JP7492053B2 - Information Processing System - Google Patents

Description

The present invention relates to technology that supports investment and management in financial products, and in particular to a fractional fund transfer and accumulation system that serves as an information processing system that is effective in helping customers save funds to purchase financial products, and to a program and method used therein.

2. Description of the Related Art Generally, financial institutions such as banks and securities companies provide various financial products to customers (users) such as individual investors for effective investment and asset management.
In order to effectively build assets through financial products, it is desirable to purchase a certain amount of financial products. In addition, some financial products have minimum purchase prices or minimum deposit amounts.
Therefore, in order to effectively invest and manage assets using financial products, it is first necessary to have funds to purchase the desired financial products. Therefore, for users, efficiently forming and saving funds to purchase the desired financial products is an important issue.

In order to save money to purchase financial products, it is common to cut down on and save on daily spending while, for example, setting aside a fixed amount each month.
However, although it is desirable to curb and save on daily spending, it is actually difficult to vaguely curb spending unless there is a specific numerical target, and it is difficult to achieve the target savings amount simply by "reducing spending and saving."

On the other hand, saving a fixed amount every month can be achieved by, for example, using a savings deposit that allows automatic deductions, ensuring that the target amount is saved.
However, forcing a certain amount of money to be forcibly saved every month may make it difficult for the user to save depending on the income and expenditure situation at the time, for example, when unexpected expenses occur. For this reason, it is not rare for the user to not achieve the target savings amount, including mid-way cancellation.
In addition, savings in which a fixed amount is automatically deducted are conducted regardless of the user's efforts to curb spending or their behavioral patterns, making them uninteresting and providing little motivation or opportunity to encourage users to save.

For these reasons, there has been a demand for technology and services that encourage users to proactively save by encouraging them to be frugal and cut back on spending, while also allowing them to effectively save a target amount in a flexible and dynamic manner rather than simply making fixed deposits. However, no effective proposals have been made to date.
Patent Document 1 discloses an "automatic savings system" that automatically saves a portion of the withdrawal amount when a deposit is withdrawn from an account at a financial institution.
According to the system of Patent Document 1, "the more you withdraw money, the more money you save," which allows you to increase the balance of your automatic savings account.

Patent Document 1: JP 2003-132224 A

However, in the system disclosed in Patent Document 1, a portion of the deposit withdrawal amount (for example, 20% of the withdrawal amount) is saved or transferred to a separate savings account, so an increase in the savings amount also means an increase in the withdrawal amount.
For this reason, for example, if an extra withdrawal is made in anticipation of the amount to be saved (20% of the withdrawal amount), the user's total savings amount will not increase, and this is not an effective savings method.

In addition, the fact that part of the repayment amount was put towards savings did not encourage people to curb spending or be frugal, and there was no goal or excitement in saving. Rather, the more money was repaid, the more savings there would be, which could lead to unnecessary and unnecessary repayments.
For this reason, the system of Patent Document 1 does not solve the problem of enabling a person to continuously save money while controlling and saving on daily expenditures in order to obtain funds to purchase the above-mentioned financial products.

The present invention has been proposed to solve the problems associated with the conventional technology described above, and aims to provide a fractional funds transfer and accumulation system and a program and method for use therein, which calculates a predetermined fractional amount based on the user's daily payments, etc., and transfers it as savings toward a target amount, thereby enabling efficient and continuous savings to be achieved within reasonable limits, and also encouraging spending control and frugality, naturally encouraging and stimulating proactive savings behavior, making it suitable for saving funds to purchase financial products, etc.

To achieve the above object, the information processing system of the present invention is an information processing system equipped with a storage means, a calculation means, and an instruction means, the storage means stores a predetermined rule and information regarding a first account of a user, the calculation means calculates a transfer amount to be transferred from the first account to the second account of the user based on the predetermined rule, the instruction means transmits a predetermined fund transfer instruction information to a predetermined financial institution device that manages the first account based on the transfer amount, the predetermined rule is a rule that calculates the transfer amount as a fractional amount equivalent to the change generated when paying in cash using each usage amount in a record of card usage details information including the usage amount and usage content, and the instruction means transmits a fund transfer instruction information that sums up multiple fractional amounts in the record of the usage details information to the financial institution device at regular intervals.

The present invention can also be configured as a fractional fund transfer and accumulation program executed in the fractional fund transfer and accumulation system of the present invention as described above.
Furthermore, the present invention can also be configured as a fractional fund transfer and accumulation method that can be implemented by the fractional fund transfer and accumulation system and program according to the present invention as described above.

According to the present invention, a predetermined fractional amount can be calculated based on the user's daily payments, etc., and this can be transferred as savings towards a target amount.
This will enable people to save efficiently and continuously within reasonable limits, and will naturally encourage and motivate them to take a proactive approach to savings by encouraging them to curb spending and save less.
Therefore, it is possible to provide a service that flexibly meets the diverse needs of investors, and is particularly suitable for helping individual investors save funds to purchase financial products.

1 is a block diagram showing a configuration of a fractional fund transfer and accumulation system according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing an example of a "funds calculation rule" that can be set in the fractional funds transfer and accumulation system according to one embodiment of the present invention. FIG. 2 is an explanatory diagram showing an example of a fund transfer processing operation in the fractional fund transfer and accumulation system according to one embodiment of the present invention. FIG. 4 is an explanatory diagram showing an example of a fund transfer processing operation in the fractional fund transfer and accumulation system according to one embodiment of the present invention, following FIG. 3 . FIG. 11 is an explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, where (a) shows accumulated fund information at a time corresponding to FIG. 3, and (b) shows accumulated fund information at a time corresponding to FIG. 4. FIG. 11 is an explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, in which (a) shows a setting screen which selectably displays various setting items which can be set in the fractional fund transfer and accumulation system, (b) shows the setting screen for the "fund calculation rule" selected in (a), and (c) shows the setting screen for the "monthly closing date" selected in (a). An explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, in which (a) shows the setting screen for the "alert notification" selected in Figure 6(a), (b) shows the setting screen for the "monthly target savings amount" and "savings rules" for which an alert notification is selected in (a), and (c) shows the setting screen for the "monthly target savings amount" selected in Figure 6(a). FIG. 6 is an explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, in which (a) shows the setting screen for the "Funds Savings Account" selected in FIG. 6(a), (b) shows the setting screen for the "Create a New Funds Savings Account" selected in (a), and (c) shows the setting screen for the "Donations" account selected and set in (b). FIG. 4 is an explanatory diagram showing an example of the processing operation of fund transfer in a fractional fund transfer and accumulation system according to one embodiment of the present invention, showing a case where a "donation" account is set in addition to a "standard" account in the fund situation corresponding to FIG. FIG. 10 is an explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, where (a) shows accumulated fund information in a "standard" account at the time corresponding to FIG. 9, and (b) shows accumulated fund information in a "donation" account. This is an explanatory diagram following Figure 9 showing an example of the processing operation of funds transfer in a fractional funds transfer and accumulation system related to one embodiment of the present invention, and shows a case where funds are transferred to a "donations" account in a financial situation corresponding to Figure 4. 11A and 11B are explanatory diagrams showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, in which (a) shows accumulated fund information in a "standard" account at the time corresponding to FIG. 11, and (b) shows accumulated fund information in a "donation" account. FIG. 11 is an explanatory diagram showing an example of a display screen output and displayed on a customer terminal in a fractional fund transfer and accumulation system according to one embodiment of the present invention, in which (a) shows the setting screen for "Create a new savings account" similar to that shown in FIG. 8(b), (b) shows the setting screen for the "donation" account selected and set in (a), and (c) shows the detailed setting screen for "shared" selected in (b).

Hereinafter, an embodiment of a fractional fund transfer and accumulation system will be described as an information processing system according to the present invention with reference to the drawings.
The fractional fund transfer and accumulation system of the present invention described below is realized by processes, means, and functions executed by a computer according to instructions from a program (software). The program sends commands to each component of the computer, and can cause it to perform the specified processes and functions of the present invention described below. In other words, each process, means, and function of the present invention is realized by a specific means in which the program and the computer work together.

All or part of the program is provided, for example, on a magnetic disk, optical disk, semiconductor memory, or any other computer-readable recording medium, and the program is read from the recording medium and installed on the computer for execution. The program can also be loaded directly into the computer via a communication line and executed without using a recording medium. The fractional fund transfer and accumulation system of the present invention can be configured with a single information processing device (for example, one personal computer, etc.) or multiple information processing devices (for example, a group of multiple server computers, etc.).

[System configuration]
FIG. 1 shows the configuration of a fractional fund transfer and accumulation system according to one embodiment of the present invention.
The system according to one embodiment of the present invention shown in the figure is configured as a fractional fund transfer and accumulation system 1 comprising a fractional fund transfer and accumulation server 10, financial institution devices 20, 30, and a customer terminal 40.
The fractional fund transfer and accumulation server 10, financial institution devices 20, 30, and customer terminal 40 that constitute the fractional fund transfer and accumulation system 1 are connected to each other so as to be able to communicate data with each other via a predetermined network such as the Internet.

[Fraction Funds Transfer and Accumulation Server 10]
The fractional funds transfer and accumulation server 10 is an information processing device that transfers funds from a client's fund account to a specified accumulation account based on rule information set in response to the client's input operations, and accumulates a specified target amount, and constitutes the fractional funds transfer and accumulation system of the present invention.
Specifically, the fractional funds transfer and accumulation server 10 can be configured, for example, by one or more server computers, or a server system consisting of one or more virtual servers constructed on a cloud computing service. Note that the components of the fractional funds transfer and accumulation server 10 shown in Figure 1 can also be provided in the client terminal 40 as appropriate, and for example, the funds calculation rule DB 11, funds calculation means 13 and funds calculation result DB 14 can also be implemented on the client terminal 40.
The fractional fund transfer and accumulation server 10 is provided with an OS (Operating System) and a DBMS (Database Management System) (not shown) and is operated as a server computer.

The fractional fund transfer and accumulation server 10 is implemented with software that runs on middleware such as a Web server program.
This software publishes and provides available applications to one or more customer terminals 40 via a network such as the Internet in the form of, for example, an API (Application Programming Interface).
As a result, each customer terminal 40 can execute the functions of the fractional fund transfer and accumulation system of the present invention by calling up a dedicated application program or web browser, etc., which is operated to provide services such as asset management proposals and advice to customers of the financial institution (hereinafter referred to as "users"),

In addition, the fractional fund transfer accumulation server 10 is equipped with a fund calculation rule DB11, an account information DB12, and a fund transfer result DB16, which are implemented as databases, etc., as described below, and is also equipped with a memory means for acquiring and storing specified information necessary for the operation of the fractional fund transfer accumulation system of the present invention.
The storage means stores various information resources such as user account information, attribute information, and transaction history information of financial institutions, which will be described later, as well as specific information required for the fractional funds transfer accumulation server 10 in this embodiment, and necessary information is read out at any time in conjunction with the operation of the fractional funds transfer accumulation server 10, and is stored and updated.

The information stored and accumulated in the fractional funds transfer accumulation server 10 in this manner can be periodically extracted by daily processing or the like from, for example, a financial institution's own financial institution system that serves as an information processing system for the accounting and information systems of each financial institution equipped with the financial institution devices 20, 30, or a financial institution backbone system that provides an information processing system for the accounting and information systems to multiple financial institutions, and acquired and accumulated in the fractional funds transfer accumulation server 10. In addition, if a financial institution does not have its own information processing system or an external backbone system with which it can cooperate, various information can also be manually registered and accumulated in the fractional funds transfer accumulation server 10, for example.
Furthermore, the information stored in the fractional fund transfer accumulation server 10 can be obtained and referenced by other programs (such as applications on the customer terminal 40) via the network. Also, for example, if the information stored in the fractional fund transfer accumulation server 10 can be obtained and referenced by the programs of the financial institution devices 20 or 30 via the network, the financial institution (card company or bank) can analyze the user's lifestyle and preferences from the rules set by the user and transaction history information, and use the results for marketing purposes.

The fractional fund transfer accumulation server 10 as described above is specifically configured to function as a fund calculation rule DB 11, an account information DB 12, a fund calculation means 13, a fund calculation result DB 14, a fund transfer instruction means 15, a fund transfer result DB 16, and an accumulated fund reference means 17, as shown in FIG.
The funds calculation rule DB 11 is a means for storing predetermined funds calculation rule information including a target amount set in response to an input operation from a client terminal 40 described later.
The fund calculation rule information stored in the fund calculation rule DB11 includes, as described below, predetermined information set by the user via the customer terminal 40, such as a predetermined target amount and various rules for achieving the target amount (fractional rules, saving rules, periodic rules, other rules, etc.) (see Figure 2 described below).

The account information DB 12 is a storage means for receiving and storing account information on the fund accounts of the customers from the financial institution devices 20, 30 that manage the fund accounts of the users.
The account information stored in the account information DB 12 includes card statement information sent from the card company's financial institution device 20 (described later) and fund account transaction information sent from the bank's financial institution device 30 (see Figures 3, 4, 9 and 11 (described later)).

The funds calculation means 13 is a means for calculating the transfer amount of the transfer funds to be transferred from the user's funds account to a specified accumulation account based on the funds calculation rule information and account information described above (see Figures 3, 4, 9 and 11 described below).
Specifically, the funds calculation means 13 calculates the fractional amount indicated by the difference between the amount debited from the user's funds account and a predetermined set amount as the "transfer amount" according to the present invention.
Furthermore, the funds calculation means 13 can calculate a predetermined fixed amount as the "transfer amount" according to the present invention, together with the fractional amount or in place of the fractional amount.
Furthermore, when predetermined event information is input, the funds calculation means 13 can calculate the above-mentioned fixed amount as the "transfer amount."

Furthermore, the funds calculation means 13 can calculate that the withdrawal amount from the above-mentioned user's funds account has reached a predetermined value, and can cause the accumulated funds reference means 17 described below to send information indicating that the withdrawal amount has reached a predetermined value, such as an alert notification, to the customer terminal 40.
Furthermore, when a target amount for a predetermined period (e.g., one month) is set, the funds calculation means 13 can calculate that the total transfer amount within the predetermined period may not reach the target amount, and can cause the accumulated funds reference means 17 to transmit information (such as an alert notification) indicating that such a total transfer amount may not reach the target amount to the client terminal 40. The possibility that the transfer amount will not reach the target amount can be estimated by comparing with past results (e.g., the previous month).
By providing such alert notifications or other notifications, for example, if the amount of withdrawal becomes so large that it becomes impossible to follow the saving rules described below or it becomes difficult to achieve the target amount, the user can be notified of this and encouraged to stop wasteful spending and save money.

The fund calculation result DB 14 is a storage means for storing information indicating the fund calculation result including the transfer fund calculated by the fund calculation means 13 .
The funds calculation result information stored in the funds calculation result DB14 is predetermined information required to execute the transfer process from the funds account to the accumulation account described below, including the "transfer amount" calculated by the funds calculation means 13 as described above (see Figures 3, 4, 9, and 11 described below).
The funds transfer instruction means 15 is a means for transmitting predetermined funds transfer instruction information to the financial institution device 30 based on the funds calculation result information stored in the funds calculation result DB 14 .

The funds transfer result DB 16 is a means for receiving and storing information indicating the results of a funds transfer based on the funds transfer instruction information from the financial institution device 30 that transmitted the funds transfer instruction information.
The funds transfer result information stored in the funds transfer result DB16 is specified information indicating the result of the transfer process from the funds account to the accumulation account executed by the financial institution device 30 at the instruction of the funds transfer instruction means 15 as described above (see Figures 3, 4, 9 and 11 described below).

The accumulated funds reference means 17 is a means for generating predetermined accumulated funds information including the fund transfer result and transmitting the information so as to be referred to by the user at the client terminal 40. The accumulated funds reference means 17 constitutes the accumulated funds information generating means according to the present invention.
The accumulated funds information generated and output by the accumulated funds reference means 17 is predetermined information indicating the current amount of accumulated funds in the accumulation account of the financial institution device 30 in which the transfer process as described above is executed (see Figures 5, 10 and 12 described below).
The specific functions and operations of each means realized by the fractional fund transfer and storage server 10 in this embodiment as described above will be described later with reference to example display screens output and displayed on the customer terminal 40 (see Figures 2 to 13).

[Financial institution devices 20, 30]
The financial institution devices 20, 30 are information processing devices provided in financial institutions such as card companies and banks, and are connected to the fractional fund transfer and accumulation server 10 described above so as to be capable of data communication.
In the example shown in FIG. 1, the financial institution device 20 is an information processing device installed in a card company, and the financial institution device 30 is an information processing device installed in a bank.

[Card company]
The financial institution device 20 installed at the card company is provided with a card statement DB 21 as storage means for storing statement information of cards operated by the card company.
The information stored in the card statement DB21 includes user attribute information for each card managed and operated by the card company, and statement information indicating the date and time of card usage, amount used, content of usage, etc.
The transaction details information held and managed by the card company becomes the "withdrawal amount" according to the present invention, which is used by the user to calculate the transfer amount for accumulating the target amount.

Here, cards operated by card companies include, for example, credit cards, transportation cards, retail prepaid cards, various electronic money cards, and point cards.
The information stored in the card usage details DB 21 is then transmitted to the fractional fund transfer accumulation server via the network and stored in the account information DB as the account information of each user.

[Bank]
The financial institution device 30 installed in a bank is provided with a fund account DB 31 as storage means for storing information on deposit accounts operated by the bank.
The information stored in the fund account DB31 includes user attribute information for various deposit accounts (e.g., ordinary deposit accounts, current deposit accounts, etc.) managed and operated by the bank, and transaction information such as the balance of the deposit accounts and deposit and withdrawal history.
This deposit account constitutes the "funds account" according to the present invention, from which the user transfers funds to accumulate the target amount.
Furthermore, the amount debited from the deposit account indicated by the transaction information of the deposit account becomes the "debit amount" according to the present invention, which is used by the user to calculate the transfer amount for accumulating the target amount.

Here, the deposit accounts managed and operated by banks include, for example, highly liquid deposit (savings) accounts such as ordinary deposits, current deposits, savings deposits, and regular savings, as well as less liquid deposit (savings) accounts such as time deposits, notice deposits, and installment deposits.
An account that can be used as an account for withdrawing funds from cards, utility bills, etc., specifically, a regular deposit account or a current deposit account, is a "fund account" according to the present invention.
The information stored in this fund account DB 31 is transmitted to the fractional fund transfer accumulation server via the network and is stored in the account information DB as the account information of each user.

In addition, the financial institution device 30 is equipped with an accumulation account DB32 as a storage means for storing information on the "accumulation account" (fund savings account) according to the present invention, which is a deposit account operated by the bank and into which the user transfers funds to accumulate the target amount.
The accumulation account is an account used to accumulate and save the transfer funds according to the present invention, and is assigned a dedicated account into which the user cannot make transactions such as deposits and withdrawals, such as a special deposit account of the financial institution, a pool account for purchasing bonds, etc. This accumulation account constitutes the "accumulation account" according to the present invention, which is the transfer destination of the funds the user returns to accumulate the target amount.
The information stored in the savings account DB 32 includes attribute information of each user who uses the account, and transaction information such as the balance of each user's savings account and deposit and withdrawal history.
The transaction information stored in the accumulation account DB 32 becomes the "accumulation reference information" according to the present invention, which indicates predetermined information including the result of the transfer of funds by the user to accumulate the target amount.

As described above, it is possible for one (single) user to set up multiple savings accounts, as will be described later. This allows multiple savings accounts to be set up according to the purpose of savings, the target amount, the target of savings, etc., such as an account for purely saving funds and an account for donations (see Figures 8 to 12, which will be described later), and this makes it possible to encourage more proactive and positive savings and frugal behavior.
It is also possible for multiple users to set up one (shared) savings account, which allows, for example, a family of three to save fractional amounts and savings in one savings account (see FIG. 13, described later), making savings more efficient.

Then, when the transfer amount of the accumulation account described above reaches a predetermined amount, the financial institution device 30 can use the transfer funds to purchase a predetermined financial product (transfer of funds). The financial institution device 30 can perform the purchase process of the financial product automatically or after obtaining the user's approval/request.
Here, examples of financial products that can be purchased (transferred) using the transfer funds in the accumulation account include fixed-term deposits, foreign currency deposits, investment trusts, and securities such as stocks and bonds.
In addition, the purchase of financial products (transfer of funds) can be made by purchasing financial products (fixed term deposits, etc.) sold by the same financial institution (bank) in which the financial institution device 30 is installed, but it can also be made by purchasing financial products sold by other financial institutions other than the financial institution in which the financial institution device 30 is installed, such as other banks, securities companies, foreign banks, etc. In such cases, the transfer funds that serve as the purchase funds can be remitted or transferred to the other financial institution to purchase the desired financial product.

Each financial institution equipped with the financial institution devices 20, 30 as described above can have its own financial institution system, or can use an external financial institution core system to store and manage information on investment products and loan products sold by each financial institution, attribute information on users of the financial institution, account transaction history information, access history information, card usage details information, and the like.
Such financial institution systems and financial institution core systems function as information processing systems for the accounting and information systems owned by the corresponding financial institutions.
The financial institution core system is configured and operated by a group of huge server systems owned by an information system company known as a system integrator, which undertakes the operation of the data system of one or more financial institutions in response to outsourcing from the financial institutions. Known examples of such financial institution core systems 50 include the securities core system (STAR (registered trademark)) operated by Nomura Research Institute, Ltd. and the financial product intermediation system (BESTWAY (registered trademark)) of banks.

[Customer terminal 40]
The customer terminal 40 is an information processing device that can be used by users (customers/investors) of the above-mentioned financial institutions (banks/card companies), and is composed of, for example, a smartphone, mobile terminal, PC, or tablet owned by the user, a PC or dedicated terminal device installed on the financial institution side where the financial institution devices 20 and 30 are equipped, etc.
A user can operate this customer terminal 40 to call up programs provided by the fractional fund transfer and accumulation server 10, and can execute and utilize the functions and services provided by the fractional fund transfer and accumulation system of the present invention.

Specifically, the client terminal 40 according to this embodiment includes a fund calculation rule setting means 41 and a display means 42 .
The funds calculation rule setting means 41 is a means for setting a target savings amount and specified funds calculation rule information in response to user input operations performed via the input means of the customer terminal 40 (e.g., a touch panel, a mouse, a keyboard, etc.).
The fund calculation rule information that can be set by the fund calculation rule setting means 41 includes a predetermined target amount that serves as a target for the savings amount, and various rules for achieving the target amount (fractional rules, saving rules, periodic rules, other rules, etc.) as described below (see Figure 2 described below).

The display means 42 is a display unit/display provided in the client terminal 40, and is composed of, for example, a touch panel display unit of a smartphone or tablet, a liquid crystal display connected to a PC, etc. Through this display means 42, the predetermined accumulated fund information generated by the accumulated fund reference means 17 of the fractional fund transfer accumulation server 10 described above is displayed so as to be visible to the user.
Here, the accumulated funds information output and displayed on the display means 42 is predetermined information indicating the current amount of accumulated funds in the accumulation account of the financial institution device 30 in which the transfer process is instructed and executed by the fractional funds transfer accumulation server 10 described above (see Figures 5, 10 and 12 described below).

In this manner, a user in this embodiment can use the customer terminal 40 to access web applications provided by the fractional fund transfer and accumulation server 10 via the Internet, etc., and execute the functions of the fractional fund transfer and accumulation system of the present invention.
However, the present invention is not limited to the configuration of this embodiment, and the functions of the fractional fund transfer and accumulation system according to the present invention can be executed by, for example, introducing and installing dedicated software into the customer terminal 40 and directly communicating with the financial institution devices 20 and 30. In this case, the customer terminal 40 itself constitutes the fractional fund transfer and accumulation server 10.
In addition, for example, by installing dedicated software in the bank's financial institution device 30, the functions of the fractional fund transfer and accumulation system according to the present invention can be executed directly between the financial institution device 30 and the customer terminal 40. In this case, the financial institution device 30 constitutes the fractional fund transfer and accumulation server 10.

[Fractional fund transfer and accumulation method]
Next, a specific processing operation (fractional fund transfer and accumulating method) of the fractional fund transfer and accumulating system 1 according to the present embodiment configured as above will be described with reference to FIGS.
First, as a prerequisite for the processing operation of the fractional fund transfer and accumulation system 1, a predetermined fund calculation rule is set for the fractional fund transfer and accumulation server 10 from the client terminal 40 in response to an input operation by a user.
FIG. 2 is an explanatory diagram showing an example of a "funds calculation rule" that can be set in the fractional funds transfer and accumulation server 10 according to this embodiment.

[Fund calculation rules]
The user can set the funds calculation rules by opening a predetermined "funds calculation rules" screen (see FIG. 6(b)) on a dedicated application or a designated website via a customer terminal 40 (e.g., a smartphone or a PC) that the user can operate, and can perform various settings. The set funds calculation rules are stored in the funds calculation rules DB 11 on the fractional funds transfer and accumulation server 10 side.
In this embodiment, as shown in FIG. 2, a desired "target amount" is set as a fund calculation rule, and a "fraction rule", a "saving rule", a "periodic rule", and "other rules" are also set.

Specifically, in the example shown in FIG. 2, the following "rules" can be set to achieve a specified "target amount," and the amount calculated according to the set rules is subject to transfer as "transfer funds" from a specified fund account to a savings account, and the transfer process is performed using either the "automatic" or "manual" transfer mode.
[Fractional rule]
・Withdrawals between 100 yen and 999 yen: last two digits of the difference between 1000 yen, manual ・Withdrawals between 1,000 yen and 9,999 yen: last three digits of the difference between 10,000 yen, manual ・Withdrawals over 10,000 yen: last three digits of the difference between 10,000 yen units, manual [Savings rules]
・Electricity bill: Difference from 20,000 yen. Automatic ・Water bill: Difference from 10,000 yen. Automatic ・Communication bill: Difference from 10,000 yen. Automatic ・Eating out: Difference from 40,000 yen. Automatic [Regular rule]
・Monthly: 5,000 yen, automatic ・Weekly: 0 yen, automatic ・Daily: 0 yen, automatic [Other rules]
・Cashback: Full amount, automatic ・●●Points: Full amount, automatic ・Giants victory: 100 yen, automatic ・10km run: 100 yen, automatic

By setting the "funds calculation rules" as described above, first, according to the "fraction rule", when a user uses a card for daily shopping or the like and there is a deduction from the withdrawal account, the funds calculation means 13 calculates the fraction equivalent to the change that would be generated if the payment was made with cash bills, and this amount is transferred from the funds account to the accumulation account as transfer funds. For example, when "4,860 yen" is debited, the funds calculation means 13 performs a calculation process of "5,000 yen - 4,860 yen = 140 yen", and the transfer funds are calculated as "140 yen".
The use and withdrawal of the card are referenced and determined by the funds calculation means 13 based on the card usage statement information transmitted from the financial institution device 20 of the card company.

Furthermore, according to the "savings rules", the difference between the set amounts for utility bills such as electricity bills, public utility charges, or eating out is calculated as savings by the funds calculation means 13, and this amount is transferred from the funds account to the accumulation account as transfer funds. For example, if the set amount for "electricity bill" is set to "20,000 yen" and the electricity bill for a certain month is "15,220 yen", the funds calculation means 13 performs a calculation process of "20,000 yen - 15,220 yen = 4,780 yen", and the transfer funds are calculated as "4,780 yen".
Therefore, for example, if the amount of the electricity bill to be debited exceeds the set amount (20,000 yen), the transfer funds will not be calculated and the transfer process will not be executed.

In addition, deductions for utility bills and public utility charges are referenced and determined by the funds calculation means 13 based on deduction information sent from the bank's financial institution device 30, or in the case of card use, based on card usage detail information sent from the card company's financial institution device 20.
Furthermore, withdrawals for eating out are determined based on the card statement information described above. For example, if an industry code can be obtained from the card company's card statement information, it can be determined from the industry code. If an industry code is not available, it can be determined from the name of the store, etc. The user can also specify details to be classified as eating out from an existing card statement.

Furthermore, by setting a "periodic rule," a predetermined fixed amount set by the user can be transferred to the savings account at a predetermined cycle, such as every month, week, or day.
This is almost the same as existing savings deposits, but compared to savings deposits, the amount can be small and the period can be set in detail, giving users more freedom in terms of the amount and period, and allowing them to steadily save small amounts of money within their means.

In addition, as an "other rule," for cashback or point-granting services, you can choose not to receive them and have the entire amount transferred to your savings account.
In addition, the user can set rules as desired, and when a certain event occurs, for example when a favorite sports team (such as the Giants or Urawa Reds) wins, the user can save a certain amount of money (for example, 100 yen), which has the effect of making saving fun.
The occurrence of such an event can be determined by inputting the relevant event information from, for example, a news site on the Internet.

In addition, as a predetermined event corresponding to the "other rules", when the user achieves a goal (for example, running 10 km), the user can save a certain amount of money (for example, 100 yen) as a reward (reward) to himself/herself. In this way, it is possible to further increase the joy of saving, coupled with the feeling of achievement of the user's goal such as running.
The distance traveled by the user can be measured using a device that can identify running, such as a wearable device or a smartphone device, and the measured distance data can be obtained from an application on the fractional fund transfer accumulation server 10.

In addition, for the transfer of funds based on the rules set as above, the transfer mode can be selectively set to either "manual" or "automatic."
When the fund transfer mode is set to "manual", when the amount to be transferred is extracted, the amount is displayed as being a transfer amount, and the fund transfer instruction means 15 executes a transfer instruction in response to the user's input operation (see Figs. 5, 10, and 12 described below). Therefore, the user can decide not to execute the transfer process depending on, for example, the financial situation (financial condition).
In this case, the funds transfer status will be "not saved" until the user performs a "manual" operation, and will become "saved" when the transfer process is executed by the "manual" operation, and will become "saved" if the transfer process is not executed due to insufficient account balance (see Figures 3 and 4 described below).

On the other hand, when the fund transfer mode is set to "automatic", when the amount to be transferred is extracted, the fund transfer instruction means 15 automatically executes a transfer instruction. In this case, if the balance of the bank fund account is insufficient, the transfer process is not performed, and a predetermined notification (such as an alert notification) indicating this can be made. Furthermore, when set to "automatic", the amount to be transferred is extracted from the bank account withdrawal records and credit card statement records, and can be extracted from the contents (withdrawal subject, statement subject) or from the payee company name. Here, the contents can be classified according to the contents and payee company name, and it can be determined whether to extract the contents according to the classification.
In this case, if the transfer process is executed "automatically," the funds transfer status will be "Saved," and if the transfer process is not executed due to insufficient balance in the account, the status will be "Saving Failed" (see Figures 3 and 4 below).

[motion]
An example of the operation of the fractional fund transfer and accumulation system 1 in this embodiment when the "funds calculation rule" as described above is set will be described with reference to FIGS.
3 and 4 are explanatory diagrams showing an example of the operation of the fractional fund transfer and accumulation system 1 in this embodiment.
First, as shown in FIG. 3, the fractional fund transfer accumulation server 10 periodically refers to the information on bank accounts and card usage details stored in the account information DB 12, and executes fund calculation in the fund calculation means 13 in accordance with the fund calculation rules set in the fund calculation rule DB 11, and the fund calculation result is output to and stored in the fund calculation result DB 14.
In addition, the account information stored in the account information DB12 is updated by transmitting necessary information from the card company's financial institution device 20 and the bank's financial institution device 30 at a predetermined timing (e.g., daily processing).

In the example shown in Figure 3, the processing operation on April 11th is shown, and the bank's financial institution device 30 sends debit information for transactions into the user's ordinary savings account, such as "April 3rd: electricity bill, 15,220 yen" and "April 11th: tennis school, 4,860 yen," as account information, and the card company's financial institution device 20 sends card usage statement information for "April 11th: NIFTY, 6,230 yen," each of which is stored as account information in the account information DB 12.
In this state, the funds calculation means 13 executes a funds calculation process at a predetermined timing (for example, every day, twice a day, etc.).
In the fund calculation process, a predetermined calculation process is carried out by referring to the above-mentioned preset "fund calculation rules."

In the example shown in Figure 3, for the fund calculation process for April 11th, for "April 11th: Tennis school, 4,860 yen", the calculation and determination are made as follows: "Fund amount: 140 yen, fund transfer mode: manual, fund transfer status: not yet deposited", and for "April 11th: NIFTY, 6,230 yen", the calculation and determination are made as follows: "Fund amount: 770 yen, fund transfer mode: manual, fund transfer status: not yet deposited".
Furthermore, based on the "funds calculation rule", the calculation and determination of "April 11: periodic rule (monthly), fund amount 5,000 yen, funds transfer mode: automatic, funds transfer status: not yet saved" is executed.
The calculation results from the budget calculation means 13 are stored in a budget calculation result DB 14 .

Thereafter, based on the fund calculation result information stored in the fund calculation result DB 14, the fund transfer instruction means 15 transmits fund transfer instruction information to the financial institution device 30 of the bank.
This fund transfer instruction processes details for which the fund transfer mode in the fund calculation result DB 14 is set to "automatic" or the fund transfer status is set to "save" (see FIG. 4).
If the funds transfer mode is set to "manual", the funds transfer instruction will not be sent until a manual operation is performed by the user.

When a funds transfer instruction is sent, the target financial institution device 30 executes a transfer process to another account (accumulation account) within the bank, to the extent that the balance of the corresponding funds account (such as a regular savings account) is not insufficient.
Thereafter, the result of the transfer instruction is sent at a predetermined timing after the transfer instruction is sent to the financial institution device 30 and is acquired by the fractional funds transfer accumulation server 10 , and the information is stored in the funds transfer result DB 16 .
The result of the transfer process from the financial institution device 30 is transmitted in real time as the transfer process is executed, or a notification can be received from the financial institution device 30 at a predetermined timing after the transfer process of the financial institution is completed. Furthermore, until the transfer result is obtained from the financial institution device 30, the fund transfer status on the fractional fund transfer accumulation server 10 side remains "not deposited".

In the example shown in Figure 3, for "April 11: Tennis School, 4,860 yen, fund amount: 140 yen, fund transfer mode: manual" and "April 11: NIFTY, 6,230 yen, fund amount: 770 yen, fund transfer mode: manual", the fund transfer instruction is not executed and the fund transfer status remains "Not saved".
On the other hand, for "April 11: regular rule (monthly), fund amount 5,000 yen, fund transfer mode: automatic", a fund transfer instruction has been made, and as a result, the fund transfer status is "saved".
Also, as shown in the figure, for "April 3: Electricity bill: 15,220 yen; Fund amount: 4,780 yen; Fund transfer mode: Automatic," the fund transfer status is "Savings failed," indicating that the transfer process was not executed due to insufficient balance in the account.
In this way, depending on the result of the transfer from the financial institution device 30, the information indicating the fund transfer status is changed to "Saved" if the transfer is successful, or to "Saving Failed" if the transfer is unsuccessful, and this changed information is stored and updated in the fund transfer result DB 16 as fund transfer result information.

The result of this transfer can be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 after the transfer process is completed (see FIG. 5).
Then, on the screen of this customer terminal 40, the above-mentioned fund transfer status of "not saved" or "saving failed" can be changed to "saving". When the fund transfer status is changed to "saving", it becomes the subject of the next fund transfer instruction processing, and "saving" is stored and updated as the input data for the fund transfer instruction.
This will be described with reference to FIG.

FIG. 4 shows an example in which the funds transfer status is changed to "Savings" on April 12th, the day after the processing shown in FIG.
4, there is no change in the account information in the account information DB 12, and no calculation processing is performed in the funds calculation means 13. Therefore, there is no change in the data stored in the funds calculation result DB 14.
In this state, the user operates the customer terminal 40 to change the funds transfer status to “Saving” for “April 11: NIFTY 6,230 yen, funds amount: 770 yen, funds transfer mode: manual, funds transfer status: not saved” shown in Figure 3.

When the funds transfer status of "not saved" (or "savings failed") is changed to "savings" from the customer terminal 40 in this manner, the stored information in the funds transfer result DB 16 is updated.
Thereafter, at a predetermined processing timing, the funds transfer instruction means 15 extracts the corresponding “April 11: NIFTY 6,230 yen, fund amount: 770 yen” as the target for funds transfer instruction processing, and transmits the funds transfer instruction to the financial institution device 30 .
The financial institution device 30 to which the funds transfer instruction is sent executes a transfer process from the relevant funds account to the accumulation account, and sends the result of the transfer instruction to the fractional funds transfer and accumulation server 10 .
As a result, the information in the funds transfer result DB 16 is updated.
In the example shown in Figure 4, it can be seen that the funds transfer status for "April 11: NIFTY 6,230 yen, funds amount: 770 yen, funds transfer mode: manual" has been updated from "not saved" to "saved."

The results of the funds transfer processing carried out as described above are generated as accumulated funds information by the accumulated funds reference means 17 in response to a reference request from the client terminal 40, and can be displayed and viewed on the display means 42 of the client terminal 40.
FIG. 5 shows an example of a display screen of accumulated fund information displayed on the display means 42 of the client terminal 40 in this embodiment, where (a) is the accumulated fund information at a time corresponding to FIG. 3, and (b) is the accumulated fund information at a time corresponding to FIG. 4.

In the example shown in FIG. 5( a ), the current “savings amount: 5,000 yen” and the target amount “10,000 yen” are shown, and it is also shown that “April 11th, 4,860 yen, tennis school, +140 yen” is “not saved”, “April 11th, 6,230 yen, NIFTY, +770 yen” is “not saved”, and “April 11th, regular rule (every month), +5,000 yen” is “saved”.
It also shows that on the previous day, April 10th, a transfer of "-13,121 yen" was made (funds transferred to financial products) to purchase financial products.
Furthermore, "April 3rd, 15,220 yen, electricity bill, +4,780 yen" is shown to be a "savings failure."

On the other hand, the example shown in FIG. 5(b) is almost the same as the screen in FIG. 5(a), but the display for "April 11th, 6,230 yen, NIFTY, +770 yen" has changed from "Not saved" to "Saved," and it can be seen that the current amount has increased to "Amount of funds being saved: 5,770 yen."
In this way, the user can view and refer to the current accumulated funds and the status of the transfer process at any time via the customer terminal 40 operated by the user, and can also change the funds transfer status.

The fund transfer status can be changed by tapping on the "not saved" icon shown in FIG. 5(a) to switch between "not saved" and "saved".
Similarly, the icon display of "failed to save" can be switched to "save" by tapping or the like.
In addition, the funds transfer status of "manual" or "automatic" shown in Figures 5(a) and (b) can also be switched between "automatic" and "manual" by a tap operation or the like.

3 to 5, if the "saving rule" is set to "electricity charge: 20,000 yen or less" (see FIG. 2), a predetermined alert can be issued when the electricity charge for that month approaches 20,000 yen (for example, exceeds 80% of the set amount (16,000 yen)). As the alert, for example, a predetermined character or a warning message can be displayed in the "electricity charge" item on the display screen.
The timing of the alert notification can be preset as a default value on the fractional fund transfer and accumulation server 10 side, and if necessary, the user can change it on a dedicated application or a setting screen on the website. It is also possible to set the alert notification to "off."

As described above, if a target savings amount for the month is set, an alert can be sent if the target amount is not likely to be reached. Whether the target amount is likely to be reached can be estimated and determined by comparing it with the results of the previous month, for example.
In addition, if the user has already achieved the target savings amount at an early stage in succession, a predetermined message can be displayed to encourage the user to raise the set amount. For example, if the user reaches 100% of the set amount before the 20th of each month a predetermined number of times in a row (e.g., three times), the past results can be displayed, and a new target amount can be set to the current target amount plus a predetermined amount, and a message such as "Why not try to reach a target amount of 15,000 yen?" can be displayed, suggesting a more efficient savings plan that matches the user's financial situation.

Then, by carrying out the above-described fund transfer processing operation, when the transfer amount in the accumulation account of the financial institution device 30 reaches a specified amount, the transfer funds are used to carry out the purchase processing (transfer of funds) of a specified financial product.
The purchase of this financial product can be performed, for example, once a month, when the amount in the accumulation account on the set "monthly closing date" (see Figure 6(c)) exceeds the "monthly target savings amount" (see Figure 7(c)).
This allows users to shift accumulated funds accumulated through daily fractional funds and savings to financial products that offer more favorable dividends and yields, thereby realizing efficient asset management, etc.

[Settings display screen]
Next, in the fractional fund transfer and accumulation system 1 as described above, an example of an input display screen for setting items for the fractional fund transfer and accumulation server 10 that can be input and set on the customer terminal 40 side is shown in FIGS.
FIG. 6( a ) is a screen that selectively displays various setting items that can be set in the fractional fund transfer and accumulation server 10 .
As shown in the figure, from this screen, the user can select the following items: "Fund calculation rules,""Monthly closing date,""Alertnotifications,""Monthly target amount," and "Funds savings account," and make detailed settings for each.

FIG. 6(b) is a setting screen for the "fund calculation rules."
From this screen, the user can select whether or not each of the above-mentioned "fund calculation rules" - "fraction rule,""savingrule,""periodicrule," and "other rule" - is required, and can select either "manual" or "automatic" fund transfer mode for each.
FIG. 6C is a setting screen for the "monthly closing date."
From this screen, the user can set the base date for monthly closing processing of savings funds transferred to the accumulation account. In the figure, "end of month" is selected and set as the monthly closing date.

FIG. 7A shows the setting screen for "alert notification."
As shown in the figure, in this embodiment, in order to perform an "alert notification," settings can be made for both a "monthly savings target amount" and a "savings rule."
When the "alert notification" is set to "monthly target amount" (see FIG. 7(b)), a predetermined alert notification can be issued when it is estimated or determined that the amount is not likely to be reached. Also, when the "alert notification" is set to "saving rule", a predetermined ratio (e.g., 80% of the set amount) of the upper limit amount (amount saved) set as the "saving rule", for example, "electricity bill: 20,000 yen or less" or "eating out: 40,000 yen or less", is reached can be issued (see FIG. 7(b)).
FIG. 7(c) is a screen for setting the "monthly savings target amount."
From this screen, the “monthly target savings amount” (target amount according to the present invention) of funds to be transferred to the accumulation account using the fractional fund transfer and accumulation system 1 can be set.

[Multiple Account Settings]
In the fractional fund transfer and accumulation system 1 according to one embodiment of the present invention as described above, one (single) user can set up multiple accumulation accounts as accumulation accounts for saving transfer funds.
Figure 8 shows an example of a display screen when multiple savings accounts are set up from the settings screen of the customer terminal 40, with Figure 8(a) showing the case where "Create a new savings account" is selected on the settings screen for the "savings account" selected in Figure 6(a), Figure 8(b) showing the screen that appears when a "donations" account is created as a result, and Figure 8(c) showing the settings screen for the "donations" account selected and set in (b).

By setting the customer terminal 40 in this way, the financial institution is able to allocate multiple accumulation accounts to separate deposit accounts, pool accounts, and the like.
In the example shown in Figure 8, in addition to the main "standard" account, a "donations" account is set up as a "savings account," and when a certain number of points (●● points) are awarded to the "donations" account, a transfer process is performed "automatically."
In this way, in this embodiment, multiple savings accounts can be set up depending on the purpose of savings, target amount, savings targets, etc., such as a "standard" account for purely saving funds and a "donation" account, allowing for a variety of savings and frugality.

The transfer process operation when two accumulation accounts, a "standard" account and a "donation" account, are set will be described below with reference to FIGS.
Figure 9 shows the case where a "donation" account is set in addition to a "standard" account, and a debit transaction corresponding to Figure 3 described above is carried out. Compared to the case of Figure 3, information (item) has been added indicating which accumulation account to specify for each debit transaction.
That is, in the example of Figure 9, bank transactions and card usage are performed in the same manner as in the case of Figure 3 described above, and the following withdrawal transactions are processed as "savings account: standard": "April 11th: tennis school, 4,860 yen, fund amount: 140 yen", "April 11th: NIFTY, 6,230 yen, fund amount: 770 yen", "April 11th: regular rule (monthly), fund amount: 5,000 yen", and "April 3rd: electricity bill, 15,220 yen, fund amount: 4,780 yen".
In addition, for "April 1st: ●● points, 500 yen", it can be seen that the entire amount was automatically transferred to the "Donations" account as "Savings account: for donations".

The result of this transfer can be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 (see FIG. 10).
FIG. 10(a) shows the savings status of the "standard" account as of April 11th, and is similar to the content shown in FIG. 5(a) above.
On the other hand, FIG. 10(b) shows the savings status of the "donation" account as of the same April 11th, and indicates that "April 1st, ●● points, +500 yen" has been "saved" through "automatic" processing.
In addition, the display screen (accumulated fund reference information) for this "standard" account and "donation" account can be switched by, for example, swiping a specific location on the display screen (the "standard" and "donation" text at the top of the display screen in Figure 10).

FIG. 11 shows the case where a "donation" account is set up in addition to a "standard" account, and a withdrawal transaction corresponding to the above-mentioned FIG. 4 is carried out.
In the example shown in the figure, the same bank transaction and card usage are being carried out as in the case of FIG. 4 described above, but for "April 11: NIFTY 6,230 yen, fund amount: 770 yen, fund transfer mode: manual, fund transfer status: not saved" shown in FIG. 9, the fund transfer status has been changed to "Saving", and further, the designated accumulation account has been changed from "standard" to "for donations".
When changing a savings account, for example by changing "not saved" to "saving," a display screen is generated and displayed that allows the user to select the account to use, allowing the user to select either a "standard" or "donation" account.

In this way, by inputting information from the customer terminal 40, the "not saved" status can be changed to "saving" and the designated account can also be selected and changed. This makes it possible to provide more flexible and diverse savings and saving patterns.
The result of this transfer can also be displayed and confirmed on the screen of the display means 42 of the customer terminal 40 (see FIG. 12).
FIG. 12(a) shows the savings status of the "standard" account as of April 12th, and is similar to the content shown in FIG. 5(a) above.
On the other hand, Figure 12 (b) shows the savings status of the "donation" account as of the same April 12th, and it can be confirmed and viewed that in addition to "April 1st - ●● points - +500 yen,""April 11th - 6,230 yen - NIFTY - +770 yen" has been "saved" through "manual" processing, and the amount has increased to "Amount of funds being saved: 1,270 yen."

[Shared Account Settings]
As described above, in the fractional fund transfer and accumulation system 1 according to this embodiment, one user is allowed to set up multiple savings accumulation accounts.
Furthermore, in this embodiment, a single (common) savings account can be set up by multiple users.
For example, a family of three can save fractional amounts and savings in one savings account.
Figure 13 is an example of a display screen when setting up a single savings account to be shared by multiple users from the settings screen of the customer terminal 40, and Figure 13(a) shows the case when "Create a new savings account" is selected on the settings screen for the "savings account" selected in Figure 6(a), Figure 8(b) shows the screen when a "shared" account has been created as a result, and Figure 8(c) is the settings screen for the "shared" account selected and set in (b).

By setting the customer terminal 40 in this way, the financial institution is able to assign multiple users to one accumulation account, which may be set as a separate deposit account or a pool account.
In the example shown in FIG. 13, in addition to the above-mentioned "standard" account and "donation" account, a separate "shared" account is provided as a "savings account," and three users are set up in this "shared" account.
In this way, by making the accumulation account in this embodiment "shared," fractional amounts and savings amounts generated by the individual bank transactions and card usage of multiple (three) users can be consolidated and saved in a single accumulation account, enabling more efficient savings and asset formation.
There are no particular limitations on the number of users that can be set up as a "shared" account or the attributes that can be shared, and a shared account can be held by users with the number and attributes set by the financial institution.

As described above, according to this embodiment, a user can set any fund calculation rule in the fractional fund transfer and accumulation server 10, and then transfer a fractional amount calculated based on the user's daily payments, etc., to a target savings fund as savings.
In particular, by making it possible to set a number of different rules as fund calculation rules, such as fractional rules, savings rules, periodic rules, and other rules, it is possible for the user to make efficient and continuous savings within a reasonable range.
In addition, by setting rules that can encourage users to curb spending and develop a frugal mindset, such as saving on utility bills and eating out, or by organizing favorite events or rewarding themselves, it is possible to encourage and motivate active savings behavior in a natural way.

Therefore, particularly when providing asset management advice to individuals, it is possible to provide a service suitable for helping individuals save up funds to purchase financial products while flexibly responding to the diverse needs, consumption patterns, lifestyle patterns, etc. of individual users.
In this way, according to one embodiment of the fractional fund transfer and accumulation system of the present invention, it is possible to flexibly respond to the diverse needs of various individual users, and can be realized as FinTech that can make suitable proposals to individual investors, etc. who are considering specific and planned asset management and investment plans, etc. that are in line with their daily life cycle, etc.

In the embodiment described above, an example of a display screen that is output and displayed on the customer terminal 40 side is shown to be displayed on a display means with a relatively small screen, such as the display of a smartphone or mobile phone (Figures 5 to 8, 10, 12, and 13).
However, the display screen generated and displayed in the present invention can of course also be displayed on a display means with a relatively large screen, such as the display means of a PC or tablet terminal.

Although the present invention has been described above by showing preferred embodiments, it goes without saying that the present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the present invention.
For example, in the above-described embodiment, the "fraction rule", "saving rule", "periodic rule", and "other rules" are shown as the "funds calculation rule" according to the present invention, but these are merely examples of the "funds calculation rule", and the present invention is not limited to these. In other words, the "funds calculation rule" according to the present invention can adopt some or all of the above-described "fraction rule", "saving rule", "periodic rule", and "other rules", and can also add or replace rules different from these. Any rules, conditions, etc. that stimulate the user's savings consciousness and investment motivation and encourage efficient and continuous savings can be adopted as the "funds calculation rule" according to the present invention.

Furthermore, in the above-described embodiment, the fractional fund transfer and accumulation server and the financial institution device are configured as separate independent devices, but they may also be configured as a single (common) device or system.
In this case, the fractional fund transfer and accumulation system according to the present invention will be realized as a part of a financial institution device provided in the financial institution.

In addition, in the above embodiment, a bank is shown as a specific example of a financial institution in which a fund account and a savings account according to the present invention are provided, but the financial institution is not limited to a bank.
Financial institutions that can provide a withdrawal account for a user's daily consumption and settlements include, in addition to banks, post offices, trust banks, credit unions, credit associations, and the like.
Furthermore, financial institutions that can provide a savings account to which funds can be transferred may be the above-mentioned post offices, trust banks, credit unions, credit associations, securities companies, investment trust companies, and the like.

Also, the financial institution (e.g., a bank) with the fund account and the financial institution (e.g., a securities company) with the accumulation account may be different financial institutions. In that case, the transfer funds can be transferred from the financial institution with the fund account to the financial institution with the accumulation account by remittance or transfer. Here, in the above-mentioned embodiment, the fund transfer instruction means 15 transmits predetermined fund transfer instruction information to the financial institution device 30 based on the fund calculation result information stored in the fund calculation result DB 14 at a predetermined timing. The predetermined timing can be the timing when the record to be processed is stored in the fund calculation result DB 14, or a predetermined regular timing such as every day or every month. In particular, in the case of regular timing, multiple records are added up and the total amount is remitted or transferred, so that it can be operated at low cost when a bank fee is charged. For example, some financial institutions charge no fee for transfers between branches, and if there is no bank fee, the transfer is performed when the record is added, and if there is a bank fee, the processing can be performed at regular timing.
Furthermore, the display screen that can be displayed and viewed on the customer terminal shown in the above embodiment is merely an example, and it goes without saying that the configuration and content of the screen can be set and changed as desired.

The present invention can be suitably used in fractional fund transfer and accumulation systems that support financial institutions and other organizations in providing investment advice and proposals to investors.

1 Fractional fund transfer and accumulation system 10 Fractional fund transfer and accumulation server 11 Fund calculation rule DB
12 Account information DB
13 Fund calculation means 14 Fund calculation result DB
15 Fund transfer instruction means 16 Fund transfer result DB
17 Accumulated funds reference means (accumulated funds information generating means)
20 Financial institution device (card company)
30 Financial institution equipment (bank)
31 Fund Account DB
32 Accumulation Account DB
40 Customer terminal 41 Fund calculation rule setting means 42 Display means

Claims (6)

An information processing system including a storage means, a calculation means, and an instruction means,
The storage means stores a predetermined rule and information regarding a first account of a user;
The calculation means calculates a transfer amount to be transferred from the first account to the second account of the user based on the predetermined rule;
The instruction means transmits a predetermined fund transfer instruction information to a predetermined financial institution device that manages the first account based on the transfer amount,
the predetermined rule is a rule for calculating, as the transfer amount, a fractional amount equivalent to change that would be generated in the case of a payment in cash, using each transaction amount in a record of card transaction detail information including the transaction amount and the transaction content;
The instruction means transmits, at regular intervals, to the financial institution device, fund transfer instruction information that sums up a plurality of fractional amounts in the records of the transaction details information. In a customer terminal available to the user,
The information processing system according to claim 1 , further comprising: displaying accumulated fund information indicating a result of a fund transfer process in said financial institution device. The accumulated fund information displayed on a customer terminal available to the user,
The information processing system according to claim 2 , wherein the transaction detail information includes a plurality of fractional amounts in the records. The accumulated fund information displayed on a customer terminal available to the user,
The information processing system according to claim 2 or 3, further comprising a transferred amount of saved money. The accumulated fund information displayed on a customer terminal available to the user,
The information processing system according to any one of claims 2 to 4, further comprising an amount of funds being saved. The predetermined rule is:
The information processing system according to any one of claims 1 to 5, wherein a plurality of transfer amounts can be set.

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