 106 has a content acquisition unit 142 , a content transmission unit 144 , a grouping unit 146 and a clipboard transmission unit 148 .

FIG. 5 is a data structure diagram showing an example of the user information holding unit 116 of FIG. The user information holding unit 116 stores a user ID for specifying the user, a password, the number of the savings account opened by the user at the financial institution, the number of the savings account opened by the user at the financial institution, and the mobile terminal 12. The closing date, which is the reference timing for calculating the income and expenditure set in advance by the user via the user interface, is stored in association with the closing date. The user ID may be the user's email address. The closing date may be selected from the end of the month, the beginning of the month, the 25th of every month, or the like, or may be freely set by the user.

FIG. 6 is a data structure diagram showing an example of the clipboard holding unit 118 of FIG. The clipboard holding unit 118 associates and holds a user ID, a group ID specifying a group of information content, and information content belonging to the group. Information content includes a collection of information related to products and services such as travel, cars, marriage, child rearing, housing, experiences, dating, and living. The information content may be digital data such as articles, tweets, photographs, and the like. Information contents are given tags indicating themes, genres, attributes, and characteristics. Groups are set based on this tag. The clipboard holding unit 118 may hold the information content itself, or may hold a link to the information content.

FIG. 7 is a data structure diagram showing an example of the purpose-specific deposit information holding unit 130 of FIG. The data held in the purpose-specific deposit information holding unit 130 corresponds to the purpose-specific deposit data 29 . The purpose-specific deposit information holding unit 130 stores the user ID, the balance of the savings account of the user identified by the user ID, the purpose of deposit including unset, the balance by purpose, which is the balance of the deposit by purpose, and the target amount. , monthly savings amount, and savings execution date are stored in association with each other. Each entry in the purpose-specific deposit information holding unit 130 corresponds to a purpose-specific deposit. For each user ID, the sum of purpose-specific deposit balances matches the savings account balance.

FIG. 8 is a data structure diagram showing an example of the coupon information holding unit 132 of FIG. The coupon information holding unit 132 holds the purpose of deposit, the reference amount, the content of the coupon, and the use declaration user ID identifying the user who has declared the use of the coupon in association with each other. The coupon information holding unit 132 is configured to allow setting of a plurality of reference amounts for each deposit purpose. Coupons are an aspect of advertisements provided by entities, such as companies, whose business is related to the corresponding deposit purpose.

The operation of the account management system 10 configured as above will be described.
FIG. 9 is a flow chart showing an example of a series of processes in the mobile terminal 12 of FIG. FIGS. 10(a)-(e) are representative screen views of screens displayed on the display 124 at various steps of a series of processes. Here, it is assumed that the user has already registered an account with the management application 20 and has also registered a savings account. In other words, the case where the management application 20 is started after initial usage registration and account registration will be described. Processing related to initial registration and account registration will be described later.

When the user taps the icon of the management application 20 displayed on the display 124 of the mobile terminal 12, the mobile terminal 12 activates the management application 20 (S202). The mobile terminal 12 causes the display 124 to display an application activation screen 640 (FIG. 10(a)). Application launch screen 640 has initial registration button 642 and normal launch button 644 . Since the user has completed initial registration with the management application 20 , the normal start button 644 is tapped. Upon detecting a tap on the normal activation button 644, the mobile terminal 12 causes the display 124 to display a login screen 240 (FIG. 10(b)) for authenticating the user (S204).

The login screen 240 has an authentication information input area 250 for accepting input of authentication information including a user ID and password, and a login button 252 . The user enters his e-mail address and password in authentication information input area 250 and taps login button 252 . When the login button 252 is tapped, the mobile terminal 12 transmits the authentication information entered in the authentication information input area 250 to the support server 16 via the network 14 .

In this way, in the example shown in FIG. 9, the user ID/password are not stored in the portable terminal 12, and the user is required to perform authentication each time he/she logs in. The timing for requesting the input of the authentication information is set to the timing for restarting the module inside the management application 20 (for example, at intervals of about 24 hours), and the input of the user ID/password is requested again at the set timing. (that is, transition to the login screen 240 in response to tapping the normal activation button 644). Also, when the user explicitly stops/starts the management application 20 (for example, after turning off the power of the mobile terminal 12, the management application 20 is started), the input of the user ID/password is requested again. be done. However, the input of the user ID/password may not be required between the restart of the module inside the management application 20 and the next restart.

The user authentication unit 102 of the support server 16 performs user authentication based on the received authentication information. The user authentication unit 102 determines that the authentication succeeds if the set of the user ID and password included in the received authentication information is registered in the user information holding unit 116, and that the authentication fails otherwise. User authentication unit 102 transmits the result of user authentication to portable terminal 12 via network 14 .

If the user authentication unit 102 determines that the authentication has been successful, the account information acquisition unit 134 acquires the payment data of the authenticated user's savings account for a predetermined period from the account system through the network 14 . Acquired from the server 18 . The predetermined period may be one month, three months, half a year, or one year. The account information acquiring unit 134 refers to the user information holding unit 116 to identify the savings account number corresponding to the user ID of the authenticated user. Account information acquisition unit 134 generates a deposit/withdrawal data request signal containing the specified savings account number and information designating a predetermined period, and transmits the signal to accounting server 18 via network 14 . Accounting server 18 cuts out the deposit/withdrawal data of the savings account specified by the number included in the received deposit/withdrawal data request signal for a specified predetermined period, and transmits the data to support server 16 via network 14 . The account information acquisition unit 134 receives deposit/withdrawal data for a predetermined period.

The income and expenditure calculation unit 136 performs monthly income and expenditure calculation on the deposit/withdrawal data for a predetermined period acquired by the account information acquisition unit 134 . The balance calculator 136 extracts the closing date corresponding to the user ID of the authenticated user from the user information holding unit 116 . Hereinafter, for convenience of explanation, the period from today to the day following the most recent closing date will be referred to as the current month, and the period from the most recent closing date to the next closing date will be referred to as the last month. The income/expenditure calculation unit 136 extracts the deposit/withdrawal data generated in the current month and the deposit/withdrawal data generated in the last month from the deposit/withdrawal data for a predetermined period as the current month deposit/withdrawal data and the last month deposit/withdrawal data, respectively. For example, assume that the current date is September 16th, the closing date is the 25th of each month, and the account information acquisition unit 134 has acquired deposit/withdrawal data for three months (July 16th to September 16th). The balance calculation unit 136 acquires the deposit/withdrawal data generated during the calculation period (current month) from August 26th to September 16th as deposit/withdrawal data for the current month. The balance calculation unit 136 acquires the deposit/withdrawal data generated in the calculation period from July 26th to August 25th as last month's deposit/withdrawal data.

The income/expenditure calculation unit 136 divides the current month's deposit/withdrawal data into income and expenditure, and further classifies the current month's deposit/withdrawal data for each income/expenditure item among the income and expenditure to create the current month's deposit/withdrawal detail data. The income and expenditure calculation unit 136 adds up the income for the current month to obtain the total income for the month, and adds up the expenses for the current month to obtain the total expenditure for the month. The income and expenditure calculation unit 136 acquires the difference between the total income and the total expenditure for this month as the result of this month's income and expenditure. This month's balance data 26 is composed of this month's deposit/withdrawal detail data, this month's total income, this month's total expenditure, and this month's balance result. The income and expenditure calculation unit 136 performs similar calculations on the last month's deposit/withdrawal data to generate last month's income and expenditure data.

The income and expenditure calculation unit 136 may perform the same calculation for the deposit/withdrawal data before the month before last. The income and expenditure calculation unit 136 may perform calculations in other calculation period units such as weekly units or quarterly units instead of monthly units. The unit and the length of the predetermined period in the account information acquisition unit 134 may correspond.

The balance information transmission unit 138 transmits the balance data for the last month and this month generated by the balance calculation unit 136 to the mobile terminal 12 via the network 14 . The mobile terminal 12 receives those balance data following the result of user authentication.

If the received result of user authentication is authentication failure (N of S206), the mobile terminal 12 returns the process to step S204. If the received result of user authentication is authentication success (Y of S206), the mobile terminal 12 displays the home screen 242 (FIG. 10(c)) on the display 124 (S208).

The home screen 242 includes a menu button 241, a balance result display area 254, a point display area 256, a profit information area 258, a my coupon area 260, a content guide area 262, a home button 264, and a clip button 266. , a savings button 268 , and a wallet button 270 . The balance result display area 254 displays the balance calculation result included in the current month's balance data received by the mobile terminal 12 . In particular, the balance result display area 254 displays the authenticated user's savings account number, the account balance, the current month's total income, the current month's total expenditure, and the current month's balance result. A point display area 256 displays the points currently given to the user. The points may be granted and managed by a support entity, or may be granted and managed by a financial institution. When the portable terminal 12 detects the tap on the profitable information area 258, the portable terminal 12 causes the display 124 to display a profitable information display screen (not shown) that displays a limited-time coupon or the like. The user's tap on the profitable information area 258 is one aspect of the user's instruction to display profitable information. When the mobile terminal 12 detects the tap on the home button 264 , the mobile terminal 12 causes the display 124 to display the home screen 242 . My coupon area 260, content guidance area 262, clip button 266, savings button 268, and wallet button 270 will be described later.

The mobile terminal 12 determines whether or not closing processing is necessary according to the display of the home screen 242 (S210). The mobile terminal 12 determines that the closing process is necessary when the management application 20 is activated for the first time after the closing date arrives, and otherwise determines that the closing process is unnecessary. That is, it is determined that the closing process is unnecessary until the next closing date after the second startup after the closing date arrives. This is managed by a status flag or the like held in the memory 121 of the mobile terminal 12 . If it is determined that the closing process is unnecessary (N of S210), the mobile terminal 12 ends the process.

If it is determined that closing processing is necessary (Y of S210), the portable terminal 12 causes the display 124 to display the balance result screen 244 (FIG. 10(d)) (S212). Note that the balance result screen 244 may be displayed on the display 124 by, for example, a push notification even when the management application 20 is not activated. The balance result screen 244 displays last month's balance based on last month's balance data received by the mobile terminal 12 . In this embodiment, a case will be described in which the total income of the last month exceeds the total expenditure of the last month, and therefore the balance result of the last month is positive.

The income and expenditure result screen 244 enables confirmation of the income and expenditure of the last month, and guides the transfer of the amount of funds based on the result to the savings account. By displaying the income and expenditure result screen 244, the portable terminal 12 indicates whether or not to transfer the amount of funds based on the last month's income and expenditure result included in the last month's income and expenditure data between the ordinary deposit account and the savings account. Ask the user above. The balance result screen 244 has a difference display area 272 , a setting slider 274 , a deposit button 276 , a no deposit button 278 , and a later button 277 . The difference display area 272 displays the last month's balance result included in the last month's balance data. The setting slider 274 accepts designation of the amount of funds to be transferred or transferred from the savings account to the savings account (hereinafter referred to as the transfer amount). By operating the setting slider 274, the user can visually specify the transfer amount within a range from 0 yen to the maximum amount. The maximum amount is set based on the last month's balance result, and may be the last month's balance result itself, or may be a rounded amount smaller than the last month's balance result. Accordingly, display of such a setting slider 274 corresponds to asking the user how much money to transfer within the range of the last month's balance results.

A deposit button 276 and a no deposit button 278 are buttons for inquiring of the user whether or not to execute the transfer. The later button 277 is a button for postponing the decision as to whether or not to make a deposit. When the button 277 is tapped later, the mobile terminal 12 displays the home screen 242 on the display 124 . The mobile terminal 12 prompts the user to make a decision by notifying whether or not the surplus funds should be transferred again after a certain period of time has elapsed. In this re-notification, a screen similar to the balance result screen 244 is displayed.

When the deposit button 276 is tapped, the mobile terminal 12 receives an instruction to execute the transfer from the user. When the no deposit button 278 is tapped, the mobile terminal 12 accepts an instruction not to execute. More specifically, when the mobile terminal 12 detects a tap on the no deposit button 278 (N of S214), the process ends. When the mobile terminal 12 detects that the deposit button 276 has been tapped (Y in S214), the mobile terminal 12 sends a transfer instruction signal including the transfer amount set by the setting slider 274 on the balance result screen 244 to the support server 16 via the network 14. Send.

The accounting system linkage unit 140 requests the accounting system server 18 to transfer the transfer amount included in the received transfer instruction signal from the user's ordinary deposit account to the savings account. The accounting linkage unit 140 transmits a response signal to the reception of the transfer instruction signal to the mobile terminal 12 via the network 14 . Accounting server 18 transfers the transfer amount of funds from the user's ordinary deposit account to the savings account in response to the request. The accounting system linkage unit 140 may generate a response signal after receiving a transfer completion notification from the accounting system server 18 . When the mobile terminal 12 receives the response signal, the deposit completion screen 248 (FIG. 10(e)) is displayed on the display 124 (S220). After that, the mobile terminal 12 terminates the process.

11A and 11B are representative screen diagrams showing screens displayed on the display 124 in the balance management process. A wallet button 270 on the home screen 242 functions as a lead to the balance management function. When the portable terminal 12 detects that the wallet button 270 has been tapped on the home screen 242, the balance management screen 292 (FIG. 11(a)) is displayed on the display 124. FIG. The balance management screen 292 has a calculation period display area 402 , a balance result display area 404 , a balance status display area 406 , and a balance item display area 408 .

A calculation period display area 402 displays a calculation period in which the balance can be displayed. In the calculation period display area 402, the calculation period to be displayed is highlighted by inversion display or the like (“06/01 to 06/30” in FIG. 11(a)). When the portable terminal 12 detects a tap on the non-emphasized calculation period (“05/01 to 05/31” in FIG. 11A) in the calculation period display area 402, the tapped calculation period is displayed. Switch to period.

The balance result display area 404 displays the number of days remaining until the next closing date and the current month balance result included in the current month balance data received by the mobile terminal 12 . The balance status display area 406 visually displays the current month's balance status. In the income/expenditure display area 406, the current month's total income and current month's total expenditure are displayed as numerical values and color-coded bar graphs. In the income and expenditure item display area 408, the income and expenditure item of the current month's deposit/withdrawal detail data and the total amount of deposits or withdrawals belonging to the income and expenditure item are displayed in association with each other.

When mobile terminal 12 detects a tap on one of the balance items displayed in balance item display area 408, mobile terminal 12 causes display 124 to display deposit/withdrawal details screen 410 (FIG. 11(b)) corresponding to the tapped balance item. . In the example of FIG. 11(b), the balance item "debit payment" is tapped, and a deposit/withdrawal details screen showing the details of the debit payment is displayed accordingly.

12A and 12B are representative screen diagrams of screens displayed on the display 124 in the content providing process. Prior to the content providing process, the content acquisition unit 142 of the support server 16 acquires information content from databases of partner companies, the Internet, and the like. A case where the information content is a digitized article will be described below.

A content guidance area 262 of the home screen 242 functions as a lead to the content providing function. When the mobile terminal 12 detects a tap on the content guidance area 262 on the home screen 242 , the mobile terminal 12 transmits a content request to the support server 16 via the network 14 . The content transmission unit 144 transmits the article acquired by the content acquisition unit 142 to the mobile terminal 12 via the network 14 in response to the received request. The content transmission unit 144 may customize articles to be distributed according to the requesting user.

The mobile terminal 12 causes the display 124 to display a content top screen 286 (FIG. 12(a)) displaying the received article. Headlines of a plurality of different articles received by the mobile terminal 12 are displayed on the content top screen 286 . In the example of FIG. 12A, the content top screen 286 displays a first heading 412, a second heading 414, and a third heading 416. In FIG.

When the mobile terminal 12 detects a tap on one of the headings displayed on the content top screen 286, the content detail screen 418 (FIG. 12(b)) displaying the details of the article corresponding to the tapped heading is displayed on the display 124. display. The content detail screen 418 has an article content 420 , a clip button 422 and a tour link 424 . When the mobile terminal 12 detects a tap on the tour link 424 , the mobile terminal 12 causes the display 124 to display the website of the company that provides the tour related to the content 420 of the article. When detecting a tap on the clip button 422 , the mobile terminal 12 generates a clip request signal including an article ID specifying an article displayed on the content detail screen 418 and transmits the clip request signal to the support server 16 via the network 14 .

The grouping unit 146 of the support server 16 identifies the tag of the article identified by the article ID included in the received clip request signal. The grouping unit 146 determines groups to which articles should belong based on the specified tags. The grouping unit 146 associates the user ID of the user who sent the clip request signal, the group ID of the determined group, and the article identified by the article ID included in the clip request signal, and the clipboard holding unit Register with 118.

FIGS. 13(a) to 13(d) are representative screen diagrams of screens displayed on the display 124 in the content/deposit interlocking process. A clip button 266 on the home screen 242 functions as a lead to the content/deposit linkage function. When the mobile terminal 12 detects a tap on the clip button 266 on the home screen 242 , the mobile terminal 12 requests clipboard information from the support server 16 via the network 14 . The clipboard transmission unit 148 of the support server 16 extracts the group ID and article corresponding to the user ID of the user authenticated by the user authentication unit 102 from the clipboard holding unit 118 in response to the request. The clipboard transmission unit 148 transmits the extracted group ID and article to the mobile terminal 12 via the network 14 .

The mobile terminal 12 causes the display 124 to display a clipboard top screen 288 (FIG. 13(a)) displaying the received article. The clipboard top screen 288 has a group information display area which is a display area set for each group. The group information display area corresponds to the group ID received by the mobile terminal 12, and the information displayed there is the article belonging to the group specified by the group ID. Particularly, in the example of FIG. 13( a ), the clipboard top screen 288 has a first group information display area 426 and a second group information display area 428 . The first group information display area 426 includes a group name display area 430 in which the name of the group, which is information specifying the group, is displayed, a budget display area 432, and an article image in which an image representing the articles belonging to the group is displayed. It has a display area 434 and a grant button 436 . The name of the group may be the group ID. The second group information display area 428 has the same configuration as the first group information display area 426 .

The budget display area 432 displays the budget for products and services related to the group. This budget may be extracted from a table (not shown) that stores group IDs and estimated costs in association with each other. This table may be provided in the support server 16 or may be provided in the mobile terminal 12 . The estimated costs in this table may be set by the support entity, or may be set by the support server 16 by performing statistical processing.

A grant button 436 is an area that accepts instructions for creating group-related purpose-specific deposits. When the mobile terminal 12 detects that the grant button 436 has been tapped, the display 124 displays a deposit creation inquiry screen 438 (FIG. 13(b)) for inquiring of the user whether or not to create a purpose-specific deposit. The make deposit query screen 438 has a save button 440 and a tour link 442 similar to tour link 424 . When the mobile terminal 12 detects that the save button 440 has been tapped, the display 124 displays a purpose-specific deposit creation screen 446 (FIG. 13(c)) for setting each parameter of the purpose-specific deposit. The portable terminal 12 accepts the parameters of the purpose-specific deposit on the purpose-specific deposit creation screen 446 . The purpose-specific deposit creation screen 446 has a deposit purpose input area 448 , a target amount input area 450 , a monthly savings amount input area 452 , a savings execution date input area 454 , and a create button 456 .

Deposit purpose input area 448 accepts input of a deposit purpose. The portable terminal 12 inputs the deposit purpose corresponding to the group corresponding to the tapped grant button 436 in the deposit purpose input area 448 in advance.

FIG. 14 is a data structure diagram showing an example of the purpose correspondence holding unit 294. As shown in FIG. The purpose correspondence holding unit 294 holds the correspondence between the deposit purpose and the group. The purpose correspondence holding unit 294 may be held in the memory 121 of the mobile terminal 12 or may be held in the support server 16 . The purpose correspondence relation holding unit 294 holds the deposit purpose and the group ID in association with each other. In the example of FIG. 14, the "train trip" group (group ID "traintravel"), the "cruise trip" group (group ID "cruise"), and the "overseas travel" group (group ID "oversea") are all for deposit purposes. Corresponds to "travel". The correspondence relationship may be set by the support entity, or may be automatically set by the support server 16 or the like.

Returning to FIG. 13(c), the mobile terminal 12 refers to the purpose correspondence holding unit 294 and identifies the deposit purpose corresponding to the group. The mobile terminal 12 inputs the specified deposit purpose in the deposit purpose input area 448 in advance. For example, when the fulfillment button 436 in the “train trip” group is tapped, the portable terminal 12 displays the purpose-specific deposit creation screen 446 on the display 124 with “travel” entered in the deposit purpose input area 448.例文帳に追加

The target amount input area 450 accepts the input of the target amount of purpose-specific deposits. The mobile terminal 12 inputs in advance the target amount corresponding to the budget displayed in the budget display area 432 corresponding to the tapped grant button 436 in the target amount input area 450 . For example, when the fulfillment button 436 in the “train trip” group is tapped, the portable terminal 12 enters the upper limit of the budget for “train trip” of 300,000 yen into the target amount input area 450, and then makes a deposit by purpose. Create screen 446 is displayed on display 124 .

When the portable terminal 12 detects a tap on the deposit purpose input area 448, the display 124 displays a purpose selection screen 444 (FIG. 13(d)) for accepting a change in the deposit purpose. The purpose selection screen 444 displays a list of deposit purposes that can be set. When one of the deposit purposes displayed on the purpose selection screen 444 is tapped, the portable terminal 12 displays the purpose-specific deposit creation screen 446 on the display 124 with the tapped deposit purpose entered in the deposit purpose input area 448 . display. As a result, the deposit purpose entered in the deposit purpose input area 448 can be changed. The target amount entered in the target amount input area 450 can be similarly changed. A monthly savings amount input area 452 and a savings execution date input area 454 receive inputs of a monthly savings amount and a savings execution date, respectively.

When the mobile terminal 12 detects that the create button 456 has been tapped, the deposit purpose input area 448, the target amount input area 450, the monthly savings amount input area 452, and the savings execution date input area 454 include the information entered in the deposit purpose input area 448, the target amount input area 450, and the savings execution date input area 454. A production signal is generated and transmitted to the assistance server 16 via the network 14 . The purpose-specific deposit making reception unit 108 of the support server 16 associates the user ID of the user authenticated by the user authentication unit 102 with each information included in the received purpose-specific deposit making signal, and stores the purpose-specific deposit information. Register with section 130 . The balance of purpose-specific deposits at the beginning of registration may be set to 0 yen.

15(a) to (e) are representative screen diagrams of screens displayed on the display 124 in the purpose-based deposit management process. Savings button 268 on home screen 242 functions as a lead to the purpose-specific deposit management function. When the mobile terminal 12 detects that the saving button 268 has been tapped on the home screen 242 , the mobile terminal 12 transmits a request for purpose-specific deposit information to the support server 16 via the network 14 . The purpose-specific deposit information transmitting unit 110 of the support server 16 extracts purpose-specific deposit information corresponding to the user ID of the user authenticated by the user authentication unit 102 from the purpose-specific deposit information holding unit 130 in response to the received request. do. The purpose-specific deposit information includes a savings account balance, a deposit purpose, a purpose-specific balance, a target amount, a monthly savings amount, and a savings execution date. The purpose-specific deposit information transmission unit 110 transmits the extracted purpose-specific deposit information to the mobile terminal 12 via the network 14 .

The portable terminal 12 causes the display 124 to display a deposit-by-purpose top screen 290 (FIG. 15(a)) that displays the received information on the deposit by purpose. The purpose-specific deposit top screen 290 has a savings transition display area 458 , an unset balance display area 460 , and a purpose list display area 462 . The savings transition display area 458 displays the number of the user's savings account, the balance of the account, and the transition of the balance. The unset balance display area 460 displays the balance of purpose-specific deposits for which the deposit purpose has not been set. In particular, this balance is obtained by subtracting the total balance of purpose-specific deposits other than unsettled deposits from the balance of the savings account. In the purpose list display area 462, a purpose-specific balance, a target amount, and a balance setting slider are displayed in association with each other for each deposit purpose. By operating the balance setting slider, the user can freely transfer funds between purpose-specific deposits. In particular, when the slider is operated in the direction of decreasing the balance, there is no restriction, and the balance in the unset balance display area 460 increases by the amount decreased. Conversely, when the slider is operated in the direction of increasing the balance, the operation is limited to the range of the balance in the unset balance display area 460 .

When the portable terminal 12 detects a tap on one of the plurality of purpose-specific deposits displayed in the purpose list display area 462, the purpose-specific deposit details screen 464 (FIG. 15 ( b)) is displayed on the display 124; The purpose-specific deposit details screen 464 has an achievement level display area 466, a balance display area 468, a purpose type display area 470, a target amount display area 472, a memo display area 474, and a coupon confirmation button 476. . The achievement degree display area 466 visually displays the ratio of the balance by purpose and the target amount as the degree of achievement. In the balance display area 468, the balance by purpose and the target amount are displayed in association with each other. The purpose type display area 470 displays the deposit purpose. A target amount is displayed in the target amount display area 472 . The memo display area 474 displays the user's memo related to purpose-specific deposits.

When the mobile terminal 12 detects that the coupon confirmation button 476 has been tapped, the mobile terminal 12 transmits a purpose-specific coupon request including the deposit purpose and the purpose-specific balance corresponding to the tapped coupon confirmation button 476 to the support server 16 via the network 14 . . The coupon information transmitting unit 112 of the support server 16 selects from the coupon information holding unit 132 coupon information corresponding to the deposit purpose and purpose-specific balance included in the received purpose-specific coupon request. The coupon information transmitting unit 112 extracts from the coupon information holding unit 132 information on coupons corresponding to the deposit purpose whose corresponding reference amount is smaller than the purpose-specific balance. In the example of FIG. 8, for the purpose of deposit “travel” and the balance by purpose “237,000 yen”, the coupon information transmitting unit 112 sends five coupons “5% off all products of C tour” and “package of first and second trip”. "Tour 10% off", "10% off all ABC tour products", "10% off all ABC tour products", and "10% off all ABC travel tour products" are extracted. For the purpose of deposit “travel” and the balance by purpose “150,000 yen”, the coupon information transmitting unit 112 extracts only one coupon “5% off all products for C tour”. The coupon information transmission unit 112 transmits the extracted coupon information to the mobile terminal 12 via the network 14 .

The mobile terminal 12 causes the display 124 to display a purpose-specific coupon screen 478 (FIG. 15(c)) that displays the received coupon. Received coupons are displayed in a list format on the purpose-specific coupon screen 478 . When mobile terminal 12 detects a tap on one of the multiple coupons displayed on purpose-specific coupon screen 478, mobile terminal 12 displays coupon use confirmation screen 480 on display 124 to inquire whether or not the tapped coupon is to be used. display. A use button 482 and a non-use button 484 are displayed on the coupon use confirmation screen 480 . When the portable terminal 12 detects that the unused button 484 has been tapped, the purpose-specific coupon screen 478 is displayed again on the display 124 .

When detecting a tap on the use button 482 , the mobile terminal 12 transmits a coupon registration request including coupon specifying information specifying the tapped coupon to the support server 16 via the network 14 . The coupon usage registration unit 114 of the support server 16 associates the user ID of the authenticated user (i.e., the source user) with the coupon specified by the coupon specifying information included in the received coupon registration request, and adds it to the usage declared user. It is registered in the coupon information holding unit 132 as an ID. The coupon use registration unit 114 transmits a response signal to the received coupon registration request to the mobile terminal 12 via the network 14 . When receiving the response signal, the mobile terminal 12 causes the display 124 to display a coupon reception completion screen 486 (FIG. 15(e)).

After accepting the use of the coupon, the user is automatically provided with the coupon benefits by using a specific payment method (debit/credit) at the target store. This is realized by matching the usage declaration user ID held in the coupon information holding unit 132 and the user's payment record.

When the mobile terminal 12 detects a tap on the my coupon area 260 of the home screen 242 , the mobile terminal 12 displays the my coupon screen on the display 124 . The My Coupon screen has the same configuration as the purpose-specific coupon screen 478 .

In the above-described embodiments, examples of holding units are hard disks and semiconductor memories. In addition, based on the description of this specification, each part is implemented by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from the hard disk, etc. Those skilled in the art who have access to this specification will understand what is possible.

According to the account management system 10 of the present embodiment, a deposit button 276 is provided on the balance result screen 244 as a lead to transfer. Therefore, after notifying the user that the result of last month's balance is positive, the user can be urged to make a transfer on the spot. Moreover, such a transfer can be realized with a single tap. As a result, the user can remember to make the transfer smoothly.

Further, in the account management system 10 according to the present embodiment, the user can set the transfer amount by operating the setting slider 274 on the balance result screen 244 . Therefore, when the user does not want to transfer the entire amount of the last month's income and expenditure results, it is possible to enhance the user's convenience in setting the transfer amount. In particular, since the user can check the last month's income and expenditure results, set the transfer amount, and instruct the transfer on one screen, a user interface with less operational stress is provided.

Further, in the account management system 10 according to the present embodiment, the information displayed in the group information display area of the clipboard top screen 288 corresponds to the group of articles collected by the user. By grouping the articles collected by the user, the user's latent tastes, hobbies, needs and desires can be revealed. That is, groups may correspond to preferences that users likely have. For example, a group "train trip" is created in the clipboard of a user who has collected many articles about trains and train windows, and it is presumed that the user desires train trips.

The group information display area provides a button 436 that serves as a lead to the setting of purpose-specific deposits according to group information. As a result, the user, who has been made aware of his or her latent preferences and desires by the group information display area, can be urged on the spot to set a purpose-specific deposit to meet those preferences. As a result, when the user becomes aware of his or her own tastes and desires, he or she can seamlessly start making deposits according to purpose in order to fulfill them. In addition, the establishment of purpose-specific deposits stimulates consumption corresponding to the purpose of the deposit.

In addition, in the account management system 10 according to the present embodiment, the budget required to meet the preferences and wishes is displayed in the budget display area 432 of the group information display area. Therefore, it is possible to provide the user with one index for determining whether or not to set the purpose-specific deposit without further user operation. As a result, user convenience is improved.

In addition, in the account management system 10 according to the present embodiment, the value specified by the group corresponding to the tapped grant button 436 is displayed in the deposit purpose input area 448 and the target amount input area 450 of the deposit creation screen 446 by purpose. is pre-entered. Therefore, input operations by the user can be omitted, and user convenience is improved.

In addition, in the account management system 10 according to the present embodiment, coupons corresponding to deposit purposes are displayed on the purpose-specific coupon screen 478 . As a result, it is possible to provide benefits to users and promote conversion from purpose-specific deposits to consumption.

Also, in the account management system 10 according to the present embodiment, the balance is calculated based on the deposit/withdrawal data of the ordinary deposit account. The balance result calculated in this way corresponds to the actual increase in the balance of the savings account. Therefore, when receiving a transfer instruction from the user, it is possible to reduce the probability that the balance of the transfer source savings account is less than the transfer amount. In addition, compared to the case where the balance is accumulated whenever the balance result is positive, that is, without inquiring the user, the present embodiment provides an option not to transfer (no deposit button 278). It will be possible to form purpose-specific deposits in a more appropriate manner.

The configuration and operation of the account management system 10 according to the embodiment have been described above. Those skilled in the art will understand that this embodiment is merely an example, and that various modifications are possible in combination of each component and each process, and that such modifications are within the scope of the present invention.

In the embodiment, the case where the management application 20 is installed in the mobile terminal 12 has been described, but the present invention is not limited to this, and an application having the same functions as the management application 20 is installed in a stationary terminal such as a desktop PC. may be Further, in the embodiment, the case where the management application 20 is an installation-type application that is installed in the mobile terminal 12 has been described, but the present invention is not limited to this. It may be realized as a web application used in .

In the embodiment, a case has been described in which funds are transferred between a savings account and a savings account, and the balance of the savings account is sorted for deposit purposes, but the present invention is not limited to this. For example, a checking account may be used in place of a savings account, and a fixed deposit account may be used in place of a savings account. More generally, the accounting server manages a user's first account and said user's second account, which has a lower degree of freedom in withdrawals than the first account. The support server obtains the balance of the second account from the accounting server and virtually sorts the obtained balance for deposit purposes. This reduces the probability that the balance of the second account will decrease for reasons other than the use of purpose-specific deposits. If a purpose-specific deposit is set up in the first account, the balance of the first account will easily decrease due to debit settlements, withdrawals, withdrawals, etc., regardless of the purpose-specific deposit. and often do not match. Each time, it is necessary to reset the balance for each purpose, which is troublesome. Therefore, by setting purpose-specific deposits in the second account, it is possible to suppress the occurrence of such troubles and improve user convenience.

Also, if the financial institution that manages the accounting server and the supporting entity are allowed to be different, for example, even an information providing company that has little to do with finance can serve as the supporting entity. Therefore, it is possible to provide users with a wider range of flexible services that are not bound by financial frameworks.

In this embodiment, the case where the last month's total income exceeds the last month's total expenditure has been described, but the present invention is not limited to this. For example, if the opposite is true, that is, if the total expenditure last month exceeds the total income last month, the portable terminal 12 transfers at least part of the result of last month's balance, which is the difference between the total expenditure last month and the total income last month, from the savings account to the savings account. An inquiry may be made as to whether or not to move. That is, the task of compensating for the deficit from the savings account may be realized by one tap on the balance result screen. In that case, the setting slider accepts the setting of the compensation amount. Also, the income and expenditure result screen may be displayed on the display 124 in different modes depending on whether the last month's income and expenditure result is positive or negative. For example, the background of the income and expenditure screen may be blue if the total income last month exceeds the total expenditure last month, and the background of the income and expenditure screen may be red if the total expenditure last month exceeds the total income last month. This increases the visibility of the balance result.

In the present embodiment, the case where the unit of sorting is a deposit by purpose, that is, a virtual unit and the account number is not assigned has been explained, but the unit of sorting is not limited to this, and the unit of sorting is an account such as a so-called virtual account or an actual account. A number may be assigned.

In this embodiment, as a part of income and expenditure management, the support server detects that the balance is insufficient if the planned expenditure amount based on the expenditures scheduled to occur by the next closing date or the expenditure derived from the expenditure history is greater than the current balance. may be notified to the user by push notification or the like. In this case, user's wasteful spending can be reduced.

In the present embodiment, if a deposit by purpose corresponding to the group information display area has already been set, the mobile terminal displays information on the deposit by purpose, such as balance by purpose, instead of the buttons available in the group information display area. You may provide an area to

In this embodiment, the purpose-specific deposit creation screen may have an area for displaying the expected date of achievement calculated backward from the target amount and the monthly savings amount.

In the present embodiment, when the deposit button 276 on the balance result screen 244 is tapped, an instruction is sent from the mobile terminal 12 to transfer the amount of funds set by the setting slider 274 from the ordinary account to the savings account. It is sent to the support server 16 . The funds transferred according to the instruction are first reflected in the balance for which the deposit purpose has not been set displayed in the unset balance display area 460 of the purpose-specific deposit top screen 290 . However, the balance result screen may be configured so that the user can designate how the funds to be transferred are allocated to the purpose-specific deposits.

FIG. 16A is a representative screen diagram of the balance result screen 502 according to the modification. The balance result screen 502 includes a difference display area 504 corresponding to the difference display area 272 in FIG. 10(d), a distribution setting area 506, a deposit button 508 corresponding to the deposit button 276 in FIG. and a no deposit button 510 corresponding to the no deposit button 278 of FIG. 10(d). The distribution setting area 506 includes a first object 512 for receiving designation of the total transfer amount, and a second object for designating how much of the transfer amount designated by the first object 512 is allocated to which purpose-specific deposit. 514 and a third object 516, and a transfer amount display area 518 that numerically displays the transfer amount corresponding to the current position of the first object 512. FIG.

The user can specify the transfer amount by sliding the first object 512 with respect to the slider bar 520 . By sliding the second object 514 and the third object 516, the user can freely set the amount to be allocated to each purpose-specific deposit. A first segment 522 from the left end of the slider bar 520 to a third object 516 corresponds to purpose-specific deposits identified by the deposit purpose "travel". A second segment 524 from the third object 516 through the second object 514 corresponds to purpose deposits identified with the deposit purpose "marriage". A third segment 526 from the second object 514 to the first object 512 corresponds to purpose-specific deposits identified by the deposit purpose "residence". In order to visually show the correspondence between segments and deposit purposes, the distribution setting area 506 has a deposit purpose display area 530 that displays the deposit purpose corresponding to each segment in association with the segment. A fourth segment 528 from the first object 512 to the right end of the slider bar 520 corresponds to the amount that is not transferred among the last month's balance results displayed in the difference display area 504 .

The allocation setting area 506 visually displays the total transfer amount and the amount allocated to each purpose-specific deposit. In particular, the ratio of the length of the portion other than the fourth segment 528 to the total length of the slider bar 520 represents the ratio of the total transfer amount to the last month's balance result. The ratio of the length of the first segment 522, the length of the second segment 524, and the length of the third segment 526 represents the ratio of the amounts allocated to the purpose-specific deposits of "travel," "marriage," and "housing." . FIG. 16(b) shows the allocation setting area when the amount to be allocated to each purpose-specific deposit is indicated by a numerical value. FIG. 16(c) shows another display mode of the amount allocated to purpose-specific deposits. When the user taps a desired deposit purpose, the mobile terminal 12 displays a pop-up 532 of the amount allocated to the purpose-specific deposit identified by the tapped deposit purpose.

Before displaying the balance result screen 502 on the display 124 , the mobile terminal 12 acquires the purpose-specific deposit information held in the purpose-specific deposit information holding unit 130 from the support server 16 via the network 14 . The mobile terminal 12 sets the display mode of the allocation setting area 506 based on the deposit purpose and the monthly savings amount included in the acquired information. If there are three set deposit purposes, the portable terminal 12 arranges three objects on the slider bar 520, and divides the slider bar 520 into four segments including those corresponding to the amount not to be transferred. At that time, the default length of each segment is set according to the ratio of the monthly savings amount. Alternatively, the default distribution ratio may be separately registered in advance by the user, and the default segment length may be set according to the registered ratio.

When the mobile terminal 12 detects a tap on the deposit button 508, the mobile terminal 12 generates a transfer request signal including the distribution information specifying the distribution set in the distribution setting area 506 and the total transfer amount, and supports it via the network 14. Send to server 16 . The support server 16 sends a request to the accounting server 18 to transfer the entire transfer amount of funds from the user's savings account to the savings account. In addition, the support server 16 sorts the transfer amount according to the amount allocated to each deposit purpose designated by the sorting information. In particular, the support server 16 performs a process of adding the amount specified by the allocation information included in the transfer request signal to the purpose-specific balance of each purpose-specific deposit.

According to this modification, it is possible not only to seamlessly connect the display of the income and expenditure result to the transfer, but also to distribute the transfer amount on the spot. Therefore, after the transfer, the user does not need to separately open the purpose-specific deposit top screen 290 and perform individual distribution, thereby improving user convenience. In addition, since the purpose of the deposit can be reminded to the user at the stage of displaying the balance result, it is possible to promote continuation of the saving activity.

In an embodiment, the mobile terminal 12 may execute a goal achievement process when the target amount of purpose-specific deposits is achieved. The goal achievement process includes displaying an achievement notification screen 602 on the display 124 to notify the user that the goal has been achieved, and prompting the user to transfer the achieved target amount from the savings account to the savings account. and including.

17A to 17D are representative screen diagrams of screens displayed on the display during the goal achievement process. FIG. 17A is a representative screen diagram of the achievement notification screen 602. FIG. The achievement notification screen 602 has text 606 and visual effect 608 indicating that the target amount has been achieved, a coupon confirmation button 604 prompting confirmation of the coupon, and a delete button 610 . When the portable terminal 12 detects a tap on a purpose-specific deposit for which the target amount has been achieved among the plurality of purpose-specific deposits displayed in the purpose list display area 462 (FIG. 15(a)), the tapped purpose-specific deposit is detected. is displayed on the display 124 . Alternatively, the mobile terminal 12 may display the achievement notification screen 602 on the display 124 when the target amount is achieved. When the mobile terminal 12 detects that the coupon confirmation button 604 has been tapped, the mobile terminal 12 causes the display 124 to display a coupon screen having the same configuration as the purpose-specific coupon screen 478 . In this way, by prompting the user who has achieved the target amount to use the coupon related to the target in accordance with the achievement of the target, it is possible to increase the utilization rate of the coupon.

When the mobile terminal 12 detects that the delete button 610 has been tapped, it causes the display 124 to display a completed deposit details screen 612 ( FIG. 17( b )) having the same configuration as the purpose-specific deposit details screen 464 . The main difference between the achieved deposits details screen 612 and the deposits by purpose details screen 464 is that the achieved deposits details screen 612 prompts the user to transfer the achieved target amount of funds from the savings account to the savings account. The difference is that it has a transfer button 614 of That is, when the balance of the purpose-specific deposit reaches the target amount, the portable terminal 12 starts displaying the transfer button on the corresponding purpose-specific deposit details screen. When the mobile terminal 12 detects that the transfer button 614 has been tapped, it causes the display 124 to display a transfer processing screen 616 (FIG. 17(c)). The transfer processing screen 616 has a transfer source information display area 618 , a transfer destination information display area 620 , a transfer amount setting area 622 , a transfer execution button 624 , a numerical input button 626 and a cancel button 628 .

The transfer processing related to the transfer processing screen 616 is basically limited to the transfer of the amount within the achieved target amount from the savings account to the savings account. A transfer source information display area 618 displays the balance of the savings account as the transfer source. A transfer destination information display area 620 displays the balance of the savings account as the transfer destination. The transfer amount setting area 622 accepts designation of the amount of funds to be transferred from the savings account to the savings account. The transfer amount setting area 622 is configured in the same manner as the setting slider 274, and in particular, the maximum transferable amount is the achieved target amount. A numerical input button 626 is a button for setting the amount of funds to be transferred by directly inputting numbers. When the numeric input button 626 is tapped, the mobile terminal 12 activates an interface for accepting direct numeric input. When the mobile terminal 12 detects that the cancel button 628 has been tapped, it stops the transfer process.

When the mobile terminal 12 detects that the transfer execution button 624 has been tapped, the mobile terminal 12 performs processing for transferring the amount of funds set in the transfer amount setting area 622 from the savings account to the savings account. This processing conforms to the processing when a tap on the deposit button 276 on the balance result screen 244 is detected. When the transfer processing is completed, the portable terminal 12 causes the display 124 to display a transfer completion screen 630 (FIG. 17(d)). The transfer completion screen 630 displays text indicating that the transfer has been completed and the transferred amount.

In this way, by providing a lead from the purpose-specific deposit details screen on which the target amount has been achieved to the screen for performing the transfer process, the user's trouble of transferring funds from the savings account to the ordinary account can be reduced. can be done. Since the use of funds from a savings account is usually restricted, even if a user achieves a target amount for a certain purpose, it is often the case that the amount must be transferred to a savings account before the funds can be used. On the other hand, in the present embodiment, the transfer processing screen 616 can be displayed with one tap of the transfer button 614 when the goal is achieved, so the time and effort required for such transfer can be reduced, and user convenience can be enhanced.

In addition, according to the present embodiment, an interface is provided that allows the setting slider 274 and the transfer amount setting area 622 to roughly and quickly and intuitively specify the amount to be transferred. When numerically inputting the amount to be transferred using the numerical input button 626 or the like, it is possible to accurately specify even fractions, but the input operation becomes complicated. On the other hand, in this embodiment, it is possible to visually set the amount using a slider, so that it is possible to complete the input quickly in situations where it is sufficient to roughly set the amount.

In FIG. 9 of the embodiment, the case where the user's initial registration with the management application 20 has been completed has been described. First registration processing to the management application 20 will be described. FIG. 18 is a representative screen diagram of the initial registration screen 680. As shown in FIG. When a tap on the initial registration button 642 on the application activation screen 640 shown in FIG. Initial registration screen 680 has user information input area 682 , password input/confirmation area 684 , and start button 686 . A user who is about to start using the management application 20 inputs a desired user name and his/her own e-mail address in the user information input area 682 . The user enters the desired password in password entry/confirmation area 684 and enters the same password for confirmation. When the mobile terminal 12 detects a tap on the start button 686, it generates an initial registration request including the initial registration user information entered in the user information input area 682 and the initial registration password entered in the password input/confirmation area 684, It is transmitted to the support server 16 via the network 14 . The user authentication unit 102 of the support server 16 registers the information included in the received initial registration request in the user information holding unit 116 as new user information. When the registration is completed, the user authentication unit 102 transmits a registration completion notification to the portable terminal 12 via the network 14. FIG. Upon receiving the registration completion notice, the mobile terminal 12 displays the home screen 242 on the display 124 .

FIG. 9 of the embodiment has explained the case where the user's account has been registered. The process of registering an account in the management application 20 will be explained. 19A and 19B are representative screen diagrams of screens displayed on the display 124 in the account registration process. FIG. 19(a) is a representative screen view of the home screen 690 displayed to a user who has not yet registered an account. The difference between the home screen 690 of FIG. 19(a) and the home screen 242 of FIG. 10(c) is that the former displays an account registration notification area 692 instead of the balance result display area 254 of the latter. When the mobile terminal 12 detects the tap on the account registration notification area 692, the display 124 displays an account registration screen 694 (FIG. 19(b)). The account registration screen 694 has an account information input area 696 for accepting input of account authentication information used for authentication with the accounting server 18 and a registration button 698 .

In the account information input area 696, the user inputs the information of his or her ordinary deposit account that has already been opened and authentication information such as its password. When detecting a tap on the registration button 698 , the mobile terminal 12 generates an account registration request including the account authentication information entered in the account information input area 696 and transmits it to the support server 16 via the network 14 . The accounting system cooperation unit 140 of the support server 16 starts authentication related to the accounting system based on the received account authentication information. The accounting system cooperation unit 140 may transmit the received account authentication information to the accounting system server 18 as it is, and authentication may be performed by the accounting system server 18 . Alternatively, the accounting system cooperation unit 140 may perform authentication instead of the accounting system server 18 . If the result of the authentication is authentication failure, the accounting system cooperation unit 140 notifies the mobile terminal 12 to that effect via the network 14 . The mobile terminal 12 performs authentication failure processing such as displaying the account registration screen 694 on the display 124 again. When the result of the authentication is that the authentication is successful, the account system linking unit 140 registers the information of the savings account related to the successful authentication in the user information holding unit 116 in association with the user ID. When the registration is completed, the accounting cooperation unit 140 transmits a registration completion notice to the mobile terminal 12 via the network 14 . Upon receiving the registration completion notice, the mobile terminal 12 displays the home screen 242 on the display 124 .

It should be noted that after the first account registration through the account registration screen 694, authentication for using financial functions related to the saving button 268 and the wallet button 270 is not required. That is, after logging in to the management application 20, financial functions can be used without accounting authentication. However, after a predetermined period (1 month, half a year, 1 year, etc.) has passed, or if an irregular event such as a change of the mobile terminal 12 occurs, the accounting system for using financial functions authentication may be performed again.

In the embodiment, the user is requested to enter authentication information through the login screen 240, and user authentication is performed by the support server 16 using the entered authentication information. However, the present invention is not limited to this. For example, user authentication may be performed using a passcode or fingerprint authentication function provided by the operating system of the mobile terminal 12 .

20A to 20C are representative screen diagrams of screens displayed on the display in the authentication process. Upon detecting a tap on the menu button 241 on the home screen 242 shown in FIG. 10(c), the mobile terminal 12 causes the display 124 to display a menu list (not shown) including "setting". When the mobile terminal 12 detects the tap on “setting”, the mobile terminal 12 causes the display 124 to display a setting screen 650 (FIG. 20(a)). The setting screen 650 has an account setting area 652 , a passcode setting area 654 , a notification setting area 656 and an income and expenditure management setting area 658 .

When the mobile terminal 12 detects the tap on the passcode setting area 654, it causes the display 124 to display the passcode etc. setting screen 660 (FIG. 20(b)). The passcode etc. setting screen 660 has a passcode availability setting area 662 , a passcode change area 664 , and a fingerprint authentication availability setting area 666 . The passcode use permission/prohibition setting area 662 has a toggle switch, and accepts setting of passcode use permission/prohibition by operating the switch. Use of the passcode is activated when the toggle switch is turned ON, and deactivated when the toggle switch is turned OFF. When the passcode change area 664 is tapped, a screen (not shown) for changing the passcode is displayed on the display 124 . Fingerprint authentication use permission/prohibition setting area 666 has a toggle switch, and accepts setting of fingerprint authentication use permission/prohibition by operating the switch. The use of fingerprint authentication is activated when the toggle switch is turned ON, and deactivated when the toggle switch is turned OFF.

If the use of the passcode is activated in the passcode use permission/prohibition setting area 662 and the use of fingerprint authentication is activated in the fingerprint authentication use permission/prohibition setting area 666, the login screen 240 will be displayed when the management application 20 is started from the next time onward. A passcode/fingerprint authentication screen 670 (FIG. 20(c)) is displayed on the display 124 instead of . On the passcode/fingerprint authentication screen 670, the portable terminal 12 performs user authentication using a preset passcode, fingerprint authentication, or both. In the example of FIG. 20(c), fingerprint authentication is performed first, and if the authentication is passed, input of a passcode (for example, a four-digit number) is requested. Note that passcode authentication and fingerprint authentication may always be performed at the timing when the screen of the management application 20 is displayed on the display 124 . The portable terminal 12 activates key information for managing the login state by this passcode/fingerprint authentication, and performs authentication. Since the key information for managing the login state has an expiration date, the user is requested to enter a user ID/password when the expiration date expires and the key information becomes invalid.

10 account management system, 12 portable terminal, 14 network, 16 support server, 18 accounting server.

Claims (10)

to the computer,
A function to display content including information related to goods or services on the display;
a function of accepting a user's specification of content displayed on the display;
a function of causing the display to display a first screen displaying an instruction reception area for creating the contents of the purpose-specific deposit related to the content specified by the user;
a function of causing the display to display a second screen displaying an input area for inputting information on the purpose-specific deposit when the receiving area receives an instruction on the first screen;
A program characterized by realizing 2. The program according to claim 1, wherein at least part of the information on the purpose-specific deposit is automatically input according to the content specified by the user. The purpose-specific deposit information includes at least a deposit purpose, a target amount, and a savings schedule,
3. The program according to claim 2 , wherein said at least part of said purpose-specific deposit information is said deposit purpose and said target amount. 3. The program according to claim 1, wherein the purpose-based deposit information includes a deposit purpose and a target amount. 5. The program of claim 4, wherein the deposit purpose is selectable from a plurality of categories. 6. The program according to claim 4, wherein the target amount can be changed according to user input. 7. The program according to any one of claims 4 to 6, wherein the purpose-specific deposit information further includes a savings schedule. 8. The program according to claim 7, wherein the saving schedule can change the saving execution date. An information processing device,
a means for causing a display to display content including information related to goods or services;
means for receiving a user's designation of content displayed on the display;
means for causing the display to display a first screen displaying an instruction reception area for creating the content of the purpose-specific deposit related to the content designated by the user;
means for causing the display to display a second screen displaying an input area for inputting information on the purpose-specific deposit when the receiving area receives an instruction on the first screen;
An information processing device comprising: An information processing method,
causing a display to display content including information related to goods or services;
accepting a user's specification of content displayed on the display;
a step of displaying on the display a first screen displaying an instruction reception area for creating the content of the purpose-specific deposit related to the content designated by the user;
a step of displaying on the display a second screen displaying an input area for inputting information on the purpose-specific deposit when the receiving area on the first screen receives an instruction;
An information processing method characterized by having

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