JP7466477B2 - Program, information processing method, terminal, server - Google Patents

Description

This disclosure relates to an information processing method, a program, a terminal, and a server.

Patent Document 1 discloses a household accounting management server that calculates the total payment amount for each user and for each tabulation category each time a payment amount is registered from a payment input information terminal, and compares whether the total payment amount exceeds a budget value threshold. However, payment amounts that are not registered on the terminal cannot be managed by the household accounting management server.

Patent Publication 2009-75915

According to a first aspect of the present invention, a program executed by a terminal communicating with a server comprises: When a first control is executed to restrict usage of at least a portion of the electronic money in a first electronic money account associated with a user's bank account based on the establishment of a first condition, the terminal receives first information from the server via a communication unit of the terminal, and displays the amount of the electronic money that is the subject of the first control on a display unit of the terminal based on the first information.
According to a second aspect of the present invention, an information processing method of a terminal communicating with a server includes, when a first control is executed based on the establishment of a first condition to restrict usage of at least a portion of the electronic money in a first electronic money account associated with a bank account of a user of the terminal, receiving first information from the server by a communication unit of the terminal, and displaying the amount of the electronic money that is the subject of the first control on a display unit of the terminal based on the first information.
According to a third aspect of the present invention, a terminal communicating with a server includes a communication unit that receives first information from the server when a first control is executed to restrict usage of at least a portion of the electronic money in a first electronic money account associated with a bank account of a user of the terminal based on the establishment of a first condition, and a display unit that displays the amount of the electronic money that is the subject of the first control based on the first information.
According to a fourth aspect of the present invention, a program executed by a server in communication with a terminal, comprising: Based on the establishment of a first condition, the server executes, by a control unit of the server, a first control that restricts the use of at least a portion of the electronic money in a first electronic money account associated with the bank account of the user of the terminal, and transmits, by a communication unit of the server, first information based on the execution of the first control to the terminal.
According to a fifth aspect of the present invention, an information processing method of a server communicating with a terminal includes executing, by a control unit of the server, a first control that restricts usage of at least a portion of electronic money in a first electronic money account associated with a bank account of a user of the terminal based on the establishment of a first condition, and transmitting, by a communication unit of the server, first information based on the execution of the first control to the terminal.
According to a sixth aspect of the present invention, a server communicating with a terminal includes a control unit that executes a first control to restrict usage of at least a portion of the electronic money in a first electronic money account associated with a bank account of a user of the terminal based on the establishment of a first condition, and a communication unit that transmits first information based on the execution of the first control to the terminal.

FIG. 1 illustrates an example of a configuration of a communication system according to an embodiment. FIG. 4 is a diagram showing an example of household account book data according to the first embodiment. FIG. 4 is a diagram showing an example of household account book data according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 2 is a diagram showing an example of functions realized by a control unit of the household accounting server according to the first embodiment. FIG. 4 is a diagram showing an example of information stored in a storage unit of the household account book server according to the first embodiment. FIG. 4 is a diagram showing an example of user registration data according to the first embodiment. FIG. 4 is a diagram showing an example of a user management database according to the first embodiment. FIG. 2 is a diagram showing an example of functions realized by a control unit of the IMS money server according to the first embodiment. FIG. 2 is a diagram showing an example of information stored in a storage unit of the IMS money server according to the first embodiment. FIG. 2 is a diagram showing an example of an IMS money management database according to the first embodiment. FIG. 4 is a diagram showing an example of functions realized by a control unit of the terminal according to the first embodiment. FIG. 4 is a diagram showing an example of information stored in a storage unit of the terminal according to the first embodiment. 5 is a flowchart showing an example of a flow of a process executed by each device according to the first embodiment. 10 is a flowchart showing an example of the flow of an expenditure item estimation process according to the first embodiment. FIG. 4 is a diagram showing an example of a display screen of the terminal according to the first embodiment. FIG. 13 is a diagram showing an example of balance management data according to the second embodiment. FIG. 11 is a diagram showing an example of savings management data according to the second embodiment. FIG. 11 is a diagram showing an example of savings conditions and savings amounts according to the second embodiment. FIG. 11 is a diagram showing an example of a use permission condition according to the second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. 10 is a flowchart showing an example of a flow of processes executed by each device according to the second embodiment. 10 is a flowchart showing an example of a flow of processes executed by each device according to the second embodiment. 10 is a flowchart showing an example of a flow of processes executed by each device according to the second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment. FIG. 11 is a diagram showing an example of savings management data according to the second embodiment. FIG. 11 is a diagram showing an example of a display screen of a terminal according to a second embodiment.

<Compliance with legal matters>
It should be noted that the disclosures described herein are subject to compliance with the laws of the country of implementation, such as communications secrecy, as necessary for the implementation of the disclosure.

An embodiment for implementing the information processing method and the like according to the present disclosure will be described with reference to the drawings.

[System configuration]
FIG. 1 is a diagram illustrating an example of a configuration of a communication system 1 according to an embodiment of the present disclosure.
As disclosed in FIG. 1, in the communication system 1, a household accounting server 10, terminals 20 (terminal 20A, terminal 20B, terminal 20C, ...), an IMS money server 40, a bank server 50, and a commercial transaction system 60 are connected via a network 30.

The household accounting server 10 provides a service of providing an application related to the household accounting of the terminal 20 or the user of the terminal 20 (hereinafter referred to as a "household accounting application") to the terminal 20 owned by the user via the network 30. The household accounting server 10 also communicates with the terminal 20 and manages the household accounting data of the terminal 20 or the user of the terminal 20. Note that there is no limit to the number of terminals 20 connected to the network 30.

The network 30 serves to connect one or more terminals 20, one or more household accounting servers 10, one or more IMS money servers 40, one or more bank servers 50, and one or more commercial transaction systems 60. In other words, the network 30 refers to a communication network that provides a connection path so that the above various devices can connect and then send and receive data.

One or more portions of network 30 may or may not be wired or wireless. Network 30 may include, by way of example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, integrated service digital networks (ISDN), wireless LAN, long term evolution (LTE), code division multiple access (CDMA), Bluetooth, satellite communications, or the like, or a combination of two or more thereof. Network 30 may include one or more networks 30.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (not limited to, an example of a terminal or information processing device) may be any terminal that can realize the functions described in each embodiment. Examples of the terminal 20 include, but are not limited to, a smartphone, a mobile phone (feature phone), a computer (not limited to, for example, a desktop, laptop, tablet, etc.), a media computer platform (not limited to, for example, a cable or satellite set-top box, a digital video recorder), a handheld computer device (not limited to, for example, a PDA (personal digital assistant), an email client, etc.), a wearable device (a glasses-type device, a watch-type device, etc.), or another type of computer or communication platform. The terminal 20 may also be expressed as an information processing terminal.

Because the configurations of terminals 20A, 20B, and 20C are basically the same, the following description will focus on terminal 20. In addition, as necessary, the terminal used by user X will be referred to as terminal 20X, and user information in a specified service associated with user X or terminal 20X will be referred to as user information X. Note that user information is information about a user associated with an account used by the user in a specified service. User information includes, by way of example and without limitation, information associated with a user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by a specified service, and may be any one or a combination of these, or may not be the same.

The household accounting server 10 (not limited to, an example of a server, information processing device, or information management device) has a function of providing a household accounting service as a predetermined service to the terminal 20. The household accounting server 10 may be any device that is an information processing device that can realize the functions described in each embodiment. The household accounting server 10 includes, not limited to, a server device, a computer (not limited to, for example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited to, for example, a cable or satellite set-top box, a digital video recorder), a handheld computer device (not limited to, for example, a PDA, an email client, etc.), or other types of computers or communication platforms. The household accounting server 10 may also be expressed as an information processing device. When there is no need to distinguish between the household accounting server 10 and the terminal 20, the household accounting server 10 and the terminal 20 may or may not be expressed as information processing devices.

The IMS money server 40 (not limited to, an example of a server, information processing device, or information management device) has a function of managing electronic currency owned by the terminal 20 or the user of the terminal 20. The IMS money server 40 may be any device that can realize the functions described in each embodiment as an information processing device. The IMS money server 40 includes, not limited to, a server device, a computer (not limited to, for example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited to, for example, a cable or satellite set-top box, a digital video recorder, etc.), a handheld computer device (not limited to, for example, a PDA, an email client, etc.), or other types of computers or communication platforms. The IMS money server 40 may also be expressed as an information processing device. When there is no need to distinguish between the IMS money server 40 and the terminal 20, the IMS money server 40 and the terminal 20 may or may not be expressed as information processing devices.

The household accounting server 10 and the IMS money server 40 may or may not be configured as a single server.

In addition, in this embodiment, as an example and not a limitation, the business operator that operates the household accounting server 10 and the IMS money server 40 is the same business operator (e.g., company "X"). The business operator that operates the household accounting server 10 and the IMS money server 40 is also assumed to be affiliated with the business operator that operates the bank server 50 (the bank business operator) and the business operator that operates the commercial transaction system 60 (the store business operator).

By way of example and not limitation, the IMS money server 40 performs payment processing based on payment information sent from the terminal 20 and payment information sent from the transaction system 60 when the user of the terminal 20 performs the above-mentioned electronic commerce or purchases a product at a physical store.

For example, when a user of terminal 20 purchases a product at a physical store, one method is for IMS money server 40 to generate a two-dimensional code for payment (e.g., a QR code (registered trademark)) based on two-dimensional code generation request information sent from terminal 20 and send it to terminal 20. Then, the user of terminal 20 displays the two-dimensional code received from IMS money server 40 on display unit 24 of his/her own terminal 20, and has it read by a code reader device possessed by the store's commercial transaction system 60. Then, information related to the payment is sent from the store's code reader device to IMS money server 40, and IMS money server 40 performs payment processing based on the information related to the payment received from the code reader device.

As another method, when purchasing an item, the user of terminal 20 reads a two-dimensional code (e.g., a QR code) for payment that is displayed, for example, at the front of a store or near a cash register, with a code reader in the application on the user's terminal 20. The user then decodes the data from the read two-dimensional code to obtain payment-related information, which is then transmitted from the user's terminal 20 to the IMS money server 40. The IMS money server 40 then performs payment processing based on the payment-related information transmitted from the terminal 20.

The bank server 50 is installed in a bank that is affiliated with the household accounting service provider, and manages various information including, for example and not limitation, bank account information of the bank's customers (for example and not limitation, account numbers, account balances, etc.).

The commercial transaction system 60 is, for example and without limitation, an electronic commerce (EC) system (for example and without limitation, a system including an EC server that provides an EC website (EC site)) operated by a business operator affiliated with the business operator of the household accounting service, through which the terminal 20 purchases products and the like through EC, and a POS (Point Of Sale) system introduced in a physical store where the user of the terminal 20 purchases products and the like.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) Terminal HW Configuration FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I/F (interface) 22, an input/output unit 23, a display unit 24, a microphone 25, a speaker 26, a camera 27, a clock unit 29A, a position calculation information detection unit 29B, and a beacon signal receiving unit 29C. The HW components of the terminal 20 are connected to each other via a bus B, for example and not for limitation. It is not essential that the HW configuration of the terminal 20 includes all of the components. For example and not for limitation, the terminal 20 may or may not be configured such that individual components, such as the microphone 25, the camera 27, or multiple components, are removable.

The communication I/F 22 transmits and receives various data via the network 30. The communication may be wired or wireless, and any communication protocol may be used as long as the communication between the devices is possible. The communication I/F 22 has a function of communicating with various devices such as the household ledger server 10 and the IMS money server 40 via the network 30. The communication I/F 22 transmits various data to the various devices such as the household ledger server 10 and the IMS money server 40 according to instructions from the control unit 21. The communication I/F 22 also receives various data transmitted from the various devices such as the household ledger server 10 and the IMS money server 40, and transmits it to the control unit 21. The communication I/F 22 may also be simply referred to as a communication unit. When the communication I/F 22 is configured as a physically structured circuit, it may also be referred to as a communication circuit.

The input/output unit 23 includes a device for inputting various operations to the terminal 20, and a device for outputting the results of processing performed by the terminal 20. The input/output unit 23 may be an integrated input unit and an output unit, or may be separate input unit and output unit, or may not be.

The input unit is realized by any one or combination of all types of devices that can accept input from a user and transmit information related to the input to the control unit 21. Examples of the input unit include, but are not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operational input via moving images), and a microphone (operational input via sound (including voice)).

The output unit is realized by any one or a combination of any type of device capable of outputting the results of processing by the control unit 21. Examples of the output unit include, but are not limited to, a touch panel, a touch display, a speaker (sound output), a lens (for example, but not limited to, 3D (three dimensions) output and hologram output), a printer, etc.

The display unit 24 is realized by any one of all types of devices or a combination thereof that can display according to the display data written to the frame buffer. Examples of the display unit 24 include, but are not limited to, touch panels, touch displays, monitors (examples, but are not limited to, liquid crystal displays and organic electroluminescence displays (OLEDs)), head mounted displays (HDMs), projection mapping, holograms, devices that can display images, text information, etc. in air (which may or may not be a vacuum). Note that these display units 24 may or may not be capable of displaying display data in 3D.

If the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged facing each other and have approximately the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20, and outputs time information (timekeeping information). The clock unit 29A is configured to have, for example and without limitation, a clock using a quartz oscillator, a clock using the NITZ (Network Identity and Time Zone) standard, etc. The clock unit 29A can also be expressed as a timekeeping unit or a time information detection unit, for example and without limitation.

The position calculation information detection unit 29B is a functional unit that detects (measures) information (hereinafter referred to as "position calculation information") necessary for the control unit 21 to calculate (measure) the position of its own terminal 20. The position calculation information detection unit 29B can also be expressed as a position calculation sensor unit, for example and without limitation.

The position calculation information detection unit 29B includes, by way of example and not limitation, a satellite positioning sensor (satellite positioning unit) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System), and an inertial measurement sensor (inertial measurement unit (IMU)) which is a sensor or unit for calculating the position of the terminal 20 using an inertial navigation system.

The satellite positioning unit includes, by way of example and not limitation, an RF receiving circuit that converts RF (Radio Frequency) signals, including positioning satellite signals transmitted from positioning satellites and received by an antenna (not shown), into digital signals, and a baseband processing circuit that performs correlation calculation processing or the like on the digital signals output from the RF receiving circuit to capture the positioning satellite signals, and outputs information such as satellite orbit data and time data extracted from the positioning satellite signals as information for position calculation.

The inertial measurement unit has an inertial sensor that detects information necessary to calculate the position of the terminal 20 by inertial navigation calculation. Examples of inertial sensors include, but are not limited to, a three-axis acceleration sensor and a three-axis gyro sensor, and output the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor as information for position calculation.

The beacon signal receiving unit 29C has a receiving circuit that receives a beacon signal transmitted from a beacon (beacon transmitter), which is a type of wireless device installed in a store to which the commercial transaction system 60 is applied, and a signal processing circuit that outputs the store's location information obtained by decoding data from the received beacon signal.

The control unit 21 has circuitry that is physically structured to execute functions realized by the code or instructions contained in the program, and is realized, for example and without limitation, by a data processing device built into hardware. As such, the control unit 21 may or may not be described as a control circuit.

The control unit 21 may include, by way of example and not limitation, a central processing unit (CPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), and a field programmable gate array (FPGA).

The storage unit 28 has a function of storing various programs and various data required for the operation of the terminal 20. The storage unit 28 includes, by way of example and not limitation, various storage media such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, a random access memory (RAM), and a read only memory (ROM). In addition, the storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the memory unit 28, and by executing this program P, the control unit 21 executes the processing of each unit included in the control unit 21. In other words, the program P stored in the memory unit 28 causes the terminal 20 to realize each function executed by the control unit 21. Furthermore, this program P may or may not be expressed as a program module.

The microphone 25 is used to input sound data. The speaker 26 is used to output sound data. The camera 27 is used to acquire video data.

(2) HW Configuration of the Household Accounting Server FIG. 1 shows an example of the HW configuration of the household accounting server 10. As shown in FIG.
The household accounting server 10 includes a control unit 11 (CPU), a memory unit 15, a communication I/F 14 (interface), an input/output unit 12, a display 13, and a clock unit 19. The components of the HW of the household accounting server 10 are connected to each other via a bus B, by way of example and not of limitation. It is not essential that the HW of the household accounting server 10 includes all of the components as the configuration of the HW of the household accounting server 10. By way of example and not of limitation, the HW of the household accounting server 10 may or may not be configured such that the display 13 is detachable.

The control unit 11 has circuitry that is physically structured to execute functions realized by the code or instructions contained in the program, and is realized, for example and without limitation, by a data processing device built into the hardware.

The control unit 11 is typically a central processing unit (CPU), but may also be a microprocessor, a processor core, a multiprocessor, an ASIC, or an FPGA, or may not be such a unit. In this disclosure, the control unit 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data required for the operation of the household accounting server 10. The storage unit 15 is realized by various storage media such as a HDD, SSD, and flash memory. However, in this disclosure, the storage unit 15 is not limited to these. Furthermore, the storage unit 15 may or may not be expressed as a memory.

The communication I/F 14 transmits and receives various data via the network 30. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 14 has a function of performing communication with various devices such as the terminal 20 via the network 30. The communication I/F 14 transmits various data to various devices such as the terminal 20 according to instructions from the control unit 11. The communication I/F 14 also receives various data transmitted from various devices such as the terminal 20 and transmits it to the control unit 11. The communication I/F 14 may also be simply referred to as a communication unit. When the communication I/F 14 is composed of a physically structured circuit, it may also be referred to as a communication circuit.

The input/output unit 12 is realized by a device that inputs various operations to the household accounting server 10. The input/output unit 12 is realized by any of all types of devices or a combination thereof that can accept input from a user and transmit information related to the input to the control unit 11. The input/output unit 12 is typically realized by hardware keys such as a keyboard, or a pointing device such as a mouse. Note that the input/output unit 12 may or may not include, but is not limited to, a touch panel, a camera (operation input via moving images), or a microphone (operation input via sound). However, in the present disclosure, the input/output unit 12 is not limited to these.

The display 13 is typically realized by a monitor (for example, but not limited to, a liquid crystal display or an organic electroluminescence display (OELD)). The display 13 may or may not be a head mounted display (HDM) or the like. These displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, the display 13 is not limited to these.

The clock unit 19 is a built-in clock of the household accounting server 10, and outputs time information (timekeeping information). The clock unit 19 is configured to include, for example and not limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, etc. The clock unit 19 can also be expressed as, for example and not limitation, a timekeeping unit or a time information detection unit.

(3) HW Configuration of IMS Money Server FIG. 1 shows an example of the HW configuration of the IMS money server 40. As shown in FIG.
The IMS money server 40 includes a control unit 41 (CPU), a memory unit 45, a communication I/F 44 (interface), an input/output unit 42, a display 43, and a clock unit 49. By way of example and not of limitation, the components of the HW of the IMS money server 40 are connected to each other via a bus B. It is not essential that the HW of the IMS money server 40 includes all the components as the configuration of the HW of the IMS money server 40. By way of example and not of limitation, the HW of the IMS money server 40 may or may not be configured such that the display 43 is detachable.
In addition, since each functional unit of the IMS money server 40 can be configured similarly to the household accounting server 10, as an example and not a limitation, a description thereof will be omitted.

(4) Others The household accounting server 10 stores the program P in the storage unit 15, and by executing this program P, the control unit 11 executes the processes of each unit included in the control unit 11. In other words, the program P stored in the storage unit 15 causes the household accounting server 10 to realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each embodiment of the present disclosure, the description will be given assuming that the CPU of the terminal 20 and/or the household accounting server 10 executes the program P to realize the present invention.
The same applies to other devices.

The control unit 21 of the terminal 20 and/or the control unit 11 of the household accounting server 10 may or may not realize each process by a CPU having a control circuit, but may also realize each process by a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or a dedicated circuit. These circuits may or may not be realized by one or more integrated circuits, and the multiple processes shown in each embodiment may or may not be realized by one integrated circuit. Furthermore, LSIs are sometimes called VLSIs, super LSIs, ultra LSIs, etc., depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same applies to other devices.

In addition, the program P (which may be, for example and not limited to, a software program, computer program, or program module) of each embodiment of the present disclosure may or may not be provided in a state stored in a computer-readable storage medium. The storage medium is capable of storing the program P in a "non-transitory tangible medium." The program P may or may not be for realizing part of the functions of each embodiment of the present disclosure. Furthermore, the program P may or may not be a so-called difference file (difference program) that can realize the functions of each embodiment of the present disclosure in combination with a program P already recorded in a storage medium.

The storage medium may include one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, a field programmable gate array (FPGA) or an application specific IC (ASIC)), a hard disk drive (HDD), a hybrid hard drive (HHD), an optical disk, an optical disk drive (ODD), a magneto-optical disk, a magneto-optical drive, a floppy diskette, a floppy disk drive (FDD), a magnetic tape, a solid state drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or a suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, as appropriate. It should be noted that the storage medium is not limited to these examples and may be any device or medium capable of storing the program P. Also, the storage medium may or may not be referred to as a memory.

The household accounting server 10 and/or the terminal 20 can realize the functions of the multiple functional units shown in each embodiment by reading out a program P stored in a storage medium and executing the read out program P.
The same applies to other devices.

Furthermore, the program P of the present disclosure may or may not be provided to the household accounting server 10 and/or the terminal 20 via any transmission medium capable of transmitting a program (such as a communication network or broadcast waves). The household accounting server 10 and/or the terminal 20 executes the program P downloaded via the Internet or the like, by way of example and not of limitation, to realize the functions of the multiple functional units shown in each embodiment.
The same applies to other devices.

Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which the program P is embodied by electronic transmission.
At least a part of the processing in the household accounting server 10 and/or the terminal 20 may or may not be realized by cloud computing consisting of one or more computers.
At least a part of the processing in the terminal 20 may or may not be performed by the household accounting server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the household accounting server 10.
At least a part of the processing in the household accounting server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the household accounting server 10 may or may not be performed by the terminal 20.
Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not essential, and a specified process may or may not be executed when the judgment condition is satisfied, or a specified process may or may not be executed when the judgment condition is not satisfied.

The programs disclosed herein are implemented using, by way of example and not limitation, scripting languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5.

First Example
A first example as one aspect of this embodiment will be described below.

In recent years, network services such as IMS and SNS (Social Networking Service) have become popular.
"IMS" is a service that allows users of communication devices to send and receive messages between each other to communicate over the Internet. In this specification, the term "IMS" is used, which is an abbreviation for instant messaging service, but in a broad sense it refers to messaging services in general and is not limited to instant messaging services.
"SNS" is a service that forms a social network or community on the Internet, mainly for the purpose of communication between users of communication devices. It can also be said that IMS is one form of SNS. Therefore, IMS and SNS may or may not be distinguished from each other.

In addition, in relation to these network services, application software for managing a user's household account book (hereinafter simply referred to as a "household account book application") and application software for making electronic payments (hereinafter simply referred to as a "payment application") are becoming more widespread, and users of terminal 20 are able to receive services using these applications.

The embodiments described below are, by way of example and not limitation, an embodiment relating to an information processing method for displaying income information or expenditure information of a user of terminal 20 in a display area of terminal 20 in a household accounting application that is provided by an IMS operator and is available to a user of terminal 20 as a function of IMS application software (hereinafter simply referred to as an "IMS application") or as an application that works in conjunction with an IMS application.
The contents of the first embodiment are also applicable to the other embodiments.

Note that the home accounting application and the payment application do not necessarily have to be applications provided by an IMS operator. The home accounting application and the payment application may or may not be applications provided by an operator other than the IMS operator.

FIG. 2A is a diagram showing an example of household account book data for explaining the principle of household account book management in this embodiment.
In this household accounting data 1551, for example and without limitation, the following are stored in association with each other: "Update date and time" which is the date and time when the household accounting data 1551 was updated, "Income" which is information on the income of the user of terminal 20, "Expenses" which is information on the expenditure of the user of terminal 20, "Bank account" which is information on the bank account of the user of terminal 20, "Estimated funds" which is information on estimated funds possessed by the user of terminal 20, and "Money possessed" which is information on actual funds possessed by the user of terminal 20. In this embodiment, this household accounting data 1551 is stored and managed in the memory unit 15 of the household accounting server 10.

The update date and time is stored as the date and time based on the timing information of the clock unit 19 at the time when the conditions for the household accounting server 10 to update the household accounting data 1551 (hereinafter referred to as the "update conditions") are met.

For each income, a "category", an "income amount", and an "update method" are stored in association with each other, but are not limited thereto.
A category is an item of income (hereinafter referred to as an "income item" as appropriate), and includes, by way of example and not limitation, "income" which is regular income, and "extraordinary income" which is extraordinarily income.
The amount of income is the amount obtained from the income.
The update method is the method by which the household accounting server 10 updated the income amount corresponding to that income, and includes, but is not limited to, "scraping" and "user input" as examples.

Scraping is a computer software technique (a typical example is web scraping) for extracting information from other devices or websites. In this embodiment, the household accounting server 10 performs a scraping process to extract information about the bank account of the user of the terminal 20 from the bank server 50 (including information about deposits to the bank account/information about withdrawals from the bank account), and also performs a process to extract information about the purchase history of products, etc., made by the user of the terminal 20 on an EC site provided by, for example, an electronic commerce server (e.g., an EC server) in the commerce system 60.

The expenditure is stored in association with a category, an expenditure amount, and an update method.
The category is the item of the expenditure (hereinafter referred to as "expense item" as appropriate), and as non-limiting examples, account items such as "food expenses,""culture/education,""communicationexpenses,""entertainmentexpenses," and "transportation expenses" are stored.
The expenditure amount is the amount consumed for that expenditure.
The update method is the method by which the household accounting server 10 updated the expenditure amount corresponding to the expenditure, and includes, but is not limited to, “receipt photography,” “scraping,” “user input,” and “estimation.”

Receipt photography is a method in which a user of terminal 20 uses a camera provided as a function of the household accounting application of the user's terminal 20 (hereinafter referred to as the "application camera"), or a camera 27 provided as a function of terminal 20, to photograph a receipt issued when the user purchases a product, etc., and the household accounting server 10 analyzes the photographed image sent from terminal 20 and updates the expenditure category and expenditure amount.

Scraping is a method in which the household accounting server 10 performs a scraping process to extract information about expenditures from the bank account of the user of the terminal 20 and update the expenditure categories and expenditure amounts.

User input is a method in which the user of the terminal 20 directly inputs information about expenditures into the household accounting application of the terminal 20, and the household accounting server 10 updates the expenditure category and expenditure amount based on the input information sent from the terminal 20.

The estimated funds are the estimated funds held by the user of the terminal 20, estimated by the household accounting server 10 at each update date and time of the household accounting data 1551.

The amount of money on hand is the amount of money the user actually has on hand (the amount of cash in the user's own wallet) that is entered by the user in the household accounting application on his/her terminal 20.

In the household accounting data 1551 illustrated in FIG. 2-1, for example, at the update date and time "2019/1/25 9:00", the income column stores the category "income", the income amount "300,000", and the update method "scraping". In addition, the bank account column stores the deposit "300,000 (salary)" and the bank account balance "355,000".
This indicates that "300,000 yen" was deposited into the bank account of the user of terminal 20 as their salary, causing the bank account balance to become "355,000 yen," and that the household accounting server 10 performed a scraping process on the bank account of the bank server 50, resulting in the data being updated in the income column of household accounting data 1551, with "income" stored as the category, "300,000 yen" as the income amount, and "scraping" stored as the update method.

The estimated funds column at this point is "0." This indicates that the household account book server 10 has estimated the user's funds to be "0 yen" based on the fact that the funds previously entered by the user have become 0 due to updates to income information or expenditure information through scraping.

For example, at the update date and time "2019/1/25 12:00", the bank account column stores the withdrawal "10,000 (ATM)", the bank account balance "345,000", and the estimated amount of money on hand is "10,000".
This indicates that the user of the terminal 20 has withdrawn "10,000 yen" as cash from the bank's automatic teller machine (ATM), and the bank account balance has been updated to "345,000 yen." The household accounting server 10 performs a scraping process on the bank account of the bank server 50, and the household accounting server 10 identifies the history of withdrawals from the bank account, making it possible to update the estimated amount of money held. Although the withdrawal of cash from a bank account does not fall under either "income" or "expenses," the estimated amount of money held has been updated from "0" to "10,000" as a result of the withdrawal from the bank account.

For example, at the update date and time "2019/1/25 12:45", the category "food expenses", the expenditure amount "1,000", and the update method "receipt photography" are stored in the expenditure column. Also, at the same update date and time, the category "culture/education", the expenditure amount "500", and the update method "receipt photography" are stored in the expenditure column.
This indicates that the user of terminal 20 took a photograph of the receipt received from the store when spending "1,000 yen" for food and "500 yen" for culture and education expenses such as books with the application camera of terminal 20 and transmitted it from terminal 20 to household account book server 10, and thus the household account book server 10 updated the data by storing "food" as the category, "1,000 yen" as the expenditure amount, and "photographing receipt" as the update method in the expenditure column of household account book data 1551, and further updated the data by storing "culture and education" as the category, "500 yen" as the expenditure amount, and "photographing receipt" as the update method. As a result of updating the expenditure amount by photographing the receipt, the estimated cash on hand is updated from "10,000" to "8,500".

For example, at the update date and time "2019/1/25 15:00", the expenditure column stores the category "communication expenses", the expenditure amount "12,000", and the update method "scraping", and the bank account column stores the withdrawal "12,000 (communication expenses)", the bank account balance "333,000", and the estimated cash on hand is "8,500".
This indicates that the bank account balance has been updated to "333,000 yen" as a result of "12,000 yen" being automatically deducted from the bank account as communication expenses. The household accounting server 10 performs a scraping process on the bank account of the bank server 50, and the household accounting server 10 identifies the history of withdrawals from the bank account, making it possible to update the expenditure category and expenditure amount. The deduction of fees from a bank account corresponds to "expenses," but since this was not paid with cash that the user possesses, the estimated amount on hand remains "8,500."

The estimated amount of money estimated by the household accounting server 10 at the update date and time "2019/1/25 15:00" is "8,500 yen", and this estimated amount of money has not changed at the update date and time "2019/1/25 18:30". For example, assume that at the update date and time "2019/1/25 18:30", the user of the terminal 20 inputs "8,500 yen" as the amount of money on hand. In this case, since the estimated amount of money and the actual amount of money match, the household accounting server 10 determines that the amount of money on hand is OK (the estimated amount of money on hand is correct). As a result, "8,500" and "◯" are stored in the estimated amount of money column at the update date and time "2019/1/25 18:30".

For example, at the update date and time "2019/1/26 12:00", the income column stores the category "extra income", the income amount "20,000", and the update method "user input".
This indicates that the user of terminal 20 received 20,000 yen in cash as a bonus or other unexpected income, and entered that amount into the household accounting application, and thus the household accounting server 10 updated the data by storing "unexpected income" as the category, "20,000 yen" as the income amount, and "user input" as the update method in the income column of household accounting data 1551. As a result of this update of the income amount by user input, the estimated cash on hand has been updated from "8,500" to "28,500".

For example, at the update date and time "2019/1/26 20:00", the category "entertainment expenses", the expenditure amount "3,000", and the update method "user input" are stored in the expenditure column.
This indicates that the user of terminal 20 spent "3,000 yen" as entertainment expenses and entered that amount in the household accounting application, and thus the household accounting server 10 updated the data by storing "entertainment expenses" as the category, "3,000 yen" as the expenditure amount, and "user input" as the update method in the expenditure column of household accounting data 1551. As a result of this update of the expenditure amount by user input, the estimated cash on hand has been updated from "28,500" to "25,500".

The estimated amount of money estimated by the household accounting server 10 at the update date and time "2019/1/26 20:00" is "25,500 yen", and this estimated amount of money has not changed at the update date and time "2019/1/26 22:00". For example, assume that at the update date and time "2019/1/26 22:00", the user of the terminal 20 inputs "25,000 yen" as the amount of money on hand. In this case, the estimated amount of money on hand and the actual amount of money do not match, and there is a difference of 500 yen, so the household accounting server 10 determines that the amount of money on hand is NG (the estimated amount of money on hand is incorrect). As a result, "x" is stored in the estimated amount of money column at the update date and time "2019/1/26 22:00" along with "25,500".

In this case, since the estimated amount of money on hand and the actual amount of money on hand do not match, the household account book server 10 executes an expenditure item estimation process (described in detail below) to estimate what expenditure item caused the difference between the estimated amount of money on hand and the actual amount of money on hand (the amount equivalent to the error between the estimated amount of money on hand and the actual amount of money on hand). As a result, it is estimated that the expenditure item is "transportation expenses" and that the difference of 500 yen was caused by the expenditure of transportation expenses. Based on this estimation result, the expenditure column stores "transportation expenses" as the category, "500" as the expenditure amount, and "estimated" as the update method.

If the user of terminal 20 has actually spent the difference of 500 yen as the estimated expenditure item "transportation expenses," the user performs a confirmation operation on terminal 20, and as shown in FIG. 2-2, the estimated funds before the expenditure item estimation process are updated to "25,000 yen" by subtracting the transportation expenses of "500 yen" from the estimated funds before the expenditure item estimation process of "25,500 yen," as shown in FIG. 2-2. As a result, the estimated funds and the funds match, and "O" is stored in the estimated funds column at the update date and time "2019/1/26 22:10," and the update method is updated from "estimated" to "user input." In this way, the estimated expenditure item and estimated expenditure amount are identified as the expenditure item and expenditure amount input by the user, and the expenditure item and expenditure amount are confirmed.

The household accounting server 10 can obtain information about electronic money managed by the IMS money server 40 in association with the user ID of an IMS user by communicating with the IMS money server 40. Specifically, when there is a change in the balance of IMS money (not limited to, but an example of electronic money) managed by the IMS money server 40 in association with the user ID of an IMS user, the household accounting server 10 receives change information from the IMS money server 40, the change information including the changed IMS money balance, the increase or decrease amount of the IMS money, and the item that caused the change in the IMS money balance.

The household accounting server 10 can update the income items and income amounts, the expenditure items and expenditure amounts, and the estimated amount of money on hand based on the change information received from the IMS money server 40. For example, when a user receives IMS money from another user, the income items and income amounts are updated, and when a user transfers IMS money to another user, the expenditure items and expenditure amounts are updated. When a user purchases a product at a store using IMS money, the expenditure items and expenditure amounts are updated. When a user charges IMS money by depositing bills or coins into a device installed in a store, the amount of the IMS money charged is subtracted from the user's estimated amount of money on hand.

<Display screen example>
Hereinafter, the household accounting management method in this embodiment will be described with reference to examples of display screens displayed on the display unit 24 by the household accounting application of the terminal 20 based on the household accounting data exemplified in FIG. 2-1 and FIG. 2-2.

FIG. 2C is a diagram showing an example of a household accounting application screen displayed on the display unit 24 of the terminal 20. As shown in FIG.
This household accounting application screen displays the words "IMS household accounting" at the top of the screen, indicating that it is an IMS household accounting application, and below that, the collection period for the household accounting data (here, January 25, 2019 to February 24, 2019). Also below that, the amounts corresponding to the "income" and "expenses" of the household accounting data 1551 in FIG. 2-1 (here, income "300,000 yen" and expense "-13,500 yen") are displayed.

Below that are tabs for selecting and displaying the functions of the household accounting application: "Calendar," "Deposits and Withdrawals," "Categories," and "Reports." Here, the "Deposits and Withdrawals" tab is selected to display information about the deposits and withdrawals of the user of terminal 20, and below that, information about deposits and withdrawals is displayed.

Specifically, the current month's income and expenditure (here, "286,000 yen") and income for Friday, January 25th (here, "300,000 yen") are displayed, and expenses include food expenses (here, "-1,000 yen"), culture/education (here, "-500 yen"), and communication expenses (here, "-12,000 yen").

FIG. 2-4 is a diagram showing an example of a display screen displayed on the display unit 24 during the closing process.
In the center of the display screen, there is displayed the message "Thank you for your hard work today! How much do you have in your wallet?" along with an "input button" labeled ">>Enter" which enables the user to input the amount of money on hand, and a "photograph button" labeled ">>Take photo with camera" which enables the user to use the camera to take a photo of the bills and coins on hand and have the household accounting application recognize the amount of money on hand.

FIG. 2-5 is a diagram showing an example of a display screen that is displayed when an input button is touched on the display screen of FIG. 2-4.
This display screen displays a numeric keypad for the user to input the amount of money possessed by the user through a touch operation, and the amount of money possessed inputted through the numeric keypad. Here, a state in which "8,500 yen" has been inputted as the amount of money possessed by the user of the terminal 20 is shown.
In addition, a "Next" button is displayed at the bottom of the screen to confirm the entered amount of money and proceed to the next step. When the "Next" button is touched, the household account book server 10 executes a closing process.

FIG. 2-6 is a diagram showing an example of a display screen that is displayed when the "Next" button is touched on the display screen of FIG. 2-5.
In the closing process executed by the household account book server 10, it is determined whether the amount of money entered by the user on the display screen of FIG. 2-5 matches the estimated amount of money of the user of the terminal 20 stored and managed by the household account book server 10 in the household account book data 1551. In this case, since the amount of money and the estimated amount of money match, it is determined as "OK", and the amount of money "8,500 yen" is displayed in a pop-up format in the center of the screen together with the message "The amount in your IMS household account book wallet and the estimated amount of money are now the same."

FIG. 2-7 shows another example of a household account book application screen.
The configuration of this household accounting application screen is the same as that of FIG. 2-3, but it is displayed on a different date from the household accounting application screen of FIG. 2-3, and some of the contents are different.
In addition to the information displayed in FIG. 2-3, this household account book application screen displays a windfall of "20,000 yen" as income for Saturday, January 26th, and entertainment expenses of "-3,000 yen" as expenditures.

FIG. 2-8 shows a display screen similar to that of FIG. 2-4, and FIG. 2-9 shows a display screen similar to that of FIG. 2-5.
FIG. 2-9 shows a state in which the user of the terminal 20 has entered "25,000 yen" as the amount of money on hand using the numeric keypad.

FIG. 2-10 is a diagram showing an example of a display screen that is displayed when the next button is touched on the display screen of FIG. 2-9.
In the closing process executed by the household accounting server 10, it is determined whether the amount of money entered by the user on the display screen of FIG. 2-9 matches the estimated amount of money of the user of the terminal 20 stored and managed by the household accounting server 10 in the household accounting data 1551. In this case, since the amount of money and the estimated amount of money do not match, it is determined as "NG", and the amount of the difference, "500 yen", is displayed in the center of the screen along with a message saying "There is an error between the amount of money in the IMS household accounting book and the estimated amount of money." The amount of the error is the difference between the amount of money in the user's possession and the estimated amount of money.

FIG. 2-11 is a diagram showing an example of a display screen displayed subsequently to the display screen of FIG. 2-10.
When the household account book server 10 determines that the owned money and the estimated owned money do not match, the household account book server 10 executes an expenditure item estimation process to estimate an expenditure item corresponding to the difference between the owned money and the estimated owned money (amount of error). Here, based on the expenditure item corresponding to the amount of error estimated to be "transportation expenses" in the expenditure item estimation process, the estimated expenditure item "Estimated result: transportation expenses: Tokyo to Shinjuku 500 yen" and the estimated expenditure amount are displayed in the center of the screen, and a message "Is the above expenditure correct?" is displayed in a pop-up format.
Also displayed below are an icon showing the word “Correct” for the user of terminal 20 to touch if the estimated expenditure item and the estimated expenditure amount are correct, and an icon showing the word “Enter it yourself” for the user of terminal 20 to touch if the estimated expenditure item or the estimated expenditure amount are incorrect.

In addition, the household ledger data column on the back side of the pop-up display indicates that "transportation expenses" has been estimated as an expense item, and displays "(Estimated) Transportation Expenses" in a manner indicating that the information is provisional and not yet confirmed (not limited to this, but an example of the second manner), with the expenditure amount displayed as "-500 yen."

FIG. 2-12 is a diagram showing an example of a household accounting application screen that is displayed when the "Correct" icon is touched on the display screen of FIG. 2-11.
This household ledger application screen shows a state in which the estimated expenditure item of the transportation expenses has been confirmed and displayed on the household ledger application screen of Fig. 2-7. Specifically, the word [Estimated] has been erased from the display of "[Estimated] Transportation Expenses" that was displayed in a manner indicating that the information was provisional on the display screen of Fig. 2-11, and "Transportation Expenses" is displayed in a manner indicating that the information is confirmed (not limited to this, but an example of the first manner), and the expenditure amount is displayed as "-500 yen."

<Functional configuration>
(1) Functional Configuration of the Household Accounting Server FIG. 3A is a diagram showing an example of functions implemented by the control unit 11 of the household accounting server 10 in this embodiment.
The household accounting server 10 has a household accounting management processing unit 111 as a function realized by the control unit 11 .

The household accounting management processing unit 111 has the function of executing a household accounting management process, which is a process for managing the household accounting of the terminal 20 or the user of the terminal 20, according to the household accounting management processing program 151 stored in the memory unit 15.

The household accounting management processing unit 111 includes, as functional units, a scraping processing unit 1111 that executes scraping processing according to a scraping processing program 1511 stored in the memory unit 15, an expenditure item estimation processing unit 1113 that executes expenditure item estimation processing according to an expenditure item estimation processing program 1513 stored in the memory unit 15, and a savings management processing unit 1115 that executes savings management processing according to a savings management processing program 1515 stored in the memory unit 15, by way of example and not limitation.

FIG. 3B is a diagram showing an example of information stored in the storage unit 15 of the household accounting server 10 in this embodiment.
In the storage unit 15, as a non-limiting example, a household account book management processing program 151 is stored as a program, which is read by the control unit 11 and executed as a household account book management process.
In addition, the household accounting management processing program 151 includes, as subroutine programs, a scraping processing program 1511 that is read out by the control unit 11 and executed as a scraping process, an expenditure item estimation processing program 1513 that is executed as an expenditure item estimation process, and a savings management processing program 1515 that is executed as a savings management process.

In addition, the memory unit 15 stores, by way of example and not limitation, the following data: user registration data 153, a user management database 155, and commerce system data 157.

The user registration data 153 is registration data of the terminal 20 or the user of the terminal 20 who uses the household accounting application (household accounting service), and an example of the data configuration is shown in FIG.
In the user registration data 153, for example and without limitation, a user name, a terminal phone number, a terminal email address, a user ID, a user password, scraping information, and other registration information are stored in association with each other.

The user name is the name of the user of the terminal 20 who uses the household accounting application, and the name registered by the user of the terminal 20 when using the household accounting application is stored.

The terminal phone number is the phone number of the terminal 20 of the user of this user name, and the phone number of the terminal 20 registered when the user of the terminal 20 uses the household account book application is stored.
The terminal email address is the email address of the terminal 20 of the user of this user name, and the email address of the terminal 20 registered when the user of the terminal 20 uses the household accounting application is stored.
The terminal telephone number and the terminal email address are examples of identification information for identifying the terminal 20 (hereinafter referred to as "terminal identification information").

The user ID is an ID that functions as identification information for identifying a user of the terminal 20, and is an ID that is uniquely set for a user who uses the household accounting application. As a non-limiting example, the user ID is set and stored uniquely for each user by the household accounting server 10.
The user ID is an example of identification information for identifying a user of the terminal 20 (hereinafter referred to as “user identification information”).

The user password is the password used when the user with this username performs various processes using the household accounting application, and the password set by the user is stored.

The scraping information is information used by the scraping processing unit 1111 to perform scraping processing and extract information.
As a non-limiting example, this scraping information includes information such as the bank account balance of the user of terminal 20 managed by the bank server 50, as well as account information (login ID) and login password for obtaining deposit history and withdrawal history, and information contained in the commercial transaction system 60, for example, account information (login ID) and login password used by the user of terminal 20 to purchase goods, etc. on an EC site provided by an EC server.

The other registration information is other registration information for the user of this username, and includes, by way of example and not limitation, information such as the user's address, location information for the user's home and workplace, and for users of terminals 20 that use IMS applications, information such as icon image information and profile information.

The above various types of user information can be stored in the household accounting server 10 and the IMS money server 40 as user information shared by the household accounting server 10 and the IMS money server 40, but this is not intended to be limiting.

The user management database 155 is a database that cumulatively stores data for managing information related to the household accounting application of the user of each terminal 20, and an example of the data configuration is shown in FIG.
The user management database 155 stores user management data generated for each terminal 20 or for each user of the terminal 20 .

Each user management data stores, by way of example and not limitation, the user ID of the user of the terminal 20, household ledger data 1551, scraping data 1553, terminal location history data 1555, beacon information history data 1557, balance management data 1558, and savings management data 1559.

As a non-limiting example, the user ID stored in the user registration data 153 is stored as the user ID.

The household accounting data 1551 stores, as a non-limiting example, household accounting data stored and updated by the household accounting management processing unit 111, such as that shown in FIG. 2-1.

The scraping data 1553 stores, by way of example and not limitation, the balance of the bank account of the terminal 20 or the user of the terminal 20, as well as the deposit history and withdrawal history, extracted and obtained by the scraping processing unit 1111 performing a scraping process on the bank server 50, and the amount spent (purchase amount of goods) of the terminal 20 or the user of the terminal 20, extracted and obtained by the scraping processing unit 1111 performing a scraping process on the commercial transaction system 60 (by way of example and not limitation, an EC server).

As a non-limiting example, the terminal position history data 1555 stores the history of the terminal position calculated by the position calculation processing unit 213 of the terminal 20. As a non-limiting example, the position calculation processing unit 213 of the terminal 20 calculates the position of its own terminal 20 at regular or intermittent timings based on the position calculation information detected by the position calculation information detection unit 29B. As a non-limiting example, the terminal 20 transmits the calculated terminal position to the household accounting server 10 each time it calculates the position of its own terminal 20. Then, the household accounting server 10 stores the terminal position received from the terminal 20 as history in the terminal position history data 1555.

Beacon information history data 1557 stores, as a non-limiting example, a history of beacon information (as a non-limiting example, store location information encoded in the beacon signal) acquired by terminal 20 based on a beacon signal received by beacon signal receiving unit 29C. As a non-limiting example, each time terminal 20 receives a beacon signal and acquires beacon information, it transmits the acquired beacon information to household accounting server 10. Then, household accounting server 10 stores the beacon information received from terminal 20 as history in beacon information history data 1557.

Based on the calculated location of the terminal 20 included in the terminal location history data 1555 and the store location information included in the beacon information history data 1557, the household accounting server 10 can obtain information associated with the location (e.g., the location is restaurant X) from an external server (such as, but not limited to, a server that provides map information corresponding to latitude and longitude).

The balance management data 1558 stores information such as, by way of example and not limitation, the balance of the bank account of the user with that user ID obtained by scraping the bank server 50, and the balance of the IMS money account of the user with that user ID obtained from the IMS money server 40.
The savings management data 1559 stores, by way of example and not limitation, information such as setting information and savings balance regarding the savings of the user of the user ID using IMS money.

The commerce system data 157 is registration data related to the commerce system 60 of the electronic commerce or physical store operator affiliated with the operator of the household accounting server 10 or the operator of the IMS money server 40, through which the user of the terminal 20 can make payments using IMS money stored and managed in the IMS money server 40.

(2) Functional Configuration of IMS Money Server FIG. 3-5 is a diagram showing an example of functions realized by the control unit 41 of the IMS money server 40 in this embodiment.
The IMS money server 40 has an IMS money management processing unit 411 as a function realized by the control unit 41 .

The IMS money management processing unit 411 has the function of executing IMS money management processing, which is processing for managing IMS money owned by the terminal 20 or the user of the terminal 20, in accordance with the IMS money management processing program 451 stored in the memory unit 45.

The IMS money management processing unit 411 includes, as a functional unit, a payment management processing unit 4131 that executes payment management processing in accordance with a payment management processing program 4511 stored in the memory unit 45, for example and not for limitation.
The IMS money management processing unit 411 includes, as a functional unit, a savings processing unit 4133 that executes savings processing in accordance with a savings processing program 4513 stored in the memory unit 45, for example and not for limitation.

3-6 are diagrams showing an example of information stored in the storage unit 45 of the IMS money server 40 in this embodiment.
In the memory unit 45, as a non-limiting example, an IMS money management processing program 451 is stored as a program, which is read by the control unit 41 and executed as an IMS money management processing.
In addition, the IMS money management processing program 451 includes, as a subroutine program, a payment management processing program 4511 which is read by the control unit 41 and executed as payment management processing.
The IMS money management processing program 451 also includes, as a subroutine program, a savings processing program 4513 which is read by the control unit 41 and executed as a savings process.

Furthermore, the memory unit 45 stores, by way of example and not limitation, user registration data 153 and an IMS money management database 455 as data.

User registration data 153 is, by way of example and not limitation, registration data of a terminal 20 that uses a household accounting application or a user of the terminal 20.

The IMS money management database 455 is a database that cumulatively stores data for managing information regarding the IMS money of each terminal 20 or the user of each terminal 20 and payments made using IMS money, and an example of the data structure is shown in Figure 3-7.
IMS money management database 455 stores IMS money management data generated for each terminal 20 or for each user of terminal 20 .

Each IMS money management data includes, by way of example and not limitation, the user ID of the user of that terminal 20, the balance, IMS points, authentication password, deposit/withdrawal history data, and payment history data.

The balance stores the latest value of the balance of IMS money owned by the user with this user ID. The balance of this IMS money stores separately the IMS money with no usage restrictions (unsaved IMS money), the IMS money with usage restrictions (saved IMS money), and the combined amount of both.

IMS points store points that can be accumulated through various IMS services and at affiliated stores that are affiliated with IMS operators. By way of example and not limitation, each IMS point is worth 1 yen and can be exchanged for gift certificates, merchandise, etc., or can be converted into cash in a payment application and used for payments.

The authentication password stores a password for authenticating the user of terminal 20 when making a payment using IMS money.

The deposit/withdrawal history data stores information regarding the history of IMS money deposits/withdrawals made by the user of terminal 20 to this IMS money management data.

The payment history data is data related to the payment history of the user with this user ID. Specifically, as a non-limiting example, for the user with this user ID, information such as the payment date and time when the payment was made, the store ID which is the ID of the store where the payment was made, the payment store name which is the name of the store with that store ID, and the payment amount which is the amount of the payment are stored in association with each other.
The payment history data is sent to the household account book server 10 when it is updated (when a payment is made). The household account book server 10 updates the expenditure category and expenditure amount based on the payment store name and payment amount in the payment history data, and sets the update method to "IMS server-to-server communication." In this way, even when a payment is made using IMS money, the household account book server 10 automatically updates the expenditure category and expenditure amount.

(3) Functional Configuration of the Terminal FIG. 3-8 is a diagram showing an example of functions realized by the control unit 21 of the terminal 20 in this embodiment.
The terminal 20 has, as functions realized by the control unit 21, a household accounting application processing unit 211 and a position calculation processing unit 213.

The household accounting application processing unit 211 has the function of executing household accounting application processing, which is processing for realizing various processes of the household accounting application by communicating with the household accounting server 10 based on the household accounting application 281 stored in the memory unit 28.

The position calculation processing unit 213 has a function of executing a position calculation process, which is a process of calculating the position of the own terminal 20, based on the position calculation information output from the position calculation information detection unit 29B. The position calculation processing unit 213 performs satellite positioning calculation based on, for example, satellite orbit data and time data output from a satellite positioning sensor (satellite positioning unit) included in the position calculation information detection unit 29B, to calculate the position of the own terminal 20. The position calculation processing unit 213 also performs inertial navigation calculation based on information on acceleration and angular velocity output from an inertial measurement sensor (inertial measurement unit) included in the position calculation information detection unit 29B to calculate the position of the own terminal 20.
The position calculation processing unit 213 executes the above-mentioned processes based on the execution of the position calculation processing program 287 , thereby calculating the position of its own terminal 20 .

In addition, unlike this embodiment, by way of example and not limitation, a processing device or arithmetic device (e.g., a CPU or DSP) may be provided in the position calculation information detection unit 29B, and the position calculation information detection unit 29B, rather than the control unit 21 of the terminal 20, may calculate and output the position of the terminal 20.

FIG. 3-9 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
In the storage unit 28, as a non-limiting example, a household accounting application 281 is stored as application software acquired in advance from the household accounting server 10 by, for example, downloading.

The household accounting application 281 includes a household accounting application processing program 283 that is read by the control unit 21 and executed as household accounting application processing, and household accounting application data 285, which is various data used in the household accounting application.

The household accounting application data 285 includes, by way of example and not limitation, data for implementing various functions within the household accounting application, data for displaying various display screens including the household accounting application screen, and the like. The household accounting application data 285 also includes, by way of example and not limitation, user input data 2851 which is data input by the user, captured image data 2853 which is data of a captured image obtained by, for example, photographing a receipt, and setting data 2855.

The household account book application data 285 also includes a history of operations during consumption behavior that the user has set in advance (date and time when the operation during consumption behavior was performed, and the calculated location of the operation during consumption behavior). The operation during consumption behavior is an operation performed by the user at a store or the like that the user visits, and includes, for example, an operation of shaking the terminal 20 multiple times and an operation of taking a picture with the camera 27. The operation during consumption behavior may also include an operation of displaying a message in the talk room of the IMS associated with the household account book application 281 (an operation of sending a message to the IMS talk room server), an operation of touching the icon of the household account book application displayed on the display unit 24 of the terminal 20, an operation of inputting voice from the microphone 25 of the terminal 20, and the like. If the user includes the expenditure item and the expenditure amount in the message to be displayed in the talk room of the IMS associated with the household account book application 281, it becomes even easier to estimate the expenditure item.

In this way, since it becomes easier for the household accounting server 10 to estimate expenditure items based on the history of operations during consumption behavior, it can also be said that the operations during consumption behavior are operations that assist the household accounting server 10 in estimating expenditure items. This history of operations during consumption behavior is transmitted to the household accounting server 10 by the communication I/F 22.

The setting data 2855 is data related to information set by the user of the terminal 20 within the household accounting application. By way of example and not limitation, it includes setting data related to the display of various display screens, setting data related to the commuter pass interval described below, and other data. Also, by way of example and not limitation, it includes savings conditions for causing the IMS money server 40 to execute savings processing, the savings amount per transaction, and permission conditions for using the savings balance. This setting data 2855 is sent to the household accounting server 10 by the communication I/F 22.

In addition, the memory unit 28 stores, by way of example and not limitation, terminal data 286, a position calculation processing program 287, calculated terminal position history data 288, and received beacon information history data 289.

The terminal data 286 is data related to this terminal 20, and includes, by way of example and not limitation, terminal identification information such as a terminal telephone number and a terminal email address, and various setting information for the terminal 20.

The calculated terminal position history data 288 stores, by way of example and not limitation, a history of calculated terminal positions, which is the calculation result of the position (terminal position) of the own terminal 20 calculated by the position calculation processing unit 213 performing position calculation processing at regular or intermittent timings.

Received beacon information history data 289 stores, by way of example and not limitation, a history of beacon information (e.g., store location information) obtained by decoding data from a beacon signal (e.g., a beacon signal transmitted from a store beacon) received by beacon signal receiving unit 29C.

<Processing>
FIG. 3-10 is a flowchart showing an example of the flow of processing executed by each device in this embodiment.
In this figure, the left side shows a first household accounting application process which is an example of a household accounting application process executed by the household accounting application processing unit 211 of the terminal 20, and the right side shows a first household accounting management process which is an example of a household accounting management process executed by the household accounting management processing unit 111 of the household accounting server 10.

Each step in each process is indicated by a combination of a capital letter and a number, and in this specification, the terminology for the step is omitted.
Furthermore, the flowcharts described below are merely examples of the processing in this embodiment, and some steps in the flowcharts described below may not be executed, or additional steps may be inserted.

The scraping processing unit 1111 of the household accounting server 10 starts executing the scraping process (B1). Specifically, it accesses the bank server 50 and starts acquiring information managed in the bank account data corresponding to the user of the terminal 20 being processed in a bank account database (not shown) of the bank server 50, for example and not limitation. The information acquired includes, for example and not limitation, the latest bank account balance stored in the bank account data, as well as the history of deposits to and withdrawals from the bank account.

Then, the household accounting management processing unit 111 transmits display information to be displayed on the household accounting application screen, such as that shown in FIG. 2-3, to the terminal 20 via the communication I/F 14 (B3). In response, the household accounting application processing unit 211 of the terminal 20 causes the display unit 24 to display the household accounting application screen including the display information received from the household accounting server 10 (A1).

Then, the household accounting application processing unit 211 determines whether a user operation has been performed on the input/output unit 23 to input expenditure information or income information (A3), and if it is determined that such an operation has been performed (A3; Yes), it transmits the input information as input information to the household accounting server 10 via the communication I/F 22 (A5).

Next, the household accounting application processing unit 211 determines, by way of example and not limitation, whether the application camera of the household accounting application has been started and an operation to perform photography has been performed (A7), and if it is determined that such an operation has been performed (A7; Yes), executes photography processing (A9). In this photography processing, by way of example and not limitation, a receipt obtained by the user of the terminal 20 when purchasing a product is photographed.

Then, the household accounting application processing unit 211 transmits the image captured in the image capturing process to the household accounting server 10 via the communication I/F 22 (A11).

After B3, the household accounting management processing unit 111 determines whether a household accounting data update condition has been met (B5). The household accounting data update condition can be defined as, by way of example and not by way of limitation, any of the following conditions being met: (1) at least one of the pieces of information extracted and acquired in the current scraping process is different from the information extracted and acquired in the previous scraping process; (2) input information associated with user input has been received from the terminal 20; or (3) photographed image data has been received from the terminal 20.

If it is determined that the household ledger data update process has been completed (B5; Yes), the household ledger management processing unit 111 determines which items in the household ledger data to update (update items) (B7). The household ledger management processing unit 111 then executes a money estimation process to estimate the amount of money on hand based on the income amount/expense amount corresponding to the determined update item and the latest (previous) estimated amount of money on hand stored in the household ledger data (B9). The household ledger management processing unit 111 then executes a household ledger data update process to update the household ledger data with the estimated amount of money on hand determined in the money estimation process (B11).

After A11, the household account book application processing unit 211 judges whether or not to execute closing processing (A13). If it is judged that closing processing is to be executed (A13; Yes), closing processing execution request information including the money information indicating the money input by the user via the input/output unit 23 is sent to the household account book server 10 via the communication I/F 22 (A15).

After B11, the household account book management processing unit 111 determines whether or not closing process execution request information has been received from the terminal 20 via the communication I/F 14 (B13), and if it is determined that the information has been received (B13; Yes), it determines whether or not the latest estimated balance stored in the household account book data matches the balance indicated by the balance information included in the closing process execution request information received from the terminal 20 (B15).

If it is determined that the estimated funds match the funds (B15; Yes), the household ledger management processing unit 111 sends a funds judgment OK notification to the terminal 20 via the communication I/F 14 to notify that the judgment result of the funds of the user of the terminal 20 is "OK" (B17). The household ledger management processing unit 111 then proceeds to B27.

On the other hand, if it is determined that the estimated funds on hand do not match the funds on hand (B15; No), the household account book management processing unit 111 sends a funds judgment NG notification to the terminal 20 via the communication I/F 14 to notify the terminal 20 that the judgment result of the funds on hand of the user of the terminal 20 is "NG" (B19).

Then, the expenditure item estimation processing unit 1113 executes the expenditure item estimation process in accordance with the expenditure item estimation process program 1513 stored in the storage unit 15 (B21). Note that if the estimated money does not match the actual money, there are cases where the estimated money is more than the actual money, and cases where the estimated money is less than the actual money. Here, it is described that if the estimated money is more than the actual money, an unknown expenditure item exists, and the expenditure item estimation process is executed to estimate the expenditure item.

In addition, if the difference between the estimated amount of money and the input amount of money is equal to or greater than a predetermined amount (for example, 1,000 yen set by the user), the expenditure item estimation process may be executed, and if the difference is less than the predetermined amount, the expenditure item estimation process may not be executed and the user may be prompted to input an expenditure item and expenditure amount.

FIG. 3-11 is a flowchart showing an example of the flow of an expenditure item estimation process.
First, the expenditure item estimation processing unit 1113 determines whether or not a consumption behavior operation has been performed on the terminal 20 within a period to be estimated for expenditure items (hereinafter, referred to as an "estimated period") (C1).

Here, the estimation target period can be, by way of example and not by way of limitation, the period defined as the time range from the previous time when it was determined that the estimated amount of money on hand matches the actual amount of money on hand to the current time when it is determined that the estimated amount of money on hand does not match the actual amount of money on hand.

Furthermore, the operation during consumption behavior can be, for example and not limitation, an operation performed on the terminal 20 when the user of the terminal 20 performs an action that consumes money for some reason. As an example and not limitation, the operation during consumption behavior can be an operation of shaking the terminal 20 a certain number of times or more, and when the operation during consumption behavior is detected by the terminal 20, the terminal 20 can notify the household account book server 10 that the operation during consumption behavior has been detected.

If it is determined that a consumer behavior operation was performed on the terminal 20 within the estimation target period (C1; Yes), the expenditure item estimation processing unit 1113 refers to the terminal location history data included in the user management data, and estimates the expenditure item based on the location of the terminal at the date and time when the consumer behavior operation was detected by the terminal 20 within the estimation target period (C3).

Specifically, as a non-limiting example, if the terminal location at the date and time when a consumer behavior operation is detected on the terminal 20 is within the location range of the location of a certain store A, it is estimated that the user of the terminal 20 performed a consumer behavior operation at store A, that is, an expenditure such as the purchase of a product occurred at store A. Then, the expenditure item estimation processing unit 1113 sets the estimated expenditure item (hereinafter referred to as the "estimated expenditure item") for transmission (C5), and then terminates the expenditure item estimation process.

If it is determined that no consumption behavior operation was performed on the terminal 20 (C1; No), the expenditure item estimation processing unit 1113 determines whether the movement distance of the terminal 20 during the estimation target period exceeds a threshold distance (C7). The movement distance of the terminal 20 during the estimation target period can be calculated based on the terminal location history stored in the terminal location history data included in the user management data.

If it is determined that the travel distance of the terminal 20 during the estimation target period exceeds the threshold distance (C7; Yes), the expenditure item estimation processing unit 1113 determines whether the travel range of the terminal 20 during the estimation target period is within a commuter pass (C9). Here, the commuter pass is, for example, a section traveled by public transportation (such as a bus or train) using a commuter pass for the purpose of commuting to school or work, and this commuter pass can be set and stored in the household account book application as part of the setting data 2855 based on the setting operation of the user of the terminal 20.

If the travel range of the terminal 20 is within the commuter pass area, it is assumed that no travel expenses will be incurred since the user normally travels using a commuter pass, but if the travel range of the terminal 20 is not within the commuter pass area, it is assumed that travel expenses will be incurred since the commuter pass cannot be used. Note that the commuter pass area is not limited to being set by the user, and may or may not be automatically estimated by the household account book server 10 based on the relationship between the home location information and the workplace location information in the user registration data 153.

If it is determined that the range of movement of the terminal 20 during the estimation target period is not within the regular section (C9; No), the expenditure item estimation processing unit 1113 determines whether the difference between the estimated amount of money and the amount of money is within an appropriate range in relation to the range of movement (C10). If the difference is within the appropriate range, it is estimated that the difference is caused by the expenditure of transportation expenses. On the other hand, if the difference is not within the appropriate range, it is estimated that the difference is not caused by the expenditure of transportation expenses, or that the difference is caused by the expenditure of transportation expenses and other items. Specifically, if the range of movement of the terminal 20 is within a radius of 5 km but the difference exceeds 10,000 yen, it is determined that the difference is not within the appropriate range and it is estimated that the difference is not caused by the expenditure of transportation expenses, or that the difference is caused by the expenditure of transportation expenses and other items. Then, the estimation process is performed with priority given to other candidate items.

For example, if the difference is not within an appropriate range in relation to the user's travel range, as described below, the expenditure items may be estimated based on information about stores etc. that the user may have visited, and then an estimation process for transportation expenses may be performed based on the terminal location history.

If it is determined that the difference between the estimated amount of money and the actual amount of money is within an appropriate range in relation to the travel range (C10: YES), the expenditure item estimation processing unit 1113 estimates transportation expenses as an expenditure item (C11). Then, the expenditure item estimation processing unit 1113 sets the estimated expenditure item for transmission (C13), and then ends the expenditure item estimation processing.

If it is determined that the distance traveled by the terminal 20 during the estimation period does not exceed the threshold distance (C7; No), if it is determined that the range of travel of the terminal 20 during the estimation period is within a regular interval (C9; Yes), or if it is determined that the difference between the estimated amount of money and the amount of money is not within an appropriate range in relation to the range of travel (C10: No), the expenditure item estimation processing unit 1113 determines whether or not there is a location where the terminal 20 stayed for a predetermined period of time or more during the estimation period (C15). Specifically, based on the terminal location history stored in the terminal location history data included in the user management data, it determines whether or not there was a location where the terminal location was included in a location range corresponding to the same location for a predetermined period of time or more during the estimation period.

If it is determined that there is a location where the terminal 20 stayed for a predetermined time or more within the estimation target period (C15; Yes), the expenditure item estimation processing unit 1113 estimates that an expenditure such as the purchase of a product occurred at the store corresponding to that location (C17). Then, the expenditure item estimation processing unit 1113 sets the estimated expenditure items for transmission (C19), and then ends the expenditure item estimation processing.

If it is determined that there is no location where the terminal 20 stayed for a predetermined time or longer within the estimation target period (C15; No), the expenditure item estimation processing unit 1113 determines whether or not the terminal 20 received a beacon signal within the estimation target period (C21). Specifically, by way of example and not limitation, it determines whether or not the terminal 20 received a beacon signal within the estimation target period by referring to the beacon information history data included in the user management data.

If it is determined that the terminal 20 received a beacon signal within the estimation target period (C21; Yes), the expenditure item estimation processing unit 1113 estimates expenditure items based on the location of the transmission source of the beacon signal (C23). Specifically, by way of example and not limitation, the expenditure item estimation processing unit 1113 refers to the beacon information history data included in the user management data and estimates that expenditures such as the purchase of goods occurred at a store corresponding to a location identified from the beacon information corresponding to the beacon signal received by the terminal 20 within the estimation target period. Then, the expenditure item estimation processing unit 1113 sets the estimated expenditure items for transmission (C25), and then terminates the expenditure item estimation processing.

If it is determined that the terminal 20 has not received a beacon signal within the estimation target period (C21; No), the expenditure item estimation processing unit 1113 estimates expenditure items based on the past expenditure history stored in the household ledger data (C27). Specifically, as a non-limiting example, if 1,000 yen is spent on lunch (category: food) every day at a certain interval, but the lunch expense is not entered as an expenditure item on that day, and the entered amount of money in possession is 1,000 yen less than the estimated money in possession, the estimated expenditure item is set to "food expenses" and the estimated expenditure amount is set to "1,000 yen". Then, the expenditure item estimation processing unit 1113 transmits and sets the estimated expenditure item (C29), and then ends the expenditure item estimation processing.

Returning to FIG. 3-10, after executing the expenditure item estimation process, the household account book management processing unit 111 transmits the estimated expenditure items to the terminal 20 via the communication I/F 14 based on the transmission settings in the expenditure item estimation process (B23).

After A15, the household accounting application processing unit 211 judges whether the result of the judgment of the money on hand is "OK" (A17). Specifically, if a notification that the money on hand judgment is OK is received from the household accounting server 10, the judgment of the result of the judgment of the money on hand is "OK". On the other hand, if a notification that the money on hand judgment is NG is received from the household accounting server 10, the judgment of the result of the judgment of the money on hand is "NG".

If the result of the judgment of the amount of money on hand is "OK" (A17; Yes), the household accounting application processing unit 211 displays a message indicating that the amount of money on hand is OK on the household accounting application screen of the display unit 24 to notify the user of the terminal 20 of the result (A19). The household accounting application processing unit 211 then proceeds to A27.

On the other hand, if the result of the judgment of the amount of money on hand is "NG" (A17; No), the household accounting application processing unit 211 displays a "NG amount of money judgment" display on the household accounting application screen of the display unit 24 to notify the user of the terminal 20 of this fact (A21).

Then, the household ledger application processing unit 211 performs an estimated expenditure item display process to display the estimated expenditure items received from the household ledger server 10 via the communication I/F 22 on the household ledger application screen of the display unit 24 (A23). At this time, the estimated expenditure items are displayed in an estimated mode rather than a confirmed mode. Specifically, the word "Estimated" is displayed next to the estimated item (see FIG. 2-11).

Next, the household ledger application processing unit 211 executes a confirmation process to have the user of the terminal 20 confirm whether the estimated expenditure items displayed in the estimated expenditure item display process are correct (A25). In this confirmation process, if the user determines that the estimated expenditure items are correct, the estimated expenditure items change from an estimated state to a confirmed state (see FIG. 2-12) by performing an operation corresponding to the estimated expenditure items being correct (see FIG. 2-11).

Then, the household accounting application processing unit 211 determines whether to end the processing (A27), and if it determines to continue the processing (A27; No), it returns the processing to A3. On the other hand, if it determines to end the processing (A27; Yes), the household accounting application processing unit 211 ends the first household accounting application processing.

Similarly, the household accounting management processing unit 111 determines whether to end the process (B27), and if it determines to continue the process (B27; No), it returns to B5. On the other hand, if it determines to end the process (B27; Yes), the household accounting management processing unit 111 ends the first household accounting management process.

In this embodiment, both the income information (e.g., income items and income amount) and the expenditure information (e.g., expenditure items and expenditure amount) of the user of the terminal 20 are displayed on the display unit 24 of the terminal 20, but it is also possible to display only one of the income information and the expenditure information on the display unit 24 of the terminal 20.

Effects of the First Embodiment
In the first embodiment, the terminal 20 displays the income items and income amounts (not limited to, an example of the income information of the terminal user) of the user of the terminal 20 or the expense items and expenditure amounts (not limited to, an example of the expenditure information of the terminal user) of the user of the terminal 20 on a household account book application screen (not limited to, an example of the display area of the terminal) of the display unit 24. The terminal 20 is configured to display the income items and income amounts or expense items and expenditure amounts updated (estimated) based on the user's history on the household account book application screen when a first condition based on the user's inputted money (not limited to, an example of the amount of cash the user has) and the estimated money (not limited to, an example of income information or expenditure information) is satisfied.
As an example of the effect obtained by such a configuration, since the income information or expenditure information of the user of the terminal is displayed in the display area of the terminal, the user can grasp his/her own income information or expenditure information at a glance. Also, when a first condition related to the amount of cash possessed by the user and the income information or expenditure information is established, the income information or expenditure information updated (estimated) based on the user's history is displayed in the display area of the terminal, so that the user can grasp at a glance the income information or expenditure information updated based on the user's history in response to the establishment of the first condition, thereby improving the convenience for the user.

Furthermore, the first embodiment shows a configuration in which the first condition includes a situation in which the amount of cash input by the user (not limited to, but an example of the amount of cash the user possesses) does not match the estimated amount of cash possessed estimated based on the household account data (not limited to, but an example of an estimated amount based on income information and expenditure information).
As an example of the effect that can be obtained by such a configuration, if the amount of cash the user possesses does not match the estimated amount based on the income information and expenditure information, the income information or expenditure information updated based on the user's history can be displayed in the display area of the terminal to notify the user.

Furthermore, in the first embodiment, the history relating to the user includes history relating to the terminal position (not limited to this, but an example of the terminal position) calculated by the position calculation processing unit 213 .
As an example of the effect obtained by such a configuration, income information or expenditure information updated based on the history of the terminal's location can be displayed in the display area of the terminal to inform the user.

Furthermore, in the first embodiment, the history relating to the user includes history relating to a periodic interval set by the user (not limiting, an example of a range set by the user).
As an example of the effect obtained by such a configuration, income information or expenditure information updated based on the history related to the range set by the user can be displayed in the display area of the terminal to inform the user.

Furthermore, in the first embodiment, the history relating to the user includes a history relating to operations during consumption behavior (not limited to this, but an example of terminal operations).
As an example of the effect obtained by such a configuration, it is possible to display updated income information or expenditure information based on the history of terminal operations in the display area of the terminal and notify the user.

Moreover, in the first embodiment, the history relating to the user includes history relating to reception of beacon signals (not limited to this, but an example of terminal communication).
As an example of the effect obtained by such a configuration, income information or expenditure information updated based on the communication history of the terminal can be displayed in the display area of the terminal to inform the user.

Furthermore, in the first embodiment, the history relating to the user includes a past expenditure history (not limited to this, but is an example of expenditure information).
As an example of the effect obtained by such a configuration, expenditure information updated based on past expenditure information can be displayed in the display area of the terminal to notify the user.

In the first embodiment, when the first condition is satisfied, the terminal 20 displays estimated expenditure items (not limited to, but an example of the first information based on the user's history) on the household account book application screen. Then, when confirmation is obtained by a confirmation process for the displayed estimated expenditure items, the terminal 20 displays updated income information or expenditure information.
As an example of an effect obtained by such a configuration, when the first information is displayed in the display area of the terminal based on the first condition being satisfied, updated income information or expenditure information can be displayed in the display area of the terminal to notify the user.

Furthermore, the first embodiment shows a configuration in which updated income information or expenditure information is displayed when the above-mentioned first condition is met and also when the second condition is met, that is, the difference between the user's inputted funds and the estimated funds is an appropriate amount in relation to the estimated expenditure items.
As an example of an effect obtained by such a configuration, based on the first condition and the second condition being met, updated income information or expenditure information can be displayed in the display area of the terminal to notify the user.

Furthermore, in the first embodiment, when the owned money and the estimated owned money match, the terminal 20 displays the income information or expenditure information on the household account book application screen in a manner indicating that the information is confirmed (not limiting, an example of the first manner), whereas when the owned money and the estimated owned money do not match (not limiting, an example of the first condition being met), the terminal 20 displays the income information or expenditure information on the household account book application screen in a manner indicating that the information is provisional (not limiting, an example of the second manner).
As an example of the effect that can be obtained by such a configuration, by displaying confirmed income information or expenditure information and estimated income information or expenditure information in different formats, the user can grasp at a glance the difference between the two pieces of information.

Furthermore, in the first embodiment, the terminal 20 is configured to display the income information or expense information, which has been displayed in a manner indicating that it is provisional information, in a manner indicating that it is confirmed information, on the condition that the estimated income information or expense information has been confirmed based on user operation in a confirmation process (not limited to this, an example of the third condition).
As an example of the effect obtained by such a configuration, when the third condition is met, the income information or expenditure information displayed in the second manner can be displayed in the first manner, thereby realizing a display that is easy for the user to understand.

Furthermore, the first embodiment illustrates a configuration in which the user's income information or expenditure information is updated by the household accounting server 10 based on the bank account information or product purchase information received from a bank server 50 (not limited to, an example of a second server) that manages the user's bank account information, or an EC server (not limited to, an example of a second server) of a commerce system 60 that manages the user's product purchase information on an EC site.
As an example of an effect obtained by such a configuration, the user's income information or expenditure information is updated by the first server based on the first server receiving information related to the user's income information or expenditure information from a second server that manages information related to the user's income information or expenditure information, and the terminal can display the income information or expenditure information appropriately updated by the first server in the display area of the terminal to notify the user.

<First Modification (1)>
In the first embodiment, the household accounting server 10 performed an expenditure item estimation process on the expenditure information of the user of the terminal 20 to estimate expenditure items, but similarly, it is also possible for the household accounting server 10 to perform an income item estimation process on the income information of the user of the terminal 20 to estimate income items.

Specifically, as a non-limiting example, in the household accounting data, when the user's inputted amount of money on hand does not match the estimated amount of money on hand during closing processing on a certain day of the week (for example, a Sunday on a certain date), and the estimated amount of money on hand is less than the amount on hand (when the amount of money on hand is more than the estimated amount of money on hand), the household accounting server 10 estimates that the user of the terminal 20 has had some income. Then, the household accounting server 10 executes an income item estimation process.

In this income item estimation process, the household account book server 10, for example and not for limitation, refers to the history of past income in the household account book data on the same day of the week as the date (Sunday in the above example). Then, if there is an amount of income with the category "Extra income" and the update method "User input" on the same day of the week every week or on the same day every other week, it is estimated that there was income equal to the difference between the amount of money possessed with the income item "Extra income" and the estimated amount of money possessed. In a typical example, the user of the terminal 20 goes to public races such as horse racing or bicycle racing every Sunday or every other Sunday, and often earns extra income, but forgets to enter the extra income in the household account book on that day, and as a result, the amount of money possessed and the estimated amount of money possessed do not match during the closing process.

<Effects of the first modified example (1)>
According to this modification, not only expense items but also income items can be estimated and presented to the user of the terminal 20, thereby further improving convenience for the user.

<First Modification (2)>
In the first embodiment, if the household accounting server 10 performs a scraping process and detects, for example, an abnormal value outside the appropriate range in the expenditure amount of the user of the terminal 20, it is possible to perform processing to notify the user of the terminal 20 of this fact.

Specifically, for example, the household accounting server 10 performs a scraping process on the EC server of the commercial transaction system 60 based on the account information and login password of the EC site of the user of the terminal 20, and determines that a large expenditure of more than a predetermined amount (e.g., "50,000 yen" or "1000.00 yen") has occurred. In this case, the household accounting server 10 transmits expenditure confirmation information including information on the expenditure item and the expenditure amount to the terminal 20 via the communication I/F 14.

When the terminal 20 receives expenditure confirmation information from the household account book server 10 via the communication I/F 22, it causes the display unit 24 to display the expenditure items and expenditure amounts included in the received expenditure confirmation information.
3-12 is a diagram showing an example of the expenditure items and expenditure amounts displayed on the display unit 24 of the terminal 20 that has received the expenditure confirmation information. The screen displays a pop-up notification that a smartphone for 55,000 yen has been purchased from the EC site XXX, and includes a button labeled "Check now" for checking the details of the purchase history, and a button labeled "Notify me later" for notifying the user again later.

Note that, although the explanation here has been given using expenditures as an example, similarly, if an abnormal value outside the appropriate range is detected in the income amount of the user of terminal 20, processing may be performed to notify the user of terminal 20 of this fact.

<Effects of the first modified example (2)>
According to this modified example, the terminal 20 receives income information or expenditure information via the communication I/F 22 (not limited to, an example of a communication unit of the terminal) from the household accounting server 10 (not limited to, an example of a first server) that manages the user's income information and expenditure information, and displays confirmation information (not limited to, an example of first information) based on the received income information or expenditure information on the display unit 24. For example, if an abnormality is detected in the income or expenditure of the user of the terminal 20, the user can be alerted to this and can be asked to confirm whether the income or expenditure is appropriate.

<First Modification (3)>
In the first embodiment, the household accounting server 10 may acquire information about the user of the terminal 20 from a web server or a cloud server (not shown), and estimate income items and expenditure items based on the acquired information.

Specifically, when an image taken by an IMS user with the application camera of the terminal 20 and with metadata including the user ID of the IMS user, the date and time when the image was taken, and location information (information on latitude, longitude, etc.) regarding the location where the image was taken attached to it as metadata is uploaded to the SNS website, the household accounting server 10 searches for images uploaded to the website (images associated with the user ID of the IMS user that are the subject of the income item estimation process and the expense item estimation process) based on the user ID of the IMS user, and estimates income items and expense items based on the metadata attached to the images obtained from the web server as search results. For example, the date and time when income was earned or the date and time when expenditure was made is estimated based on the date and time attached to the image obtained as the search result, and the place where income was earned or the place where expenditure was made is estimated based on the location information. The estimated results are then reflected in the household accounting data and displayed on the display unit 24 of the terminal 20.

In addition, when an image taken by a user with the camera 27 of the terminal 20, to which the device identification information of the terminal 20 or the camera 27 that took the image, the date and time when the image was taken, and the location information (information on latitude, longitude, etc.) related to the location where the image was taken are attached as metadata is stored in the cloud server, the household accounting server 10 searches for images stored in the cloud server (images associated with the user ID of the IMS user that is the target of the income item estimation process or the expense item estimation process) based on the device identification information previously stored in association with the user ID of the IMS user, and estimates income items and expense items based on the metadata attached to the images obtained from the cloud server as search results. For example, the date and time when income was earned or the date and time when expenditure was made is estimated based on the date and time attached to the image obtained as the search result, and the place where income was earned or the place where expenditure was made is estimated based on the location information. Then, the estimation result is reflected in the household accounting data and displayed on the display unit 24 of the terminal 20.

<Effects of the first modified example (3)>
According to this modified example, the household accounting server 10 (not limited to this, but an example of a first server) receives information (image data) about an IMS user from an external server such as a web server or a cloud server via the communication I/F 14 (not limited to this, but an example of a communication section of a server), and can estimate expenditure items, income items, etc. for the user based on the received information.

<First Modification (4)>
In the first embodiment, when the household accounting server 10 determines that the estimated funds on hand do not match the actual funds on hand (B15: NO), a process may be executed to prompt the user to input expenditure items before the expenditure item estimation process (B21) is executed. Specifically, the terminal 20 that has received the funds on hand determination NG notice (B19) displays on the display unit 24 a screen for inputting the difference between the estimated funds on hand and the actual funds on hand, as well as the expenditure items that caused the difference, before the screen shown in FIG. 2-10.

When the user inputs the expenditure item that the user determines to be the cause of the difference on the screen of the terminal 20, the expenditure item and expenditure amount (difference) are reflected in the household ledger data in the household ledger server 10, and the expenditure item and expenditure amount are confirmed without executing the expenditure item estimation process. On the other hand, if the user performs an operation to execute the expenditure item estimation process on the terminal 20 because the user cannot remember the expenditure item that caused the difference, for example, when the user selects an icon displayed as "Estimate expenditure item", operation information to execute the expenditure item estimation process is sent from the terminal 20 to the household ledger server 10, and the household ledger server 10 that receives the operation information executes the expenditure item estimation process (B21).

<Effects of the first modified example (4)>
According to this modification, if a user who sees the difference can remember the expenditure item that caused the difference, it is possible to eliminate the need for the expenditure item estimation process by the household account book server 10 .

<First Modification (5)>
The terminal 20 may be provided with a function for identifying the opening and closing of the wallet of the user of the terminal 20. Specifically, the user's wallet is provided with a sensor for detecting the opening and closing of the wallet, and a wireless communication unit for transmitting the detection result by the sensor to the terminal 20 by Bluetooth, wireless LAN, etc. When the terminal 20 receives information indicating that the wallet has been opened and closed from the wireless communication unit of the wallet, it receives the date and time when the wallet was opened and closed, and location information (information on latitude, longitude, etc.) on the location where the wallet was opened and closed, stores these pieces of information in the storage unit 28, and transmits the stored information to the household accounting server 10 together with the user ID of the IMS user based on the function of the household accounting application 281.

When the household accounting server 10 receives information about the opening and closing of the wallet from the terminal 20, it estimates the date and time when the income was earned or the date and time when the expenditure was made based on the date and time when the wallet was opened and closed, and estimates the location where the income was earned or the location where the expenditure was made based on location information about the location where the wallet was opened and closed. The estimated results are then reflected in the household accounting data and displayed on the display unit 24 of the terminal 20.

<Effects of the first modified example (5)>
According to this modification, it is possible to estimate expenditure items, income items, etc., of a user based on the wallet opening and closing actions performed when the user removes bills and coins from the wallet.

Second Example
The second example is an embodiment accompanying the first example. The second example is an embodiment in which IMS money is automatically saved in the IMS money server 40 under the control of the household accounting server 10 based on the saving conditions (not limited to, but an example of the first conditions) set by the user of the terminal 20. Note that the same components as those in the first example are given the same reference numerals and will not be described again. The contents described in the second example are applicable to any of the other embodiments.

First, an automatic savings method will be described in which at least a portion of the IMS money in a first electronic money account associated with a bank account is transferred to a second electronic money account based on savings conditions preset by the user. The first IMS money account is an example of an electronic money account associated with a bank account. In addition, in the first automatic savings method, the IMS money in the first IMS money account is an example of electronic money whose use is not restricted, without being limited thereto. The user can use the IMS money in the first IMS money account for payments in the commercial transaction system 60. Payments in the commercial transaction system 60 include, without being limited thereto, payments in actual stores and payments on EC sites.

By way of example and not limitation, the user of terminal 20 can charge IMS money to the first IMS money account using the balance of a bank account. For example, when the user uses terminal 20 to select 10,000 yen as the IMS money charge amount, 10,000 yen is subtracted from the balance of the user's bank account and 10,000 yen is added to the balance of the user's first IMS money account.

By way of example and not limitation, a user of terminal 20 can withdraw IMS money from a first IMS money account to a bank account. For example, when a user uses terminal 20 to select 10,000 yen as the withdrawal amount for IMS money from the user's first IMS money account, 10,000 yen is subtracted from the user's first IMS money account balance and 10,000 yen is added to the user's bank account balance.

In addition, by way of example and not limitation, a user of terminal 20 can transfer IMS money from his/her first IMS money account to another user's first IMS money account. For example, one user can use terminal 20 to select the other user's first IMS money account as the transfer destination and select 10,000 yen as the transfer amount, thereby subtracting 10,000 yen from the balance of the first IMS money account of the one user and adding 10,000 yen to the balance of the other user's bank account.

In this way, the IMS money in the first IMS money account in the first automatic savings method is, by way of example and not limitation, electronic money that the user can freely use, withdraw, transfer, etc., without restrictions within the range of the IMS money balance. Note that the IMS money in the first IMS money account cannot be received by the user as paper money or coins at an ATM unless it is withdrawn to a bank account (unless the IMS money balance is converted into a bank account balance).

Figure 4-1 shows an example of balance management data used in the first automatic savings method. The balance management data 1558 is stored in the memory unit 15 of the household account book server 10. The balance management data 1558 stores, in association with an IMS group ID that identifies an IMS group, an IMS group name set for the group of that IMS group ID, an IMS user ID (also simply called a user ID) of an IMS user belonging to that group, an IMS user name set for that IMS user, the bank account of that IMS user, the balance of that bank account, a first IMS money account associated with that bank account, and the IMS money balance of that first IMS money account.

Figure 4-2 shows an example of savings management data used in the first automatic savings method. Savings management data 1559 is stored in the memory unit 15 of the household account book server 10. The savings management data 1559 stores the second IMS money account set as a savings account, the savings name set for the second IMS money account, the first IMS money account associated with the second IMS money account, the set target amount set for the second IMS money account (savings name), savings conditions (not limited to, an example of the first condition) for saving IMS money in the second IMS money account, use permission conditions (not limited to, an example of the second condition) for permitting the use of the IMS money saved in the second IMS money account, and the savings balance, which is the balance of IMS money in the second IMS money account.

For example, when an IMS user operates the terminal 20 on the household account book application 281 to set the name of a savings account into which to save IMS money, the second IMS money account and the set savings item are associated with the first IMS money account of the IMS user. This corresponds to, by way of example and not limitation, a process in which a savings account associated with the first IMS money account is set.

Unlike the IMS money in the first IMS money account, the IMS money in the second IMS money account (IMS money equivalent to a savings balance) cannot be used for settlement in the commercial transaction system 60, and cannot be withdrawn to a bank account. In addition, it cannot be transferred from the second IMS money account of one IMS user to the second IMS money account of another IMS user. By way of example and not of limitation, the IMS money in the second IMS money account is an example of electronic money with restricted use.

When the usage permission conditions are satisfied, at least a portion of the IMS money in the second IMS money account can be transferred to the first IMS money account associated with the second IMS money account. Thus, unlike the IMS money in the first IMS money account, the IMS money in the second IMS money account cannot be freely used, withdrawn, transferred, etc., and must first be transferred to the first IMS money account in order to be used, withdrawn, transferred, etc.
In this way, since the IMS money in the second IMS money account cannot be used, withdrawn, transferred, etc. while it remains in the second IMS money account, the second IMS money account can also be said to be a virtual IMS money account.

Thus, by way of example and not limitation, moving IMS money from a first IMS money account to a second IMS money account corresponds to a process of restricting the use of IMS money, and moving IMS money from a second IMS money account to a first IMS money account corresponds to a process of enabling the use of IMS money (a process of lifting the restrictions on the use of IMS money).

In the example of Figure 4-2, IMS user A.A. has set up a second IMS money account [EMA2-001] for moving funds and a second IMS money account [EMA2-002] for travel funds as savings accounts associated with his/her first IMS money account [EMA1-001].

Of these, the second IMS money account [EMA2-001] for moving funds is set up as A.A's personal savings account for moving funds, and is associated only with A.A's first IMS money account [EMA1-001]. Therefore, only IMS money from A.A's first IMS money account [EMA1-001] is saved in the second IMS money account [EMA2-001]. Thus, in this example, the source of electronic money for the second IMS money account [EMA2-001], which is A.A's personal savings account, is limited to A.A's first IMS money account [EMA1-001].

On the other hand, the second IMS money account [EMA2-002] for travel funds was set up as a savings account for "ABC Travel Association," an IMS group to which A.A., B.B., and C.C. belong. Therefore, the second IMS money account [EMA2-002] for travel funds is associated not only with A.A.'s first IMS money account [EMA1-001], but also with B.B.'s first IMS money account [EMA1-002] and C.C.'s first IMS money account [EMA1-003].

In this example, therefore, the second IMS money account [EMA2-002] for travel funds will have deposited therein the IMS money from A.A's first IMS money account [EMA1-001], the IMS money from B.B's first IMS money account [EMA1-002], and the IMS money from C.C's first IMS money account [EMA1-003]. In this way, the sources of electronic money supplied to the second IMS money account [EMA2-002], which is a savings account for the IMS group to which A.A, B.B, and C.C belong, are A.A's first IMS money account, B.B's first IMS money account, and C.C's first IMS money account.

The second IMS money account is associated with a target amount set by the user. For example, the target amount set for the second IMS money account [EMA2-001] for moving funds is 300,000 yen, and the target amounts set for the second IMS money account [EMA2-002] for travel funds are 100,000 yen for A.A, 50,000 for B.B, and 50,000 yen for C.C. In this way, when an IMS group (for example, a group in which a talk room has been formed) saves money for a specific event, it is possible to set different target amounts for each IMS user belonging to the IMS group.

The second IMS money account is associated with savings conditions set by the user, a savings amount per transaction, and usage permission conditions. When the savings conditions are met, IMS money equivalent to the savings amount per transaction is transferred from the first IMS money account associated with the second IMS money account to the second IMS money account. Also, when the usage permission conditions are met, IMS money equivalent to the set target amount is transferred from the second IMS money account to the first IMS money account associated with the second IMS money account.

Figure 4-3 shows, by way of example and not limitation, the relationship between the savings conditions and the savings amount per transaction. For example, an IMS user operates terminal 20 based on processing on a household account management processing program executed on terminal 20 to set the savings conditions and the savings amount per transaction when the savings conditions are met for a set savings item (set second IMS money account), and the savings conditions and the savings amount per transaction are associated with the second IMS money account corresponding to that savings item.

For example, a user can set savings conditions so that money is saved at regular intervals, such as X time every day, X day of every week, or X day of every month. It is also possible to set conditions so that a fixed amount is saved each time for a certain period, such as X yen per day, X yen per week, or X yen per month. For example, a condition can be set so that 1,000 yen is saved at 5 p.m. every day.

The user can also set savings conditions so that savings will occur if the expenditure within a certain period is less than a predefined standard amount, such as less than X yen in a day, less than X yen in a week, or less than X yen in a month. It is also possible to set the amount saved per time to be any percentage of the difference between the standard amount and the expenditure, such as X% of [X yen - daily expenditure], X% of [X yen - weekly expenditure], or X% of [X yen - monthly expenditure]. With regard to these savings conditions, it is also possible to set the timing for determining whether or not the savings conditions are met.

For example, assuming that the upper limit of daily expenditure is 5,000 yen, a condition can be set such that if the daily expenditure is less than 5,000 yen at midnight each day, or when the closing process for the household accounting data is performed, 100% of [5,000 yen - expenditure] will be saved.

In addition, the user can set a savings condition such that savings are made when the bank account balance is equal to or greater than a reference amount, for example, "bank account balance is X yen or more." In addition, the user can set a savings amount per time such that, when the bank account balance is equal to or greater than a reference amount, any percentage of the difference between the bank account balance and the reference amount is saved, for example, "X% of bank account balance exceeding X yen." In addition, the user can set the timing for determining whether or not the savings condition is met.
For example, a condition can be set such that if the balance of a bank account is 500,000 yen or more as of the first day of each month, 50% of the amount exceeding 500,000 yen must be saved.

Also, the user can set a saving condition so that savings will be made when the amount deposited in the bank account is equal to or greater than a reference amount, such as X yen or more.The user can also set a saving amount per transaction so that, when the amount deposited in the bank account is equal to or greater than a reference amount, any percentage of the difference between the amount deposited in the bank account and the reference amount will be saved, such as [X% of the amount deposited in the bank account in excess of X yen].
For example, a condition can be set such that if the amount deposited in a bank account is 300,000 yen or more, 100% of the amount exceeding 300,000 yen is to be saved.

Also, the user can set a saving condition so that saving is performed when the first IMS money account balance is equal to or greater than a reference amount, such as X yen or more. Also, it is possible to set a saving amount per time so that, when the first IMS money account balance is equal to or greater than a reference amount, any percentage of the difference between the first IMS money account balance and the reference amount is saved, such as [X% of the amount exceeding X yen in the first IMS money account balance]. Also, with regard to this saving condition, it is possible to set the timing for determining whether or not the saving condition is met.
For example, a condition can be set such that if the balance of the first IMS money account is 50,000 yen or more as of the first day of each month, 100% of the amount exceeding 50,000 yen will be saved.

Also, the user can set the saving condition so that the saving is made when the charge amount of IMS money to the first IMS money account is equal to or greater than a reference amount, such as X yen or more.The user can also set the saving amount per transaction so that, when the IMS money charge amount to the first IMS money account is equal to or greater than a reference amount, an arbitrary percentage of the difference between the IMS money charge amount to the first IMS money account and the reference amount is saved, such as [X% of the IMS money charge amount in excess of X yen].
For example, a condition can be set such that when the amount of first IMS money charged to the first IMS money account is 5,000 yen or more, 10% of the amount exceeding 5,000 yen is saved.

It is also possible to set multiple combinations of savings conditions and savings amounts per time. For example, if the amount spent per day is less than a standard amount (e.g., 5,000 yen), the difference between the amount spent per day and the standard amount is saved, and further, if the balance in the bank account on the 1st of each month is equal to or greater than the standard amount (e.g., 500,000), 50% of the amount exceeding the standard amount is saved.

In addition, when multiple users (for example, and not by way of limitation, multiple users belonging to the same IMS group) save money in a common second IMS money account under the same savings name, it is possible for each user to have different savings conditions and savings amounts per transaction. For example, one user's savings condition may be "daily expenditure of less than 5,000 yen" and the savings amount per transaction may be [5,000 yen - daily expenditure], whereas another user belonging to the same group may have a savings condition of "daily expenditure of less than 10,000 yen" and the savings amount per transaction may be [10,000 yen - daily expenditure].

4-4 shows non-limiting examples of permission conditions, in which, when the permission conditions are met, at least a portion of the saved IMS money (e.g., IMS money equivalent to a set target amount, the entire amount of IMS money in the second IMS money account, or an amount of IMS money designated by the user) is transferred from the second IMS money account to the first IMS money account.
For example, an IMS user operates terminal 20 based on processing on a household accounting management processing program executed on terminal 20 to set usage permission conditions for a set savings item (set second IMS money account), and the usage permission conditions are associated with the second IMS money account corresponding to that savings item.

For example, the user can set a date Y on which the usage permission conditions will be met. When this usage permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account on the set date Y. In other words, the IMS money can be used, withdrawn, or transferred according to the savings balance.

The user can also set a savings period Y from the start of savings to the end of savings (when the usage permission conditions are met). When this usage permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account when the savings period Y expires.

The user can also set a target amount Y that satisfies the usage permission condition. When this usage permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account when the savings balance reaches the target amount Y.

The user can also set a bank account balance Y that satisfies the use permission condition. When this use permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account when the bank account balance falls below Y.

The user can also set the first IMS money account balance Y that satisfies the usage permission condition. When this usage permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account when the first IMS money account balance falls below Y.

The user can also set a usage authentication Y that satisfies the usage permission conditions. When this usage permission condition is set, the IMS money saved in the second IMS money account is transferred to the first IMS money account when usage authentication Y is completed. Information used in usage authentication Y includes, but is not limited to, a password set by the user of the user ID, a fingerprint of the user of the user ID, etc. Also, it may include a password set by someone other than the user of the user ID, or a fingerprint of another person. For example, if saving money for a group trip, fingerprint authentication of all members of the group can be set as usage authentication Y, so that the funds cannot be used without the consent of all members of the group.

It is also possible to combine multiple conditions such as those described above. For example, it is possible to set it so that when the savings balance reaches a set target amount Y, the use permission condition is met based on the execution of use authentication Y.

The savings conditions and savings amount per transaction, as well as the usage permission conditions shown above, can be set individually for each set savings account, i.e., for each second IMS user account. For example, a condition can be set such that if the daily expenditure is less than the base amount, 50% of the difference between the base amount and the expenditure is saved under the first savings account, and the remaining 50% is saved under the second savings account.

<Display screen example>
Below, the saving method in this embodiment will be explained by showing an example of a display screen that is displayed on the display unit 24 of the terminal 20 based on the data shown in Figures 4-1 and 4-2 as a result of the household account book application processing program 283 being executed.

In FIG. 4-5, the savings condition is set to "daily expenditure of less than 5,000 yen" and the amount saved per time is set to "5,000 yen - daily expenditure," so the screen displays "5,000 yen" as "money available for today" and "1,000 yen" as "today's expenditure." "Today's expenditure" is calculated and displayed based on the total amount of expenditure for the day stored in the household account book data 1551.

And based on the setting that 75% of the difference between "money available today" and "today's expenses" is saved as moving funds, and the remaining 25% is saved as travel funds, it is displayed that 3,000 yen of the 4,000 yen difference has been saved as moving funds (moving funds: +3,000 yen), and the remaining 1,000 yen has been saved as travel funds (travel funds: +1,000 yen).

When the user clicks the button labeled "Details" on this screen, it displays, as shown in Figure 4-6, that the set target amount for moving funds is 300,000 yen, the remaining savings balance for moving funds is 220,000 yen, and 80,000 yen is needed to reach the set target amount.

It also shows that the target amount for the trip is 200,000 yen, that A.A.'s savings balance for the trip is 70,000 yen, and that 30,000 yen is needed to reach the set target amount, that B.B.'s savings balance for the trip is 30,000 yen, and that 20,000 yen is needed to reach the set target amount, and that C.C.'s savings balance for the trip is 25,000 yen, and that 25,000 yen is needed to reach the set target amount. It also shows that the total savings balance for the three people's trip is 125,000 yen, and that 75,000 yen is needed to reach the set target amount.

When the user operates the button marked "Change Settings" on the screens in Figures 4-5 and 4-6, the user can individually change the savings conditions for each savings item, the savings amount per transaction, and the usage permission conditions. In this way, each condition can be changed at a stage before the usage permission conditions are met (during the savings period).

Figure 4-7 shows a screen informing the user that A.A.'s savings balance for moving funds has reached the set target amount of 300,000 yen. At this time, the usage permission conditions have been met, and the saved IMS money of 200,000 yen has been transferred from A.A.'s own second IMS money account [EMA2-001] to A.A.'s first IMS money account [EMA1-001].

Figure 4-8 shows a screen informing that A.A's travel savings balance has reached the set target amount of 100,000 yen. At this time, it is displayed that A.A's travel savings balance is 100,000 yen, with 0 yen remaining until the set target amount of 100,000 yen, B.B's travel savings balance is 45,000 yen, with 5,000 yen remaining until the set target amount of 50,000 yen, and C.C's travel savings balance is 40,000 yen, with 10,000 yen remaining until the set target amount of 50,000 yen.

The display shows that the total savings balance for the three people's travel funds is 185,000 yen, with 15,000 yen remaining until the set target amount. At this time, the permission to use condition has not been met, so the currently saved IMS money of 185,000 yen has not been transferred from the second IMS money account to the first IMS money account.

Figure 4-9 shows a screen informing users that the total balance of the savings for travel funds of three people belonging to the same group has reached the set target amount of 200,000 yen. At this time, it is displayed that A.A.'s savings balance for travel funds is 100,000 yen, and there is 0 yen remaining until the set target amount of 100,000 yen, B.B.'s savings balance for travel funds is 50,000 yen, and there is 0 yen remaining until the set target amount of 50,000 yen, and C.C.'s savings balance for travel funds is 50,000 yen, and there is 0 yen remaining until the set target amount of 50,000 yen.

The total savings balance for the three people's travel funds is now 200,000 yen, and it is displayed that there is 0 yen remaining until the set target amount. At this time, as the use permission condition has been met, the 200,000 yen of IMS money saved in the second IMS money account has been moved from the second IMS money account to the first IMS money account. Specifically, A. A's travel savings balance of 100,000 yen has been moved from the second IMS money account [EMA2-002] shared by the three people to A. A's first IMS money account [EMA1-001], B. B's travel savings balance of 50,000 yen has been moved from the second IMS money account [EMA2-002] shared by the three people to B. B's first IMS money account [EMA1-002], and C. C's travel savings balance of 50,000 yen was transferred from the second IMS money account [EMA2-002] shared by the three people to C.C's first IMS money account [EMA1-003].

Figures 4-10, 4-11, and 4-12 are diagrams showing an example of savings-related processing by the terminal 20, the household account book server 10, the IMS money server 40, and the bank server 50. As a non-limiting example, the terminal 20 executes household account book application processing based on the household account book application processing program 283, the household account book server 10 executes savings management processing based on the savings management processing program 1515, and the IMS money server 40 executes savings processing based on the savings processing program 4513. In addition, the bank server 50 performs a withdrawal from the bank account to the first IMS money account based on information received from the IMS money server 40.

When the user of the terminal 20 sets the savings conditions, the amount saved per transaction, and the usage permission conditions on the terminal 20 (D1), setting information including this information is sent from the terminal 20 to the household accounting server 10 (D3). When the household accounting server 10 receives the setting information, it stores the setting information in the memory unit 15, and thereafter executes savings management processing based on the setting information (E1). In this way, various settings related to savings are made for each user.

The household accounting server 10 determines whether the set savings conditions are met (E3), and if the savings conditions are not met (E: NO), waits for the savings conditions to be met. If the savings conditions are met (E3: YES), it sends a transfer instruction to the IMS money server 40 to transfer IMS money equivalent to the savings amount per transaction from the first IMS money account to the second IMS money account (E5).

When the IMS money server 40 receives the transfer instruction of E5, it judges whether the first IMS money account balance is equal to or greater than the saving amount per transaction included in the transfer instruction (F1). If the first IMS money account balance is less than the saving amount per transaction (F1: NO), it sends a withdrawal instruction to the bank server 50 to instruct the bank server 50 to withdraw a predetermined amount from the bank account to the IMS money server 40 (first IMS money account) (F3). This predetermined amount is, by way of example and not by way of limitation, the amount of charge when the auto-charge function is set to automatically charge IMS money based on the bank account balance when the first IMS money account balance falls below an amount set by the user (e.g., 500 yen), and may be, for example, 10,000 yen. The predetermined amount may be the difference between the first IMS money account balance and the saving amount per transaction, i.e., only the shortfall in the saving amount per transaction.

On the other hand, if the balance of the first IMS money account is equal to or greater than the amount saved per transaction (F1: YES), the process proceeds to F9.

When the bank server 50 receives the withdrawal instruction, it performs settings to withdraw the specified amount included in the withdrawal instruction (G1) and sends a withdrawal setting notification to the IMS money server 40 (G3). The IMS money server 40, which has received the withdrawal setting notification, charges the first IMS money account with IMS money equivalent to the specified amount (F5) and sends a charge completion notification to the bank server 50 (F7). Then, the process proceeds to F9.

Then, upon receiving the charge completion notification, the bank server 50 subtracts a predetermined amount from the bank account balance (G5) and ends the process.

The IMS money server 40 transfers IMS money equivalent to the amount saved per transaction from the first IMS money account to the second IMS money account (F9). Then, the IMS money server 40 transmits a first transfer completion notification to the household account book server 10 to notify that one transaction of the savings process has been completed (F11).

When the household accounting server 10 receives the first transfer completion notification, it determines whether the balance of the second IMS money account, i.e., the savings balance, has reached the set target amount (E7). If the savings balance has not reached the set target amount (E7: NO), it sends a first savings completion notification including the amount saved this time (savings amount per transaction) and the updated savings balance to the terminal 20 (E9), and ends the process. When the terminal 20 receives the first savings completion notification, it displays the amount saved this time and the updated savings balance on the display unit 24 (D5), as shown in Figure 4-5, and ends the process.

When the savings balance has reached the set target amount (E7: YES), the household accounting server 10 sends a usage permission notice to the IMS money server 40 that authorizes the use of the savings, i.e., the transfer of the IMS money in the second IMS money account to the first IMS money account (E11). This usage permission information includes the amount of IMS money to be transferred from the second IMS money account to the first IMS money account. The usage permission information includes, by way of example and not limitation, the set target amount, the total amount of savings (total amount of IMS money in the second IMS money account), an amount specified by the user, etc., as the amount of IMS money to be transferred.

When the IMS money server 40 receives the use permission notification, it transfers the amount of IMS money included in the use permission notification from the second IMS money account to the first IMS money account (F13), sends a second transfer completion notification to the household accounting server 10 notifying that the amount of IMS money specified in the use permission notification has been transferred (F15), and ends the process.

When the household accounting server 10 receives the second transfer completion notification, it sends a second savings completion notification to the terminal 20 (E13), which includes the amount saved this time (savings amount per transaction), the updated savings balance (savings balance that has reached the set target amount), and a target amount reaching notification notifying the user that the set target amount has been reached. Then, the processing ends.

When the terminal 20 receives the second savings completion notification, it causes the display unit 24 to display the amount saved this time and the updated savings balance (the savings balance that has reached the set target amount), as shown in FIG. 4-7, and also causes the display unit 24 to display a message or the like informing the user that the set target amount has been reached (D7), and then ends the process.

<Effects of the Second Example>
The second embodiment shows a configuration in which the terminal 20 receives a first savings completion notification from the household accounting server 10 and displays the amount of IMS money saved this time on the display unit 24 based on the execution of control to transfer IMS money equivalent to the savings amount per time from a first IMS money account associated with the bank account of the user of the terminal 20 to a second IMS money account based on the satisfaction of a savings condition (not limited to this, an example of the first condition).
As an example of the effect that can be obtained by such a configuration, a user can set the savings conditions and the amount to be saved per time, so that IMS money is automatically saved, and the amount of IMS money that has been automatically saved can be kept track of.

In addition, the second embodiment shows a configuration in which, based on a household accounting server 10 instructing IMS money server 40 to move a preset savings amount per transaction of the IMS money in the first IMS money account from the first IMS money account to the second IMS money account, IMS money server 40 transfers the instructed savings amount per transaction from the second IMS money account to the first IMS money account.
As an example of the effect obtained by such a configuration, the amount of savings per transaction set by the user can be saved through the processing of the household account book server 10 and the IMS money server 40 .

In addition, the second embodiment shows a configuration in which, when the household accounting server 10 determines that the savings balance in the second IMS money account has reached the set target amount previously set by the user (not limited to this, an example of the second condition being met), it sends a second savings completion notification to the terminal 20, and the terminal 20 which receives the second savings completion notification notifies on the display unit 24 that the savings balance has reached the set target amount.
As an example of the effect obtained by such a configuration, the user can know when the savings balance has reached the set target amount.

In addition, the second embodiment shows a configuration in which the control by the household accounting server 10 to allow the use of saved IMS money is to move IMS money equivalent to a set target amount from the second IMS money account to the first IMS money account.
As an example of the effect obtained by such a configuration, the savings amount equivalent to the set target amount set by the user can be used through the processing of the household account book server 10 and the IMS money server 40.

Moreover, the second embodiment shows a configuration in which the savings conditions and the savings amount per time are set by the user of the terminal 20 .
The configuration also shows that it is possible to change the savings conditions and the savings amount per time that have been set even when the second condition is not met (including but not limited to when the savings balance is not set to the set target amount or when the set savings period has not expired).
As an example of the effect obtained by such a configuration, the savings conditions and the amount saved per time can be set or changed according to the user's circumstances.

Moreover, the second embodiment shows a configuration in which the savings conditions and the amount saved per time are different for users belonging to the same group.
As an example of the effect obtained by such a configuration, each user belonging to the same group can set or change the savings conditions and the amount saved per time according to individual circumstances.

In addition, the second embodiment shows a configuration in which the amount of IMS money (not limited to, but an example of the amount of electronic money subject to control restricting use) to be deposited in the second IMS money account differs depending on the users belonging to the same group.
As an example of the effect obtained by such a configuration, each user belonging to the same group can set or change the amount of savings per time or the target amount according to individual circumstances.

Moreover, the second embodiment shows an example in which the use permission condition (not limited to, but an example of the second condition) is set by the user.
As an example of the effect obtained by such a configuration, the permission conditions for use can be set or changed according to the circumstances of the user.

<Second Modification Example (1)>
In the second embodiment, when multiple users (for example, but not limited to, a first user and a second user belonging to the same IMS group) are saving money in a common second IMS money account under the same name of savings, IMS money equivalent to the savings amount per time set by the second user is transferred from the first IMS money account associated with the bank account of the second user to the common second IMS money account based on the establishment of the savings conditions set by the second user (for example, but not limited to, another user). At this time, the household accounting server 10 can send a first savings completion notice (E9) based on the savings of the second user not only to the terminal 20 of the second user but also to the terminal 20 of the first user.
Then, based on the first user's terminal 20 receiving a first savings completion notice based on the savings of the second user, the terminal 20 causes the display unit 24 to display the current savings amount of the second user and the second user's remaining savings amount, which are included in the first savings completion notice.

In the example shown in FIG. 4-13, the display unit 24 of A.A's terminal 20 displays savings information for B.B, who belongs to the IMS group "ABC Travel Club" to which A.A belongs. In this example, information is displayed showing that B.B, who belongs to "ABC Travel Club," has saved 1,000 yen based on the transfer of 1,000 yen worth of IMS money from B.B's first IMS money account "EMA1-002," which is associated with B.B's bank account "BK002," to the second IMS money account "EMA2-002," which is used for travel funds for "ABC Travel Club."

The screen shown in FIG. 4-13 shows that the savings amount of the first user (A.A) has reached the set target amount for the first user (A.A), but the savings amount of the second user (B.B), who belongs to the same group as the first user, has not reached the set target amount for the second user (B.B). Based on this, the display unit 24 of the terminal 20 of the first user (A.A) displays that the savings amount of the first user (A.A) has already reached the set target amount, that the second user (B.B) has saved money, the increase in the savings amount of the second user (B.B) due to this savings, and the updated savings amount of the second user (B.B) due to this savings.

<Effects of the second modified example (1)>
As an example of the effect obtained by such a configuration, users belonging to the same group can grasp each other's savings situation in detail.

<Second Modification Example (2)>
In the configuration of the second modified example (1), when the use permission condition (not limited to, but an example of the second condition) set by the second user is satisfied, IMS money equivalent to the set target amount set by the second user is transferred from the common second IMS money account to the first IMS money account associated with the bank account of the second user. At this time, the household account book server 10 can transmit a second savings completion notification (E13) based on the second user's savings balance reaching the set target amount not only to the terminal 20 of the second user but also to the terminal 20 of the first user.
Then, based on the first user's terminal 20 receiving a second savings completion notification based on the second user reaching the set target amount, the terminal 20 causes the display unit 24 to display the second user's current savings amount and the second user's remaining savings balance contained in the second savings completion notification, and also notifies the user on the display unit 24 that the second user's remaining savings balance has reached the set target amount.

In the example shown in FIG. 4-14, the display unit 24 of A.A's terminal 20 displays that the savings amount of B.B., who belongs to the IMS group "ABC Travel Club" to which A.A. belongs, has reached the target amount set by B.B.

The screen shown in FIG. 4-14 shows that the savings amount of the first user (A.A) has reached the set target amount for the first user (A.A) and that the savings amount of a second user (B.B), who belongs to the same group as the first user, has also reached the set target amount for the second user (B.B). Based on this, the display unit 24 of the terminal 20 of the first user (A.A) displays that the savings amount of the first user (A.A) has already reached the set target amount and that the savings amount of the second user (B.B) has reached the set target amount as a result of the second user (B.B) saving this time.

<Effects of the second modified example (2)>
As an example of the effect obtained by such a configuration, a user belonging to a group can know when the savings balance of another user belonging to the same group has reached a target amount set by the other user.

<Second Modification Example (3)>
In the second embodiment, when multiple users (for example, but not limited to, a first user and a second user belonging to the same IMS group) are saving money in a common second IMS money account under the same savings name, even if the savings balance of the first user reaches the set target amount set by the first user, if the savings balance of the second user has not yet reached the set target amount set by the second user, IMS money equivalent to the set target amount set by the first user is not transferred from the common second IMS money account to the first IMS money account of the first user, and then, based on the second user's savings balance reaching the set target amount set by the second user, IMS money equivalent to the set target amount set by the first user is transferred from the common second IMS money account to the first IMS money account of the first user.
Without being limited to this configuration, when the savings balance of a first user reaches the set target amount set by the first user, IMS money equivalent to the set target amount set by the first user may be transferred from the common second IMS money account to the first IMS money account of the first user, even if the savings balance of a second user has not yet reached the set target amount set by the second user.

<Effects of the second modified example (3)>
As an example of the effect obtained by such a configuration, when a user belonging to a group's savings balance reaches a target amount set by the user, the user can use his/her own savings balance regardless of the savings situation of other users belonging to the same group.

<Second Modification Example (4)>
In the second embodiment, an example has been described in which the control for restricting the use of IMS money is to move the IMS money from the first IMS money account to the second IMS money account. However, it is possible to restrict the use of the IMS money in the first IMS money account without moving it to another IMS money account (savings account). Specifically, a savings flag is set for the IMS money in the first IMS money account that corresponds to the savings balance. The IMS money for which the savings flag is set cannot be used for settlement in the commercial transaction system 60, and cannot be withdrawn to a bank account, as with the IMS money in the second IMS money account in the second embodiment. In addition, the IMS money for which the savings flag is set cannot be transferred from the first IMS money account of one IMS user to the first IMS money account of the other IMS user. By way of example and not of limitation, the IMS money for which the savings flag is set is an example of electronic money whose use is restricted.
Also, without being limiting, setting a savings flag for at least a portion of the IMS money in the first IMS money account is an example of a process for setting a second condition that allows use of at least a portion of the electronic money in the first electronic money account.

Figure 4-15 shows an example of savings management data 1559a that manages savings balances based on savings flags. A. Among the IMS money in A's first IMS money account [EMA1-001], the IMS money with an amount equivalent to the savings balance of the savings account with the savings account name "moving funds" has a savings flag with a savings flag ID of [EMF01-EMA1-001] set. This savings flag ID contains information [EMF01] that identifies the savings account name "moving funds" and information that identifies A. A's first IMS money account [EMA1-001].

<Effects of the second modified example (4)>
One advantage of this configuration is that it eliminates the need to set up a savings IMS money account separate from the first IMS money account.

<Second Modification Example (5)>
In the second modified example (4), every time the saving condition set by the user is satisfied, a saving flag ID corresponding to the saving name is cumulatively set to the IMS money in the first IMS money account of the user for which a saving flag has not yet been set, the IMS money being equivalent to the saving amount per time set by the user. By executing such control, every time the saving condition is satisfied, the savings balance increases by the amount equivalent to the saving amount per time.

When the savings balance reaches the set target amount, the savings flag ID of the IMS money in an amount equivalent to the set target amount among the IMS money for which the savings flag ID corresponding to that savings item is set is unset (deleted) and the IMS money becomes usable. At this time, the household account book server 10 transmits a second savings completion notification to the terminal 20 (E13), which includes the amount saved this time (savings amount per time), the updated savings balance (savings balance that has reached the set target amount), and a target amount reached notification notifying the user that the set target amount has been reached.

When the terminal 20 receives the second savings completion notification, it causes the display unit 24 to display the amount saved this time and the updated savings balance (the savings balance that has reached the set target amount), as shown in FIG. 4-7, and also causes the display unit 24 to display a message informing the user that the set target amount has been reached.

<Effects of the second modified example (5)>
As an example of the effect that can be obtained by such a configuration, the saved IMS money can be used without transferring the account.

<Second Modification Example (6)>
In the second variant (4) or the second variant (5), when multiple users save money under the same savings account, a savings flag ID including information identifying the savings account (group) and information identifying the first IMS money account of the users belonging to that group is set for each remaining savings amount for that savings account of the users belonging to that group.
For example, as shown in FIG. 4-15, when A.A, B.B, and C.C who belong to the same IMS group save money under the name of saving for travel funds, the savings flag ID [EMF02-EMA1-XXX] is set for the IMS money corresponding to that savings name (savings balance for moving funds) among the IMS money in the first IMS money account of each user.

Specifically, in the IMS money in A.'s first IMS money account, a savings flag ID [EMF02-EMA1-001] is set corresponding to the savings balance corresponding to the savings name of travel funds, in the IMS money in B.'s first IMS money account, a savings flag ID [EMF02-EMA1-002] is set corresponding to the savings balance corresponding to the savings name of travel funds, in the IMS money in B.'s first IMS money account, and a savings flag ID [EMF02-EMA1-003] is set corresponding to the savings balance corresponding to the savings name of travel funds in the IMS money in C.'s first IMS money account. Each savings flag ID includes information [EMF02] that identifies the common savings name "travel funds" and information [EMA1-001 to 003] that identifies each user's first IMS money account. Using this savings flag ID, the household accounting server 10 can manage the savings balance of each user for each savings name.

In such a case, based on the establishment of the savings condition set by B.B (not limited to this, but an example of another user), the savings flag ID [EMF02-EMA1-002] is set for the IMS money equivalent to the savings amount per time set by B.B among the IMS money (IMS money not included in the savings balance) for which the savings flag ID is not set in the first IMS money account associated with B.B's bank account. At this time, the household account book server 10 can transmit the first savings completion notice (E9) based on B.B's savings not only to the terminal 20 of B.B but also to the terminal 20 of A.A.
Then, based on the receipt of the first savings completion notice based on B.B's savings, A.A's terminal 20 displays B.B's current savings amount and B.B's remaining savings amount, which are included in the first savings completion notice, on the display unit 24 (see FIG. 4-13).

<Effects of the second modified example (6)>
As an example of the effect obtained by such a configuration, users belonging to the same group can grasp each other's savings situation in detail.

<Second Modification Example (7)>
In the configuration of the second modified example (6), based on the establishment of the use permission condition (not limited to, but an example of the second condition) set by B.B, among the IMS money for which the savings flag ID [EMF02-EMA1-002] is set, the savings flag ID of the IMS money in an amount equivalent to the set target amount is set to an unset state (deleted) and becomes usable. At this time, the household account book server 10 can transmit the second savings completion notification (E13) based on the fact that B.B's savings balance has reached the set target amount not only to the terminal 20 of B.B but also to the terminal 20 of A.A.
Then, based on receiving the second savings completion notice based on B.B's reaching the set target amount, A.A's terminal 20 displays B.B's current savings amount and B.B's savings balance included in the second savings completion notice on the display unit 24, and notifies the user on the display unit 24 that B.B's savings balance has reached the set target amount (see FIG. 4-14).

<Effects of the second modified example (7)>
As an example of the effect obtained by such a configuration, a user belonging to a group can know when the savings balance of another user belonging to the same group has reached a target amount set by the other user.

<Second Modification Example (8)>
In the second embodiment, the household accounting server 10 may store user attribute information as the user registration data 153, and may display information encouraging the user to start saving on the user's terminal 20 based on the user's attribute information. Specifically, the household accounting server 10 stores the birth dates of the user's family members as attribute information. Then, a predetermined period (e.g., January) before the birthday of the user's family member, the household accounting server 10 transmits to the user's terminal 20 event information (including but not limited to information based on the attribute information) informing the user that a predetermined period remains until the birthday of the user's family member, and a recommendation notice encouraging the user to start saving.

When the terminal 20 receives this information from the household accounting server 10, it displays a message such as "There is one month left until a family member's birthday" on the display unit 24 based on the event information, as shown in FIG. 4-16, and displays a message such as "Do you want to start saving money?" on the display unit 24 based on the recommendation notification.

When the user selects the icon labeled "Start Savings" on the screen shown in FIG. 4-16, the screen transitions to one for setting the savings conditions (first condition) and the usage permission conditions (second condition). On this screen, the user sets the savings conditions (first condition) and the usage permission conditions (second condition), and a new savings account (e.g., a second IMS money account) is created under the heading of "family member's birthday" savings.

<Effects of the second modified example (8)>
As an example of the effect of such a configuration, it becomes possible to effectively utilize the user's attribute information to encourage the user to start saving money.

Reference Signs List 1 Communication system 10 Household accounting server 20 Terminal 30 Network 40 IMS money server 50 Bank server 60 Commercial transaction system

Claims (5)

A program executed by a server in communication with a first terminal and a second terminal ,
A first control is executed by a control unit of the server to transfer a first amount of a balance of a first electronic money account of a first user of the first terminal having a first bank account to a savings electronic money account , and a second control is executed to transfer a second amount of a balance of a second electronic money account of a second user of the second terminal having a second bank account to the savings electronic money account;
transmitting , by a communication unit of the server, first information on the amount of the electronic money subject to the first control and second information on the amount of the electronic money subject to the second control to the first terminal ;
A program that, if the balance of the first electronic money account is less than the first amount, charges a predetermined amount to the first electronic money account from the balance of the first bank account and then executes the first control, and, if the balance of the second electronic money account is less than the second amount, charges a predetermined amount to the second electronic money account from the balance of the second bank account and then executes the second control. The program of claim 1,
The program executed by the server causes the control unit to execute control to transfer an amount of the balance of the savings electronic money account that was transferred from the first electronic money account to the first electronic money account, and to transfer an amount of the balance of the savings electronic money account that was transferred from the second electronic money account to the second electronic money account, based on the first condition related to the electronic money that is the subject of the first control and a second condition related to the electronic money that is the subject of the second control being satisfied. The program of claim 1,
The program executed by the server causes the control unit to execute control to transfer, based on the balance of the first bank account falling below a predetermined amount, the amount of the balance of the savings electronic money account that was transferred from the first electronic money account to the first electronic money account, and, based on the balance of the second bank account falling below a predetermined amount, to transfer, based on the balance of the second bank account falling below a predetermined amount, the amount of the balance of the savings electronic money account that was transferred from the second electronic money account to the second electronic money account. An information processing method for a server communicating with a first terminal and a second terminal , comprising:
A first control is executed by a control unit of the server to transfer a first amount of a balance of a first electronic money account of a first user of the first terminal having a first bank account to a savings electronic money account , and a second control is executed to transfer a second amount of a balance of a second electronic money account of a second user of the second terminal having a second bank account to the savings electronic money account;
transmitting first information on the amount of the electronic money subject to the first control and second information on the amount of the electronic money subject to the second control to the first terminal by a communication unit of the server ;
An information processing method, wherein, if the balance of the first electronic money account is less than the first amount, a predetermined amount is charged to the first electronic money account from the balance of the first bank account and then the first control is executed, and, if the balance of the second electronic money account is less than the second amount, a predetermined amount is charged to the second electronic money account from the balance of the second bank account and then the second control is executed. A server in communication with a first terminal and a second terminal ,
a control unit that executes a first control to transfer a first amount of a balance of a first electronic money account of a first user of the first terminal having a first bank account to a savings electronic money account, and a second control to transfer a second amount of a balance of a second electronic money account of a second user of the second terminal having a second bank account to the savings electronic money account ;
a communication unit configured to transmit, to the first terminal, first information on an amount of the electronic money that has become the subject of the first control and second information on an amount of the electronic money that has become the subject of the second control;
The control unit, when the balance of the first electronic money account is less than the first amount, charges a predetermined amount to the first electronic money account from the balance of the first bank account and then executes the first control, and when the balance of the second electronic money account is less than the second amount, charges a predetermined amount to the second electronic money account from the balance of the second bank account and then executes the second control.

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