"Oshi Savings" System, "Oshi Savings" Method and "Oshi Savings" Program

Abstract

We provide a service related to "oshi savings," which reflects the actions of the "favorite" and allows users to save funds for their "oshi activities." [Solution] This system provides a service that allows users to save up funds as "oshi savings" for "oshikatsu," an activity of supporting a target "favorite." The system includes a savings account setting unit that sets up savings accounts for each favorite or for the purpose of the favorite's events, a savings condition setting unit that sets automatic savings conditions for the savings account, a favorite information acquisition unit that acquires information related to the favorite's events, and an automatic savings unit that saves a specified savings amount from the user's withdrawal account when the information related to the favorite's events matches the automatic savings conditions.

Description

[Technical Field]

[0001] The present disclosure relates to an "oshi savings" system, an "oshi savings" method, and an "oshi savings" program. [Background technology]

[0002] In recent years, the "oshikatsu" market has become huge. Here, "oshi" refers to supporting one's favorite person or character (sometimes called "oshi-teki"), such as an idol, a sports player, or an anime character. Various activities for "oshi" are called "oshikatsu," and examples of "oshikatsu" include watching an idol perform, attending a match, and traveling to these or related events. Such "oshikatsu" requires funds, and ultimately savings, but saving money each time one participates in "oshikatsu" is time-consuming.

[0003] Incidentally, when saving for a certain purpose, services are now being provided that allow users to save small amounts whenever certain events occur. For example, a financial asset formation system has been disclosed that automatically purchases financial products or deposits money into a fixed-term deposit account when triggered by an item determined in advance by the user (see Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2018-112965 Summary of the Invention [Problem to be solved by the invention]

[0005] However, in the above-mentioned conventional technology, the predetermined trigger is the user's own actions (equivalent to "oshikatsu"), and not the actions, movements, and related matters of the person, character, or other object that is the target of the action (equivalent to the "oshi-tai"). In other words, in the conventional technology, in order for a user to save money for "oshikatsu," the user himself or herself must perform "oshikatsu," and the actions, movements, and related matters of the "oshi-tai" are not reflected. This poses a problem in that it is difficult to achieve both the aspect of the user supporting the "oshi-tai" and the aspect of saving money for "oshikatsu."

[0006] Therefore, from one perspective, the present invention aims to provide a service related to "oshi savings," which reflects the actions of the "favorite" and allows users to save funds for their "oshi activities." [Means for solving the problem]

[0007] From one perspective, the present invention discloses a system that provides a service in which users can save funds as "oshi savings" for "oshikatsu," an activity of supporting a target "oshi-tachi," and that includes a savings account setting unit that sets savings accounts for each of the favorites or for the purpose of the favorites' events, a savings condition setting unit that sets automatic savings conditions for the savings accounts, a favorites information acquisition unit that acquires information related to the favorites' events, and an automatic savings unit that saves a predetermined savings amount from the user's withdrawal account when the information related to the favorites' events matches the automatic savings conditions. [Effects of the Invention]

[0008] From one perspective, the present invention makes it possible to provide a service related to "oshi savings," which allows users to save funds for their "oshi activities" while reflecting the actions of the "favorite." [Brief explanation of the drawings]

[0009] [Figure 1]1 is a schematic diagram of an overall configuration of an information processing system according to an embodiment. [Figure 2] This is an illustration of the "Oshi Savings" service (part 1). [Figure 3] This is an illustration of the "Oshi Savings" service (part 2). [Figure 4] This is an illustration of the "Oshi Savings" service (part 3). [Figure 5] This is an image of the "Oshi Savings" service (part 4). [Figure 6] This is an illustration (part 5) of the "Oshi Savings" service. [Figure 7] This is an illustration (part 6) of the "Oshi Savings" service. [Figure 8] This is an image of the "Oshi Savings" service (part 7). [Figure 9] This is an illustration of the "Oshi Savings" service (part 8). [Figure 10] 10 is a timing chart showing an example of the operation of the information processing system. DETAILED DESCRIPTION OF THE INVENTION

[0010] Each embodiment will be described in detail below with reference to the accompanying drawings.

[0011] FIG. 1 is a schematic diagram of the overall configuration of an information processing system 1 showing one embodiment of the "Oshi Savings" system.

[0012] The information processing system 1 is a system that realizes the "oshi savings" service described below, and provides a service in which users can save up funds for "oshikatsu," an activity of supporting a target "oshi-tai" (favorite). The "oshi savings" service is a service that allows users of the information processing system 1 (those who, as will be described later, engage in "oshikatsu" for the "oshi-tai" they support) to safely receive desired services from, for example, a user terminal 20 via a network 30 and a management server 10. Here, the "oshi-tai" may be a person or character that the user likes or cherishes, such as an idol, a sports player, an anime character, or one's own grandchild, or it may be any of a variety of objects that are soothing to the soul or that strongly attract one's interest, such as shrines, temples, famous places, historical sites, haunted spots, remote train stations, mountains such as Mt. Fuji, or natural attractions such as tourist spots in Karuizawa.

[0013] Regarding the current state of "oshikatsu," it is estimated that there are over 10 million people in Japan who are involved in "oshikatsu," and reports have stated that the economic market size is over 280 billion yen for anime-related products and over 150 billion yen for idol-related products, so it is highly expected that the provision of the "oshi savings" system will boost "oshikatsu."

[0014] In this embodiment, the term "savings" is used to mimic a person saving money in a piggy bank that they have at hand, but please note that "savings" here is used as a concept that includes "deposits" from the perspective of utilizing an account at a financial institution.

[0015] Service providing institutions to which this embodiment can be applied may include, for example, financial institutions such as various banks and insurance companies, as well as post offices. Users of the "Oshi Savings" service are generally individuals, but may also include unincorporated voluntary organizations and non-profit organizations (NPOs). For example, various fan clubs and supporters' associations are included. An example of the "Oshi Savings" service will be described later with reference to Figures 2 to 9, taking a bank as the service providing institution and an individual as the user, but it can be modified within a reasonable range depending on the characteristics of each user.

[0016] As shown in Fig. 1, the information processing system 1 includes a management server 10 and a user terminal 20. Although Fig. 1 illustrates one management server 10 and two user terminals 20, the information processing system 1 may be configured such that the management server 10 is made up of multiple server devices and the user terminal 20 is made up of one or three or more terminal devices, as necessary, depending on the specific application of the information processing system 1.

[0017] The management server 10 and the user terminal 20 are connected to each other via a network 30 so as to be able to communicate with each other.

[0018] The network 30 may include, for example, a wireless communication network for mobile phones, the Internet, a Virtual Private Network (VPN), a Wide Area Network (WAN), a wired network, or any combination of these.

[0019] The user terminal 20 is, for example, a smartphone or a tablet, but may also be a wearable terminal (for example, a smart watch, a ring, etc.), a remote control, etc. Furthermore, the user terminal 20 does not need to be a portable terminal, and may also be a fixed terminal such as a desktop or notebook personal computer.

[0020] The user terminal 20 comprises a communication unit 21, a processing unit 22, an input unit 23, and a display unit 24. The communication unit 21 performs various communications via the network 30. The processing unit 22 realizes various functions that can be realized by the user terminal 20, and realizes various functions (functions on the user terminal 20 side) described below by executing a program related to the "Oshi Savings" service app described below. The input unit 23 accepts input from the user necessary for carrying out the "Oshi Savings" service. The display unit 24 outputs various types of processed information. The input unit 23 and the display unit 24 may be liquid crystal displays, organic EL (Electro-Luminescence) displays, etc., or may be configured as a shared device.

[0021] The user terminal 20 has installed thereon an application according to this embodiment (hereinafter referred to as the "Oshi Savings service app"). The user terminal 20 described below is realized by executing the "Oshi Savings" service app. The "Oshi Savings" service app is an app for the "Oshi Savings" service, and may require registration of user information (user ID) etc. as a condition of use. Hereinafter, the user terminal 20 associated with a user means a user terminal 20 on which the "Oshi Savings" service app is running and which is logged in with the user ID associated with the user.

[0022] The management server 10 is installed in a service provider (such as a bank) that provides the "oshi savings" service according to this embodiment. The management server 10 may be configured to cover all users, or may be provided by area according to the regional characteristics of the "oshi destination," or by category according to the category of the "oshi destination" (attributes such as idol, sports player, anime character, etc.). The management server 10 is formed, for example, by a server computer. The management server 10 may be realized by multiple server computers. For example, the management server 10 may be realized by multiple server computers located in different locations working together.

[0023] The types of "oshikatsu" to which the "oshi savings" service can be applied are arbitrary, but examples include participation fees for the "oshi-tai" event (such as admission fees to the venue), transportation costs to visit the event location and accommodation costs if necessary, the cost of purchasing or producing "oshikatsu" goods, the cost of purchasing gifts for the "oshi-tai" and the cost of purchasing campaign goods for the "oshi-tai." On the other hand, "oshi-tai" events include, for example, in the case of idols, live performances, street corner campaigns, autograph sessions, etc., and in the case of sports players, the relevant matches, social gatherings with fans, etc. If the "oshi-tai" is a famous place, a haunted spot, a natural feature such as a mountain, or an event such as a festival, tours, information sessions, etc. organized by the administrators of those places or related organizations may also be included. In this specification, the term "event" is used in a broad sense to include not only "occasions, events" but also "occurrences, occurrences." When we say "the purpose of the event of the idol," we do not limit it to the former meaning as described above, but also broadly interpret it as the subject of "oshikatsu," including the idol's personal events. For example, a private situation posted on social media by an idol when they take a personal trip away from work could also be an opportunity for automatic savings according to the embodiment described below.

[0024] In this embodiment, as described above, users may include not only individuals but also unincorporated voluntary organizations and non-profit organizations (NPOs). However, the following description will focus on individuals as an example. Note that if an account opened in this system is in the name of a person who is subject to age restrictions for deposits and withdrawals, such as a person under the age of majority, the user may also be the person's guardian. In this case, the user terminal 20, in relation to the management server 10, may include a user terminal 20 used, to the extent possible, by a child who is the account holder, and a user terminal 20 used by a user who is the account holder's guardian.

[0025] The management server 10 is a server that performs a savings service including authentication related to the "Oshi Savings" service. The management server 10 may also be used as a server that performs authentication for services (applications) other than the "Oshi Savings" service.

[0026] The "Oshi Savings" service in this embodiment will now be described with reference to Figures 2 to 9. Figures 2 to 9 are conceptual diagrams of the "Oshi Savings" service, respectively.

[0027] An outline of the "Oshi Savings" service according to this embodiment will be described.

[0028] The "oshi savings" is triggered by an event of the "favorite person," and a typical example of this may be configured as follows: That is, when the "favorite person" takes some action, the action triggers the user to start saving for their own "oshi-katsu." For example, as shown in FIG. 2, when the "favorite person" posts something on SNS, if the information processing system 1 detects the post, the post is displayed on the user terminal 20 and a predetermined amount (100 yen in this case) is automatically or manually saved in the "oshi savings" account based on the user's preset saving conditions, such as "saving 100 yen per post."

[0029] Also, as shown in Figure 3, for example, if the "favorite" appears on TV, when the information processing system 1 detects the appearance, the appearance is displayed on the user terminal 20 and a predetermined amount (500 yen in this case) is automatically or manually deposited into the "favorite savings" account based on the user's preset savings conditions, such as "saving 500 yen per program," as the user terminal 20 detects the appearance. Note that if the above post includes content such as "The "favorite" will be appearing on '~' program on such and such TV station on such and such date, everyone please come and watch," the savings conditions may be set to "saving 600 yen per program," for example.

[0030] When the information processing system 1 detects information related to the behavior of the "favorite" and ultimately to an event, the user terminal 20 may display an emotional illustration of supporting the "favorite" as shown in Figure 4, or an illustration expressing the feelings of fulfillment that come from actively making "favorite savings" as shown in Figure 5.

[0031] By the way, the systemization of "Oshi Savings" will solve the following problems for users in particular: (1) Saving money with cash is a hassle. (2) Saving cash requires the hassle of exchanging money when making payments. (3) It's a hassle to actually save money in cash...

[0032] The "oshi savings" service according to this embodiment solves these problems, allowing users to support their "favorites" comfortably, while eliminating the hassle of saving money by eliminating the effort required for saving money, thereby eliminating the user's own sense of hassle. Therefore, the "oshi savings" service according to this embodiment is constructed from the following perspectives. Regarding (1), the “oshi savings” will be digitized, that is, made into digital savings, making it hassle-free. Regarding (2), we provide a one-stop service that handles everything from savings to payments for expenses related to “oshikatsu” through a single account. Regarding (3), by making actions such as posts by the “favorite” or even events the trigger for saving, users will be able to save in a fun way through automatic savings.

[0033] Furthermore, as mentioned above, the "supporters" that are the targets of "oshikatsu" (supporting activities) are not limited to idols and anime characters, but also include, for example, baseball and soccer players, and other sports figures. Other than people and pseudo-characters, the scope of the "supporters" is expanding to include, for example, historical sites, haunted spots, natural features such as mountains, and events such as festivals. The "supporter savings" system of this embodiment can be harmoniously applied to these "supporters." Taking a baseball player as an example, as shown in FIG. 6 , automatic savings can be triggered by a long-distance batter hitting a home run or a starting pitcher becoming the winning pitcher. Of course, trigger indicators are not limited to these, and users can freely set indicators that trigger automatic savings depending on the characteristics of the "supporter" player. For example, achieving a certain batting average, scoring RBIs, successfully stealing bases, earning saves, or achieving a certain number of strikeouts can also be associated with automatic savings, reflecting the sense of accomplishment that comes from cheering.

[0034] Next, the information processing system 1 relating to the "Oshi Savings" service will be described.

[0035] The services provided by the "Oshi Savings" service can be broadly divided into two types. Figure 7 shows one of these, the automatic savings service. The central box in Figure 7 shows the information processing system 1. The automatic savings service is a more convenient version of traditional cash savings. First, the user sets automatic savings conditions for the information processing system 1, as shown in the left part of Figure 7. The automatic savings conditions include the "oshi-tai" (favorite idol) the user supports, which are detected by the information processing system 1, the actions and events of the "oshi-tai" that trigger automatic savings, and the savings amount per time associated with the action and event. For example, as mentioned above, automatic savings conditions can be set in the system, such as saving 100 yen when the "oshi-tai" idol posts on social media and saving 500 yen when the "oshi-tai" baseball player hits a home run.

[0036] The actions of the "favorite" and the "amount of savings per time" that were set when the automatic savings service was first used may be changeable during use. For example, if the "favorite" is a baseball player and automatic savings are set according to the number of home runs, if the performance does not improve as expected by the user, the user may change the indicator from the number of home runs to the number of hits or the number of bases, or may set multiple indicators so that automatic savings are executed not only when the number of home runs but also when the number of hits or bases increases.

[0037] The automatic savings may be limited to prevent the total savings amount from becoming excessive. For example, an upper limit may be set, such as a daily savings amount of XX yen or a daily number of savings of △△ times. The upper limit may be set for a period of one week or one month instead of one day. For example, the upper limit may be set to 2,000 yen per month. Furthermore, if there is a target amount for the total automatic savings amount, that target amount may be set as the upper limit. If such an upper limit is set, automatic savings exceeding the upper limit will not be executed even if the information processing system 1 detects the set indicator.

[0038] The information processing system 1 is connected to a network, and when use is initiated, it automatically detects information on the actions or events of the "favorite" that are set as the automatic savings conditions from the network using AI (artificial intelligence). As a result, even if the user is unable to watch the actions or events of the "favorite" due to other commitments, the information processing system 1 automatically detects this and leads to automatic savings. The individual parts of the information processing system 1, including the AI ​​part, will be described later.

[0039] To execute the automatic savings service, a "savings account" is opened in advance, and a "registered bank account" that will supply the amount to be saved to the "savings account" is registered. When the information processing system 1 automatically detects information related to the automatic savings conditions using AI, it automatically saves the specified savings amount per installment from the registered bank account to the "savings account." As a result, when the information related to the automatic savings conditions is automatically detected, the information processing system 1 can execute automatic savings regardless of the user's situation.

[0040] The "savings account" is a dedicated account for "oshi savings." However, the "savings account" is configured as an account that can be used to settle funds required for "oshi-katsu," and is different from a regular savings account. As a result, the "savings account" can achieve both automatic savings for "oshi-katsu" and settlement of funds required for "oshi-katsu" in one account, providing users with a one-stop service.

[0041] Another service offered by the "Oshi Savings" service is a manual savings service that utilizes AI, as shown in Figure 8. This service is provided when the actions of the "oshi-tai" or the circumstances surrounding those actions are "hotter" than those set as triggers in the automatic savings conditions mentioned above. Here, "hot" refers to a state of extremely high (heated) expectations, as in the abbreviation "mune atsu" (heart-warming), which means "my heart is burning."

[0042] Examples of "hot" things include the following. If the "favorite" is an idol, and the trigger for the automatic savings condition is a post about the idol's daily life, then "hot posts" may include a video of the "favorite" performing on stage, a post announcing that the "favorite" has been cast, or a post announcing an upcoming collaboration event. If the "favorite" is a baseball player, and the trigger for the automatic savings condition is simply hitting a home run, then "hot situations" may include a home run with the bases loaded, a home run resulting in a comeback or walk-off win, or a home run that determines the total number of home runs or the home run title for that season. Home runs in memorable games, such as a game in which the league championship is at stake or an international tournament like the WBC, may also be considered. If the "favorite" is a soccer player, then "hot situations" may include set plays such as penalty kicks, corner kicks, and free kicks, or a red card being issued to the opponent. Furthermore, memorable matches may also be included, such as matches that determine the rankings in the domestic league, matches that determine whether a team will advance through the qualifying rounds in an international tournament such as the World Cup or Asian Cup, matches that determine whether a team will advance through the group stage of the main tournament, or matches that determine whether a team will advance to the round of 16 in the final tournament.

[0043] When the AI ​​of the information processing system 1 according to this embodiment automatically detects a "hot post" or "hot status" for a "favorite" that is set as a target for automatic savings conditions, it makes a real-time suggestion to the user regarding manual savings conditions, suggesting that the user make a manual savings amount greater than the savings amount under the automatic savings conditions, instead of or in addition to the automatic savings conditions. If the user agrees with this suggestion, they specify the savings amount and make the manual savings. This suggestion may be at least one of a new setting and a modified setting based on learning by the AI.

[0044] If a user agrees with the proposed manual saving conditions and makes a manual saving, the operator of the information processing system 1 may award the user points as an incentive. The manner in which points are awarded and used may be set arbitrarily, but the points may be added to the amount of savings in the "savings account," or, if a fee is incurred in paying the expenses for "oshikatsu," the points may be used to cover the fee. Furthermore, if a user makes a manual saving in response to a proposal based on a suggestion from the "favorite," the user may be rewarded with a message from the "favorite" or with the ability to watch rare footage (still images, videos).

[0045] It is preferable that the status of manual savings made by the user is reflected in the AI's learning. This can improve the accuracy of proposals so that they can be made according to the user's preferences. Note that improving the accuracy of proposals may include grouping proposals. For example, proposals that are highly likely to resonate with the user may be grouped as group A, proposals with a medium probability of resonating with the user may be grouped as group B, and proposals with a low probability of resonating with the user may be grouped as group C. User preferences also change over time, and it is expected that the same proposal may fall into group A or group C depending on the time period. Therefore, grouping is performed as a means of analyzing such changes.

[0046] Regarding the content of "hot posts" and "hot status," in addition to suggestions by AI, a function may be provided that allows suggestions from the "favorite" side to be accepted and makes suggestions based on the suggestions. This function will be provided based on a contract between the operators of the information processing system 1 and the "favorite" side, and, if necessary, also based on the user's agreement. This suggestion from the "favorite" side will be useful information for the user. On the other hand, the user is free to accept this suggestion from the "favorite" side, but if they do accept it, a suggestion may be made to manually save more than the amount suggested by AI learning, and more points may be awarded.

[0047] In addition to proposing the manual savings conditions described above, the AI ​​of the information processing system 1 may also propose at least one of new and changed settings for the "favorite" and automatic savings conditions based on learning. For example, as a new setting, the AI ​​may learn the user's preferences from the performance of the previously set "favorite" and automatic savings conditions, and propose a new "favorite" and automatic savings conditions with similar or identical trends. Furthermore, as a change setting, the AI ​​may propose the next "favorite" and automatic savings conditions when the "favorite" set by the user stops performing and the automatic savings conditions are no longer met, for example, when an athlete retires or an idol group disbands.

[0048] Furthermore, new settings and changes to such "favorites" and automatic savings conditions may be made based on suggestions from the "favorites" themselves. For example, if a "favorite" athlete retires and recommends a successor, such as "Please support player X after me," or if a "favorite" idol group disbands and one of the members expresses his or her intention to continue activities, such as "I'll be working solo from now on, so please continue supporting me," the next "favorites" and automatic savings conditions may be proposed based on these suggestions.

[0049] The above has described the "oshi savings" service provided by the information processing system 1, but to summarize, the above-mentioned automatic savings service and the manual savings service utilizing AI may be provided separately, or both services may be provided in parallel as shown in Figure 9. In other words, the "oshi savings" service provided by the information processing system 1 will include the above-mentioned automatic savings service and / or the manual savings service utilizing AI (including proposals based on presentations from the "favorite" side).

[0050] In this regard, to summarize the benefits for users, the provision of purpose-specific accounts is already a service available at financial institutions, but with the "Favourite Savings" service that uses the "savings account" of this embodiment, users can enjoy the following services that are not possible with conventional purpose-specific accounts. -You can receive an automatic savings service that automatically detects pre-set automatic savings conditions from the network and automatically saves money. -You can receive a manual savings service that uses AI to reflect the popularity of the "Oshikatsu" content and allows you to save money manually. Both the automatic savings service and the manual savings service using AI can be provided. With any of these services, you can receive one-stop service, including payment of your "oshikatsu" expenses, using your "savings account."

[0051] By providing the "Oshi Savings" service, the financial institution operating the information processing system 1 aims to expand access to the "Oshikatsu" market and can expect to earn income from payment fees on the "savings account," which provides a one-stop service from savings to payments. Furthermore, by realizing the content of the "Hot Posts" and "Hot Status" that the "Oshi-tai" presents, users who save in response to the proposal are awarded points, further strengthening the connection with fans (users) in real time. Furthermore, as the promotion progresses, the "Oshi-tai," the "Oshi-tai"'s affiliation, financial institutions, and fans (users) can partner to develop limited-edition plans for the "Oshi Savings" service.

[0052] Next, referring back to Figure 1, the information processing system 1 will be further explained while supplementing the contents explained in Figures 2 to 9. Note that, below, we will first explain the case where the above-mentioned automatic savings service is realized, and then we will explain the manual savings service, focusing on the differences from the automatic savings service. Also, below, the AI ​​proposals of the information processing system 1 will be explained in the context of the manual savings service, but this is to avoid complication of explanation, and as mentioned above, AI proposals may also be included in the context of the automatic savings service.

[0053] (Automatic savings service) In this embodiment, as shown in FIG. 1, the management server 10 for the Oshi Savings System includes, as the processing unit 12, a savings account setting unit 121, a savings condition setting unit 122, a recommended user information acquisition unit 123, an automatic savings unit 124, a bookkeeping unit 125, an AI unit 126, a transmission unit 127, an information sharing unit 128, and a point granting unit 129, and, as the memory unit 13, a recommended user information memory unit 131, a savings condition memory unit 132, and a user information memory unit 133. Each unit of the processing unit 12 can be realized by the CPU of the server computer executing a program. The memory unit 13 can be realized by a storage device of the server computer.

[0054] First, the storage unit 13 will be described. The favorite information storage unit 131 is a database of information (hereinafter referred to as "favorite information") related to the "favorites" who are the targets of the "favorite savings" and the "favorites"' actions such as postings on social media that trigger the "favorite savings," events such as live performances and campaigns, and performances such as home runs by athletes. The savings condition storage unit 132 is a database of automatic savings conditions associated with the favorite information (e.g., the savings amount per time associated with each favorite information that triggers automatic savings, as described above). The user information storage unit 133 is a database of user information (such as the name of the user and their guardian) who has set up a savings account. While FIG. 1 illustrates an embodiment in which these storage units 13 are included in the management server 10 related to favorite savings at a service provider (a financial institution such as a bank), the storage unit 13 may also be a separate server provided at the service provider.

[0055] Next, the processing unit 12 will be described.

[0056] The savings account setting unit 121 accepts a user's request to set up a savings account for saving money for a favorite sport, and sets up the savings account for each "favorite" or for the purpose of the "favorite's" event. The user submits a setting up request to the savings account setting unit 121 from the user terminal 20 to set up a savings account according to the "favorite" they support. However, instead of setting up a savings account for each "favorite," a savings account may be set up for each action or event of the "favorite." In this case, a "favorite" may be a single "favorite" or may include multiple "favorites." Also, if a "favorite" is not a specific individual but a team, such as a baseball or soccer team, a savings account may be set up for each team. The setting up request includes registration of a registered bank account (withdrawal account) that will provide the source of the savings amount to be saved in the savings account.

[0057] A user applies for the establishment of a savings account using a dedicated user interface (not shown) provided in the "Oshi Savings" service app (for example, referred to as a "digital Oshi Savings App") installed on their user terminal 20. The user may be able to transmit their personal information for identity verification to the savings account setting unit 121. The user may also transmit their individual savings information together with their personal information for identity verification. In this case, the savings account setting unit 121 can simultaneously receive the user's personal information for identity verification and the savings information, making it easy to associate the user's personal information for identity verification with the savings information. The application for the establishment of a savings account may be made through a separate contract or the like between the user and a service provider (a financial institution such as a bank) rather than through the user terminal 20. In this case, the user's personal information for identity verification and the savings information are associated separately by inputting them into the savings account setting unit 121.

[0058] The personal information may be authenticated based on online electronic identity verification using eKYC (electronic Know Your Customer) or self-information acquisition using an API (Application Programming Interface). An API is an interface used when software programs exchange information with each other, and in this embodiment, the API may be used in login and logout processes that involve user identity verification.

[0059] The savings account setting unit 121 sets up one or more savings accounts based on the setting application. When a user applies for one savings account, a single savings account is set up, but if there are multiple "favorites" or if the user wants to set up an account for each "favorite activity," multiple savings accounts corresponding to each "favorite" or "favorite activity" may be opened with a single setting application. In this case, for example, consecutive savings account numbers may be assigned, allowing efficient management of multiple savings accounts related to a single user.

[0060] The single or multiple savings account numbers assigned to a savings account are linked to savings account data such as the user ID, expiration date (if necessary), the name of the "favorite," the name of the "favorite's" action or event, and the registered bank account number that will be the source of savings. Note that users may be assigned unique IDs and pre-registered and stored in the savings condition storage unit 132. In this case, at the time of application for setting up, a user is selected from registered users for each specific event.

[0061] The savings account setting unit 121 may further include a "destination" code assigned to each "destination." The "destination" code may be set arbitrarily, but for ease of management, it is preferable if it is associated with a savings account number. For example, if multiple "savings accounts" are set for multiple "destinations," each "destination" code may be assigned as an account number by adding a subnumber to the savings account number, such as "99123007-01 to 03." By setting an account number for each "destination" in this way, the management server 10 can automatically and easily perform processes from savings to settlement.

[0062] The savings condition setting unit 122 registers, for each savings account number, the actions or events of the "favorite" and the corresponding savings amount, and sets automatic savings conditions including the "favorite", the actions of the "favorite", the savings amount, and the deposit deadline.

[0063] When automatic savings conditions including the savings amount and deposit due date based on a specific action or event of the "favorite" that triggers the "favorite savings" are input, the savings condition setting unit 122 associates the automatic savings conditions based on the savings account data linked in the savings account setting unit 121. In addition, the savings account data is updated as necessary.

[0064] In addition, the automatic savings conditions may be treated as one with the updated savings account data.

[0065] The target information acquisition unit 123 acquires "target information" including information related to the target's actions such as postings on social media, events such as live performances and campaigns, and sports player achievements such as home runs, via the network 30 to which the information processing system 1 is connected.

[0066] When the recommended destination information acquired by the recommended destination information acquisition unit 123 satisfies the automatic savings conditions set in the savings condition setting unit 122, the automatic savings unit 124 transfers an amount equivalent to the set savings amount from the withdrawal account, which is the user's registered bank account, to the savings account.

[0067] The bookkeeping unit 125 records the savings history of the automatic savings unit 124 in the Oshikatsu passbook related to the Oshi Savings. The savings history includes, for each predetermined savings amount saved, the "Oshi destination" and "Oshikatsu" details set in the automatic savings conditions, the savings amount, and the deposit due date.

[0068] As described above, the AI ​​unit 126 functions by AI (artificial intelligence) and automatically detects information that matches the automatic savings conditions from information accessible via the network. When it automatically detects information that matches the automatic savings conditions, it causes the automatic savings unit 124 to execute automatic savings. The AI ​​unit 126 may function as a control tower for causing the recommended destination information acquisition unit 123 and the automatic savings unit 124 to function, or it may function as a department that replaces both units collectively. In the latter case, the AI ​​unit 126 transfers an amount equivalent to the set savings amount from the withdrawal account, which is the user's registered bank account, to the savings account.

[0069] The transmission unit 127 automatically detects an action or event of the "favorite" that triggers the "favorite savings," and when the "favorite savings" is executed, transmits the latest automatic savings record along with the corresponding automatic savings conditions to the user terminal 20. The automatic savings record may be transmitted from the management server 10 to the user terminal 20 each time an automatic savings is made, or the record for a set period, for example, one day or one week, may be transmitted all at once.

[0070] If a savings account has a target total savings amount, the results may include a numerical trend or a graph showing the percentage of the target amount achieved. This trend in results can be useful reference information when deciding whether to make manual savings, as described below.

[0071] The information sharing unit 128 makes information related to the automatic savings conditions and / or the Oshikatsu passbook viewable by fellow Oshikatsu members, including the user, so that the information can be shared with the Oshikatsu members and get excited about the group. However, the information related to the automatic savings conditions and / or the Oshikatsu passbook may include matters related to the user's personal information, and in order to prevent any fraudulent activity from occurring, it may be possible to limit the information that can be viewed or the friends who can view the information.

[0072] (Manual savings service) In addition to the departments mentioned above, the Manual Savings Service also has the following departments:

[0073] The AI ​​unit 126 can automatically detect from the network information relating to the actions and situations of the "favorite" that are hotter (as mentioned above, this means "hot") than the actions of the "favorite" set as the automatic savings conditions in the automatic savings service. When the AI ​​unit 126 automatically detects "hot posts" or "hot situations" as a result of learning, it suggests to the user via the transmission unit 127 whether to make manual savings in addition to the automatic savings.

[0074] If the user agrees with the received proposal, he or she can manually operate the automatic savings unit 124. The AI ​​unit 126 reflects in its learning what proposals have resonated with the user, i.e., which proposals have led to manual savings, thereby improving the accuracy of the proposals.

[0075] The AI ​​unit 126 may also be configured to be able to accept "hot posts" and "hot status" presented by the "target" side. As mentioned above, this function is set based on a contract between the management of the information processing system 1 and the "target" side, and, if necessary, also based on the user's agreement, and leads to strengthening the bond between the "target" and the user (fan). When the AI ​​unit 126 accepts a "hot post" or a "hot status", the AI ​​unit 126 will suggest to the user via the transmission unit 127 whether to make a separate manual savings plan, clearly indicating that this is not an automatic savings plan or a proposal made by the AI ​​unit 126.

[0076] The user is free to decide whether or not to accept the manual savings proposal made by the AI ​​unit 126 (including proposals based on the presentation from the "favorite" side), but if the user agrees with the proposal and makes a manual savings, the AI ​​unit 126 will use the point granting unit 129, which will be described next, to grant points to the user.

[0077] When a user makes a manual saving, the point giving unit 129 gives the user points as an incentive from the management side of the information processing system 1. The manner of setting points is arbitrary, but the numerical value of points and the manner of giving and using points may be changed depending on whether the AI ​​unit 126 makes a proposal that reflects its own learning effect or a proposal based on a presentation from the "recommended user" side.

[0078] The manner in which points are awarded and used may be set arbitrarily, but they may be added to the amount of points saved in the "savings account" (for example, 1 point is equivalent to 1 yen), or if a fee is incurred in paying for expenses for "oshikatsu," they may be used to cover that fee. Furthermore, when points are awarded based on a submission from the "favorite," the points may be reflected in actions taken by the "favorite," such as the provision of campaign goods provided by the "favorite," or the issuance of complimentary tickets or invitations to events.

[0079] Next, an example of the operation of the information processing system 1 will be described with reference to FIG.

[0080] 10 is a timing chart showing an example of operation of the information processing system 1. This example of operation is realized by the steps described below as an information processing method for processing the "Oshi Savings" service at a service provider (such as a bank) and an information processing program for causing a computer to execute the processing related to each step.

[0081] 10 shows a schematic diagram of the exchange of main information between one user terminal 20 and one management server 10. Here, as an example, the description focuses on the automatic savings service described above, with additional information on the manual savings service. While the example shows a case in which one user terminal 20 and one management server 10 work together, the combination of user terminal 20 and management server 10 may be changed to the extent that it does not interfere with the provision of the "Oshi Savings" service, taking into account operational suitability.

[0082] First, in step S100, a user of the "Oshi Savings" service starts up the "Oshi Savings" service app (for example, called a "digital Oshi Savings app") on their own user terminal 20 in order to set up a savings account.

[0083] Next, in step S102, the user sends an application to set up a savings account to the management server 10, and the management server 10 accepts the application to set up a savings account (a part of the savings account setting step / savings account setting process). Note that if an application has already been made and the savings account has already been set up, step S102 may be a step of inquiring about the savings account number of the set up savings account.

[0084] In step S104, the management server 10 sets up a savings account based on the setting application from the user terminal 20 (savings account setting step / savings account setting process). Note that if a setting application has already been made and the savings account has already been set up, step S104 may be a step of searching for the savings account number of the set up savings account.

[0085] In step S106, the user sets the automatic savings conditions, such as the "favorite person," the actions of the "favorite person" that will trigger the "favorite person savings," and the amount of savings per time, and transmits these conditions together with personal information for identity verification to the management server 10. The method for generating the personal information for identity verification and the automatic savings conditions may be as described above.

[0086] In step S108, when the management server 10 receives personal information for identity verification and automatic savings conditions from the user terminal 20, it links the information to a savings account based on the received personal information for identity verification and automatic savings conditions (automatic savings condition setting step / automatic savings condition setting process).

[0087] In step S110, the management server 10 automatically detects information that matches the automatic savings conditions from among the information accessible via the network (recommended destination information acquisition step / recommended destination information acquisition process).

[0088] In step S112, when the management server 10 automatically detects information that matches the automatic savings conditions, it automatically deposits the savings amount per transaction from the registered bank account (withdrawal account) into the savings account (automatic savings step / automatic savings processing).

[0089] In step S114, the management server 10 transmits a report to the effect that the automatic savings has been executed to the user terminal 20 together with the corresponding automatic savings conditions and the savings amount per time (transmission step / transmission process).

[0090] In step S116, the management server 10 makes a manual savings suggestion (including suggestions based on the recommendations of the recommended users) to the user regarding "hot posts" and "hot status" by the AI ​​unit 126 (manual savings suggestion step / manual savings processing).

[0091] In step S118, the user considers whether to accept the proposal of the AI ​​unit 126, and if they agree, inputs to the management server 10 to execute manual savings (manual savings execution step / manual savings execution process).

[0092] In step S120, the management server 10, in response to the execution of the manual saving, gives points to the user and transmits a notice to that effect to the user (point giving step / point giving process).

[0093] In Figure 10, the execution of the manual savings service relating to steps S116 to S120 and the associated point allocation are illustrated as steps that occur after the execution of the automatic savings service relating to steps S108 to S114. However, this is described solely for the convenience of explanation, and it should be noted that there is no limitation on the chronological order of the execution of the manual savings service and the execution of the automatic savings service.

[0094] Although each embodiment has been described in detail above, it is not limited to a specific embodiment, and various modifications and changes are possible within the scope of the claims. It is also possible to combine all or a plurality of components of the above-described embodiments.

[0095] For example, in the above-described embodiment, the management server 10 is mainly exemplified as being installed in a service provider (such as a bank), but in order to provide a variety of services, it can be installed integrally with servers for other purposes. For example, the management server 10 may be installed in a member-only service provider location of the institution and realize the reception function of the service provider. In this case, the service provider may be operated in response to execution commands from the management server 10 installed in the member-only service provider location.

[0096] Furthermore, in the above-described embodiment, the "favorite" who performs the action or event that triggers the "favorite savings" is assumed to be an individual, but the "favorite" may also be an organization to which the individual belongs (for example, a baseball or soccer team), or, if the "favorite" is a natural object, it may be its administrator / management organization.

[0097] In addition, in the above-described embodiment, the processing unit 12 and the memory unit 13 are provided in one management server 10, but the processing unit 12 and the memory unit 13 may be distributed to suit the actual system of the service provider, and each part of the processing unit 12 and each part of the memory unit 13 may be distributed and arranged. [Explanation of symbols]

[0098] 1. Information Processing Systems 10 Management Server 12 Processing section 121 Savings Account Setting Section 122 Savings Condition Setting Section 123 Recommended Information Acquisition Department 124 Automatic Savings Department 125 Bookkeeping Department 126 AI Department 127 Transmitter 128 Information Sharing Department 129 Points Awarding Department 13 Storage section 131 Recommended Information Storage Unit 132 Savings condition memory unit 133 User information storage unit 20 User terminal 21 Communications Department 22 Processing section 23 Input section 24 Display section 30 Network

Claims

1. A system that provides a service in which users can save up funds for "oshikatsu," an activity to support a target "oshi destination," as "oshi savings," A savings account setting unit that sets a savings account for each of the recommended destinations or for each purpose of the events of the recommended destinations; a savings condition setting unit that sets automatic savings conditions for the savings account; a destination information acquisition unit that acquires information related to the destination event; A system comprising an automatic savings unit that saves a predetermined savings amount from the user's withdrawal account when information related to the event of the recommended destination matches the automatic savings conditions.

2. The system described in claim 1 further comprises a bookkeeping unit that records a savings history including events of the favorite person that meet the automatic savings conditions saved by the automatic savings unit in an Oshikatsu passbook related to the Oshi savings.

3. The system according to claim 1 , wherein the automatic savings unit is capable of setting an upper limit for the predetermined savings amount for a predetermined period.

4. The system of claim 1 further comprises an AI unit that proposes at least one of new settings and changed settings for the recommended destination, the automatic savings conditions, and / or the manual savings conditions.

5. The system described in claim 4, wherein the AI ​​unit is capable of proposing at least one of new settings and changed settings for the recommended target, the automatic savings conditions and / or the manual savings conditions based on presentations from the recommended target.

6. The system according to claim 2, further comprising an information sharing unit that shares information relating to the automatic savings conditions and / or the Oshikatsu passbook with Oshikatsu friends formed including the user.

7. A method for providing a service in which users can save funds for "oshikatsu," an activity to support a target "oshi destination," as "oshi savings," A savings account setting step of setting a savings account for each of the recommended destinations or for each purpose of the events of the recommended destinations; an automatic savings condition setting step for setting automatic savings conditions for the savings account; a destination information acquisition step of acquiring information related to the destination event; The method includes an automatic savings step of saving a predetermined savings amount from the user's withdrawal account when information related to the event of the recommended destination matches the automatic savings conditions.

8. A program that provides a service in which users can save up funds for "oshikatsu," an activity to support a target "oshi destination," as "oshi savings," A savings account setting process for setting a savings account for each of the recommended destinations or for each purpose of the events of the recommended destinations; An automatic savings condition setting process for setting automatic savings conditions for the savings account; A recommended destination information acquisition process for acquiring information related to the recommended destination event; A program that causes a computer to execute an automatic savings process that saves a specified savings amount from the user's withdrawal account when information related to the event of the recommended destination matches the automatic savings conditions.

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