Accounting systems, accounting methods, and accounting programs

Abstract

We provide an accounting system that centrally manages both personal and business accounts. [Solution] The accounting system comprises a management module that selectively registers multiple detailed account titles for use in household accounting or business accounting to generate journal entry data, registers the journal entry data in a database based on double-entry bookkeeping, and centrally manages household accounting and business accounting using double-entry bookkeeping. The accounting system further comprises a transaction information recognition module that analyzes character information or codes contained in images of supporting documents to recognize transaction information, and a journal entry suggestion module that analyzes the transaction information obtained from the transaction information recognition module and proposes multiple detailed account titles for use in household accounting or business accounting, and the management module selectively registers the multiple detailed account titles proposed by the journal entry suggestion module for use in household accounting or business accounting.

Description

[Technical Field]

[0001] The present disclosure relates to an accounting system, an accounting method, and an accounting program for managing accounting by double-entry bookkeeping. [Background Art]

[0002] In recent years, many small-scale business operators such as sole proprietors and freelancers use commercially available accounting software to simplify business accounting processing, while separately using a household account book application for smartphones for their personal household account books. [Prior Art Documents] [Patent Documents]

[0003] [Patent Document 1] Japanese Unexamined Patent Application Publication No. 2002-342565 [Patent Document 2] Japanese Unexamined Patent Application Publication No. 2018-032244 [Patent Document 3] Japanese Unexamined Patent Application Publication No. 2018-077813 [Patent Document 4] Japanese Unexamined Patent Application Publication No. 2003-331209 [Patent Document 5] Japanese Unexamined Patent Application Publication No. 2023-142123 [Patent Document 6] Japanese Unexamined Patent Application Publication No. 2011-170490 [Patent Document 7] Japanese Unexamined Patent Application Publication No. 2020-016914 [Patent Document 8] Japanese Unexamined Patent Application Publication No. 2011-227787 [Patent Document 9] Japanese Unexamined Patent Application Publication No. 2006-155233 [Patent Document 10] Japanese Unexamined Patent Application Publication No. 2003-316935 [Summary of the Invention] [Problems to be Solved by the Invention]

[0004] Traditional household budgeting apps are designed for single-entry bookkeeping, while accounting software for business accounting primarily uses double-entry bookkeeping. As a result, household budgeting and business accounting are treated as separate concepts, leading to cumbersome situations such as duplicate data entry and the need to create two sets of ledgers.

[0005] Specifically, household expenses are kept using a single-entry bookkeeping app, while business expenses are recorded using double-entry bookkeeping in corporate accounting software. This requires inputting data into separate systems, and can sometimes result in duplicate entries of the same information. Furthermore, many conventional household budgeting apps only offer simple income and expense management and lack the functionality to create profit and loss statements (PL) and balance sheets (BS), or the detailed (record-by-record) journal entry mechanisms required for standard consumption tax filing.

[0006] In light of the circumstances described above, the purpose of this disclosure is to provide an accounting system that centrally manages household accounts and business accounting. [Means for solving the problem]

[0007] One form of the accounting system described herein includes a management module that selectively registers multiple detailed account titles for use in household accounting or business accounting to generate journal entry data, registers the said journal entry data in a double-entry bookkeeping database, and centrally manages household accounting and business accounting using double-entry bookkeeping. [Effects of the Invention]

[0008] According to this disclosure, it is possible to provide an accounting system that centrally manages household accounts and business accounting.

[0009] The effects described herein are not necessarily limited to those described herein and may include any of the effects described herein. [Brief explanation of the drawing]

[0010] [Figure 1]1 shows an accounting system according to an embodiment of the present disclosure. [Figure 2] 3 shows a functional configuration of a journalization module. [Figure 3] 6 shows an operation (income) of the journalization module. [Figure 4] 9 shows a database (income) journalized by the journalization module. [Figure 5] 12 shows an itemized journalization screen (income) displayed by the journalization module. [Figure 6] 15 shows the relationship between account titles used for journalization in the journalization module and GUI. [Figure 7] 18 shows an operation (expenditure) of the journalization module. [Figure 8] 21 shows a database (expenditure) journalized by the journalization module. [Figure 9] 24 shows an itemized journalization screen (expenditure) displayed by the journalization module. [Figure 10] 27 shows a synchronization module, an aggregation module, a life plan proposal module, and a simulation module. [Figure 11] 30 shows a monthly profit and loss calculation GUI of the aggregation module. [Figure 12] 33 shows a functional configuration of the simulation module. [Figure 13] 36 shows a standard risk item list. [Figure 14] 39 shows a risk item list. [Figure 15] 42 shows a simulation result GUI. [Figure 16] 45 shows point cloud data. [Figure 17] 48 shows a simulation result. MODE FOR CARRYING OUT THE INVENTION

[0011] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings.

[0012] 1. Accounting System

[0013] Figure 1 shows an accounting system according to one embodiment of this disclosure.

[0014] Accounting system 1 is implemented by an accounting program, which is an application program installed on a user terminal 11 (smartphone, tablet computer, etc.). When the control circuit of accounting system 1 executes the accounting program, accounting system 1 operates as a journal entry module 100, a synchronization module 200, an aggregation module 300, a life plan proposal module 400, a simulation module 500, an output module 600, and a tax payment module 700, and executes the accounting method.

[0015] 2. Journal Entry Module

[0016] Figure 2 shows the functional configuration of the journal entry module. Figure 3 shows the operation of the journal entry module.

[0017] The journal entry module 100 includes a transaction information recognition module 110, a journal entry suggestion module 120, and a management module 130.

[0018] The transaction information recognition module 110 acquires a document image (bitmap data) captured by the camera C of the user terminal 11. The document includes receipts, pay stubs, invoices, etc. The transaction information recognition module 110 analyzes the text information or codes contained in the document image to recognize transaction information. Specifically, in the transaction information recognition module 110, the discrimination module 101 determines whether or not a QR code (registered trademark) is included in the document image. If a code such as a QR code is included in the document image, the code analysis module 107 directly acquires the transaction information contained in the code, or accesses the URL identified by the code to acquire transaction information from an external database. On the other hand, if a code such as a QR code is not included in the document image, the OCR analysis module 103 uses an OCR analysis system on the cloud to digitize the text from the document image and analyze the context. The OCR analysis module 103 performs analysis based on information 102 specific to the country where the system is implemented (e.g., Japan). For example, the OCR analysis module 103 recognizes items marked with a specific symbol and assigns the attribute of the self-medication tax deduction. The code analysis module 107 and the OCR analysis module 103 extract transaction information such as store information (store name, invoice number, address, telephone number, date, day of the week, time, payment method (cash, mobile payment, credit card payment, transportation contactless payment) etc.), store name, item name, consumption tax category (0%, 8%, 10%), and items eligible for medical expense deductions, and supply it to the journal entry suggestion module 120.

[0019] The journal entry suggestion module 120 analyzes transaction information obtained from the transaction information recognition module 110 and suggests multiple detailed-level account titles for use in household accounting or business accounting. The journal entry suggestion module 120 suggests details marked with a specific symbol as account titles that correspond to specific tax systems (such as items eligible for medical expense deductions or consumption tax tax classifications). Specifically, in the journal entry suggestion module 120, the transaction information acquisition unit 104 acquires transaction information from the transaction information recognition module 110. The generation AI journal entry module 106 inputs the obtained transaction information into a large-scale language model (LLM) (generation AI) on the cloud, using user-specific information 105 as a condition, and performs context-aware account title assignment. In other words, the generation AI journal entry module 106 comprehensively assigns the store name, time, item name, amount, payment method, etc., to the most appropriate account title. The AI ​​journal entry generation module 106 subdivides items eligible for medical expense deductions and consumption tax classifications by proposing journal entries at the item level (item name) (debit, credit, details, and amount for each record). User-specific information 105 can be learned from, for example, past user transaction information, and may include the days of the week, time of day, and location where the business is conducted. Furthermore, user-specific information 105 may also include information extracted from other applications on the user terminal 11 (calendar, transportation search, map, ticket purchase, store reservation, vital log, etc.). The journal entry proposal module 120 enables journal entries not only for the entire transaction but also for each detail, making it easy to handle detailed classifications such as the self-medication tax system and consumption tax processing under the standard tax system. The journal entry proposal module 120 displays the detail journal entry screen 202.

[0020] Management module 130 selectively registers multiple detailed account titles for use in household accounting or business accounting, generates journal entry data, and registers the journal entry data in a double-entry bookkeeping-based database, enabling unified management of household and business accounting using double-entry bookkeeping. Management module 130 provides users with a UI that allows them to switch between household expenses and business expenses for multiple account title candidates at the detailed level, thereby enabling the transfer of household and business expenses between the two. For example, if journal entry suggestion module 120 suggests a specific detail (garbage bags) as a household expense, but it is actually a business expense, the user can switch it to a business expense via the UI. Because household and business are handled in the same app, if personal expenses are recognized as business expenses, they can be switched to business expenses with a single tap or click. When the user selects business accounting or household accounting on the UI and saves the journal entry, the data is reflected in the accounting database of the mobile database 201.

[0021] Figure 4 shows the database as it has been journalized in the journal entry module.

[0022] The database registers transaction IDs (common information for supporting documents), credits (credit sub-items), credit details, debits (debit sub-items), debit details, amounts, tax rates, and self-medication eligibility at the item level (item name). The date, time, invoice registration number, location (store name), and transaction ID (common information for supporting documents) are registered in association with the transaction ID (common information for supporting documents). Credit sub-items include items such as home cooking and consumption tax, and each credit sub-item is associated with the attributes of household or business. The database is registered in the local database 201 by the synchronization module 200.

[0023] Figure 5 shows the detailed journal entry screen displayed by the journal entry module.

[0024] The detailed journal entry screen 202 displays the common information 203 (date, time, invoice registration number, store name) found in supporting documents, the details 204, and the supporting document image 205. Details 204 are displayed together, with the same set of debits and credits.

[0025] Figure 6 shows the relationship between the accounts used in journal entries and the GUI in the journal entry module.

[0026] As shown in (A), all accounts belong to one of four categories (assets, expenses, liabilities, and revenues). As shown in (B), the GUI represents them with two categories, an arrow between them, and an amount.

[0027] The above describes the operation of the journal entry module 100 for expenses, but the same applies to income. In the case of income, the transaction information recognition module 110 acquires data such as payslips instead of supporting document images. The subsequent processing is the same as described above.

[0028] Figures 7, 8, and 9 show the expenditures corresponding to Figures 3, 4, and 5 (income).

[0029] 3. Synchronization module, aggregation module, life plan proposal module, and simulation module

[0030] Figure 10 shows the synchronization module, aggregation module, life plan proposal module, and simulation module.

[0031] The synchronization module 200 saves images of supporting documents as evidence in accordance with the provisions of the Electronic Bookkeeping Law, enabling journal entry even in offline environments. The synchronization module 200 allows for offline journal entry registration and can be synchronized to the cloud after returning to the internet. Even if the user terminal 11 temporarily loses network connectivity, the synchronization module 200 stores images of supporting documents taken by the app in the mobile database 201 in a format that incorporates the tamper-proofing mechanisms stipulated by the Electronic Bookkeeping Law (such as timestamping and conversion to PDF / A format). Journal entry data is accumulated even in offline environments and automatically synchronized to the cloud server 800 after network connectivity is restored. This eliminates the need to physically store supporting documents, and legal requirements can be met even without a PC. Even with unstable network connectivity, the synchronization module 200 records journal entries at the point where data with superior data quality is generated and saves supporting documents as electronic evidence that can be discarded.

[0032] The aggregation module 300 continuously generates a balance sheet (BS) and profit and loss statement (PL) using journal entry data centrally managed in database 201, enabling the creation of income tax blue return settlement statements and tax return documents including standard consumption tax. It also enables tax returns compatible with blue return and standard consumption tax returns. By continuously generating a balance sheet (BS), which was difficult to track with single-entry bookkeeping household accounts, it makes it easier to estimate tax liabilities. Because household and business account systems are managed on the same database 201, users only need to distinguish between household and business accounts for each journal entry, and the aggregation module 300 can automatically generate both PL and BS. This eliminates duplicate journal entries that were previously entered in separate systems, reducing bookkeeping errors.

[0033] Figure 11 shows the monthly profit and loss calculation GUI of the aggregation module.

[0034] GUI310 displays the monthly closing 309. Payroll Accounting 301 is a GUI for filtering and displaying only accounts related to salary income. Personal Accounting 302 is a GUI for filtering and displaying personal accounting (household accounting only). Business Income 303 is a GUI for filtering and displaying only business-related accounts. Expenses 304 is the sum of the values ​​of accounts in the expense category. Revenue 305 is the sum of the values ​​of accounts in the revenue category. Income 307 is the value of revenue minus expenses. Pie chart 306 displays the values ​​for each account in the expense category. GUI308 is another example of the GUI for displaying the monthly closing 309.

[0035] Simulation Module 500 predicts future asset trends based on journal entry data using Monte Carlo simulation, visualizes (reports and graphs) the probability distribution according to the set risk events, and displays it as a life plan analysis screen (Figure 17). Specifically, Simulation Module 500 refers to the P&L and BS, which are constantly updated from double-entry bookkeeping journal entry data stored in the mobile database 201, and predicts future cash flows and asset balances. Here, the user registers risk events such as marriage, children's education expenses, home purchase, overseas travel, and the death of the head of household, and sets the monetary impact, allowing Simulation Module 500 to automatically generate various scenarios. Simulation Module 500 uses the Monte Carlo method to set risk items such as marriage, children's education expenses, home purchase, overseas travel, and the death of the head of household, and displays the future BS trends as probability distributions for multiple scenarios. Now, let's explain Simulation Module 500 in more detail.

[0036] Figure 12 shows the functional configuration of the simulation module.

[0037] The simulation module 500 sets the standard risk item list 502, which is held internally in the user terminal 11, based on user-specific information 501 (user ID, age, gender, family structure, whether the user is a salaried employee or self-employed).

[0038] Figure 13 shows the standard risk item list.

[0039] The Standard Risk Item List 502 is a list in which risk items, categories, risk scenarios, risk occurrence period, risk occurrence frequency, risk occurrence establishment, risk occurrence period, cost impact, and severity are related to each other.

[0040] Figure 14 shows the list of risk items.

[0041] The simulation module 500 generates a user-specific risk item list 503 by inputting monetary amounts into the variables (***) of the standard risk item list 502 from the journal entry data stored in the database 201, and displays it to the user in the simulation results GUI 506. The user can refer to the risk item list 503 and add new risk items to the risk item list 503.

[0042] Figure 15 shows the GUI of the simulation results.

[0043] The simulation module 500 executes a Monte Carlo simulation 504. Specifically, for the current balance sheet, it simulates the occurrence of each risk item based on its probability of occurrence, one year at a time, starting from the user's age (trials using random numbers). It then adds up the income and expenses for that year to calculate the net worth at the end of that year. This is repeated until the user reaches 125 years old, creating the net worth at the end of each year from the current age to a predetermined future age (e.g., 125 years old). Furthermore, this simulation (trial) is repeated a predetermined number of times (e.g., 10,000 times). As a result, point cloud data is generated (100 x 10,000 = 1,000,000 points).

[0044] Figure 16 shows the point cloud data. Figure 17 shows the simulation results.

[0045] Simulation module 500 displays the simulation results 505. Specifically, it displays the median line, 50th percentile line, and 80th percentile line of the point cloud for each age group. This allows for the visualization of the probability of falling into debt at each age, based on the amount of disposable income. These results are then used in the life plan proposal module 400 to suggest what corrective measures (such as insurance) should be taken.

[0046] Life Plan Proposal Module 400 proposes appropriate insurance plans, budget management, household budgeting decisions, tax return preparation (tax-saving strategies), side job recommendations, disposable income, and target savings amounts, based on visualized probability distributions (profit and loss statement, balance sheet, future profit and loss statement, future balance sheet). For example, Life Plan Proposal Module 400 proposes plans for necessary life insurance and subsidy applications, and presents tax-saving strategies regarding deficit carryforward and timing of asset management.

[0047] The output module 600 outputs ledger and spreadsheet data based on the data generated by the aggregation module 300. The output module 600 always outputs (displays) the latest balance sheet (BS) and income statement (PL), allowing users to get a unified overview of their personal and business finances.

[0048] The tax payment module 700 accesses the tax payment website (e-TAX in Japan) and executes tax payments based on the data output from the output module 600. The tax payment module 700 supports the creation of ledgers and tax return documents necessary for consumption tax (standard taxation) and income tax returns, reducing the burden of cumbersome annual processing.

[0049] 4. Problems and Effects of this Embodiment

[0050] While some services have enabled the operation of accounting software on mobile devices, no system exists that can fully meet the requirements of the Electronic Bookkeeping Law (truthfulness, visibility, searchability, etc.) for document management and double-entry bookkeeping entries using only a smartphone. Furthermore, registering entries in environments with unstable networks (offline operation) is difficult, and electronic document storage, which assumes the disposal of original supporting documents, requires a PC or a specific environment.

[0051] While some technologies exist that use OCR (Optical Character Recognition) to read images of supporting documents and automatically suggest journal entries, they cannot perform journal entries at the item level (per record). Furthermore, even if electronic information such as QR codes is embedded in supporting documents, no accounting software has the functionality to utilize this and reflect it in journal entries. A flexible system that allows for the one-click recording of expenses that may be a mix of personal and business expenses as business expenses is unprecedented.

[0052] Furthermore, while Monte Carlo simulations are useful for understanding future asset trends and life plans, conventional accounting software and household budgeting apps lack the probabilistic simulation capabilities or the ability to visualize balance sheet fluctuations for each risk item. This makes it difficult to comprehensively propose tax-saving measures, insurance enrollment, and preparations for future tax payments.

[0053] In contrast, this embodiment centrally manages business accounting performed by sole proprietors or small businesses, etc., and household accounts used for managing household income and expenses, recording journal entries using the double-entry bookkeeping method. In particular, it enables everything from obtaining supporting documents to entering journal entries, offline operation, future life simulations, and tax-saving suggestions using only a mobile device, and is also compliant with the Electronic Bookkeeping Law. Specifically, it has the following effects and benefits.

[0054] • Centralized management of household and business accounting, simplifying journal entry work using double-entry bookkeeping. Existing household budgeting apps specialize in single-entry bookkeeping, income and expense management, and graphing, but none offer the double-entry bookkeeping, balance sheet (BS), or profit and loss statement (PL) creation functions required for blue-form tax returns. Existing tax return software is primarily developed for business accounting purposes and is more specialized for business use than for everyday household budgeting. In effect, there is no system that integrates both of these and provides unified support from household budgeting to tax return filing.

[0055] On the other hand, in this embodiment, there is no need to input household accounts and corporate accounts separately, reducing duplicate journal entries. It enables visualization of balance sheets and other information that could not be handled by conventional single-entry bookkeeping apps. Advanced accounting processing that previously required a PC can now be done using only a smartphone or tablet. There is no need to use a single-entry bookkeeping app and accounting software together, saving the trouble of duplicate journal entries. Balance sheets, which are difficult to update with single-entry bookkeeping, are constantly updated, and double-entry bookkeeping management that supports special deductions for blue-form tax returns and standard consumption tax rates can be performed smoothly.

[0056] • Complete integration of household budgeting and tax filing A system that integrates and manages everything from simple single-entry bookkeeping at the household budget level to the double-entry bookkeeping required for blue-form tax returns, all within a single database, and generates journal entries in real time, is unprecedented in existing technology. In other words, it doesn't simply link data between conventional household budget apps and accounting software, but allows for direct execution of double-entry bookkeeping on the same platform.

[0057] • Automated journal entry suggestions using OCR and AI While existing household budgeting apps and accounting software are beginning to incorporate OCR reading from photographed supporting documents, most are limited to simple character extraction and journal entry estimation based on existing rules. In this embodiment, by combining this with a large-scale language model (LLM), highly accurate journal entry suggestions are made, taking into account contextual information in supporting documents and receipts, as well as the specificity of item classifications. By having the generating AI perform contextual analysis of transaction information acquired via OCR or electronic identifiers (QR codes, etc.), the work of subdividing and assigning account titles to each item is significantly reduced.

[0058] • Item-level journal entry suggestions and LLM utilization In addition to reading items listed on supporting documents and receipts using OCR, it also has the functionality to accurately match item categories and account codes using LLM. This allows for a system that automatically suggests journal entries "even when the description and product name are complex," surpassing existing rule-based and machine learning-based approaches.

[0059] • Offline input • Real-time synchronization Many cloud-based accounting software and personal finance apps restrict continued use in offline environments. This embodiment features a mechanism that allows for journal entry input and image capture even in offline environments, and synchronizes with the server upon reconnection. It provides complete offline support, including double-entry bookkeeping data. Even offline, it enables on-the-spot document storage and journal entry recording with quality compliant with the Electronic Bookkeeping Act, establishing a workflow that allows for the immediate disposal of original supporting documents.

[0060] • Linking Monte Carlo simulations with financial indicators While typical household budgeting apps and accounting software may offer features such as cash flow forecasting and annual expenditure forecasting, very few incorporate Monte Carlo simulations to perform scenario analysis at the balance sheet (BS) and profit and loss (PL) levels. This embodiment accumulates double-entry bookkeeping data in real time and applies it to a probabilistic future prediction model. A system that generates PL and BS in real time from household budgeting and accounting data and then performs Monte Carlo simulations based on them has not been found in existing technology surveys (typical household budgeting apps are limited to monthly and annual forecasts and are not linked to complex probabilistic analysis or risk assessment). Furthermore, it performs simulations linked to financial indicators and proposes future risks and optimization of asset allocation.

[0061] • Solving technical challenges To make complex systems like double-entry bookkeeping intuitively usable even for users managing household finances, a significant transformation of the UI / UX, which traditionally requires specialized knowledge in accounting software, is necessary. In this embodiment, by combining multiple technological elements in an advanced way, such as automatic journal entry suggestions using OCR and LLM, and automatic generation of P&L and balance sheets, accurate bookkeeping becomes possible without requiring specialized knowledge. This is not simply a combination of these technological elements, but a comprehensive system with a unique mechanism that links to a UI for household budget users.

[0062] • Scope of application of LLM and its connection to double-entry bookkeeping While systems utilizing LLM are becoming increasingly common, applications that read the item-level context of supporting documents and receipts and categorize them into precise accounting categories such as account titles require a high level of expertise that goes beyond simple natural language processing. Conventional technologies primarily rely on a combination of optical character recognition (OCR) and rule engines, and integrating general-purpose LLM with accounting expertise requires additional research and development. This embodiment achieves this and further links it with advanced analytical methods such as Monte Carlo simulation.

[0063] The significance of digitizing supporting document details using methods such as QR codes. This technology goes beyond simply "printing QR codes on supporting documents and reading the information." It combines elements such as double-entry bookkeeping and automated journal entry AI into a "household budget management system," using QR codes as a means to acquire detailed information from supporting documents with high accuracy and in real time. In light of the Electronic Bookkeeping Law and the trend towards digitalization, it has the potential to become widely adopted in the future. With the increase in smart registers and electronic supporting documents, the QR code method offers great technical advantages due to its versatility and high reading accuracy on mobile devices. [Explanation of symbols]

[0064] Accounting system 1, user terminal 11, journal entry module 100, synchronization module 200, aggregation module 300, life plan proposal module 400, simulation module 500, output module 600, tax payment module 700.

Claims

1. A management module that allows users to selectively register multiple detailed account categories for use in household accounting or business accounting, generate journal entry data, and register this journal entry data in a double-entry bookkeeping database, thereby enabling unified management of household and business accounting using double-entry bookkeeping. An accounting system equipped with the following features.

2. The accounting system according to claim 1, A transaction information recognition module that analyzes text information or codes contained in the image of a supporting document to recognize transaction information, A journal entry suggestion module analyzes the transaction information obtained from the transaction information recognition module and proposes multiple detailed-level account titles for use in household accounting or business accounting. Furthermore, it is equipped with, The management module selectively registers multiple detailed account titles proposed by the journal entry suggestion module, either for personal accounting or business accounting. Accounting system.

3. An accounting system according to claim 1 or 2, This aggregation module continuously generates a balance sheet (BS) and a profit and loss statement (PL) using the journal entry data centrally managed in the aforementioned database, and enables the creation of income tax blue return settlement statements and tax return documents including consumption tax standard taxation. An accounting system that further includes these features.

4. An accounting system according to claim 1 or 2, A simulation module that predicts future asset trends based on the aforementioned journal entry data using Monte Carlo simulation and visualizes the probability distribution according to the setting of risk events, A life plan proposal module that proposes tax-saving measures and insurance plans based on the visualized probability distribution. An accounting system that further includes these features.

5. The accounting system according to claim 4, The simulation module sets a standard risk item list based on user-specific information, generates a user-specific risk item list based on the journal entry data stored in the database and the variables of the standard risk item list, simulates the occurrence of each risk item based on its probability of occurrence for each year starting from the user's age using Monte Carlo simulation, calculates the net assets at the end of each year from the current age to a predetermined future age based on the simulation results, and repeats the simulation a predetermined number of times. Accounting system.

6. An accounting system according to claim 1 or 2, The management module enables the transfer of household and business expenses between them by providing the user with a UI that allows switching between household expenses and business expenses for multiple account candidates at the detailed level. Accounting system.

7. The accounting system according to claim 2, A synchronization module that saves the aforementioned supporting document images as evidence in accordance with the provisions of the Electronic Bookkeeping Law, and enables journal entry even in an offline environment. An accounting system that further includes these features.

8. The accounting system according to claim 2, The transaction information recognition module recognizes items marked with a specific symbol, The aforementioned journal entry suggestion module suggests the items marked with the specific symbol as accounts to which a particular tax system applies. Accounting system.

9. The accounting system according to claim 2, The journal entry suggestion module suggests the account titles for use in household accounting or business accounting based on the multiple level-level attributes included in the transaction information recognized by the transaction information recognition module. Accounting system.

10. The accounting system's control circuit executes the accounting program, Multiple detailed account categories are selectively registered for use in household accounting or business accounting to generate journal entry data, and this journal entry data is registered in a double-entry bookkeeping database to centrally manage household accounting and business accounting using double-entry bookkeeping. Accounting method.

11. The control circuit of the accounting system, A management module that allows users to selectively register multiple detailed account categories for use in household accounting or business accounting, generate journal entry data, and register this journal entry data in a double-entry bookkeeping database, thereby enabling unified management of household and business accounting using double-entry bookkeeping. An accounting program that operates as such.

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