JP7228663B2 - Account management system and account management method - Google Patents

Description

The present invention relates to an account management system, an account management method, and a program therefor that can manage an account using an information terminal. The present invention also relates to an information providing system that provides information reflecting customer's intentions.

In recent years, financial services have changed significantly due to the spread of information terminals such as smartphones and tablets. For example, banks provide banking services via the Internet, so-called Internet banking, and customers can use their own information terminals to inquire about bank account balances and check detailed information. In addition, new businesses other than banking have entered the market, and new financial services that are integrated with information technology called Fintech have started. For example, as one of the financial services provided by companies other than banks, we centralize detailed information of various services provided on the Internet such as bank deposits, securities, insurance, credit cards, point services, and mileage services. There is a so-called PFM (Personal Financial Management) service, which is a service for efficiently designing and managing assets.

However, since the current PFM service mainly provides detailed information, the customer merely confirms the detailed information of the deposit account. Therefore, as a typical method for managing savings of customers, in most cases, a plurality of deposit accounts are opened for each purpose of savings and the balance of each deposit account is managed.

On the other hand, as a method of managing deposit accounts in Internet banking, multiple virtual divisions (for example, "circle activity expenses", "study abroad expenses", etc.) are set for one deposit account, and the balance of the deposit account is calculated. A method of sorting into virtual categories is known (see Patent Document 1, for example). According to this management method, a customer can set a virtual division for each savings purpose in one deposit account and manage his/her own savings by managing the virtual division.

JP-A-2003-30449

However, if a deposit account for which virtual divisions can be set is a deposit account from which cash can be withdrawn at an ATM or the like, there are many deposits and withdrawals in the deposit account, and the balance of the deposit account is unstable. Therefore, the virtual divisions set in the deposit accounts are merely set, and in reality, as described above, most customers manage their savings using the balances of multiple deposit accounts. In addition, it is the customer who manages the savings, and the bank that provides the deposit account does not provide information on the customer's savings.

In view of the above problems, the present invention provides an account management system, an account management method, a program, and an information providing system related to a customer's account that supports the customer's savings management and is linked to the customer's savings purpose or savings amount. is one of the issues.

An account management system according to an embodiment of the present invention includes a first server that executes business transaction processing of a first account and a second account linked with the first account, and a second account and a link with the second account. and a second server for performing virtual transaction processing for the virtual account.

An account management system according to an embodiment of the present invention includes first account data including first balance information of a first account and second account data including second balance information of a second account linked with the first account. and a virtual account of one or more virtual accounts linked to the third account data including the third balance information of the second deposit account and the second account connected to the customer's information terminal a second server for managing virtual account data including balance information, wherein the second server performs processing so that the amount obtained by adding the virtual account balance information to the third balance information matches the second balance information. .

In an account management method according to an embodiment of the present invention, in a first server, first balance information included in first account data of a first account and second account of a second account linked with the first account The second balance information included in the data is used to execute the first arithmetic processing, and the third balance information included in the third account data of the second account and the second account are linked in the second server. and virtual account balance information included in the virtual account data of one or more virtual accounts, and performing the second arithmetic processing, wherein the second arithmetic processing calculates the amount obtained by adding the virtual account balance information to the third balance information. Processing is performed so as to match the second balance information.

A program according to one embodiment of the present invention executes an account management method.

The first server includes a first processing unit that performs arithmetic processing using the first account data and the second account data, a first storage unit that stores the first account data and the second account data after the arithmetic processing, may contain

The second server includes a second processing unit that performs arithmetic processing using the third account data and one or more virtual account data, and a third account data after arithmetic processing and one or more and a second storage unit for storing virtual account data.

The second account may be transferable only with the first account.

The first account and the second account may be direct debitable.

The first server and the second server may be connected through an intranet.

An information providing system according to an embodiment of the present invention includes an analysis unit that generates recommendation information including content related to detailed information of a second account linked to a customer's first account, and the recommendation information is It is sent to the customer's information terminal.

The analysis unit may generate recommendation information from the purchase history included in the detailed information.

The content may be information related to the name of the virtual account associated with the second account. Also, the content may be information related to management of the balance of the second account.

1 is a configuration of an account management system according to one embodiment of the present invention; It is a configuration of transaction processing of the account management system according to one embodiment of the present invention. It is an example of a balance information database used in the account management system according to one embodiment of the present invention. It is an example of a statement information database used in the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the account management system according to one embodiment of the present invention. It is an example of a processing flow diagram using the information providing system according to one embodiment of the present invention.

An embodiment of the present invention will be described in detail below with reference to the drawings. Each embodiment described below is an example of the embodiment of the present invention, and the present invention should not be construed as being limited to the embodiment. That is, each embodiment described below can be modified by applying a known technique, and implemented in various modes.

In the present specification, "α includes A, B or C", "α includes any one of A, B and C", "α is one selected from the group consisting of A, B and C The expression "including" does not exclude the case where α includes a plurality of combinations of A to C, unless otherwise specified. Furthermore, these expressions do not exclude the case where α contains other elements.

As used herein, the term “information terminal” refers to information equipment that can access information through a network. The "information terminal" is, for example, a mobile phone, a smart phone, a tablet, a personal computer, or the like, but is not limited thereto.

As used herein, the term “database” refers to accumulated information that is managed as data so that it can be processed (for example, adding, deleting, or searching for information) by a processing unit such as a computer. say something A "record" is one of the units constituting a database, and includes information for one case to be managed. The information included in the "record" may include not only one item but also a plurality of items.

As used herein, the term "account" refers to an entity that can identify the balance of assets (money, securities, virtual currency, electronic money, point services, etc.) used for transaction processing. "Account" includes "savings account," "savings account," "securities account," or "investment trust account."

As used herein, the term "deposit account" refers to an account opened to deposit money in a financial institution such as a bank, credit union, credit union, or labor bank. In this specification, each embodiment is described using the term "deposit account", but the present invention can also be applied to "accounts" other than the above financial institutions.

As used herein, “transaction processing” refers to processing that accompanies an increase or decrease in assets.

As used herein, the term “transfer” refers to the transfer of funds to a bank account in another person's name at a financial institution, or the transfer of funds to an unlinked bank account in the name of a financial institution. "Transfer" includes "cash transfer" performed in cash and "account transfer" performed from an account.

As used herein, "transfer" refers to the movement of funds between linked deposit accounts in the same financial institution. In this specification, the term “transfer” includes not only actual transfer of funds but also virtual transfer of funds.

As used herein, the term "account transfer" refers to a service for automatically withdrawing credit card usage charges or utility charges from a deposit account.

In this specification, "balance information" refers to the balance (balance) in the income and expenditure of an account, which is data that can be managed by a database.

In this specification, "detailed information" indicates the breakdown of account balances and refers to data that can be managed in a database.

In the following, the financial institution is Bank X, the customer of Bank X is customer A, and the account of Bank X is a deposit account. including application programs for using the account management system).

Bank X can manage Customer A's savings account using an account management system. In addition, Bank X can provide the information terminal of customer A with an application program for using the account management system.

On the other hand, customer A can receive services related to the account management system provided by X Bank by installing an application program on the information terminal.

<First embodiment>
An account management system according to an embodiment of the present invention will be described with reference to FIGS. 1 and 2. FIG.

FIG. 1 shows the configuration of an account management system 10 according to one embodiment of the present invention. As shown in FIG. 1, account management system 10 includes first server 100 and second server 200 . First server 100 includes first processing unit 110 and first storage unit 120 . The second server 200 includes a second processing section 210 and a second storage section 220 . Also, each of the first server 100 and the second server 200 can include a transmitter and a receiver for transmitting and receiving data between the servers.

Each of the first server 100 and the second server 200 is, for example, a computer. Each of the first server 100 and the second server 200 may be composed of one computer, or may be composed of a plurality of computers. That is, although the first server 100 and the second server 200 are separately described for convenience, the first server 100 and the second server 200 may be one computer. Each of the first server 100 and the second server includes, for example, an MPU (Micro Processing Unit), a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), and an HDD. (Hard Disc Drive), Solid State Drive (SSD), Dynamic Random Access Memory (DRAM), NAND flash memory, or NOR flash memory.

The first processing unit 110 and the second processing unit 210 can read a program necessary for processing and execute processing according to the program. The first processing unit 110 and the second processing unit 210 include, for example, CPU, MPU, RAM, or ROM. Meanwhile, the first storage unit 120 and the second storage unit 220 can store data or databases. For example, first storage unit 120 and second storage unit 220 include storage devices such as HDDs or SSDs. The first processing unit 110 and the first storage unit 120 have an interface, and can communicate data and programs between them. Note that the first processing unit 110, the second processing unit 210, the first storage unit 120, and the second storage unit 220 may be configured by one electronic device, or may be configured by a plurality of electronic devices. good.

FIG. 2 illustrates a transaction processing configuration for deposit accounts and virtual accounts associated with account management system 10 in accordance with one embodiment of the present invention. The account management system 10 uses a deposit account issued by X Bank and a virtual account created by customer A.

Regarding deposit accounts, the account management system 10 includes at least a first deposit account 810 and a second deposit account 820 associated with the first deposit account. Each of the first deposit account 810 and the second deposit account 820 are customer A's deposit accounts at Bank X. That is, the first deposit account 810 and the second deposit account 820 are deposit accounts belonging to the same person, and can process transactions independently of each other.

However, the second deposit account 820 is limited in some of the transaction processing that can be performed with the first deposit account 810, and the first deposit account 810 and the second deposit account 820 are not exactly the same. For example, the first deposit account 810 can transfer money to a deposit account 850 in another person's name at Bank X, a deposit account 860 in Bank X's own name (customer A's name), or a deposit account 870 in a bank other than Bank X. can be done. In addition, the first deposit account 810 can transfer funds between the first deposit account 810 and the second deposit account 820 linked thereto. Additionally, first deposit account 810 may be a designated account for direct debit.

On the other hand, the second deposit account 820 makes a transfer to a deposit account 850 in another person's name at Bank X, a deposit account 860 in Bank X's own name (customer A's name), or a deposit account 870 in a bank other than Bank X. can be restricted so that Restricting transfers from the second deposit account 820 restricts withdrawals from the second deposit account 820, thereby stabilizing the balance of the second deposit account 820. The second deposit account 820 can be transferred to and from the first deposit account 810 . Therefore, when customer A makes a transfer, he can transfer from the first deposit account 810, so even if the transfer from the second deposit account 820 is restricted, no problem will arise. The second deposit account 820 can also be a designated account for direct debit. Since the account transfer is a regular process, it can be considered as one of the savings plans using the second savings account 820 .

Also, from another point of view, the difference between the first deposit account 810 and the second deposit account 820 will be explained.

A first deposit account 810 is primarily a deposit account processed at a bank counter or ATM. Therefore, cash cards, paper passbooks, and the like can be issued in the first deposit account 810 so that they can be processed at bank counters and ATMs.

On the other hand, the second deposit account 820 is mainly a deposit account managed by customer A's information terminal. Unlike the first deposit account 810, the second deposit account 820 does not need to be processed at a bank counter or ATM, so a cash card or a paper passbook may not be issued. In particular, by not issuing a cash card, withdrawals from the second deposit account 820 are restricted, so the balance of the second deposit account 820 is stabilized. Since the transfer from the second account 820 to the first account 810 is possible, the customer A can use the cash card of the first account 810 to withdraw cash. Therefore, there is no problem even if the cash card for the second account 820 is not issued.

As explained above, the first deposit account 810 and the second deposit account 820 are not exactly the same deposit account, for example, some of the transaction processing is restricted. Therefore, the linkage between the first deposit account 810 and the second deposit account 820 does not simply mean that the first deposit account 810 and the second deposit account 820 have the same branch or the same holder. The second deposit account 820 is attached with identification information that makes it possible to recognize that it is linked only to the first deposit account 810, and is managed in the same manner as other deposit accounts.

In addition, the second deposit account 820 is a deposit account for the purpose of saving, and can also be used as a deposit account for consolidating funds not used by the customer A for the time being. Accordingly, a virtual account 900 can be established that is tied to the second deposit account 820 to facilitate management of funds in the second deposit account 820 . One or more virtual accounts 900 can be set up for the second deposit account 820 . For example, as shown in FIG. 2, for a second savings account 820, a first virtual account 910 and a second virtual account 920 can be established. The virtual account 900 can be freely created, set up, or managed by the customer A according to the purpose of saving. For example, customer A uses the application of the information terminal to create a first virtual account 910 and a second virtual account 920, and assign the second deposit account 820 to the first virtual account 910 or the second virtual account 920. It can be set to transfer money.

The account management system 10 can separately manage a first deposit account 810 in which funds are transferred irregularly and a second deposit account 820 in which funds are transferred regularly. In other words, the account management system 10 can be said to separately manage the first deposit account 810 from which withdrawals can be freely made and the second deposit account 820 from which withdrawals are restricted. The first deposit account 810 and the second deposit account 820 are deposit accounts to which independent account numbers are assigned, but they are linked to each other and can be collectively managed. Also, in the second savings account 820, a virtual account 900 can be set up to manage funds. In particular, since the second deposit account 820 can be set and managed using the application program of the information terminal, customer A can always monitor the second deposit account 820 without choosing time or place. is. Therefore, by using the account management system 10, the customer A can pool funds in the first deposit account 810 and the second deposit account 820 and manage the funds systematically.

Returning to FIG. 1, the account management system 10 will be described.

The first server 100 can be connected to servers 600 of banks other than X Bank through the Internet. The first server 100 can also be connected to servers of other branches of Bank X. When connecting the first server 100 to a server of another branch of Bank X, the communication may be an intranet instead of the Internet.

The first server 100 can mainly execute transaction processing (hereinafter referred to as “business transaction processing”) related to banking operations such as transfer, transfer, or account transfer performed at banks and ATMs. That is, in the first server 100, the first processing unit 110 can execute a program related to business transaction processing. In addition, the first storage unit 120 stores data used for arithmetic processing of the first processing unit 110, for example, deposit account data including balance information or detailed information of each of the first deposit account 810 and the second deposit account 820. can be stored as

A database of deposit account data including balance information or detailed information will be described with reference to FIGS. 3 and 4. FIG.

FIG. 3 is an example of a database containing balance information (hereinafter referred to as "balance information database"). The balance information database shown in FIG. 3 is registered for each customer, and each record includes items of "customer number", "account number", "balance information", and "identification information". Information that identifies a customer may include the customer's name or account number, but the customer's name or account number alone cannot identify which branch of Bank X the account belongs to. For example, record no. 2 and record no. 5 has the same account number, but since the branches are different, the same account number is assigned. Therefore, in the balance information database shown in FIG. 3, a number including a branch number is registered and managed as a customer number for each customer.

In the balance information database shown in FIG. 3 and record no. 4 has the same customer number, which indicates customer A of Y branch of X bank. That is, it indicates that the same customer has a deposit account at the same branch. However, record no. 3 and record no. 4 does not have the same account number. On the other hand, record no. 4, in the item of identification information, record No. 3 account numbers are registered. Therefore, from the item of identification information, the record No. 4 is the record number. It can be seen that it is a savings account linked to 3. That is, record No. 3 is the first deposit account 810, and record No. 4 is the second savings account 820 .

Therefore, in the balance information database shown in FIG. 3, the item of identification information can be used to determine the first account 810 or the second account 820, and the item of balance information can be used to calculate the transfer process. It can be carried out.

Note that the balance information database is not limited to the configuration described above. Any database that can manage at least the customer's deposit account and can determine that the second deposit account 820 is linked to the first deposit account 810 may be used.

FIG. 4 is an example of a database containing detailed information (hereinafter referred to as "detailed information database"). The detailed information database shown in FIG. 4 is a database prepared for each deposit account corresponding to a customer number. Each record includes date, first item, second item, and amount as items. Character information entered in the passbook is registered in the first item. The second item registers the category of transaction processing. Although the second item is not necessarily required, it is useful when providing customer A with information classified by category.

Note that the balance information database and the detailed information database are not limited to the configurations described above. Any database containing at least the information necessary for customers' balance inquiries and statement inquiries is sufficient.

Returning to FIG. 1 again, the account management system 10 will be described.

The second server 200 can be connected to the first server 100 through the intranet. Also, the second server 200 can be connected to the information terminal 500 of the customer A through the Internet. The second server 200 is mainly capable of executing processes necessary for executing the application program 510 of the customer A's information terminal 500 . For example, the second server 200 can execute processing accompanying management of the application program 510 or transaction processing for the virtual account 900 (hereinafter referred to as “virtual transaction processing”). That is, in the second server 200 , the second processing unit 210 can execute a program related to management of the application program 510 and a program related to transaction processing with the virtual account 900 . In addition, the second storage unit 220 can store deposit account data including balance information used in virtual transaction processing of the second deposit account 820 or virtual account data of the virtual account 900 as a database.

By operating the application program 510 installed in the information terminal 500, the customer A can use the account management system 10 according to this embodiment and manage the second deposit account 820. FIG. Management of the second deposit account 820 (including virtual transaction processing) using the account management system 10 will be described below with reference to FIGS. 5 to 12. FIG.

[1. Balance inquiry of the second deposit account]
Customer A can use the application program 510 of the information terminal 500 to inquire about the balance of the second deposit account 820 . Application program 510 displays an icon for balance inquiry of second account 820 on information terminal 500 . When customer A touches the icon, application program 510 starts a balance inquiry processing program for second deposit account 820 . Specifically, the application program 510 sends an instruction to the account management system 10 to execute a balance inquiry processing program for the second deposit account 820 .

FIG. 5 is an example of a processing flow chart for balance inquiry of the second deposit account 820 using the account management system 10 according to one embodiment of the present invention. The first storage unit 120 of the first server 100 stores the second deposit account data 122 of the second deposit account 820 as a database. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 as a database.

The information terminal 500 transmits a command regarding balance inquiry of the second deposit account 820 to the second server 200 via the Internet. The second server 200 that has received the command connects to the first server 100 via the intranet. In the first server 100 , the first processing unit 110 extracts the second bank account data 122 from the first storage unit 120 . First server 100 transmits second deposit account data 122 to information terminal 500 via second server 200 . Application program 510 of information terminal 500 acquires the second balance information from second deposit account data 122 and displays the second balance information as the balance of second deposit account 820 on information terminal 500 .

Second storage unit 220 of second server 200 stores third deposit account data 222 including third balance information of second deposit account 820 . Second deposit account data 122 and third deposit account data 222 are both data relating to second deposit account 820, but second deposit account data 122 and third deposit account data 222 are not necessarily the same. The second balance information of the second deposit account data 122 is the balance used in business transaction processing of the second deposit account 820, while the third balance information of the third deposit account data 222 is the virtual balance of the second deposit account 820. This is the balance used in transaction processing. Specifically, the third balance information of the third deposit account data 222 includes the balance obtained by subtracting the balance information of the virtual account data from the second balance information of the second deposit account data 122 . Therefore, when customer A inquires about the balance of second deposit account 820 in business transaction processing, it is necessary to extract second deposit account data 122 stored in first storage unit 120 .

When displaying the balance of the second account 820 on the information terminal 500 , the application program 510 can also display information prompting creation of the virtual account 900 and transfer to the virtual account 900 . By displaying such information together with the balance of the second deposit account 820, the customer A's awareness of savings can be enhanced. In addition, the customer A can be encouraged to use the virtual account 900 to manage funds that are not used for the time being.

[2. Transfer from first deposit account to second deposit account]
Customer A can use the application program 510 of the information terminal 500 to transfer the designated amount from the first deposit account 810 to the second deposit account 820 . Application program 510 displays an icon for transfer from first account 810 to second account 820 on information terminal 500 . When the customer A touches the icon, the application program 510 displays a screen for entering the designated amount. When the input of the specified amount of money for customer A is completed, the application program 510 starts a transfer processing program from the first deposit account 810 to the second deposit account 820 . Specifically, the application program 510 sends an instruction to the account management system 10 to execute a transfer processing program from the first deposit account 810 to the second deposit account 820 .

FIG. 6 is an example of a processing flow diagram of transfer from the first deposit account 810 to the second deposit account 820 using the account management system 10 according to one embodiment of the present invention. First storage unit 120 of first server 100 stores first deposit account data 121 of first deposit account 810 and second deposit account data 122 of second deposit account 820 as a database. The second storage unit 220 of the second server 200 stores the third deposit account data 222 of the second deposit account 820 as a database.

Information terminal 500 transmits to second server 200 via the Internet an instruction regarding a transfer from first deposit account 810 to second deposit account 820 and data regarding a designated amount. The second server 200 that has received the command connects to the first server 100 via the intranet. In the first server 100 , the first processing unit 110 extracts first bank account data 121 and second bank account data 122 from the first storage unit 120 . Subsequently, the first processing unit 110 acquires the first balance information from the first deposit account data 121 and subtracts the designated amount from the first balance information. The first balance information of the first deposit account data 121 is rewritten with the calculated amount, and the first deposit account data 121 including the rewritten first balance information is stored in the first storage unit 120 . Also, the first processing unit 110 acquires the second balance information from the second deposit account data 122 and adds the designated amount to the second balance information. The second balance information of the second deposit account data 122 is rewritten with the calculated amount, and the second deposit account data 122 including the rewritten second balance information is stored in the first storage unit 120 .

Furthermore, the first processing unit 110 generates processing completion data 400 indicating that the transfer from the first deposit account 810 to the second deposit account 820 has been completed. The first server 100 transmits the processing completion data 400 to the information terminal 500 via the second server 200 . When the information terminal 500 receives the processing completion data 400, the application program 510 displays on the information terminal 500 that the transfer from the first deposit account 810 to the second deposit account 820 has been completed.

When business transaction processing of the second deposit account 820 is performed, it is necessary to adjust not only the second balance information of the second deposit account data 122 but also the third balance information of the third deposit account data 222 . Therefore, when the processing completion data 400 passes through the second server 200 , the second processing section 210 of the second server 200 extracts the third bank account data 222 from the second storage section 220 . Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222 and adds the designated amount to the third balance information. The third balance information of the third deposit account data 222 is rewritten with the calculated amount, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220 .

In this way, by performing similar calculations not only in the first server 100 but also in the second server 200, the balance in the business transaction processing of the second deposit account 820 and the balance in the virtual transaction processing can be interlocked. In the above explanation, the transfer from the first deposit account 810 to the second deposit account 820 was explained, but the transfer from the second deposit account 820 to the first deposit account 810 can also be performed. In this case, in the arithmetic processing in the first server 100, the first processing unit 110 adds the designated amount to the first balance information of the first deposit account data 121, and from the second balance information of the second deposit account data 122, Subtract the specified amount. The second processing unit 210 of the second server 200 also performs similar calculations.

When the application program 510 displays on the information terminal 500 that the transfer from the first deposit account 810 to the second deposit account 820 has been completed, the application program 510 displays information prompting the creation of the virtual account 900 and the transfer to the virtual account 900. You can also By displaying such information together with the transfer completion, the customer A's awareness of savings can be enhanced. In addition, the customer A can be encouraged to use the virtual account 900 to manage funds that are not used for the time being.

[3. Account transfer from the second deposit account]
Customer A can set up a second deposit account 820 as a designated account and transfer funds from the second deposit account 820 . For example, customer A can use the second deposit account 820 as a designated account in advance, and can regularly transfer utility bills and credit cards from the second deposit account 820 . In that case, the application program 510 can notify the information terminal 500 that the account transfer from the second deposit account 820 has been completed. Specifically, when the account transfer from the second deposit account 820 is completed, the application program 510 displays on the information terminal 500 that the account transfer from the second deposit account 820 has been completed.

FIG. 7 is an example of a processing flow diagram of account transfer from the second deposit account 820 using the account management system 10 according to one embodiment of the present invention. The first server 100 can be connected to a server 600 of a bank other than X Bank via the Internet, but is not limited to this. The server 600 may be any server that has a deposit account to which the account transfer is to be made. Also, if the server 600 is a server of X Bank, the first server 100 can also be connected via an intranet. The first storage unit 120 of the first server 100 stores the second deposit account data 122 of the second deposit account 820 as a database. The second storage unit 220 of the second server 200 stores the third deposit account data of the second deposit account 820 as a database.

When first server 100 receives an instruction to transfer funds from second deposit account 820 , first processing unit 110 extracts second deposit account data 122 from first storage unit 120 . Subsequently, the first processing unit 110 acquires the second balance information from the second deposit account data 122 and subtracts the designated amount from the second balance information. The second balance information of the second deposit account data 122 is rewritten with the calculated amount, and the second deposit account data including the rewritten second balance information is stored in the first storage unit 120 .

Furthermore, the first processing unit 110 generates processing completion data 410 indicating that the account transfer from the second deposit account 820 has been completed. The first server 100 transmits the processing completion data 410 to the information terminal 500 via the second server 200 . When the information terminal 500 receives the processing completion data 410, the application program 510 displays on the information terminal 500 that the account transfer from the second deposit account 820 has been completed.

Also, when the processing completion data 410 passes through the second server 200 , the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220 . Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222 and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten with the calculated amount, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220 .

When the application program 510 displays on the information terminal 500 that the account transfer from the second deposit account 820 has been completed, the application program 510 may also display information prompting the transfer from the first deposit account 810 to the second deposit account 820. can. By displaying such information together with the completion of account transfer, it is possible to prompt customer A to collect funds in the second deposit account 820, which is a savings account. In addition, the customer A can be encouraged to use the virtual account 900 to manage funds that are not used for the time being.

[4. Generation of Virtual Account in Second Deposit Account]
Customer A can use the application program 510 of the information terminal 500 to newly create a virtual account 900 linked to the second deposit account 820 . Application program 510 displays an icon for creating virtual account 900 on information terminal 500 . When customer A touches the icon, application program 510 displays a screen for entering the name of virtual account 900 . Customer A can enter a savings purpose such as "overseas travel", "domestic travel", "insurance", or "retirement" as the name of the virtual account 900 . Note that the name of the virtual account 900 is not limited to the purpose of saving, and can be freely entered. When customer A completes input of the name of the virtual account 900, the application program 510 displays a screen for inputting the designated amount. When customer A completes inputting the designated amount, the application program 510 starts a processing program for creating a virtual account 900 . Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for creating the virtual account 900 .

FIG. 8 is an example of a processing flow diagram for generating the first virtual account 910 using the account management system 10 according to one embodiment of the present invention. The virtual account 900 can create not only one folder but also a plurality of folders according to the purpose of saving. Since the creation of the first virtual account 910 is not a business transaction process, the first server 100 is not required. Therefore, the first server 100 is omitted in FIG. The second storage unit 220 of the second server 200 stores third deposit account data 222 of the second deposit account 820 and first virtual account data 225 of the first virtual account 910 as a database.

The second savings account 820 can be used not only for savings purposes, but also for consolidating funds that are not currently used. Therefore, in the virtual account 900, folders can be set not only for the purpose of saving but also for the purpose of managing aggregated funds.

The information terminal 500 transmits instructions regarding the setting of the first virtual account 910 and data regarding the name and designated amount to the second server 200 via the Internet. When the second server 200 receives the command, the second processing unit 210 generates a second virtual account containing at least identification information indicating that it is associated with the second deposit account 820, the name of the first virtual account 910, and the designated amount. Generate first virtual account data 225 for one virtual account balance information. Note that the first virtual account data 225 can also be associated with the third deposit account data. Subsequently, the second processing unit 210 causes the second storage unit 220 to store the generated first virtual account data 225 as a database. The second processing unit 210 also generates processing completion data 420 indicating that the first virtual account 910 linked to the second deposit account 820 has been generated. The second server 200 transmits the processing completion data 420 to the information terminal 500 . When the information terminal 500 receives the processing completion data 400, the application program 510 displays on the information terminal 500 that the first virtual account 910 has been created.

When the application program 510 displays on the information terminal 500 that the first virtual account 910 has been created, it can also display information related to the name of the first virtual account 910 . By displaying such information together with the creation of the first virtual account 910, the customer A's awareness of the purpose of saving can be enhanced. In addition, it is possible to encourage the customer A to manage the aggregated funds. Information related to the name of the first virtual account 910 can be registered in advance together with a keyword, extracted by similarity determination with the name of the first virtual account 910, and displayed. It is also possible to search the name of the first virtual account 910 on the Internet and extract and display sites with a high degree of similarity.

[5. Transfer from second deposit account to virtual account]
If virtual account 900 has already been created, customer A can transfer a specified amount from second deposit account 820 to virtual account 900 . Application program 510 displays icons of virtual accounts 900 (for example, first virtual account 910 and second virtual account 920) on information terminal 500 . When the customer A touches the first virtual account 910 icon, the application program 510 can display the input screen for the designated amount. When customer A completes inputting the designated amount, application program 510 starts a processing program for transferring money from second deposit account 820 to first virtual account 910 . Specifically, the application program 510 sends an instruction to the account management system 10 to execute a transfer processing program from the second deposit account 820 to the first virtual account 910 .

FIG. 9 is an example of a processing flow diagram of transfer from the second deposit account 820 to the first virtual account 910 using the account management system 10 according to one embodiment of the present invention. A transfer between the second deposit account 820 and the virtual account 900 is a virtual transaction process. That is, the transfer from the second deposit account 820 to the first virtual account 910 does not require the first server 100 . Therefore, the first server 100 is omitted in FIG. The second storage unit 220 of the second server 200 stores third deposit account data 222 of the second deposit account 820 and first virtual account data 225 of the first virtual account 910 as a database.

The information terminal 500 transmits an instruction regarding the transfer from the second deposit account 820 to the first virtual account 910 and data regarding the specified amount of money to the second server 200 via the Internet. In the second server 200 that received the command, the second processing unit 210 extracts the third deposit account data 222 and the first virtual account data 225 from the second storage unit 220 . Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222 and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten with the calculated amount, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220 . Also, the second processing unit 210 acquires the first virtual account balance information of the first virtual account 910 from the first virtual account data 225 and adds the designated amount to the first virtual account balance information. The first virtual account balance information of the first virtual account data 225 is rewritten to the calculated amount, and the first virtual account data 225 including the rewritten first virtual account balance information is stored in the second storage unit 220 as a database. be done.

Further, the second processing unit 210 generates processing completion data 430 indicating that the transfer from the second deposit account 820 to the first virtual account 910 has been completed. The second server 200 transmits the processing completion data 430 to the information terminal 500 . When the information terminal 500 receives the processing completion data 430, the application program 510 displays on the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 has been completed.

In the above explanation, the transfer from the second deposit account 820 to the first virtual account 910 was explained, but the transfer from the first virtual account 910 to the second deposit account 820 can also be performed. In this case, in the arithmetic processing in the second server 200, the second processing unit 210 subtracts the specified amount from the first virtual account balance information of the first virtual account data 225, and the third balance of the third deposit account data 222 Add the specified amount to the information.

When the application program 510 displays the completion of the transfer from the second deposit account 820 to the first virtual account 910 on the information terminal 500, the application program 510 can also display information related to the name of the first virtual account 910. FIG. By displaying such information together with the completion of the transfer from the second deposit account 820 to the first virtual account 910, the customer A's awareness of the saving purpose can be enhanced. In addition, the customer A can be encouraged to manage the funds collected by the customer A.

[6. Automatic transfer from the second deposit account to the virtual account accompanying the transfer from the first deposit account]
Customer A uses the application program 510 of the information terminal 500 to automatically transfer from the second deposit account 820 to the virtual account 900 when a transfer is made from the first deposit account 810 to the second deposit account 820. It can be set to perform transfer (automatic transfer). Application program 510 displays icons of virtual accounts 900 (for example, first virtual account 910 and second virtual account 920) on information terminal 500 . When customer A touches the first virtual account 910 icon, the application program 510 can display an automatic transfer selection screen. As a condition of the automatic transfer, for example, when the first specified amount of money is transferred from the first deposit account 810 to the second deposit account 820, the customer A transfers the money from the second deposit account 820 to the first virtual account 910. Set to transfer the second specified amount. The application program 510 registers the above conditions for automatic transfer in the account management system 10 . Further, when the transfer from the second deposit account 820 to the first virtual account 910 is completed, the application program 510 notifies the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 is completed. indicate.

FIG. 10 is an example of a processing flow diagram of automatic transfer from the second deposit account 820 to the first virtual account 910 accompanying the transfer from the first deposit account 810 using the account management system 10 according to one embodiment of the present invention. is. First storage unit 120 of first server 100 stores first deposit account data 121 of first deposit account 810 and second deposit account data 122 of second deposit account 820 . In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are stored as a database, and the automatic setting data 227 is stored as a database. remembered. The automatic setting data 227 includes at least information on the first virtual account 910 to which the transfer is to be made and the second specified amount of money. The automatic setting data 227 can also include identification information associated with the process completion data 400 as a condition for automatic transfer.

When first server 100 receives a transfer instruction from first deposit account 810 to second deposit account 820, first processing unit 110 transfers first deposit account data 121 and second deposit from first storage unit 120. Extract the account data 122 . Subsequently, the first processing unit 110 acquires the first balance information from the first deposit account data 121 and subtracts the first designated amount from the first balance information. The first balance information of the first deposit account data 121 is rewritten with the calculated amount, and the first deposit account data 121 including the rewritten first balance information is stored in the first storage unit 120 . Also, the first processing unit 110 acquires the second balance information from the second deposit account data 122 and adds the first designated amount to the second balance information. The second balance information of the second deposit account data 122 is rewritten with the calculated amount, and the second deposit account data 122 including the rewritten second balance information is stored in the first storage unit 120 .

Furthermore, the first processing unit 110 generates processing completion data 400 indicating that the transfer from the first deposit account 810 to the second deposit account 820 has been completed. The first server 100 transmits the processing completion data 400 to the information terminal 500 via the second server 200 .

When the processing completion data 400 passes through the second server 200 , the second processing section 210 of the second server 200 extracts the third deposit account data 222 from the second storage section 220 . Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222 and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten with the calculated amount, and the third deposit account data 222 including the rewritten second balance information is stored in the second storage unit 220 .

When the information terminal 500 receives the processing completion data 400, the application program 510 connects to the second server 200 via the Internet and performs automatic transfer based on the processing completion data 400. 2 It is determined whether or not automatic transfer is set on the condition that the transfer is made to the deposit account 820 . If the automatic transfer is set, the application program 510 starts the processing program corresponding to the automatic transfer. Here, since automatic transfer is set with the processing completion data 400 as a condition, the application program 510 causes the account management system 10 to execute a transfer processing program from the second deposit account 820 to the first virtual account 910. send an order to do so. Subsequent processing is described above [5. Transfer from the second deposit account to the virtual account], so the explanation is omitted here.

As a modification, when the first processing unit 110 generates the processing completion data 400 and the first server 100 transmits the processing completion data 400 to the second server 200, the second processing unit 210 of the second server It is also possible to determine whether automatic transfer is set with the processing completion data 400 as a condition.

[7. Automatic transfer from the virtual account to the second deposit account accompanying the account transfer of the second deposit account]
Customer A uses the application program 510 of the information terminal 500 to automatically transfer money from the virtual account 900 to the second deposit account 820 when the account is transferred from the second deposit account 820 (automatic transfer). can be set to do Application program 510 displays icons of virtual accounts 900 (for example, first virtual account 910 and second virtual account 920) on information terminal 500 . When the customer A touches the icon of the first virtual account 910, the application program 510 can display an automatic transfer selection screen. As a condition of the automatic transfer, the customer A requests that, for example, when the first designated amount is transferred from the second deposit account 820, the second designated amount is transferred from the first virtual account 910 to the second deposit account 820. set to perform The application program 510 registers the above conditions for automatic transfer in the account management system 10 . Also, when the account transfer from the second deposit account 820 is completed, the application program 510 displays on the information terminal 500 that the transfer from the first virtual account 910 to the second deposit account 820 is completed.

FIG. 11 is an example of a processing flow diagram of automatic transfer from the first virtual account 910 to the second deposit account 820 accompanying the account transfer of the second deposit account 820 using the account management system 10 according to one embodiment of the present invention. is. The first storage unit 120 of the first server 100 stores the second deposit account data 122 of the second deposit account 820 as a database. In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are stored as a database, and the automatic setting data 227 is stored as a database. remembered. The automatic setting data 228 includes at least information on the first virtual account 910, which is the transfer source, and the second designated amount. The automatic setting data 227 can also include identification information associated with the process completion data 410 as a condition for automatic setting.

When first server 100 receives an instruction to transfer funds from second deposit account 820 , first processing unit 110 extracts second deposit account data 122 from first storage unit 120 . Subsequently, the first processing unit 110 acquires the second balance information from the second deposit account data 122 and subtracts the designated amount from the second balance information. The second balance information of the second deposit account data 122 is rewritten with the calculated amount, and the second deposit account data including the rewritten second balance information is stored in the first storage unit 120 .

Furthermore, the first processing unit 110 generates processing completion data 410 indicating that the account transfer from the second deposit account 820 has been completed. The first server 100 transmits the processing completion data 410 to the information terminal 500 via the second server 200 .

Also, when the processing completion data 410 passes through the second server 200 , the second processing unit 210 of the second server 200 extracts the third deposit account data 222 from the second storage unit 220 . Subsequently, the second processing unit 210 acquires the third balance information from the third deposit account data 222 and subtracts the designated amount from the third balance information. The third balance information of the third deposit account data 222 is rewritten with the calculated amount, and the third deposit account data 222 including the rewritten third balance information is stored in the second storage unit 220 .

When the information terminal 500 receives the processing completion data 400 , the application program 510 connects to the second server 200 via the Internet and performs automatic transfer based on the processing completion data 410 . Determines whether or not automatic transfer is set with account transfer as a condition. If the automatic transfer is set, the application program 510 starts the processing program corresponding to the automatic transfer. Here, since automatic transfer is set with the processing completion data 410 as a condition, the application program 510 causes the account management system 10 to execute a transfer processing program from the first virtual account 910 to the second deposit account 820. send an order to do so. Subsequent processing is described above [5. Transfer from the second deposit account to the virtual account], so the explanation is omitted here.

[8. Deletion of the virtual account due to insufficient balance of the second deposit account]
Third balance information of the third deposit account data 222 of the second deposit account 820 managed by the second server 200 in the transfer from the second deposit account 820 to the first deposit account 810 and the account transfer from the second deposit account 820 is set, the application program 510 can notify that part or all of the virtual account 900 will be deleted. In that case, the application program 510 can display a selection screen for the virtual account 900 on the information terminal 500 . When customer A selects the first virtual account 910 to be deleted from the selection screen, the application program 510 starts the deletion processing program for the first virtual account 910 . Specifically, the application program 510 sends an instruction to the account management system 10 to execute a processing program for deleting the first virtual account 910 .

FIG. 12 is an example of a processing flowchart for deleting the first virtual account 910 due to insufficient balance of the second deposit account 820 using the account management system 10 according to one embodiment of the present invention. Since the management of the first virtual account 910 is performed by the second server 200, the deletion of the first virtual account 910 does not require the first server 100. FIG. Therefore, in FIG. 12, the first server 100 is omitted. The second storage unit 220 of the second server 200 stores third deposit account data 222 of the second deposit account 820 and first virtual account data 225 of the first virtual account 910 as a database.

The second server 200 receives the processing completion data 400 or the processing completion data 410 from the first server 100, and the second processing unit 210 of the second server 200 extracts the third bank account data 222 from the second storage unit 220. do. The second processing unit 210 generates negative balance information data 450 when a negative value is obtained by subtracting the designated amount from the third balance information of the third deposit account data 222 . The second server 200 transmits the negative balance information data 450 to the information terminal 500 . When the information terminal 500 receives the negative balance information data 450, the application program 510 displays on the information terminal 500 a selection screen asking whether to delete the virtual account 900 or not. If Customer A chooses to delete the first virtual account 910, the application program 510 sends an instruction regarding the deletion of the first virtual account 910 to the second server 200 via the Internet. When the second server 200 receives the command, the second processing section 210 deletes the first virtual account data 225 from the database of the second storage section 220 . The second processing unit 210 also generates processing completion data 440 indicating that the deletion of the first virtual account 910 has been completed. The second server 200 transmits the processing completion data 440 to the information terminal 500 . When the information terminal 500 receives the processing completion data 440, the application program 510 displays on the information terminal 500 that the deletion of the first virtual account 910 from the second deposit account 820 has been completed.

According to the account management system 10 according to this embodiment, the customer A manages the second deposit account 820 using the application program 510 of the information terminal 500, and the customer A uses the second deposit account 820. Able to plan savings or manage funds. In addition, since the virtual account 900 can be set in the second savings account 820, the purpose of saving or fund management can be clarified. Moreover, the second deposit account 820 is linked with the first deposit account 810 . Therefore, when customer A needs cash, he can transfer funds from the second deposit account 820 to the first deposit account 810 and withdraw from the first deposit account 810 . Therefore, the second deposit account 820 can also be used as a cashless deposit account.

As described above, in the first embodiment, the account management system 10 that uses bank accounts has been described, but the account management system according to one embodiment of the present invention can be used for other than bank accounts. For example, in an account management system that uses a securities account of a securities company, it is possible to set stock issues as virtual accounts and trade stocks up to the balance of each virtual account. At that time, by managing the second securities account linked to the first securities account, customer A can buy and sell stocks within the balance of the second securities account while protecting assets with the first securities account. It can be performed.

<Second embodiment>
An account management system according to an embodiment of the present invention different from the first embodiment will be described with reference to FIGS. 13 to 16. FIG. In the first embodiment, the configuration using the balance information of the deposit account has been described, but in the present embodiment, the configuration using the detail information of the deposit account will be described.

[1. Detail inquiry of the second deposit account]
Customer A can use the application program 510 of the information terminal 500 to inquire about the details of the second deposit account 820 . Application program 510 displays on information terminal 500 an icon for checking the statement of second deposit account 820 . When customer A touches the icon, the application program 510 starts a processing program for inquiry of the details of the second deposit account 820 . Specifically, the application program 510 sends an instruction to the account management system 20 to execute a statement inquiry processing program for the second deposit account 820 .

FIG. 13 is an example of a processing flow chart for inquiry of the details of the second deposit account 820 using the account management system 20 according to one embodiment of the present invention. In the following description, descriptions of configurations similar to those of the account management system 10 are omitted, and configurations different from those of the account management system 10 are mainly described.

The account management system 20 can be connected to the customer A's information terminal 500 via the Internet. In addition, the account management system 20 can be connected via the Internet to a PFM server 700 that provides PFM services for detailed information of the second deposit account 820 .

Account management system 20 includes a second server 200 . Although not shown, the account management system 20 can also include the first server 100 . The second server 200 includes a second processing section 210 , a second storage section 220 and a first acquisition section 230 . Second storage unit 220 stores first detailed data 231 of second deposit account 820 .

Like the second processing unit 210, the first acquisition unit 230 can read and execute programs necessary for processing. 700 can receive statement information of the second account 820 .

Information terminal 500 transmits a command for acquiring detailed information of second deposit account 820 to second server 200 via the Internet. The second server 200 that has received the command connects to the PFM server 700 via the Internet.

The application program 510 displays a screen for entering access information to the PFM server 700 on the information terminal 500 . The input of the access information by the customer A enables the second server 200 to access the PFM server 700, and the first acquisition unit 230 of the second server 200 obtains the statement information of the second deposit account 820 from the PFM server 700. and stores the detailed information of the second deposit account 820 in the second storage unit 220 as the first detailed data 231 . The first acquisition unit 230 acquires the detailed information of the second deposit account 820 from the PFM server 700. The second processing unit 210 extracts the necessary detailed information and converts the extracted detailed information into the first detailed data. 231 in the second storage unit 220 .

Regarding access to the PFM server 700, access information may be registered in the application program 510 in advance so that the input of the access information by the customer A can be omitted. In this case, second server 200 may periodically access PFM server 700 to extract detailed information of second account 820 and store first detailed data 231 in second storage unit 220 .

Second server 200 then transmits first detailed data 231 to information terminal 500 . Application program 510 displays first statement data 231 on information terminal 500 as statement information of second deposit account 820 . It is also possible to extract necessary information (for example, date, shop, amount of money, etc.) from the first detailed data 231 and display the information on the information terminal 500 as the detailed information of the second deposit account 820 .

The statement inquiry by application program 510 is not limited to second deposit account 820 . If customer A has a deposit account registered with the PFM service, it is possible to make a detailed inquiry using the application program 510 . For example, in addition to the first deposit account 810 and second deposit account 820 of X bank, it is also possible to inquire the details of deposit accounts of other banks.

Furthermore, statement inquiries using the application program 510 can be applied not only to account statements of deposit accounts, but also to usage statements of credit cards and point services.

The application program 510 can also display on the information terminal 500 information that the customer A is interested in accompanying the statement inquiry. Information in which customer A is interested can be acquired from the detailed information. For example, it is possible to obtain the product purchase history from the detailed information and provide the customer A with information related to the purchased product. In addition, it is possible to acquire common items from the detailed information of the deposit accounts that can receive the PFM service, including the second deposit account 820, and provide the customer A with information related to the items. Further, the customer A may be provided with product information on which a point service can be received. In this way, by providing the customer A with the information accompanying the statement inquiry, it is possible to raise the customer A's awareness of savings and encourage the customer A to manage funds.

It should be noted that the statement inquiry of the account management system 20 is not limited to the statement information of the second deposit account 820 . Acquisition of related information based on the detailed information of the second deposit account 820 will be described below as an example.

[2. Acquisition of related information based on detailed information of the second deposit account]
Customer A can use the application program 510 of the information terminal 500 to obtain the statement information of the second deposit account 820 and obtain information related to the statement information. Application program 510 displays on information terminal 500 an icon for checking the statement of second deposit account 820 . When customer A touches the icon, the application program 510 starts a processing program for inquiry of the details of the second deposit account 820 . Specifically, the application program 510 sends an instruction to the account management system 20 to execute a statement inquiry processing program for the second deposit account 820 .

FIG. 14 is an example of a processing flow chart for inquiry of the details of the second deposit account 820 using the account management system 20 according to one embodiment of the present invention. Information terminal 500 transmits a command for acquiring detailed information of second deposit account 820 to second server 200 via the Internet. The second server 200 that has received the command connects to the PFM server 700 via the Internet. The first acquisition unit 230 of the second server 200 acquires the detailed information of the second deposit account 820 from the PFM server 700 and stores the detailed information of the second deposit account 820 as the first detailed data 231 in the second storage unit 220. Memorize.

On the other hand, the second storage unit 220 stores first classification data 241 . The first classification data 241 includes one or more keywords and keyword-related information related to the keywords. Further, the keyword-related information is registered in association with the keyword. That is, if a keyword is selected, keyword-related information can be obtained.

The second processing unit 210 extracts the first detailed data 231 and the first classification data 241 from the second storage unit 220, and the keyword registered in the first classification data 241 is included in the first detailed data 231. Determine if the When a keyword is included in the first detailed data 231, the second processing unit 210 generates search result data 460 including the included keyword and keyword-related information. Second server 200 transmits search result data 460 to information terminal 500 . When the information terminal 500 receives the search result data 460, the application program 510 displays the detailed information of the second deposit account 820 on the information terminal 500. However, when the search result data 460 is generated, the keyword-related Information can also be displayed together.

Acquisition of related information by the application program 510 is not limited to the second deposit account 820 . If the customer A has a deposit account registered with the PFM service, the application program 510 can be used to obtain information related to the detailed information of the registered deposit account. For example, it is possible to acquire not only the first deposit account 810 and the second deposit account 820 of X bank, but also the related information of the detail information of the deposit accounts of other banks. It should be noted that, even if the deposit account is of another bank, it is possible to obtain related information of the deposit account statement information in the same manner as described above.

Since the customer A can obtain related information from the detailed information of the deposit account, it is possible to raise the awareness of the customer A about the purpose of savings and to encourage the customer A to manage funds.

[3. Acquisition of classification category based on detail information of second deposit account]
Customer A can use the application program 510 of the information terminal 500 to obtain detailed information on a plurality of deposit accounts and classify the detailed information by category. [1. Details inquiry of second deposit account], the details information of the second deposit account 820 is obtained. In addition, the detailed information of the first deposit account 810 can also be obtained in the same manner. The second storage unit 220 of the account management system 20 stores first detailed data 231 including detailed information of the first deposit account 810 and second detailed data 232 including detailed information of the second deposit account 820 .

Second classification data 242 is also stored in the second storage unit 220 . Keywords and categories are associated and registered in the second classification data 242 . That is, keywords can be determined to determine categories.

The second processing unit 210 extracts the first detailed data 231 and the second classified data 242 from the second storage unit 220, and the keyword registered in the first classified data 241 is included in the first detailed data 231. Determine if the When a keyword is included in the first detailed data 231, the second processing unit 210 generates first search result data 470 including the included keyword and the category associated with the keyword. Similarly, second search result data 480 is generated from second detailed data 232 and second classification data 242 . Second server 200 transmits first search result data 470 and second search result data 480 to information terminal 500 . When the information terminal 500 receives the search result data 460, the application program 510 generates detailed information classified by category based on the first search result data 470 and the second search result data 480, and displays it on the information terminal 500. . Note that the second processing unit 210 can also generate detailed information for each category.

[4. Automatic transfer to a virtual account using the detailed information of the second deposit account]
Customer A uses the application program 510 of the information terminal 500 to automatically transfer money from the second deposit account 820 to the virtual account 900 when the statement information of the second deposit account 820 is acquired (automatic transfer). can be set to do Application program 510 displays icons of virtual accounts 900 (for example, first virtual account 910 and second virtual account 920) on information terminal 500 . When customer A touches the first virtual account 910 icon, the application program 510 can display an automatic transfer selection screen. As a condition of the automatic transfer, for example, when the statement information of the second deposit account 820 is acquired and the statement information contains a specific keyword, the customer A transfers from the second deposit account 820 to the first virtual account 910. Set to transfer the specified amount. The application program 510 registers the above conditions for automatic transfer in the account management system 10 . Further, when the transfer from the second deposit account 820 to the first virtual account 910 is completed, the application program 510 notifies the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 is completed. indicate.

FIG. 16 is a processing flow diagram of automatic transfer from the second deposit account 820 to the first virtual account 910 accompanying the acquisition of the detailed information of the second deposit account 820 using the account management system 20 according to one embodiment of the present invention. is an example. In the second storage unit 220 of the second server 200, the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 are registered as a database. First detailed data 231 is stored. Note that the automatic setting data 227 includes at least information on the first virtual account 910 that is the transfer destination, the designated amount, and keywords.

Information terminal 500 transmits a command for acquiring detailed information of second deposit account 820 to second server 200 via the Internet. The second server 200 that has received the command connects to the PFM server 700 via the Internet. The first acquisition unit 230 of the second server 200 acquires the detailed information of the second deposit account 820 from the PFM server 700 and stores the detailed information of the second deposit account 820 as the first detailed data 231 in the second storage unit 220. Remember.

The second processing unit 210 extracts the first detailed data 231 and the automatic setting data 227 from the second storage unit 220, and the keyword registered in the automatic setting data 227 is included in the first detailed data 231. determine whether there is When the keyword is included in the first detailed data 231, the second processing unit 210 performs [5. Transfer from Second Deposit Account to Virtual Account] is executed. That is, transfer processing using the third deposit account data 222 of the second deposit account 820 and the first virtual account data 225 of the first virtual account 910 is performed. Second processing unit 210 also generates processing completion data 430 indicating that the transfer from second deposit account 820 to first virtual account 910 has been completed. The second server 200 transmits the processing completion data 430 to the information terminal 500 . When the information terminal 500 receives the processing completion data 430, the application program 510 displays on the information terminal 500 that the transfer from the second deposit account 820 to the first virtual account 910 has been completed.

[5. Modification]
FIG. 17 shows the configuration of an account management system 30 according to one embodiment of the invention. As shown in FIG. 17, account management system 30 includes second server 200 and third server 300 . The second server 200 includes a second processing section 210 and a second storage section 220 . The third server 300 includes a third processing section 310 and a third storage section 320 .

The second server 200 receives commands from the application program 510 of the information terminal 500 of the customer A and mainly executes virtual transaction processing of the second deposit account 820, as described in the first embodiment. can be done.

On the other hand, the third server 300 can perform a process of acquiring detailed information on the customer A's first account 810, second account 820, and third account 830. FIG. In the third server 300, the third storage unit 320 stores first detailed data 321 regarding detailed information of the first deposit account 810, second detailed data 322 regarding detailed information of the second deposit account 820, and third deposit account 830. It includes third detailed data 323 related to detailed information.

That is, the account management system 30 acquires the detailed information by the third server 300 and performs the processing using the detailed information or the balance information by the second server 200 .

According to the account management system 20 or 30 according to one embodiment of the present invention, the customer A uses the application program 510 of the information terminal 500 to obtain the detailed information of the deposit account or the usage detailed information of the credit card or point service. can do. Moreover, the customer A can obtain not only the detailed information but also related information related to the detailed information. Customer A can manage the second deposit account 820 based on the acquired detailed information, so that the second deposit account 820 can be used for systematic savings and the aggregated funds can be appropriately managed. Can be managed and operated.

<Third Embodiment>
An information providing system (or recommendation service system) according to an embodiment of the present invention will be described. The information providing system can provide the customer A with meaningful information for the purpose of saving by the customer A or management of fund management. The information providing system is not limited to the second deposit account 820, and can provide information obtained by analyzing information obtained by the PFM service. Therefore, as a recommendation service that can be provided by the information providing system, for example, it is possible to provide information on efficient savings methods, management, or operation, or information on products or services that are being considered for purchase. .

In the following, provision of recommendation information using the information provision system when customer A manages savings or fund management in the second deposit account 820 will be described.

The information providing system uses the second server 200 . That is, the second server 200 further includes an analysis unit, and the information providing system can generate recommendation information by the analysis unit included in the second server 200 .

The analysis unit obtains information related to Customer A's second savings account 820 . For example, the analysis section can acquire the first detailed data 231 of the second deposit account 820 from the second storage section 220 . The analysis unit can also acquire detailed information of the second deposit account 820 when accessing the PFM server 700 .

The analysis unit extracts frequently purchased products from the acquired first detailed data 231 (the detailed information of the second deposit account 820), and generates recommendation information containing content related to the extracted products or similar products. do. It should be noted that the products extracted from the first detailed data 231 are not limited to frequently purchased products, and for example, recently purchased products can be extracted. Moreover, what is extracted is not limited to products, and may be, for example, countries or cities.

In addition, the history of extracted information or recommendation information can be stored in the second storage unit 220 as customer A's information.

Additionally, the recommendation information may be generated to include content associated with the virtual account 900 name. For example, if the name of the virtual account 900 includes "overseas travel" or "domestic travel," the analysis unit can generate travel-related content as recommendation information. Further, for example, when the name of the virtual account 900 includes “old age”, the analysis unit can generate content regarding asset management for preparing funds for old age as recommendation information. That is, the analysis unit can generate information related to management of the balance of the second deposit account 820 . Note that the analysis unit may compare with a predetermined keyword and generate recommendation information linked to the keyword.

The generated recommendation information is transmitted to the information terminal 500 of the customer A, and the customer A can view the recommendation information. It should be noted that the display of the recommendation information on the information terminal 500 is not limited to display such as a message, and may be displayed by e-mail delivery, advertisement delivery, or the like.

According to the information providing system according to one embodiment of the present invention, it is possible to provide customer A with recommendation information based on management of customer A's savings or fund management. For example, when customer A manages savings or fund management in the second deposit account 820, the information providing system analyzes information related to the second deposit account 820 (details information or virtual account 900 information). Thus, it is possible to provide recommendation information related to management of customer A's savings or fund management. Therefore, the information providing system can provide a recommendation service that meets the customer A's intentions.

<Fourth Embodiment>
Another information providing system (or recommendation service system) according to one embodiment of the present invention, which is different from the third embodiment, will be described. The information providing system 50 can predict the future balance of the customer A's deposit account and provide the customer A with information based on the predicted balance of the deposit account. Specifically, the information providing system 50 can provide the customer A with the financial loan information of Bank X when the predicted balance of the deposit account is insufficient. In addition, when the predicted balance of the deposit account reaches a certain amount of savings, it is possible to provide customer A with financial product information of Bank X, such as an investment trust. The information providing system 50 according to the present embodiment can also provide a recommendation service based on the customer A's bank account, not limited to the second bank account 820, by using the information acquired by the PFM service. can.

In the following, provision of recommendation information using the information providing system 50 when the predicted balance of the deposit account of the customer A is insufficient will be described.

The information providing system 50 acquires the balance information of the deposit account of the customer A from the PFM server 700, and creates a transition pattern of accumulated past balance information of the deposit account. In addition, it acquires the detail information of customer A's bank account from the PFM server 700, and sums up the amount of the fixed account transfer. The future balance of the deposit account is calculated based on the balance information of the deposit account and the total amount of the fixed account transfer, but at that time, the regularity of the created balance information transition pattern is corrected. The regularity of the transition pattern includes, for example, periodic income other than account transfer, or the fluctuation amount of the balance in a specific month. The accuracy of predicting the balance of a deposit account is improved by making corrections based on the regularity of the transition pattern of balance information.

Furthermore, the information providing system 50 according to this embodiment can also predict the balance of the deposit account using machine learning. An information providing system 50 using machine learning will be described below with reference to FIG.

FIG. 18 is an example of a processing flow diagram using the information providing system 50 according to one embodiment of the present invention. As shown in FIG. 18, information providing system 50 includes server 1000 . Server 1000 includes acquisition unit 1010 , learning unit 1020 , and processing unit 1030 .

Note that the server of the information providing system 50 only needs to include the learning unit 1020 and may be the second server 200 or the third server 300 .

Acquisition unit 1010 can acquire information necessary for learning by learning unit 1020 . For example, the acquisition unit 1010 can acquire balance information and statement information of customer A's account from the PFM server 700 . The itemized information includes, for each item, the date, itemized content related to income or expense, and the amount of income or expense.

Learning unit 1020 constructs and learns first learning model 1021, second learning model 1022, and third learning model 1023 based on the detailed information acquired by acquisition unit 1010. FIG.

The first learning model 1021 can classify items of detailed information. Specifically, in the first learning model 1021, each item of detailed information is determined as regular information, which is regular income or expenditure, and non-regular information other than that, and is output. The learning unit 1020 learns the similarity of detailed information related to income or expenditure of detailed information. The learning unit 1020 determines the similarity of items of detailed information based on the learned similar patterns. In addition, the learning unit 1020 creates a first transition pattern indicating the transition of the interval between dates for items of detailed information determined to be similar. The learning unit 1020 creates first division patterns by dividing the first transition pattern into predetermined periods (for example, six months or one year), and learns the first division patterns. The learning unit 1020 performs similarity determination on the first split pattern, and outputs items determined to be similar as regular information and items determined to be dissimilar as non-periodic information.

The second learning model 1022 can predict the amount of money for the item of periodic information classified by the first learning model 1021 . The learning unit 1020 creates a second transition pattern indicating the transition of the amount for each item. The learning unit 1020 also creates second division patterns by dividing the second transition pattern into predetermined periods (for example, six months or one year), and learns the second division patterns. The learning unit 1020 predicts and outputs the future amount of money for each item of the periodic information based on the similarity of the first split pattern.

The third learning model 1023 can predict the amount of money for the item of non-periodic information classified by the first learning model 1021 . The learning unit 1020 totals the income and expenses of items classified as irregular information for each predetermined period (for example, January), and creates a third transition pattern indicating the transition of the totaled income and expenses. The learning unit 1020 also creates third division patterns by dividing the third transition pattern into predetermined periods (for example, six months or one year), and learns the third division patterns. The learning unit 1020 predicts and outputs the amount of future income and expenditure in the item of non-periodic information based on the similarity of the division patterns. In addition, in the third division pattern, if it can be determined that an item of sudden income and expenditure is included, it is possible to learn by removing that item. good.

In the processing unit 1030, the balance information acquired by the acquisition unit 1010, the future amount of money in each item of the regular information output by the second learning model 1022, and the future amount of money in the item of the non-periodic information output by the third learning model 1023 Calculate the future balance of the deposit account based on the amount of As a result, when it can be determined that the balance of the deposit account is insufficient, the processing unit 1030 generates insufficient balance data and recommendation information for resolving the insufficient balance. The recommendation information for resolving the insufficient balance is, for example, loan information of X Bank.

The generated insufficient balance data and recommendation information are transmitted to the information terminal 500 of the customer A, and the customer A can view the future balance of the deposit account and the recommendation information.

If a plurality of bank accounts of customer A are registered in the PFM server 700, the information providing system 50 can be applied to the plurality of accounts.

The information providing system 50 may apply machine learning to all of the classification, determination, and prediction, or may apply machine learning to part of the classification, determination, and prediction.

According to the information providing system 50 according to one embodiment of the present invention, the future balance of the deposit account of customer A is predicted, and recommendation information based on the future balance of the deposit account is provided to customer A. can be done. For example, it is possible to predict that the balance of the deposit account of the customer A will be insufficient, and to provide the customer A with recommendation information for resolving the shortage of the balance of the deposit account. Therefore, the customer A can solve the shortage of the balance of the deposit account in advance, and can stably manage the deposit account. In addition, when the future balance of customer A's deposit account reaches a certain amount, customer A can be provided with financial product information. Therefore, the customer A can manage the balance of the deposit account, make systematic savings, and manage the savings.

Each of the embodiments described above as embodiments of the present invention can be implemented in combination as appropriate as long as they do not contradict each other. In addition, based on each embodiment, a person skilled in the art appropriately adds, deletes, or changes the design of constituent elements, or adds, omits, or changes the conditions of steps, which also includes the gist of the present invention. is included in the scope of the present invention as long as

Even if there are other actions and effects different from the actions and effects brought about by each of the above-described embodiments, those that are obvious from the description of the present specification or those that can be easily predicted by those skilled in the art are, of course, the present invention. It is understood that it is brought about by

10, 20, 30: Account management system 50: Information providing system 100: First server 110: First processing unit 120: First storage unit 121: First deposit account data 122: Second deposit account data 200: second server 210: second processing unit 220: second storage unit 222: third deposit account data 225: first virtual account data 227, 228: automatic setting data 230: first Acquisition unit 231: first detailed data 241: first classified data 242: second classified data 300: third server 310: third processing unit 320: third storage unit 321: first detailed data , 322: Second detail data, 323: Third detail data, 400, 410, 420, 430, 440: Processing completion data, 450: Negative balance information data, 460: Search result data, 470: First search result data, 480: Second search result data 500: Information terminal 510: Application program 600: Server 700: PFM server 810: First deposit account 820: Second deposit account 830: Third deposit account 850: 860: Deposit account in the name of another person at X bank 870: Deposit account in a bank other than X bank 900: Virtual account 910: First virtual account 920: Second virtual account 1000: Server 1010: Acquisition Unit 1020: Learning Unit 1021: First Learning Model 1022: Second Learning Model 1023: Third Learning Model Processing Unit: 1030

Claims (2)

a first server that manages first account data including first balance information of a first account and second account data including second balance information of a second account linked with the first account;
Connected to the customer's information terminal, third account data including third balance information of the second account and virtual account data including virtual account balance information of one or more virtual accounts linked to the second account a second server that manages
The second account is transferable only with the first account,
The second server is an account management system that executes processing so that the amount obtained by adding the virtual account balance information to the third balance information matches the second balance information. In the first server, using the first balance information included in the first account data of the first account and the second balance information included in the second account data of the second account linked with the first account Execute the first arithmetic processing,
In the second server, third balance information included in the third account data of the second account, and virtual account balance information included in the virtual account data of one or more virtual accounts linked with the second account. An account management method for executing a second arithmetic process using
The second account is transferable only with the first account,
The account management method, wherein the second arithmetic processing is performed so that an amount obtained by adding the virtual account balance information to the third balance information matches the second balance information.

Images