Remittance system, remittance program, and remittance method

Abstract

To enable remittance that is suitable for a recipient of the remittance.SOLUTION: A remittance system is provided, comprising a usage status database 3 storing the electricity usage status of a remittance recipient M2, and a remittance management computer 5 configured to estimate the living condition of the remittance recipient M2 on the basis of the electricity usage status to determine content of a remittance to be sent to the remittance recipient M2 and suitable timing for making the remittance to the remittance recipient M2.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a remittance system, a remittance program, and a remittance method for sending money to children, elderly parents, etc. [Background technology]

[0002] In recent years, the number of young people going on to university in metropolitan areas from rural areas has increased, and as a result, the number of parents in rural areas sending money to their children has also increased. Parents who send money to their children may have thoughts such as not wanting their children to live in an inconvenient environment, but also not wanting to send money unnecessarily. They may also be concerned about their children's health and living conditions, but not wanting their children to dislike them by contacting them too frequently.

[0003] Meanwhile, a system is known that can deliver products to children and the like in a timely manner (see, for example, Patent Document 1). In this system, when a parent wants to send money to a child who lives far away, the parent selects a product from product information available at a convenience store near the child's residence, specifies a delivery date, and places an order. The product is then delivered to the child from that convenience store on the specified delivery date. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent Publication No. 2021-101342 Summary of the Invention [Problem to be solved by the invention]

[0005] It is preferable for children receiving money to receive what they need when they need it. However, in the system described in Patent Document 1, parents select the products and specify the delivery date, making it difficult to send money that is appropriate for the child's situation.

[0006] Therefore, an object of the present invention is to provide a remittance system, a remittance program, and a remittance method that enable remittance to be sent in a way that is suitable for the recipient of the remittance. [Means for solving the problem]

[0007] In order to solve the above problem, the invention of claim 1 is a remittance system characterized by comprising a usage status storage means for storing the lifeline usage status of a recipient of remittance, and a calculation means for inferring the living conditions of the recipient based on the lifeline usage status and calculating the content of the remittance to be sent to the recipient.

[0008] The invention of claim 2 is a remittance system characterized by comprising a usage status storage means for storing the lifeline usage status of a recipient of remittance, and a calculation means for estimating the living situation of the recipient based on the lifeline usage status and determining the appropriate timing for remittance to the recipient.

[0009] The invention of claim 3 is characterized in that, in the remittance system described in claim 1, it comprises a remittance recipient information storage means for storing remittance recipient information including the relationship between the remittance recipient and the remittance sender, and the calculation means determines the content of the remittance based on the remittance recipient information.

[0010] The invention of claim 4 is characterized in that in the remittance system of claim 3, the remittance recipient information includes the preferences of the remittance recipient.

[0011] The invention of claim 5 is characterized in that, in the remittance system described in claim 2, it comprises a remittance recipient information storage means for storing remittance recipient information including anniversaries related to the remittance recipient, and the calculation means determines the timing based on the remittance recipient information.

[0012] The invention of claim 6 is characterized in that in the remittance system of claim 5, the remittance recipient information includes information regarding the employment of the remittance recipient.

[0013] The invention of claim 7 is characterized in that, in the remittance system described in claim 1, the calculation means uses a remittance learning model that has been machine-learned based on past performance data so that when the lifeline usage status is input, the remittance content is output.

[0014] The invention of claim 8 is characterized in that, in the remittance system described in claim 2, the calculation means uses a remittance learning model that has been machine-learned based on past performance data so that when the lifeline usage status is input, the timing is output.

[0015] The invention of claim 9 is characterized in that, in the remittance system described in claim 1, the calculation means transmits the calculated content of the remittance to the communication terminal of the remitted person, and when a reply is received from the communication terminal of the remitted person indicating acceptance of the content of the remittance, arrangements are made to send the content of the remittance to the remitted person.

[0016] The invention of claim 10 is characterized in that, in the remittance system described in claim 9, the calculation means transmits the contents of the remittance to the communication terminal of the sender, and when a reply is received from the communication terminal of the sender indicating that the contents of the remittance are accepted, arrangements are made to send the contents of the remittance to the recipient.

[0017] The invention of claim 11 is a remittance program characterized by causing a computer to function as a usage status storage means for storing the lifeline usage status of a recipient of remittance, and a calculation means for inferring the living situation of the recipient based on the lifeline usage status and calculating the content of remittance to be sent to the recipient.

[0018] The invention of claim 12 is a remittance program characterized by causing a computer to function as a usage status storage means for storing the lifeline usage status of a recipient of remittance, and a calculation means for estimating the living situation of the recipient based on the lifeline usage status and determining the appropriate timing for remittance to the recipient.

[0019] The invention of claim 13 is characterized in that, in the remittance program described in claim 11, the calculation means uses a remittance learning model that has been machine-learned based on past performance data so that when the lifeline usage status is input, the content of the remittance is output.

[0020] The invention of claim 14 is characterized in that, in the remittance program described in claim 12, the calculation means uses a remittance learning model that has been machine-learned based on past performance data so that when the lifeline usage status is input, the timing is output.

[0021] The invention of claim 15 is a method of sending remittances, characterized by comprising the steps of: storing the lifeline usage status of a person receiving remittances; and estimating the living conditions of the person receiving remittances based on the lifeline usage status, and determining the content of the remittance to be sent to the person receiving remittances.

[0022] The invention of claim 16 is a method of sending remittances, characterized by comprising the steps of: storing the lifeline usage status of a person receiving remittances; and estimating the living conditions of the person receiving remittances based on the lifeline usage status, and determining the appropriate timing for sending remittances to the person receiving remittances. [Effects of the Invention]

[0023] According to the inventions of claims 1, 11 and 15, the living situation of the person receiving the remittance is inferred based on the lifeline usage status of the person receiving the remittance, and the content of the remittance to be sent to the person is calculated. In other words, the content of the remittance is calculated to be appropriate for the living situation of the person receiving the remittance, making it possible to send remittances that are appropriate for the person receiving the remittance. Moreover, because the living situation of the person receiving the remittance and the content of the remittance are calculated based on the person receiving the remittance's use of lifelines, it is possible to infer the living situation of the person receiving the remittance without asking the person receiving the remittance or providing complicated devices.

[0024] According to the inventions of claims 2, 12 and 16, the living situation of a remittance recipient is inferred based on the remittance recipient's use of lifelines, and the appropriate timing for sending remittance to the remittance recipient is determined. In other words, the time and timing when the remittance recipient needs to send remittance are determined based on the remittance recipient's living situation, making it possible to send remittance that is appropriate for the remittance recipient. Moreover, because the remittance recipient's living situation and the timing for sending remittance are determined based on the remittance recipient's use of lifelines, it becomes possible to predict the timing for sending remittance without asking the remittance recipient or installing complicated devices.

[0025] According to the invention described in claim 3, the content of the remittance is calculated based on information about the recipient, including the relationship between the remitter and the remitter, making it possible to calculate appropriate remittance content for the remitter's children, parents, etc.

[0026] According to the invention described in claim 4, the content of the remittance is determined based on information about the recipient, including the recipient's preferences, making it possible to determine appropriate content of the remittance that suits the recipient's tastes, hobbies, etc.

[0027] According to the invention described in claim 5, the timing of remittance is calculated based on information about the recipient, including anniversaries related to the recipient, making it possible to remit remittance at an appropriate time that coincides with the recipient's birthday, etc.

[0028] According to the invention described in claim 6, the timing of remittance is calculated based on information about the recipient, including information about the recipient's employment, making it possible to remit remittance at an appropriate time that matches the recipient's payday, work schedule, etc.

[0029] According to the inventions described in claims 7 and 13, the contents of remittances are output using a machine-learned learning model for remittances, making it possible to determine more appropriate contents of remittances.

[0030] According to the inventions described in claims 8 and 14, the timing of sending remittances is output using a machine-learned learning model for sending remittances, making it possible to determine a more appropriate timing for sending remittances.

[0031] According to the invention described in claim 9, arrangements are made to send the contents of the remittance to the remittee only if the remitted person agrees to the contents of the remittance, making it possible to reliably send the remittance that is appropriate for the remittee (what the remittee needs).

[0032] According to the invention described in claim 10, arrangements are made to send the contents of the remittance to the remnant only if the remnant agrees to the contents of the remittance, making it possible to ensure that the remittance is appropriate for both the remnant and the remnant. [Brief explanation of the drawings]

[0033] [Figure 1] 1 is a schematic configuration diagram showing an allowance system according to a first embodiment of the present invention. [Figure 2] 2 is a schematic block diagram showing the configuration of a remittance management computer of the remittance system of FIG. 1. FIG. [Figure 3] 3 is a diagram showing the data structure of a remittance recipient database of the remittance management computer of FIG. 2. [Figure 4] 3 is a flowchart showing the operation of a remittance task of the remittance management computer of FIG. 2. [Figure 5]3 is a functional block diagram showing a schematic configuration of a remittance learning model of the remittance management computer of FIG. 2. [Figure 6] 5 is a diagram showing a message proposing remittance to the sender and the recipient in the remittance task of FIG. 4. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0034] The present invention will be described below based on the illustrated embodiments. (Embodiment 1) Fig. 1 is a schematic diagram showing the configuration of a remittance system 1 according to this embodiment. This remittance system 1 is a system for sending remittance to children, elderly parents, etc. In this embodiment, the explanation will be mainly on the case where the sender of remittance is a parent M1 and the recipient of remittance is their child M2. In other words, it is assumed that the person who has contracted for the remittance service through this remittance system 1 is a parent M1 who sends remittance to their child M2 who is a student and lives far away from the parent M1.

[0035] As will be described later, the living conditions of the recipient are estimated based on the usage of lifelines, but in this embodiment, we will explain the case where the lifeline is electricity. Here, we assume that parent M1 and child M2 receive electricity from the same power company, and that this power company provides a remittance service.

[0036] The remittance system 1 mainly comprises smartphones (communication terminals) 21, 22, a usage database (usage storage means) 3, an affiliated business server 4, and a remittance management computer 5, and the remittance management computer 5 is connected to the smartphones 21, 22, the usage database 3, and the affiliated business server 4 so as to be able to communicate freely with them.

[0037] The smartphone 21 is a multi-function mobile phone owned and used by the parent M1, and the smartphone 22 is a multi-function mobile phone owned and used by the child M2. These smartphones 21 and 22 mainly receive and display a remittance suggestion message (described later) from the remittance management computer 5, and send a reply message (described later) to the remittance management computer 5.

[0038] The usage status database 3 is a database that stores the electricity usage status of all electricity consumers who receive electricity, including the child M2 who receives remittances. Specifically, the amount of electricity usage every 30 minutes transmitted from smart meters installed in all electricity consumers' homes is stored for each smart meter's identification information and meter number. Such usage status database 3 may be configured as a meter data management system that receives data and electricity usage from each smart meter, or may be configured by storing part of the data of the meter data management system. Furthermore, in this embodiment, the usage status database 3 stores the amount of electricity usage of all electricity consumers, but it may also store the amount of electricity usage of only the child M2 who receives remittances.

[0039] The affiliated business server 4 is a server of an affiliated business that is affiliated with an electric power company that provides a remittance service and provides goods and services to the child M2 who receives the remittance. While only one affiliated business server 4 is shown in FIG. 1, if there are multiple affiliated businesses, each will have its own affiliated business server 4. As will be described later, this affiliated business server 4 primarily receives remittance requests from the remittance management computer 5 and transmits information contained in the remittance requests, such as the recipient's name, address, remittance details, and remittance timing, to a designated department or person in charge. In response, the goods or services are prepared and delivered.

[0040] The remittance management computer 5 is a computer used by electric power companies to provide remittance services, and as shown in Fig. 2, it mainly comprises an input unit 51, a display unit 52, a communication unit 53, a memory unit 54, a remittance task (calculation means) 55, a learning task 56, and a central processing unit 57 that controls these. The remittance management computer 5 may be configured with multiple computer servers, or the usage database 3 and the remittance management computer 5 may be configured with a single computer server.

[0041] The input unit 51 is an interface for inputting various information and commands, and specifically, inputs a command to start the remittance task 55, and inputs information on the recipient and remittance items, which will be described later. The display unit 52 is a display that displays various data and information, and specifically, displays the results of calculations performed by the remittance task 55, and displays response messages received from the smartphones 21 and 22. The communication unit 53 is an interface for communicating with the outside via the Internet network, telephone communication network, etc., and specifically, transmits and receives remittance proposal messages and response messages to and from the smartphones 21 and 22, and sends remittance requests to the partner business server 4.

[0042] The storage unit 54 mainly comprises a remittance recipient database (remittance recipient information storage means) 541, a remittance item database 542, a remittance learning model 543, and a learning database 544. Here, the remittance recipient database 541 and the remittance item database 542 will be explained, and the remittance learning model 543 and the learning database 544 will be explained later.

[0043] The remittance recipient database 541 is a database that stores remittance recipient information, which is information about the remittance recipient who receives the remittance. As shown in Figure 3, for each contract number 5411, the following information is mainly stored: instrument number 5412, name 5413, address 5414, contact information 5415, unique information 5416, remittance recipient information 5417, and other information 5418.

[0044] The contract number 5411 stores information identifying the contract between the remittance recipient and the electric power company, and the meter number 5412 stores the identification information and meter number of the smart meter assigned to the remittance recipient. The name 5413 stores the name of the remittee, the address 5414 stores the location and address where the electric power company supplies electricity to the remittee, and the contact information 5415 stores the contact information of the remittee, such as the email address and telephone number.

[0045] The unique information 5416 stores information necessary to send appropriate remittance to the recipient, and mainly includes information necessary to select the content of remittance appropriate for the recipient and information necessary to select the appropriate timing for sending remittance to the recipient. Here, the content of remittance includes not only money, goods, and articles, but also services, and hereinafter the content of remittance will be referred to as remittance items as appropriate. Specifically, the following information is stored: This information indicates the relationship between the remittance recipient and the remittance sender. In this embodiment, as described above, it stores the parent-child relationship, that is, the remittance recipient is the child of the remittance sender. In addition, the relationship here mainly refers to a relationship such as a blood relationship or a marriage relationship, but is not limited to a relationship as long as the relationship involves sending remittance. - Information such as the gender, age, and height of the recipient. This information is about the recipient's personality, such as their preferences and lifestyle habits. Preferences include information such as likes and dislikes about food and drink, and hobbies, while lifestyle habits include information such as whether they like things to be neat and tidy, whether they are a morning person or a night owl, etc. Information about the recipient's anniversaries (dates and details of the anniversaries), including birthdays, wedding anniversaries, and other important days for the recipient. It also includes the dates of regular remittances from the sender. -Information about the recipient's employment (including part-time work), including whether they are employed, payday, work schedule, etc.

[0046] The sender information 5417 stores information about the sender, such as a contract number 5417a, a name 5417b, an address 5417c, contact information 5417d, and other information 5417e. The contract number 5417a stores information identifying the contract between the sender and the electric power company, the name 5417b stores the name of the sender, the address 5417c stores the location and address where the electric power company supplies electricity to the sender, and contact information 5417d stores contact information such as the sender's email address and phone number.

[0047] The remittance database 542 is a database that stores information about remittances that can be sent to recipients, and is stored based on information provided by affiliated businesses. For example, it stores information about home-delivered meals, foods, and drinks that can be sent, and information about housekeeping services.

[0048] The remittance task 55 is a program task that estimates the living situation of the remittee, i.e., child M2, based on the electricity usage status, and determines the most suitable remittance item for child M2 and the most suitable timing for sending remittance to child M2. In this embodiment, the remittance task 55 is automatically started periodically, specifically, once a day at a predetermined time, but it may also be started when a start command is input from the input unit 51 specifying the remittee (child M2).

[0049] 4, the living situation of child M2 (name 5413) is estimated based on the electricity usage of child M2 stored and registered in the remittance recipient database 541 (step S1). That is, the amount of electricity usage per 30 minutes corresponding to the meter number (meter number 5412) of the smart meter assigned to child M2 is obtained from the usage status database 3, and the living situation of child M2 is estimated from this amount of electricity usage per 30 minutes.

[0050] Here, any method may be used to estimate the living situation, but estimations are made based on the time periods when electricity is used and when electricity is not used, how the electricity usage has changed compared to normal (conventional) electricity usage, and how it differs from the electricity usage of other electricity consumers. Therefore, the average electricity usage of this child M2 under normal circumstances and the average electricity usage of other electricity consumers are calculated and stored in advance for estimation. Furthermore, this estimation may be made not only based on the electricity usage of this child M2 on the day immediately before the remittance task 55 was started, but also on the electricity usage in the past days prior to that day.

[0051] For example, suppose the following: (A1) If a student's electricity usage pattern shows that they use less electricity during dinner time than other students living alone, we can infer that they eat out or skip meals more often. (A2) If the electricity usage situation is such that electricity is used almost all day and it is assumed that the person is at home all day for three consecutive days, then it is inferred that the person is in poor health. (A3) If the electricity usage is such that the electricity is only used at night, we can infer that the person is busy studying or something and is basically only at home at night, and that the room may be messy. (A4) If the amount of electricity used is the same as in spring despite it being summer, we can infer that the person is refraining from using the air conditioner and may be suffering from summer fatigue. (A5) If your electricity bill is lower (you use less electricity) than other electricity consumers of the same age who live alone, we can infer that you are conscious of saving money and energy.

[0052] Next, based on the estimated living situation and the information of the recipient of remittance for child M2 (particularly, the unique information 5416 in the recipient database 541), the optimal remittance item for child M2 is identified from the remittance items stored in the remittance item database 542, and the optimal timing for remittance is also identified (step S2). Here, the optimal remittance item is an remittance item that is suitable for child M2's living situation, and is also suitable for the fact that the sender and recipient are parent M1 and child M2, as well as child M2's gender, age, preferences, lifestyle, etc. Furthermore, the optimal timing for remittance is a timing that is suitable for child M2's living situation, and is also suitable for child M2's anniversaries, employment information, etc.

[0053] For example, it is calculated as follows. If the living situation does not require sending money, the processing for the recipient / child M2 is terminated without calculating the item and timing of sending money. In other words, the following living situation (unusual living situation) is calculated as a suitable time to send money. (B1) In the case of a living situation where eating out or skipping meals is common, as in A1 above, determine a nutritionally balanced meal to send home as a remittance, and determine a meal that suits the young child M2, their gender, and their preferences. Also, determine the timing for sending remittance, such as immediately (as soon as possible) or before the child M2's part-time job payday. (B2) In the case of a living situation where the recipient is in poor health, as in A2 above, determine what nutritious food and medicines should be sent as remittances, and determine the timing for sending them immediately. (B3) In the case of a living situation where the room may be messy, as in A3 above, a housekeeping service should be assigned as a remittance, and immediate or regular remittances (for example, at the end of each month) should be assigned as the timing of remittances. (B4) In the case of a living situation where there is a possibility of summer fatigue, as in A4 above, determine which foods to send as allowances will be effective against summer fatigue and will suit the preferences of child M2, and determine the timing for sending allowances immediately. (B5) In the case of a living situation where you are conscious of saving money and electricity, as in A5 above, calculate the amount of money to send home and calculate the timing to send it immediately, before your child M2's birthday, or before your part-time job payday.

[0054] In this remittance task 55, when the electricity usage status and information on the recipient are input, a learning model for remittance 543 that is machine-learned based on past performance data is used to output the optimal remittance items and timing. This learning model for remittance 543 is created by a learning task 56.

[0055] That is, as shown in Fig. 5, learning task 56 uses past performance data recorded and accumulated in learning database 544 to create a learning model for remittance 543 using a known machine learning algorithm such as a neural network. This learning database 544 is a database in which performance data including optimal remittance items and timing determined by experts and specialized businesses in the fields of electricity consumption, remittance services, and gifts based on input information such as electricity usage status and information on recipients. The past performance data includes actual electricity usage status and information on recipients, the remittance items and timing actually determined by experts and specialized businesses, as well as data created through advance training, etc.

[0056] This learning task 56 uses machine learning and deep learning that utilizes a neural network to create a neural network based on the performance data recorded in the learning database 544, with, for example, electricity usage status and recipient information as an input layer, the items to be sent and the timing of the remittance as an output layer, and an intermediate layer for analytical processing from the input layer to the output layer. Then, the learning task 56 uses the performance data of the remittance learning model 543 as learning data to learn various parameters in the intermediate layer. In other words, the learning task 56 learns various parameters in the intermediate layer so that the items to be sent and the timing of the remittance are appropriately output based on the electricity usage status and recipient information.

[0057] Next, as shown in Fig. 6, a remittance suggestion message including the determined remittance items and remittance timing is sent to the smartphone 21 of the parent M1 and the smartphone 22 of the child M2 (step S3). This remittance suggestion message includes the child M2's electricity usage, estimated living situation, suggested remittance items, and suggested remittance timing (not shown in Fig. 6). Here, if a remittance suggestion message with the same content has been sent retroactively within a predetermined period (e.g., within the past week), the remittance suggestion message may not be sent again. Similarly, the number of times a remittance suggestion message is sent within a predetermined period (e.g., one month) may be limited for each remittance sender or each remittance recipient.

[0058] Thereafter, when a response message is received from the smartphone 21 of the parent M1 and the smartphone 22 of the child M2 indicating that the proposed remittance (items and timing) is accepted (if "Y" in step S4), arrangements are made to send the proposed items to the child M2 at the proposed timing (step S5).

[0059] If a reply message is received from at least one of parent M1 or child M2 stating that they accept the remittance but would like the timing of the remittance to be changed, a remittance proposal message including a different timing for the remittance is sent again to parent M1 and child M2. This process is repeated, and when both parties agree to the timing of the remittance, arrangements for the remittance are made (step S5). On the other hand, if a reply message is received from the smartphone 21, 22 of at least one of parent M1 and child M2 stating that the proposed remittance is not accepted ("N" in step S4), the process for this remittee / child M2 is terminated.

[0060] Then, in step S5, a remittance request form is created that includes the approved remittance item and remittance timing, the name and address of the child M2 to whom the remittance is to be sent, and the name and address of the parent M1 from whom the remittance is to be sent, and this remittance request form is sent to the affiliated business server 4 of the affiliated business that provides the remittance item. This process is performed for all remittance recipients stored in the remittance recipient database 541.

[0061] Next, the function and operation of the remittance system 1 configured as above and the remittance method using the remittance system 1 will be described.

[0062] First, the amount of electricity used by the child M2 receiving the allowance (electricity usage status) every 30 minutes is measured by a smart meter and stored in the usage status database 3 (storage step). Next, the allowance task 55 is periodically started, and the living situation of each child M2 is estimated based on the electricity usage status of each child M2 as described above, and appropriate items and timing for sending allowance for each child M2 are determined (calculation step).

[0063] Next, the calculated items and timing of remittance are proposed to each parent M1 and child M2 (proposal step). Then, if both parties respond that they accept the proposal, arrangements are made to send the proposed items to child M2 at the proposed timing, and the partner business delivers goods and services to child M2 (remittance step).

[0064] In this way, according to this waste management system 1 and remittance method, the living situation of child M2 who receives remittance is inferred based on the electricity usage of child M2, and remittance items for child M2 are determined. In other words, items appropriate for child M2's living situation are determined as remittance items, making it possible to send remittances that are appropriate for child M2. Moreover, because the living situation and items to send for child M2 are determined based on child M2's electricity usage, it is possible to infer the living situation of child M2 without asking child M2 or installing complicated devices.

[0065] In addition, since remittances include not only money but also goods and services, it is possible to send various necessary remittances to child M2. Moreover, by sending not only money but also goods and services to child M2, it is expected that child M2 will contact parent M1 and communication will improve.

[0066] Similarly, the living situation of child M2 is inferred based on child M2's electricity usage, and the appropriate timing for sending money to child M2 is determined. In other words, the time and timing when child M2 needs to send money are determined based on his living situation, making it possible to send money that is appropriate for child M2. Moreover, because the living situation and timing for sending money to child M2 are determined based on child M2's electricity usage, it is possible to predict the timing for sending money without asking child M2 or installing a complicated device.

[0067] Furthermore, since the remittance item is determined based on information about the recipient including the relationship between the recipient and the remitter, if the recipient and the remitter are parent and child, it is possible to determine the remittance item that is appropriate for the parent-child relationship.

[0068] Furthermore, since the remittance item is determined based on the recipient information including the preferences of child M2, it is possible to determine an appropriate remittance item that matches the preferences and hobbies of child M2.

[0069] Furthermore, since the timing of remittance is calculated based on the recipient information including anniversaries related to child M2, it is possible to remit remittance at an appropriate time that coincides with child M2's birthday, etc.

[0070] Furthermore, the timing of remittances is calculated based on information about the recipient, including information about child M2's employment, making it possible to send remittances at appropriate times that match child M2's payday, work schedule, etc.

[0071] In addition, the machine-learned learning model for remittance 543 is used to output the items and timing of remittance, making it possible to determine more appropriate items and timing of remittance, thereby making it possible to send more appropriate remittances.

[0072] Furthermore, arrangements are made to send items to child M2 only if child M2 agrees to the calculated items to be sent, making it possible to ensure that items suitable for child M2 (items that child M2 needs) are sent. Similarly, arrangements are made to send items to child M2 only if child M2 agrees to the calculated timing for sending items to child M2, making it possible to ensure that items are sent at a timing suitable for child M2 (items that child M2 needs).

[0073] Moreover, arrangements are made to send an allowance to child M2 only if parent M1 also agrees to the calculated allowance, making it possible to reliably send an allowance that is suitable for child M2 and parent M1. Similarly, arrangements are made to send an allowance to child M2 only if parent M1 agrees to the calculated timing of the allowance, making it possible to reliably send an allowance at a timing that is suitable for child M2 and parent M1. (Embodiment 2) In this embodiment, we will explain the case where the recipient of the remittance is an elderly parent M2, that is, the case where remittance is sent to the elderly parent M2 of a subscriber M1 who has signed up for the remittance service, and the same symbols will be used to designate components that are equivalent to those in embodiment 1, and their explanation will be omitted.

[0074] In this embodiment, the differences from the first embodiment are mainly in the content of the remittance task 55, in which the living situation is estimated based on the electricity usage situation (step S1), and the content of the content of the optimum remittance item and timing based on the estimated living situation and the remittance recipient information (step S2). That is, the living situation is estimated and the optimum remittance item and timing are calculated taking into consideration that the remittance recipient is an elderly parent M2. For this reason, the remittance recipient information (particularly, unique information 5416) stored in the remittance recipient database 541 includes information specific to elderly people, such as information about chronic illnesses and the state of physical function.

[0075] For example, it can estimate living conditions and determine what items should be sent as remittances and when they should be sent, as follows: If the electricity usage is such that electricity is not used for most of the day, it is assumed that the person's chronic illness has progressed and they are in poor health and unable to move. In this case, a monitoring service or visiting nurse service to check on the elderly person would be calculated as the item to send, and the timing of sending the money would be immediately (as soon as possible). If electricity was previously used in the morning but has recently stopped being used, but is now used in the evening, it can be inferred that the parent has a poor appetite in the morning. In this case, the appropriate items to send to the elderly parent M2 are home-delivered breakfast meals, food, or medicines that are suited to their chronic illness and physical function (such as chewing ability), and the timing of sending the money is determined to be before a hospital visit or regularly (for example, weekly). If electricity usage remains the same as in spring despite it being summer, we can infer that the elderly parent is less sensitive to heat and may not use the air conditioner. In this case, we can determine the appropriate items to send to the elderly parent M2, such as cooling products or leased air conditioning equipment, depending on their chronic illness and physical condition, and determine the timing of the remittance to be immediately or on the nearest anniversary.

[0076] In this way, according to this embodiment, it is possible to send the most appropriate items to elderly parent M2 at the most appropriate time. (Embodiment 3) In this embodiment, a case where remittance is sent to any remittance recipient at any timing will be described, and the same components as those in the first embodiment will be assigned the same reference numerals and description thereof will be omitted.

[0077] In this embodiment, when a sender applies for the remittance service by specifying the sendee and the remittance timing, the remittance task 55 is activated, which estimates the recipient's living situation based on the recipient's electricity usage and determines the remittance items suitable for the recipient. Next, a remittance proposal message including the determined remittance items and the specified remittance timing is sent to the smartphone 22 of the child M2. Then, when a response message indicating acceptance is received from the smartphone 22 of the child M2, arrangements are made to send the proposed remittance items to the child M2 at the specified timing.

[0078] In this way, according to this embodiment, it is possible for the sender to send appropriate remittances to the recipient designated by the sender at the timing designated by the sender. If the sender does not specify the timing of the remittance, the remittance will be sent (immediately) when child M2 agrees, and by applying for the remittance service at any time, it is possible to send remittances at any time. (Fourth embodiment) In this embodiment, a case where any item can be sent to the recipient at a time suitable for the recipient will be described, and the same components as those in embodiment 1 will be assigned the same reference numerals and their description will be omitted.

[0079] In this embodiment, when a sender applies for the remittance service by specifying only the remittance recipient, the remittance task 55 is activated, which estimates the remittance recipient's living situation based on the remittance recipient's electricity usage and determines the appropriate timing for remittance for the remittance recipient. That is, as in the first embodiment, the timing for remittance is determined when the following unusual living situation is estimated, and the estimated living situation is sent to the remittance recipient in real time. In response to this, the remittance recipient selects remittance items appropriate for the remittance recipient's living situation and remits them. The timing for sending money is determined to be when electricity usage is low during dinner time, and abnormal lifestyle patterns are suspected, such as frequent eating out or skipping meals. The timing for sending money will be determined when the person has been using electricity almost all day and is in a state of unwell health, which indicates an abnormality in their living situation. The timing to send money is determined when you suspect that the electricity is only being used at night and the room is in a mess, which may indicate some unusual living conditions. The timing to send money is determined when it is suspected that the person is suffering from summer fatigue due to electricity usage that is unchanged from spring despite it being summer. The timing for sending money is determined to be when it is inferred that the person is living an unusual lifestyle, such as low electricity bills (low electricity usage) and is conscious of saving and conserving electricity.

[0080] In this way, according to this embodiment, it is possible to send money in a timely manner when an abnormal living situation is predicted.

[0081] Although the embodiments of the present invention have been described in detail above, the specific configuration is not limited to these embodiments, and the present invention also includes design changes within the scope of the present invention. For example, while the above embodiments have been described in terms of the case where the lifeline is electricity or power, the present invention is equally applicable to cases where the lifeline is gas, water, communications, or a combination of these.

[0082] On the other hand, the remittance system 1 and the remittance management computer 5 may be configured by installing the following remittance program on a general-purpose computer.

[0083] That is, the computer is equipped with a usage status storage means (usage status database 3) that stores the electricity usage status of a recipient of remittance, a remittance recipient information storage means (remittance recipient database) 541 that stores remittance recipient information including information on the relationship between the remittance recipient and the remittance recipient, as well as the recipient's preferences, anniversaries, and employment, and a calculation means (remittance task 55) that infers the living situation of the remittance recipient based on the electricity usage status and determines the content of remittance to the remittance recipient and the appropriate timing for sending the remittance based on the inferred living situation and the remittance recipient information, and the calculation means uses a remittance learning model 543 that has been machine-learned based on past performance data so that when the electricity usage status and remittance recipient information are input, the content and timing of remittance can be output. [Explanation of symbols]

[0084] 1. Remittance System 21. Recipient's smartphone (communication device) 22 Recipient's smartphone (communication device) 3. Usage database (usage storage means) 4. Partner Business Server 5. Remittance management computer 541 Recipient database (recipient information storage means) 542 Remittance Database 543 Learning Model for Remittance 55 Remittance Task (Calculation Method) M1 Parents (senders) M2 Child (recipient)

Claims

1. a usage status storage means for storing the usage status of lifelines of a recipient of remittance; a calculation means for estimating the living conditions of the recipient based on the lifeline usage status and calculating the content of remittance to be sent to the recipient; A remittance system comprising:

2. a usage status storage means for storing the usage status of lifelines of a recipient of remittance; A calculation means for estimating the living conditions of the recipient based on the lifeline usage status and determining the best timing for sending remittance to the recipient; A remittance system comprising:

3. a remittance recipient information storage means for storing remittance recipient information including the relationship between the remittance recipient and the remittance sender; The calculation means calculates the content of the remittance based on the remittee information.

2. The remittance system according to claim 1.

4. The recipient information includes the preferences of the recipient.

4. The remittance system according to claim 3.

5. a remittance recipient information storage means for storing remittance recipient information including anniversaries relating to the remittance recipient; The calculation means determines the timing based on the remittance recipient information.

3. The remittance system according to claim 2.

6. The information on the recipient of remittance includes information on the recipient's employment, 6. The remittance system according to claim 5.

7. The calculation means uses a learning model for remittance that has been machine-learned based on past performance data so that the content of the remittance is output when the lifeline usage status is input.

2. The remittance system according to claim 1.

8. The calculation means uses a learning model for remittance that has been machine-learned based on past performance data so that the timing is output when the lifeline usage status is input.

3. The remittance system according to claim 2.

9. The calculation means transmits the calculated amount of remittance to the communication terminal of the person receiving the remittance, and when a reply indicating consent to the amount of remittance is received from the communication terminal of the person receiving the remittance, the calculation means makes arrangements for the amount of remittance to be sent to the person receiving the remittance.

2. The remittance system according to claim 1.

10. the calculation means transmits the details of the remittance to the communication terminal of the sender, and when a reply indicating consent to the details of the remittance is received from the communication terminal of the sender, the calculation means makes arrangements for the details of the remittance to be sent to the recipient; 10. The remittance system according to claim 9.

11. Computer, a usage status storage means for storing the usage status of lifelines of a recipient of remittance; a calculation means for estimating the living conditions of the recipient based on the lifeline usage status and calculating the content of remittance to be sent to the recipient; A remittance program characterized by functioning as:

12. Computer, a usage status storage means for storing the usage status of lifelines of a recipient of remittance; a calculation means for estimating the living conditions of the recipient based on the lifeline usage status and determining the best timing for sending remittance to the recipient; A remittance program characterized by functioning as:

13. The calculation means uses a learning model for remittance that has been machine-learned based on past performance data so that the content of the remittance is output when the lifeline usage status is input.

12. The remittance program according to claim 11.

14. The calculation means uses a learning model for remittance that has been machine-learned based on past performance data so that the timing is output when the lifeline usage status is input.

13. The remittance program according to claim 12.

15. a step of storing the lifeline usage status of the recipient of the remittance; A step of estimating the living conditions of the recipient based on the lifeline usage status and determining the content of remittance to be sent to the recipient; A method of sending money, comprising:

16. a step of storing the lifeline usage status of the recipient of the remittance; a step of estimating the living conditions of the recipient based on the lifeline usage status and determining the best timing to send remittance to the recipient; A method of sending money, comprising:

Images