Expenditure management device, expenditure management method, and expenditure management program

Abstract

Provided are an expenditure management device, method, and program for evaluating expenditures in detail. 【Solution means】In an expenditure management system in which a plurality of terminal devices, a server, and a store terminal are connected via a network, the expenditure management device 3 includes a transaction information acquisition unit 321 that acquires transaction information of target users including a first target user and a second target user, and based on the transaction information, the expenditure amount of the first target user from the start time point of the first period to the reference time point and the expenditure amount of the second target user from the start time point of the first period to the reference time point are added together, thereby calculating the expenditures of the first target user and the second target user from the start time point of the first period to the reference time point; an expenditure calculation unit 322; a display content generation unit 324 that generates display content including the expenditure; and an output unit 325 that outputs the display content.

Description

Technical Field

[0001] The present disclosure relates to expenditure management technology.

Background Art

[0002] Patent Document 1 discloses a technique for displaying information indicating how much money is actually being used with respect to a target amount of the upper limit of use during a predetermined period (FIGS. 4 and 7 of Patent Document 1 and paragraphs 0034 to 0046 of the specification). The target amount of the upper limit of use during a predetermined period, that is, the budget, can be set through the selection of the displayed icon (paragraph 0042 of the specification of Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] According to the technique of Patent Document 1, there is a problem that expenditure can only be evaluated in relation to the budget set for a predetermined period.

[0005] The present disclosure has been made to solve such problems, and an object thereof is to provide an expenditure management technology that enables expenditure to be evaluated in more detail than in the prior art.

Means for Solving the Problems

[0006] The expenditure management device according to an embodiment of the present disclosure includes a transaction information acquisition unit that acquires transaction information of target users including a first target user and a second target user, and based on the transaction information, from the start time of a first period to the reference time, the expenditure amount of the first target user and the expenditure amount of the second target user from the start time of the first period to the reference time are added together, so as to calculate the expenditures of the first target user and the second target user from the start time of the first period to the reference time, a display content generation unit that generates display content including the expenditures, and an output unit that outputs the display content.

Effects of the Invention

[0007] According to the expenditure management device according to an embodiment of the present disclosure, based on the transaction information of target users including a first target user and a second target user, the expenditure amount of the first target user from the start time of a first period to the reference time and the expenditure amount of the second target user from the start time of the first period to the reference time are added together, so as to calculate the expenditures of the first target user and the second target user from the start time of the first period to the reference time, and display content including the expenditures is generated and output, so that it is possible to evaluate expenditures in more detail than in the prior art.

Brief Description of the Drawings

[0008]

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, various embodiments in the present disclosure will be described in detail with reference to the drawings. In the drawings, the same or similar parts are denoted by the same or similar reference numerals, and duplicate descriptions of such parts are omitted. Also, in the present disclosure, the term "or" is used in the sense of an inclusive logical sum unless otherwise specified.

[0010] <System Configuration> Referring to FIG. 1, the configuration of an expenditure management system 1 according to an embodiment of the present disclosure will be described. As shown in FIG. 1, the expenditure management system 1 is, on one side, a system in which a terminal device 2, a server 3, and a store terminal 4 are connected via a network NW. The network NW is an existing telecommunication line such as the Internet. An external server 5 may be additionally connected to the network NW. The terminal device 2 includes the terminal device 2 used by the user A1 A1 and the terminal device 2 used by the user A2 A2It may include. In the present disclosure, User A1 or User A2 is an example of a target user. "Target" means the object to be managed for expenditures. Both User A1 and User A2 are joint users linked to a joint account, and may be referred to as the first target user and the second target user, respectively, in the present disclosure. Note that a joint account is an account shared by multiple persons and reflects the expenditures of each person. Examples of joint users include spouses, couples, or business partners, but may also include persons having other relationships. In the following description, when there is no need to distinguish between User A1 and User A2, they may simply be collectively referred to as User A. Further, in the following, a joint account will be used as an example for explanation, but the individual account of User A1 or User A2 instead of the joint account may also be targeted.

[0011] The expenditure management system 1 is a system for managing the expenditures of an account linked to the settlement card B of user A. The transaction information of the settlement card B of user A is linked to and accumulated in that account. When user A is a joint user including user A1 and user A2, the transaction information of the settlement card B1 by user A1 and the transaction information of the settlement card B2 by user A2 are accumulated, and the expenditure management system 1 manages the expenditures of the joint account linked to both the settlement card B1 and the settlement card B2. Examples of settlement cards include any card that can be used for paying for goods, such as prepaid cards, cash cards, debit cards, or credit cards. User A purchases goods or receives service provisions at a store equipped with the store terminal 4. When user A pays for the purchase price with the settlement card B, the store terminal 4 transmits transaction information such as the store name, product name, service name, settlement date and time, and identification information of the settlement card B to the server 3 or the external server 5. The external server 5 is a server for providing an external service different from the service provided using the server 3. For example, when the server 3 is used in a prepaid card settlement system, examples of the external server 5 include a server provided for providing banking services or a server provided for providing credit card services. When the transaction information is transmitted to the external server 5, the server 3 may obtain the transaction information from the external server 5 by performing API linkage with the external server 5. The transaction information obtained from the external server 5 is stored in the storage unit of the server 3. In the present disclosure, the transaction information obtained by API linkage may be referred to as "linked transaction information".

[0012] <Configuration of Server (Expenditure Management Device)> Server 3 is, on one hand, a device for managing the expenditures made by user A using payment card B. When payment-enabled application software is installed on user A's terminal device 2 instead of payment card B, server 3 has an aspect as a device for managing the expenditures made by user A using terminal device 2. To achieve such an objective, as shown in FIG. 2, server 3 includes a control unit 32, a communication unit 33, and a storage unit 35. Communication unit 33 is a communication device capable of communicating with terminal device 2, store terminal 4, or external server 5 via network NW. Storage unit 35 is a storage device that stores programs for realizing the functions performed by control unit 32 and data used in the processes performed by control unit 32.

[0013] As an example, control unit 32 includes a transaction information acquisition unit 321, an expenditure calculation unit 322, a benchmark calculation unit 323, a display content generation unit 324, and an output unit 325. Further, control unit 32 may include a budget acquisition unit 326. Additionally, control unit 32 may include a user input acquisition unit 327. The information acquired by user input acquisition unit 327 may be appropriately used by other functional units of control unit 32. Hereinafter, the configuration of control unit 32 will be described in detail.

[0014] (Transaction Information Acquisition Unit) On one hand, transaction information acquisition unit 321 is a functional unit that acquires the transaction information of user A. As an example, transaction information acquisition unit 321 may acquire the transaction information of user A from the transaction history of the payment account linked to payment card B of user A. The transaction history is stored, for example, in storage unit 35, and transaction information acquisition unit 321 may access storage unit 35 to acquire the transaction information of user A for a desired period.

[0015] On another aspect, transaction information acquisition unit 321 may acquire the transaction information of similar persons having attributes similar to those of user A. Attributes mean characteristics of a person such as annual income, age, or hobbies. The transaction information of similar persons is also acquired from storage unit 35 provided in server 3 or external server 5.

[0016] When User A1 and User A2 are co-users, the transaction information acquisition unit 321 acquires the transaction information of the co-users including User A1 and User A2. The transaction information of the co-users is acquired from the storage unit 35 provided in the server 3 or the external server 5. The transaction information acquisition unit 321 may acquire the transaction information of similar persons similar to all or some of the co-users.

[0017] The transaction information acquisition unit 321 supplies the acquired transaction information to the expenditure calculation unit 322 and the benchmark calculation unit 323. As an example, the transaction information acquisition unit 321 supplies the transaction information of the first period, for example, the transaction information of this month, among the acquired transaction information to the expenditure calculation unit 322, and supplies the transaction information before the first period, for example, up to last month, to the benchmark calculation unit 323. As another example, the transaction information acquisition unit 321 supplies all of the acquired transaction information to both the expenditure calculation unit 322 and the benchmark calculation unit 323.

[0018] (Expenditure calculation unit) The expenditure calculation unit 322 is a functional unit that calculates the expenditure of User A from the start time point of the first period to the reference time point in the first period based on the acquired transaction information. When User A includes User A1 and User A2, the expenditure of User A1 and User A2 from the start time point of the first period to the reference time point in the first period is calculated. The first period is, for example, one month. The reference time point is, for example, the current time point, but may be any time point after the start time point of the first period and before the current time point. By referring to a time point before the current time point, it becomes possible to evaluate the expenditure at a past time point. The expenditure calculation unit 322 calculates the expenditure from the start time point of the first period to the reference time point by accumulating the amount of money spent from the start time point of the first period to the reference time point based on the acquired transaction information. Note that the transaction information includes linked transaction information.

[0019] The expenditure calculation unit 322 may use the current time obtained from a calendar function unit (not shown) as the reference time, or may use the day to which the current time belongs. Further, when data indicating the reference time is transmitted from the terminal device 2 to the server 3, the time indicated by the transmitted data may be used as the reference time.

[0020] When user A1 and user A2 are co-users, the expenditure calculation unit 322 calculates the expenditure from the start time of the first period to the reference time by adding up the expenditure amount of user A1 from the start time of the first period to the reference time and the expenditure amount of user A2 from the start time of the first period to the reference time. When there are persons other than user A1 and user A2 included in the co-users, the addition is performed in the same manner.

[0021] The expenditure calculation unit 322 supplies the calculated expenditure to the display content generation unit 324.

[0022] (Budget acquisition unit) The budget acquisition unit 326 is a functional unit that acquires the budget for the first period of user A. The first period typically corresponds to the budget period. The terminal device 2 transmits the budget input by user A to the server 3, and the budget acquisition unit 326 of the server 3 acquires the budget input by user A via the communication unit 33. The budget acquisition unit 326 supplies the acquired budget to the benchmark calculation unit 323.

[0023] When user A1 and user A2 are co-users, the budget acquisition unit 326 acquires the budgets for all co-users including user A1 and user A2. The budgets for all co-users may be the sum of the budgets set by each co-user for themselves, or may be the budget set by any one of the co-users for all co-users.

[0024] (Benchmark calculation unit) The benchmark calculation unit 323 calculates, on one hand, a benchmark as a standard for the expenditures from the start point of the first period of User A to the reference time point based on the acquired transaction information. When the first period is one month, the transaction information used as the basis for the calculation includes the expenditure performance of User A in the previous month or the past average expenditure performance up to the previous month, or the expenditure performance of a similar person in the previous month or the past average expenditure performance up to the previous month. Examples of the "past average expenditure performance up to the previous month" include the average of the most recent 3 months, the average of the most recent half year, or the average compared with the same month of the previous year. These performances may be performances as time series data. The benchmark calculation unit 323 acquires the reference time point in the same manner as the expenditure calculation unit 322.

[0025] The benchmark calculation unit 323 calculates the benchmark in units of a second period shorter than the first period. Specifically, the benchmark calculation unit 323 calculates the benchmark in units of a period shorter than the period for setting the budget which is the first period. When the first period is one month, examples of a period shorter than one month include two weeks, one week, or one day. In this way, by calculating the benchmark in units of a second period shorter than the first period, it becomes possible to compare the expenditures in detail with the benchmark in units of the second period.

[0026] As an example, when the previous month consists of 31 days and this month also consists of 31 days, using the expenditure performance of the previous month as it is, the expenditure from the first day of the previous month (for example, July 1st) to the corresponding time point in the previous month corresponding to the reference time point of this month (for example, August 21st) (for example, July 21st) is used as the benchmark.

[0027] As an example, when the previous month consists of 31 days and the current month consists of 28 days (when there are dates that do not exist in the month for aggregation), the expenditure performance of the previous month is corrected to calculate the benchmark. For example, the total expenditure value up to the last day of the previous month may be used as the basis for calculating the benchmark on the last day of the current month. More specifically, when the current month is February, the total expenditure value from January 1st to January 31st is used as the benchmark for February 28th, and the total expenditure values up to each day from January 28th to January 30th are not used. The correction method is not limited to this example, and other correction methods may be used. For example, for the expenditure performance from the first day of the previous month (e.g., January 1st) to the corresponding time point in the previous month (e.g., January 15th) corresponding to the reference time point of the current month (e.g., February 15th), the amount obtained by multiplying by 28 / 31 may be used as the benchmark.

[0028] As an example, when the previous month consists of 28 days and the current month consists of 31 days (when there are dates that do not exist in the previous month), the expenditure performance of the previous month is corrected to calculate the benchmark. For example, the expenditure on February 28th may be used as the basis for calculating the benchmark for each day from March 29th to March 31st.

[0029] The calculated benchmark does not have to be linear with the passage of time. For example, when using the expenditure performance of the previous month of User A as the benchmark, it is not necessary to divide the expenditure of the previous month by the total number of days in the previous month to calculate the average expenditure per day. This is because people do not spend the same amount every day, and it is considered that there is some tendency in expenditure, such as spending more on weekends than on weekdays. Therefore, the calculated benchmark does not have to have a constant slope with the passage of time, like the benchmark shown by the dashed line with an upward slope on the right in Figure 5.

[0030] The benchmark calculation unit 323 may calculate the benchmark based on the budget of User A supplied from the budget acquisition unit 326 in addition to the transaction information on one side. For example, when the actual expenditure of the previous month was 200,000 yen and the budget for this month is 150,000 yen, the benchmark may be calculated by multiplying the actual expenditure as the time series data of the previous month by 0.75 (150,000 / 200,000). In this way, the benchmark calculation unit 323 calculates the benchmark based on the past expenditure of User A and the acquired budget of User A. Instead of the past expenditure of User A, the past expenditure of a similar person may be used.

[0031] When the transaction information of a similar person is supplied from the transaction information acquisition unit 321, the benchmark calculation unit 323 may calculate the benchmark for User A based on the acquired transaction information of the similar person in the same manner as the above method. The transaction information of the similar person includes the past transaction information of the similar person before the first period.

[0032] When User A1 and User A2 are joint users, the benchmark for User A1 and User A2 is calculated in the same manner as the above method based on the acquired transaction information of User A1 and the transaction information of User A2. The associated transaction information may be included not only in the transaction information of User A1 but also in the transaction information of User A2.

[0033] The benchmark calculation unit 323 supplies the calculated benchmark to the display content generation unit 324. In addition, the benchmark calculation unit 323 supplies the budget acquired from the budget acquisition unit 326 to the display content generation unit 324. Note that the budget may be supplied from the budget acquisition unit 326 to the display content generation unit 324.

[0034] (Display content generation unit) The display content generation unit 324 is a functional unit that generates display content including a comparison result which is the result of comparing the expenditure acquired from the expenditure calculation unit 322 with the benchmark acquired from the benchmark calculation unit 323 on one side. Also, the display content generation unit 324 may generate display content including a comparison result which is the result of comparing the expenditure acquired from the expenditure calculation unit 322, the benchmark acquired from the benchmark calculation unit 323, and the budget acquired from the budget acquisition unit 326 or the benchmark calculation unit 323. Regarding the generation example of the display content generated by the display content generation unit 324, reference will be made to FIGS. 5 to 7 and FIG. 11 for explanation. Note that the generation of display content includes not only the case of generating content such as graphs and texts as the display screen, but also the case of generating information necessary for displaying content such as graphs and texts on the display screen. The server 3 may generate information necessary for displaying content such as graphs and texts on the display screen, transmit the generated information to other devices such as the terminal device 2, and the other device may generate the display screen based on the information generated by the server 3.

[0035] As an example, the display content generation unit 324 generates display content as shown in the display screen example of FIG. 5. The display screen example of FIG. 5 assumes a case where the budget for January 2024 is 180,000 yen, the expenditure for January up to January 16, 2024 as the reference point is 82,000 yen, and the budget balance obtained by subtracting the expenditure from the budget is 98,000 yen.

[0036] In the graph of the display screen example of FIG. 5, the thick horizontal solid line represents the budget. This solid line indicating the budget is just below the 200,000 horizontal line, visually showing that the set budget is slightly less than 200,000 yen. The reference point is represented by the circle at the right end of the rising solid line on the right. This rising solid line on the right represents the expenditure up to the reference point. Also, the rising dashed line on the right represents the benchmark. In the display screen example of FIG. 5, the expenditure at the reference point is the same amount as the benchmark, and the fact that the expenditure is below the benchmark is represented in the graph by the first density grayscale.

[0037] In the area just above the graph, the information represented by the above graph is represented by text or numerical values. It is shown that the budget for January 2024 is 180,000 yen, the expenditure from January 1 to January 16, 2024 is 82,000 yen, and the budget balance obtained by subtracting the expenditure from the budget is 98,000 yen.

[0038] As an example, the display content generation unit 324 generates display content as shown in the display screen example of FIG. 6. The display screen example of FIG. 6 is an example assuming that the budget for January 2024 is 180,000 yen, the expenditure in January up to January 16, 2024 as the reference point is 102,000 yen, and the budget balance obtained by subtracting the expenditure from the budget is 78,000 yen.

[0039] In the display screen example of FIG. 6, it is visually shown in the graph that the solid line indicating the expenditure exceeds the benchmark on January 16, 2024. Note that as of January 16, 2024, the expenditure of 102,000 yen is less than or equal to the budget of 180,000 yen for January. The fact that the expenditure exceeds the benchmark and is within the budget is represented in the graph by a gray scale of a second density different from the first density. Note that the numerical value of 102,000 yen in the area above the graph may be displayed in a color different from 82,000 yen in the example of FIG. 5.

[0040] As an example, the display content generation unit 324 generates display content as shown in the display screen example of FIG. 7. The display screen example of FIG. 7 is an example assuming that the budget for January 2024 is 180,000 yen, the expenditure in January up to January 16, 2024 as the reference point is 190,000 yen, and the budget balance obtained by subtracting the expenditure from the budget is -10,000 yen.

[0041] In the display screen example of FIG. 7, it is visually shown in the graph that the solid line indicating the expenditure exceeds not only the benchmark but also the budget on January 16, 2024. The fact that the expenditure exceeds the budget in this way is represented in the graph by a third gray scale density different from both the first gray scale density and the second gray scale density. Note that the numerical value of 190,000 yen in the upper region of the graph may be displayed in a color different from both 82,000 yen in the example of FIG. 5 and 102,000 yen in the example of FIG. 5.

[0042] As can be understood by comparing FIGS. 5 to 7, for the period from the first day of January 2024 to the reference time point, the region sandwiched between the horizontal axis representing the date of the graph and the upward-sloping solid line is drawn in different gray scales. Instead of gray scales, they may be represented in different colors.

[0043] Also, when the display content generation unit 324 obtains a time point in the past relative to the current time as the reference time point by user input, as shown in FIG. 11, it generates display content based on that past time point. In the example of FIG. 11, when the current time is January 16, 2024, an example of the display screen when January 14 is received as the reference time point by user input is shown.

[0044] With such a display, user A can grasp whether the expenditure in that month is appropriate.

[0045] When the expenditure exceeds the benchmark, the display content generation unit 224 may generate display content so as to display an alert indicating that fact. Examples of the alert display include, in addition to the display in different colors as in the examples of FIGS. 6 or 7, the alert display 81 shown in FIG. 8 described later, or the alert display 91 shown in FIG. 9 described later.

[0046] The display content generation unit 224 may generate display content including such an alert display, and may also generate audio content indicating that the expenditure exceeds the benchmark. An example of the audio content may be an audio such as "The expenditure pace is fast."

[0047] The display content generation unit 224 supplies the generated display content to the output unit 325. When the display content generation unit 224 generates audio content, it supplies the audio content to the output unit 325 together with the generated display content.

[0048] (Output unit) The output unit 325 supplies the display content acquired from the display content generation unit 324 to the communication unit 33, and the communication unit 33 transmits the display content acquired from the output unit 325 to the terminal device 2. When the output unit 325 acquires audio content, the audio content is transmitted to the terminal device 2 together with the display content. When the target user is a co - user, the alert display may be transmitted to all of the co - users.

[0049] When the display content acquired by the output unit 325 from the display content generation unit 324 includes the alert display 81 or the alert display 91, the output unit 325 may notify the terminal device 2 by push notification. That is, the server 3 may perform a push notification for the alert display 81 or the alert display 91 that notifies that it corresponds to the second case. The push notification is a notification method in which the server 3 distributes spontaneously when it meets a predetermined condition, rather than a notification distributed as a response to a request from the terminal device 2. By the server 3 performing a push notification, user A can quickly know that he / she is overspending, that is, the expenditure exceeds the benchmark. By such a push notification being made, user A can take measures to suppress expenditure, so that the expenditure for the entire first period can be kept within the budget.

[0050] <Modification Example 1> (User input acquisition unit) The control unit 32 further includes a user input acquisition unit 327 that acquires the user input entered into the terminal device 2 by user A via the communication unit 33, and may perform various processes based on the acquired user input.

[0051] With reference to FIGS. 8 to 10, an example will be described. The user input acquisition unit 327 may acquire, as the user input, management category information indicating a management category that is a target for managing expenditures, and supply the acquired management category information to the expenditure calculation unit 322, the benchmark calculation unit 323, and the display content generation unit 324. In this case, the user input acquisition unit 327 has an aspect as a management category acquisition unit.

[0052] The expenditure calculation unit 322 calculates the expenditures of the management category indicated by the management category information acquired from the user input acquisition unit 327 among the transaction information acquired from the transaction information acquisition unit 321. FIG. 8 shows that the expenditure is 80,000 yen when the management category information is "Food". FIG. 9 shows that the expenditure is 80,000 yen when the management category information is "Food / Dining Out" (Food or Dining Out).

[0053] The benchmark calculation unit 323 calculates the benchmark of the management category indicated by the management category information acquired from the user input acquisition unit 327 among the acquired transaction information. The calculation method is as described above. FIG. 8 shows that the benchmark is as indicated by the dashed line when the management category information is "Food". FIG. 9 shows that the benchmark is as indicated by the dashed line when the management category information is "Food / Dining Out".

[0054] The display content generation unit 324 generates content for displaying the expenditure received from the expenditure calculation unit 322 and the benchmark received from the benchmark calculation unit 323, as shown in FIG. 8 or FIG. 9. Further, the display content generation unit 324 may generate the display content so as to include an alert display 81 or an alert display 91 indicating that the expenditure exceeds the benchmark.

[0055] In this way, for each management category, the expenditure calculation unit 322 calculates the expenditure, the benchmark calculation unit 323 calculates the benchmark, and the display content generation unit 324 generates the display content.

[0056] The user input to the terminal device 2 by User A is performed, for example, by displaying a touch-operable user interface as shown in FIG. 10 on the display unit 24 of the terminal device 2, and User A selects at least one management category from among a plurality of management categories displayed as the "category to notify".

[0057] Further, the user input acquisition unit 327 may acquire, as user input, exclusion target information indicating an exclusion target that is not included in the basis for calculation when calculating the expenditure and the benchmark, and supply the acquired exclusion target information to the expenditure calculation unit 322 and the benchmark calculation unit 323. In this case, the user input acquisition unit 327 has an aspect as an exclusion target acquisition unit. The expenditure calculation unit 322 calculates the expenditure from the start time point of the first period to the reference time point without including the acquired exclusion target. The benchmark calculation unit 323 calculates the benchmark from the user's past transaction information without including the acquired exclusion target.

[0058] It may be appropriate not to include the costs required for irregular events such as birthday dinners, high-priced household appliances, and travel expenses in the benchmark for managing expenditures. Therefore, the costs required for irregular events may be excluded. To perform such processing, the terminal device 2, for example, displays an expenditure statement including a plurality of expenditure items of User A on the display unit 24, and for each expenditure item, displays an icon that can be selected to exclude it from the calculation of the benchmark. The operation unit 21 of the terminal device 2 receives exclusion target information indicating an exclusion target selected to be excluded from the calculation of the benchmark, and the terminal device 2 transmits the received exclusion target information to the server 3.

[0059] <Configuration of the Terminal Device> Next, with reference to FIG. 3, the configuration of the terminal device 2 will be described. As shown in FIG. 3, the terminal device 2 includes an operation unit 21, a control unit 22, a communication unit 23, and a display unit 24.

[0060] (Operation Unit) The operation unit 21 is realized by an input device such as a touch screen and receives user input from User A. Examples of user input by User A include input for specifying a reference time point, input of a monthly budget, input of a category for which it is desired to manage overuse, and input of an exclusion target. The operation unit 21 supplies the received user input to the control unit 22.

[0061] The control unit 22 not only controls the overall operation of the terminal device 2 but also transmits the user input received from the operation unit 21 to the server 3 via the communication unit 23. Further, the control unit 22 receives display content from the server 3 via the communication unit 23 and performs display control so as to display the received display content on the display unit 24.

[0062] (Communication Unit) The communication unit 23 is a communication device capable of communicating with the terminal device 2, the store terminal 4, or the external server 5 via the network NW. Further, the communication unit 23 may have a communication function capable of performing payment by short-range wireless communication (NFC payment) at the store terminal 4.

[0063] (Display Unit) The display unit 24 is realized by an output device such as a touch screen and displays display content.

[0064] <Modification Example 2> In the above description, the mode in which many processes such as generation of display content are realized by the server 3 as an expenditure management device has been described, but these processes may be executed in the terminal device 2. That is, the terminal device 2 may download an application program that performs the processes described below from the server 3 and perform locally the processes realized by 32 of the server 3. In the mode according to this modification example 2, the terminal device 2 corresponds to the expenditure management device.

[0065] In order to perform the processing locally in this way, as shown in FIG. 4, in addition to including an operation unit 21, a control unit 22, a communication unit 23, and a display unit 24 as in the case of FIG. 3, the terminal device 2 further includes a storage unit 25 that stores various data such as transaction information.

[0066] Also, as shown in FIG. 4, the control unit 22 of the terminal device 2 includes a transaction information acquisition unit 221, an expenditure calculation unit 222, a budget acquisition unit 226, a benchmark calculation unit 223, a display content generation unit 224, and an output unit 225. Further, the control unit 22 may include a user input acquisition unit 227. The functions performed by these functional units are the same as those of the transaction information acquisition unit 321, the expenditure calculation unit 322, the budget acquisition unit 326, the benchmark calculation unit 323, the display content generation unit 324, the output unit 325, and the user input acquisition unit 327 of the server 3, so duplicate explanations are omitted. In the second modification, the display content output from the output unit 325 is supplied to the display unit 24, and the display content is displayed on the display unit 24.

[0067] <Hardware Configuration> Next, with reference to FIGS. 12A and 12B, a configuration example of the hardware of the server 3 and the terminal device 2 will be described. The control unit 32 of the server 3 and the control unit 22 of the terminal device 2 are realized by a processing circuitry. The processing circuitry may be a dedicated processing circuit 100a as shown in FIG. 12A, or a processor 100b that executes a program stored in a memory 100c as shown in FIG. 12B.

[0068] When the processing circuitry is the dedicated processing circuit 100a, the dedicated processing circuit 100a includes, for example, an ASIC (application specific integrated circuit) and an FPGA (field-programmable gate array).

[0069] When the processing circuitry is the processor 100b as a computer, the functions realized by the control unit 32 of the server 3 and the control unit 22 of the terminal device 2 are described as a program, and the program is stored in the memory 100c. The processor 100b realizes the functions of the control unit 32 or the control unit 22 by reading and executing the program stored in the memory 100c. Examples of the memory 100c include non-volatile or volatile semiconductor memories such as RAM (random access memory), ROM (read-only memory), flash memory, EPROM (erasable programmable read only memory), and EEPROM (electrically erasable programmable read-only memory).

[0070] <Operation> Next, with reference to FIG. 13, the operations of the server 3 or the terminal device 2 shown in FIG. 4 will be described.

[0071] (Step ST1) In step ST1, the transaction information acquisition unit 321 or the transaction information acquisition unit 221 acquires the transaction information of user A. The transaction information acquisition unit 321 or the transaction information acquisition unit 221 may acquire the transaction information of a similar person having an attribute similar to that of user A. When user A1 and user A2 are co-users, the transaction information acquisition unit 321 or the transaction information acquisition unit 221 may acquire the transaction information of all co-users.

[0072] Note that a step (not shown) performed in parallel with step ST1 may be provided so that the budget acquisition unit 326 or the budget acquisition unit 226 acquires the budget for the first period of user A. When user A1 and user A2 are co-users, the budget acquisition unit 326 or the budget acquisition unit 226 acquires the budget for all co-users including user A1 and user A2.

[0073] (Step ST2) In step ST2, the expenditure calculation unit 322 or the expenditure calculation unit 222 calculates the expenditure of user A from the start point of the first period to the reference point within the first period based on the transaction information acquired by the transaction information acquisition unit 321 or the transaction information acquisition unit 221. When user A1 and user A2 are joint users, the expenditure calculation unit 322 or the expenditure calculation unit 222 calculates the expenditure from the start point of the first period to the reference point by adding up the expenditure amount of user A1 from the start point of the first period to the reference point and the expenditure amount of user A2 from the start point of the first period to the reference point.

[0074] (Step ST3) In step ST3, which is performed in parallel with step ST2, the benchmark calculation unit 323 or the benchmark calculation unit 223 calculates a benchmark as a reference for the expenditure of user A from the start point of the first period to the reference point based on the transaction information acquired by the transaction information acquisition unit 321 or the transaction information acquisition unit 221. When transaction information of a similar person is supplied from the transaction information acquisition unit 321 or the transaction information acquisition unit 221, the benchmark calculation unit 323 or the benchmark calculation unit 223 may calculate a benchmark for user A based on the acquired transaction information of the similar person. When user A1 and user A2 are joint users, the benchmark calculation unit 323 or the benchmark calculation unit 223 calculates a benchmark for user A1 and user A2 based on the acquired transaction information of user A1 and the transaction information of user A2.

[0075] (Step ST4) In step ST4, the display content generation unit 324 or the display content generation unit 224 generates display content including a comparison result that is the result of comparing the expenditure calculated by the expenditure calculation unit 322 or the expenditure calculation unit 222 with the benchmark calculated by the benchmark calculation unit 323 or the benchmark calculation unit 223. Further, when the budget of user A is acquired, the display content generation unit 324 or the display content generation unit 224 may generate display content including a comparison result that is the result of comparing the expenditure calculated by the expenditure calculation unit 322 or the expenditure calculation unit 222, the benchmark calculated by the benchmark calculation unit 323 or the benchmark calculation unit 223, and the budget acquired by the budget acquisition unit 326 or the budget acquisition unit 226.

[0076] (Step ST5) In step ST5, the output unit 325 supplies the display content generated by the display content generation unit 324 to the communication unit 33, and the communication unit 33 transmits the display content acquired from the output unit 325 to the terminal device 2. The display content received by the terminal device 2 is displayed by the display unit 24.

[0077] In step ST5, the output unit 225 may output the display content generated by the display content generation unit 224 to the display unit 24. The display unit 24 generates the display content generated by the display content generation unit 224.

[0078] It should be noted that it is possible to combine the embodiments or appropriately modify or omit each embodiment.

Industrial Applicability

[0079] The server 3, which is an example of the expenditure management device in the present disclosure, can be used as a device for managing the expenditure of a user who receives an expenditure management service.

Explanation of Signs

[0080] 1 Expense management system, 2(2A1, 2A2) Terminal device (expense management device), 3 Server (expense management device), 4 Store terminal, 5 External server, 21 Operation unit, 22 Control unit, 23 Communication unit, 24 Display unit, 25 Memory unit, 32 Control unit, 33 Communication unit, 35 Memory unit, 81 Alert display, 91 Alert display, 100a Processing circuit, 100b Processor, 100c Memory, 221 Transaction information acquisition unit, 222 Expense calculation unit, 223 Benchmark calculation unit, 224 Display content generation unit, 225 Output unit, 226 Budget acquisition unit, 227 User input acquisition unit, 321 Transaction information acquisition unit, 322 Expense calculation unit, 323 Benchmark calculation unit, 324 Display content generation unit, 325 Output unit, 326 Budget acquisition unit, 327 User input acquisition unit.

Claims

1. A transaction information acquisition unit that acquires transaction information of target users including a first target user and one or more second target users; an expenditure calculation unit that calculates expenditures of the first target user and the second target user from the start of the first period to the reference time point by adding up an expenditure amount of the first target user from the start of the first period to the reference time point based on the transaction information; a display content generating unit that generates display content including the expenditure; an output unit that outputs the display content; An expenditure management device comprising:

2. The display content generation unit generates display content including an alert display based on the expenditure; the output unit notifies the first target user and the second target user of the alert display.

2. The expenditure management device according to claim 1.

3. The transaction information of the first target user includes linked transaction information acquired from an external server used for providing an external service linked via API, The transaction information of the second target user includes linked transaction information obtained from an external server used to provide an external service linked via API.

3. An expenditure management device according to claim 1 or 2.

4. a budget acquisition unit that acquires budgets for the first period of the first target user and the second target user; the display content generation unit generates display content including a comparison result that is a result of comparing the expenditure with the budget.

3. An expenditure management device according to claim 1 or 2.

5. A benchmark calculation unit is further provided for calculating a benchmark as a criterion for the expenditure, The display content generation unit generates display content including a comparison result that is a result of comparing the expenditure with the benchmark.

3. An expenditure management device according to claim 1 or 2.

6. The transaction information of the target user includes past transaction information of the first target user and past transaction information of the second target user prior to the first time period; The benchmark calculation unit calculates the benchmark based on past transaction information of the first target user and past transaction information of the second target user.

6. An expenditure management device according to claim 5.

7. An expenditure management method performed by an expenditure management device including a transaction information acquisition unit, an expenditure calculation unit, a display content generation unit, and an output unit, The transaction information acquisition unit acquires transaction information of target users including a first target user and one or more second target users; the expenditure calculation unit calculating, based on the transaction information, expenditures of the first target user and the second target user from the start of the first period to the reference time by adding up an expenditure amount of the first target user from the start of the first period to the reference time and an expenditure amount of the second target user from the start of the first period to the reference time; A step of generating display content including the expenditure by the display content generation unit; an output unit outputting the display content; The expenditure management method includes:

8. A function of acquiring transaction information of target users including a first target user and one or more second target users; a function of calculating expenditures of the first target user and the second target user from the start of the first period to the reference time by adding up an expenditure amount of the first target user from the start of the first period to the reference time and an expenditure amount of the second target user from the start of the first period to the reference time based on the transaction information; generating display content that includes said expenditures; a function of outputting the display content; An expense management program that causes a computer to run the following:

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