system

Abstract

We provide the system. [Solution] A means of connecting to databases of multiple financial institutions from an information processing device and obtaining user financial data, A means of analyzing acquired financial data to identify user spending patterns and changes in income, Based on the analysis results, a means to recommend the optimal financial strategy to the user, A means of monitoring the user's spending in real time and immediately suggesting the optimal payment method, A system that includes means to automatically execute recommended financial strategies with the user's approval.

Claims

1. A means of connecting to databases of multiple financial institutions from an information processing device and obtaining user financial data, A means of analyzing acquired financial data to identify user spending patterns and changes in income, Based on the analysis results, a means to recommend the optimal financial strategy to the user, A means of monitoring the user's spending in real time and immediately suggesting the optimal payment method, A system that includes means to automatically execute recommended financial strategies with the user's approval.

2. The system according to claim 1, wherein the information processing device includes means for visually displaying collected financial data to the user and notifying the user of suggested payment methods.

3. The system according to claim 1, comprising an information processing device that selects and proposes in real time the optimal payment method for maximizing the user's point acquisition.

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