Household management device and program

Abstract

Provided is a household management technique capable of supporting a user's expenditure plan. 【Solution means】The household management device includes a regular expenditure item acquisition unit 1 that acquires the unit price and frequency of each regular expenditure item, and a period of a predetermined first period length is set as the first period. Expenditure items other than regular expenditure items that the user spends in each first period are set as first period expenditure items. For the first period expenditure items, a first period expenditure budget amount, which is a budget amount regarding the total unit price of the first period expenditure items, is determined. A first period expenditure item acquisition unit 2 that acquires the unit price of each first period expenditure item, the user's income information, the unit price and frequency of each acquired regular expenditure item, and savings amount information, which is information about the user's annual savings amount calculated from the unit price of each acquired first period expenditure item or the first period expenditure budget amount, and a savings amount information display unit 5 that displays the savings amount information. The first period length is a period shorter than one year, and the first period includes a future period.

Description

Technical Field

[0001] The disclosed technology relates to a technology for managing household finances.

Background Art

[0002] Household finance management is essential for people's social life. Various technologies have been developed in the past for household finance management. For example, there is a household ledger that determines a monthly budget for each expense item such as food expenses and records income and expenses. In recent years, digitalization of household ledgers has also been progressing (see, for example, Non-Patent Document 1).

Prior Art Documents

Non-Patent Documents

[0003]

Non-Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Conventional household ledgers have focused on recording past consumption behaviors and have not focused on supporting the user's expenditure plan.

[0005] The disclosed technology aims to provide a household finance management device and a program that can support the user's expenditure plan.

Means for Solving the Problems

[0006] A household finance management device, which is an aspect of the disclosed technology, designates expenditure items that regularly occur at time intervals shorter than one year as regular expenditure items. Input by the userA regular expense item acquisition unit that acquires the unit price and frequency of each regular expense item, uses a period of a predetermined first period length as the first period, and treats expense items other than regular expense items that the user spends in each first period as first period expense items. The first period expense items include In each first period a first period expense budget amount that is a budget amount regarding the total unit price of the first period expense items is determined, a first period expense item acquisition unit that acquires the unit price of each first period expense item, the user's income information, the unit price and frequency of each acquired regular expense item, and savings amount information that is information about the user's annual savings amount calculated from the unit price of each acquired first period expense item or the first period expense budget amount, and includes a savings amount information display unit that displays One month is, and the first period includes a future period. The regular expense item acquisition unit presents to the user the annual amount of the regular expense item calculated based on the unit price and frequency of the regular expense item input by the user.

Effect of the Invention

[0007] According to the disclosed technology, it is possible to support the user's expenditure plan.

Brief Description of the Drawings

[0008]

Figure 1

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Embodiments for Carrying Out the Invention

[0009] Hereinafter, embodiments of the disclosed technology will be described with reference to the drawings. In the drawings, components having the same function are denoted by the same reference numerals, and redundant descriptions are omitted.

[0010] [Household Expense Management Device and Method] As shown in FIG. 1, the household expense management device includes, for example, a regular expense item acquisition unit 1, a first period expense item acquisition unit 2, a second period expense item acquisition unit 3, an arithmetic unit 4, and a savings amount information display unit 5. The household expense management device may include a display device 100 shown by a dashed line in FIG. 1. In this case, the regular expense item acquisition unit 1, the first period expense item acquisition unit 2, the second period expense item acquisition unit 3, and the savings amount information display unit 5 may be realized by the display by the display device 100. The display device 100 is a display device such as a liquid crystal display (LCD), an LED display, a plasma (PDP) display, or electronic paper.

[0011] The household expense management method is realized, for example, when each component of the household expense management device performs the processes from step S1 to step S5 shown in FIG. 2.

[0012] <Regular Expense Item Acquisition Unit 1> The regular expense item acquisition unit 1 acquires the unit price and frequency of each regular expense item (step S1). The unit price and frequency of each acquired regular expense item are output to the arithmetic unit 4.

[0013] Regular expense items are expense items that regularly occur at time intervals shorter than one year. Examples of regular expense items are water bills, electricity bills, hospital bills, beauty salon bills, and smartphone bills.

[0014] For example, the regular expenditure item acquisition unit 1 is the regular expenditure item input area R1 displayed on the display device 100. The display of the regular expenditure item input area R1 is performed, for example, by clicking the house icon in the upper left corner from FIG. 3 to FIG. 13.

[0015] The user can input the unit price and frequency of each regular expenditure item using an input means such as a touch panel, keyboard, mouse, tablet, etc. The regular expenditure item acquisition unit 1 acquires the unit price and frequency of each regular expenditure item input by the user. Hereinafter, input means such as a touch panel, keyboard, mouse, tablet, etc. are simply referred to as "input means". It is assumed that user operations such as input, selection, click, and checking of a checkbox described below are performed using this input means, for example.

[0016] An example of the regular expenditure item input area R1 displayed on the display device 100 is shown in FIG. 3. In this example, the regular expenditure item input area R1 includes a regular expenditure item R11, a unit price R12, a frequency R13, and an annual amount R14. When the user inputs the regular expenditure item R11, the unit price R12, and the frequency R13, the annual amount R14, which is the amount for one year of the regular expenditure item R11, is displayed. For example, a value obtained by rounding, truncating, or rounding up "the value input to the unit price R12*(365 / the value input to the frequency R13)" is displayed as the annual amount. This calculation is performed, for example, by the regular expenditure item acquisition unit 1 or the calculation unit 4.

[0017] By clicking the calendar icon on the right of the regular expenditure item input area R1, the user may be able to record and display the date on which an expense was made in the past for the regular expenditure item. Thereby, the user can easily confirm the frequency of the regular expenditure item. In the example of FIG. 3, the date of the previous expense for the second regular expenditure item is displayed on the right of the calendar icon.

[0018] When multiple dates of past expenses are entered for a regular expense item, the frequency may be automatically entered. For example, a value obtained by rounding, truncating, or rounding up the average value of the intervals between the multiple entered dates is automatically entered as the frequency.

[0019] In FIG. 3, two regular expense items are displayed in descending order of annual amount in the regular expense item input area R1. By displaying the regular expense items in descending order of annual amount, it becomes easier for the user to understand which regular expense item, when reviewed, will have an impact on improving the household budget.

[0020] In FIG. 3, there is a column labeled "Search" above the center of the regular expense item input area R1. When an arbitrary string is entered in this column and the magnifying glass icon is clicked, only the regular expense items containing the arbitrary string may be displayed in the regular expense item input area R1. This makes it easier for the user to find the desired regular expense item.

[0021] When the plus icon in the lower right of the regular expense item input area R1 is clicked, a new regular expense item can be added. When the "Delete" text area below the regular expense item is clicked, that regular expense item can be deleted.

[0022] When the text area labeled "View Common Expense Items" in the lower left of the regular expense item input area R1 is clicked, common regular expense items are displayed, and the user may be able to select the desired regular expense item from among the common regular expense items. When the user selects the desired regular expense item, the selected regular expense item is displayed in the regular expense item input area R1. In this way, the existence of common expense items can reduce the burden on the user of identifying and entering expense items themselves.

[0023] For example, when a user clicks on a text area labeled "View Common Expense Items", common recurring expense items will pop up as illustrated in FIG. 4. In this example, the unit price, frequency, and annual amount of the common recurring expense items are also displayed. When the user clicks on the text area labeled "Add to Plan" corresponding to the desired recurring expense item, the pop-up display of the common recurring expense items disappears, and the desired recurring expense item is added to the recurring expense item input area R1. At this time, the unit price, frequency, and annual amount of the recurring expense item corresponding to the clicked text area may be automatically input into the recurring expense item input area R1. This enables the user to easily input recurring expense items.

[0024] <First Period Expense Item Acquisition Unit 2> The First Period Expense Item Acquisition Unit 2 acquires the unit price of each first period expense item (step S2). The unit price of each acquired first period expense item is output to the arithmetic unit 4.

[0025] The first period expense items are expense items that a user incurs during each first period, where the first period is a period of a predetermined first period length and is an expense item other than a recurring expense item. The first period includes a future period. The first period length is a period shorter than one year. For example, the first period length is one month, two months, three months, four months, or six months. Hereinafter, the case where the first period length is one month will be described as an example.

[0026] For example, the First Period Expense Item Acquisition Unit 2 is the first period expense item input area R2 displayed on the display device 100. In the first period expense item input area R2, user input regarding the first period expense item and the unit price is accepted. The display of the first period expense item input area R2 is performed, for example, by clicking on the icon marked with a \ in the upper left corner of FIGS. 3 to 13.

[0027] An example of the first period expense item input area R2 displayed on the display device 100 is shown in FIG. 5. In this example, the first period expense item input area R2 includes a first period expense item R21, a date R22, and a unit price R23.

[0028] In Fig. 5, each first-period expenditure item for one month starting from "2024 / 01 / 21" described in the date column above the center of the first-period expenditure item input area R2 (in this example, three first-period expenditure items) is displayed in the first-period expenditure item input area R2. The user can change the date in this date column using the input means. When the date is changed, each first-period expenditure item for one month starting from the changed date is displayed in the first-period expenditure item input area R2.

[0029] When the user inputs the first-period expenditure item R21, the date R22, and the unit price R23, the total amount of the unit prices of the first-period expenditure items for the first-period length corresponding to this month (1 month in this example) is displayed on the left side of "This Month's Total" at the lower left of the first-period expenditure item input area R2.

[0030] For the first-period expenditure item, a first-period expenditure budget amount, which is the budget amount regarding the total of the unit prices of the first-period expenditure items, is determined. In this example, the first-period expenditure budget amount is 5000 yen described to the right of "Monthly Budget" at the upper part of the center of Fig. 5. When the first-period length is 1 month, the first-period expenditure budget amount is, for example, the amount of monthly discretionary expenses, the amount of monthly pocket money. Examples of the first-period expenditure items are lunch with friends, cafes.

[0031] In this example, since the first-period expenditure budget amount is 5000 yen and the total of the three first-period expenditure items is 4000 yen, the remaining budget amount for this month is 1000 yen = 5000 yen - 4000 yen. Similar to the example in Fig. 5, the remaining budget amount, which is the amount obtained by subtracting the total of the unit prices of each input first-period expenditure item from the first-period expenditure budget amount, may be presented to the user. This calculation is performed, for example, by the first-period expenditure item acquisition unit 2 or the arithmetic unit 4.

[0032] When the plus icon at the lower right of the first period expense item input area R2 is clicked, a new first period expense item can be added. For example, when the plus icon is clicked, as illustrated in FIG. 6, input fields R24 for the first period expense item, unit price, and date are pop-up displayed. In FIG. 6, the expense item corresponds to the first period expense item, and the expense amount corresponds to the unit price. After entering the first period expense item, unit price, and date in input field R24 and clicking the additional text area at the lower right of input field R24, the pop-up display of input field R24 disappears, and the entered first period expense item, unit price, and date are added to the first period expense item input area R2.

[0033] When the user clicks the additional text area at the lower right of input field R24 with the "Continue to Add" checkbox below input field R24 checked, the entered first period expense item, unit price, and date are added to the first period expense item input area R2, and the pop-up display of input field R24 may be displayed again. Thereby, the user can continuously add first period expense items.

[0034] Note that when the "Delete" text area in the first period expense item input area R2 is clicked, the corresponding first period expense item can be deleted.

[0035] The "Schedule" on the right of the first period expense item input area R2 means that the date of the corresponding first period expense item (the date entered in date R22) is in the future compared to the current date. The "Actual" on the right of the first period expense item input area R2 means that the date of the corresponding first period expense item (the date entered in date R22) is in the past compared to the current date. Thus, by displaying "Schedule" or "Actual", the user can easily grasp whether the first period expense item is a future expense or a past expense.

[0036] Note that, as shown in FIG. 7, each first-period expenditure item after the display period in FIG. 5 may be displayed in the first-period expenditure item input area R2. In other words, future first-period expenditure items, i.e., first-period expenditure items after a predetermined time, may be displayed in the first-period expenditure item input area R2. This allows the user to easily grasp future first-period expenditure items. This display is performed by clicking the heart mark icon above FIGS. 3 to 13.

[0037] For example, if the display period in FIG. 5 is one month from 2024 / 01 / 21, then in FIG. 7, each first-period expenditure item after 2024 / 02 / 21 is displayed in the first-period expenditure item input area R2.

[0038] As described with reference to FIG. 5, when the plus icon in the lower right of the first-period expenditure item input area R2 is clicked, a new first-period expenditure item can be added.

[0039] Note that when only the first-period expenditure item and unit price are input in the input field R24 that pops up by clicking the plus icon in the lower right of the first-period expenditure item input area R2 and the date is not input, the input first-period expenditure item and unit price may be displayed in the "Something I Want Someday" column at the bottom of the first-period expenditure item input area R2. In this case, the date column is left blank.

[0040] In this way, by enabling the input and display of first-period expenditure items for which the date is not determined, the user's expenditure plan becomes even easier.

[0041] <Second-period expenditure item acquisition unit 3> The second-period expenditure item acquisition unit 3 acquires the unit price of each second-period expenditure item (step S3). The acquired unit price of each second-period expenditure item is output to the arithmetic unit 4.

[0042] The second-period expenditure items are expenditure items that a user incurs during a predetermined second-period length, which is a period longer than the first-period length, and are expenditure items other than regular expenditure items and first-period expenditure items. The second period includes future periods. The second-period length is, for example, one year.

[0043] For example, the second-period expenditure item acquisition unit 3 is the second-period expenditure item input area R3 displayed on the display device 100. In the second-period expenditure item input area R3, user input regarding the second-period expenditure items and unit prices is accepted. The display of the second-period expenditure item input area R3 is performed, for example, by clicking the icon of the flag in the upper right corner from FIG. 3 to FIG. 13.

[0044] An example of the second-period expenditure item input area R3 displayed on the display device 100 is shown in FIG. 8.

[0045] Each second-period expenditure item belongs to a category. In this example, two categories, travel and Christmas, are displayed in descending order of the budget of the category. The budget of the category will be described later. By displaying the categories in descending order of the annual amount in this way, it becomes easier for the user to understand which category, when reviewed, will have an impact on improving the household budget.

[0046] Since the check box for "detailed display" in the display column of the travel category is checked, the second-period expenditure item R31 belonging to the travel category, the date R32, and the unit price R33 are displayed. When the check in the check box for "detailed display" is cleared, the second-period expenditure items belonging to that category can be made non-displayed as shown in FIG. 9.

[0047] A budget is set for each category. For example, assume that the budget for the travel category is 50,000 yen. In the case of Fig. 8, since the expenditure item for the second period belonging to the travel category is only 3,000 yen corresponding to the train fare, the total of the expenditure items for the second period belonging to the travel category is 300 yen. Also, the remaining budget amount for the travel category is 47,000 yen = 50,000 yen - 3,000 yen. As in the example of Fig. 8, the remaining budget amount, which is the amount obtained by subtracting the total of the unit prices of each expenditure item for the second period belonging to that category from the budget of the category, may be presented to the user. This calculation is performed, for example, by the second-period expenditure item acquisition unit 3 or the arithmetic unit 4.

[0048] When the plus icon at the lower right of the second-period expenditure item input area R3 is clicked, a new category can be added. For example, when the plus icon is clicked, as illustrated in Fig. 10, an input field R34 for the category name and budget pops up. After entering the category name and budget in the input field R34 and clicking the additional character area at the lower right of the input field R34, the pop-up display of the input field R34 disappears, and the entered category name is added to the second-period expenditure item input area R3. The entered budget is set as the budget for that category.

[0049] When the user clicks the additional character area at the lower right of the input field R34 with the "Continue to add" checkbox below the input field R34 checked, the entered category name is added to the second-period expenditure item input area R3, the entered budget is set as the budget for that category, and the pop-up display of the input field R34 may be displayed again. Thereby, the user can continuously add categories.

[0050] When the "Subtract from annual savings amount" checkbox in the input field R34 is checked and the additional character area at the lower right of the input field R34 is clicked, the total of the expenditure items for the second period belonging to that category is subtracted from the annual savings amount. In this case, the characters "(from savings)" are displayed at the upper left of the category display column. In the examples of Figs. 8 and 9, the characters "(from savings)" are displayed at the upper left of the display column for the Christmas category.

[0051] On the other hand, when the additional character area at the lower right of the input field R34 is clicked without checking the checkbox "Deduct from annual savings amount" in the input field R34, the total of the second-period expenditure items belonging to that category will not be deducted from the annual savings amount.

[0052] When the pencil icon at the upper right of the category display column is clicked, a pop-up display will be presented that allows the user to change the category name, the budget of the category, and whether to deduct from the annual savings amount.

[0053] In addition, when the character area "Delete category" at the lower left of the category display column is clicked, that category can be deleted.

[0054] When the character area "Add item" to the right of the category display column is clicked, a new second-period expenditure item belonging to that category can be added. For example, when the character area "Add item" in FIG. 8 is clicked, as illustrated in FIG. 11, the input fields R35 for the second-period expenditure item, unit price, and date will be displayed in a pop-up. In FIG. 11, the expenditure item corresponds to the second-period expenditure item, the expenditure amount corresponds to the unit price, and the expenditure date corresponds to the date. After entering the first-period expenditure item, unit price, and date in the input field R35 and clicking the additional character area at the lower right of the input field R35, the pop-up display of the input field R35 will disappear, and the entered second-period expenditure item, unit price, and date will be added to the second-period expenditure item input area R3.

[0055] When the user checks the checkbox "Continue to add" below the input field R35 and clicks the additional character area at the lower right of the input field R35, the entered second-period expenditure item, unit price, and date will be added to the second-period expenditure item input area R3, and the pop-up display of the input field R35 may be displayed again. This allows the user to continuously add second-period expenditure items.

[0056] Note that when the character area of "Delete" in the display column of the category in the second period expenditure item input area R3 is clicked, the second period expenditure item can be deleted.

[0057] In this way, each second period expenditure item belongs to a category, a budget is set for the category, and the user may be able to input second period expenditure items for each category. As a result, the user can make an expenditure plan in units of categories, and it becomes easier for the user to make an expenditure plan for relatively large expenditures (for example, travel expenses, clothing expenses).

[0058] <Operation unit 4> The operation unit 4 is input with the user's income information, the unit price and frequency of each regular expenditure item acquired by the regular expenditure item acquisition unit 1, the unit price of each first period expenditure item input by the first period expenditure item acquisition unit 2 or the first period expenditure budget amount, and the unit price of each second period expenditure item input by the second period expenditure item acquisition unit 3.

[0059] The operation unit 4 calculates the savings amount from the input information (step S4). The savings amount is the user's annual savings amount. The savings amount obtained by the calculation is output to the savings amount information display unit 5.

[0060] For example, assume that the user's income information includes monthly income (take-home) and annual bonus (take-home) information. In this case, the operation unit 4 calculates (monthly income (take-home) × 12 + annual bonus (take-home)) - (total annual amount calculated from the unit price and frequency of regular expenditure items) - (first period expenditure budget amount × 12) - (total unit price of each second period expenditure item), and sets the calculation result as the user's annual savings amount.

[0061] Note that the operation unit 4 may also calculate (monthly income (take-home) × 12 + annual bonus (take-home)) - (total annual amount calculated from the unit price and frequency of regular expenditure items) - (total unit price of each first period expenditure item) - (total unit price of each second period expenditure item) using the unit price of each first period expenditure item instead of the first period expenditure budget amount, and set the calculation result as the user's annual savings amount.

[0062] <Savings amount information display unit 5> The savings amount obtained by the arithmetic unit 4 is input to the savings amount information display unit 5.

[0063] The savings amount information display unit 5 displays savings amount information, which is information about the savings amount (step S5).

[0064] By displaying the savings amount, the user can grasp how much savings can be made when living the life they want to live in the future. For example, the savings amount information display unit 5 is the savings amount display area R4 displayed on the display device 100.

[0065] In the examples of FIGS. 3 and 4, a savings amount display area R4 is provided at the lower right of the regular expenditure item input area R1. In the examples of FIGS. 8 to 11, a savings amount display area R4 is provided at the lower left of the second period expenditure item input area R3. In these savings amount display areas R4, the savings amount is displayed below "Annual savings amount (planned)".

[0066] As in these examples, the display of the first period expenditure item acquisition unit 2 and the second period expenditure item acquisition unit 3 and the display of the savings amount information display unit 5 may be performed on the same screen. Further, the savings amount information display unit 5 may display a new savings amount calculated from the input value each time the user inputs the first period expenditure item and the second period expenditure item. As a result, the user can easily grasp the new savings amount after the change when the first period expenditure item and the second period expenditure item are changed. Also, based on how much savings can be made with this plan, the user can modify the plan. Furthermore, it becomes clear to the user that in order to change the savings amount, it is necessary to change the unit price or frequency or stop purchasing.

[0067] [Modification example] As described above, the specific configuration of the embodiment of the disclosed technology is not limited to the configuration described so far. The specific configuration of the embodiment of the disclosed technology can be appropriately changed in design without departing from the spirit of the embodiment of the disclosed technology.

[0068] For example, the household management device may include a basic information acquisition unit 6 indicated by a dashed line in FIG. 1. The basic information acquisition unit 6 acquires basic information. Examples of basic information include income information such as monthly income (take-home), annual bonus (take-home), etc., and the first period expenditure budget amount. The basic information may include information other than these. The value acquired by the basic information acquisition unit 6 is output to the calculation unit 4. The first period expenditure budget amount in the basic information may be output to the first period expenditure item acquisition unit 2. An example of the basic information acquisition unit 6 is the basic information input unit R5 displayed on the display device 100. In the basic information input unit R5, user input regarding the basic information is accepted. The display of the basic information input unit R5 is performed, for example, by clicking the icon of the person's mark in the upper right corner of FIGS. 3 to 13.

[0069] An example of the basic information input unit R5 displayed on the display device 100 is shown in FIG. 12. In this example, the basic information input unit R5 includes a monthly income (take-home) R51, an annual bonus (take-home) R52, and a monthly discretionary expense R53. The value input to the monthly income (take-home) R51 is taken as the monthly income (take-home), the value input to the annual bonus (take-home) R52 is taken as the annual bonus (take-home), and the value input to the monthly discretionary expense R53 is taken as the first period expenditure budget amount.

[0070] The regular expenditure item acquisition unit 1 may acquire at least one of the regular expenditure item, unit price, and frequency based on the data recorded in the external server. The regular expenditure item acquisition unit 1 can obtain these data by using an API (Application Programming Interface). For example, the regular expenditure item acquisition unit 1 acquires at least one of the regular expenditure item, unit price, and frequency from the obtained data and displays it in the regular expenditure item input area R1.

[0071] Similarly, the first period expenditure item acquisition unit 2 may acquire at least one of the first period expenditure item and unit price based on the data recorded in the external server. The first period expenditure item acquisition unit 2 can obtain these data by using an API.

[0072] Similarly, the second-period expenditure item acquisition unit 3 may acquire at least one of the second-period expenditure items and unit prices based on the data recorded in the external server. The second-period expenditure item acquisition unit 3 can obtain these data by using an API.

[0073] The regular expenditure item acquisition unit 1 may acquire the unit price and frequency corresponding to the regular expenditure item input by the user from the external server. Similarly, the first-period expenditure item acquisition unit 2 may acquire the unit price corresponding to the first-period expenditure item input by the user from the external server. Similarly, the second-period expenditure item acquisition unit 3 may acquire the unit price corresponding to the second-period expenditure item input by the user from the external server.

[0074] Examples of the data recorded in the external server are the credit card usage history and the bank account statement of the user who is the user of the household management device. The data recorded in the external server may be the unit price and frequency of each regular expenditure item, the unit price of each first-period expenditure item, and the unit price of each second-period expenditure item of each user having an attribute close to that of the user who is the user of the household management device.

[0075] For example, the average value of the unit price of the regular expenditure item can be used as the unit price of that regular expenditure item. Also, for example, the average value of the intervals of the regular expenditure items can be used as the frequency of that regular expenditure item. Also, the average value of the unit price of the first-period expenditure item can be used as the unit price corresponding to that first-period expenditure item. Also, the average value of the unit price of the second-period expenditure item can be used as the unit price corresponding to that second-period expenditure item.

[0076] The basic information acquisition unit 6 may acquire basic information from data recorded in an external server. In this case, assume that the external server stores the basic information of each user having an attribute close to that of the user who is the user of the household management device. In this case, the average value of each basic information can be used as the basic information of that user. For example, the average value of the first-period expenditure budget amounts of each user having an attribute close to that of the user who is the user of the household management device can be used as the first-period expenditure budget amount of that user.

[0077] The household management device may include a notification unit 7 that notifies the user of an advertisement related to a future expenditure item, which is at least one of a regular expenditure item, a first-period expenditure item, and a second-period expenditure item.

[0078] The notification unit 7 is, for example, a notification area R6 that is displayed together with any one of the regular expenditure item acquisition unit 1, the first-period expenditure item acquisition unit 2, and the second-period expenditure item acquisition unit 3. An example of the notification area R6 displayed on the display device 100 is shown in FIG. 13. In this example, the notification area R6 is provided within the first-period expenditure item input area R2. Note that clicking on the notification area R6 may cause a web page related to the advertisement to open.

[0079] Note that the notification unit 7 may also notify the user by sending an advertisement to the user by email, message, or the like.

[0080] The savings amount information display unit 5 may display at least one of the user's income information, the unit price and annual amount of each regular expenditure item, the unit price of each first-period expenditure item, the first-period expenditure budget amount, the unit price of each second-period expenditure item, and the total of the unit prices for each category of each second-period expenditure item together with the savings amount in a graph.

[0081] Each of the regular expense item acquisition unit 1, first period expense item acquisition unit 2, second period expense item acquisition unit 3, calculation unit 4, savings amount information display unit 5, basic information acquisition unit 6, notification unit 7, and display device 100 that may be included in the household budget management device may be implemented in different devices. For example, the regular expense item acquisition unit 1, first period expense item acquisition unit 2, second period expense item acquisition unit 3, savings amount information display unit 5, basic information acquisition unit 6, and notification unit 7 that may be included in the display device 100 may be implemented on the screen of a client terminal such as a PC, smartphone, or tablet owned by the user, and the calculation unit 4 with the other configuration may be implemented on the server. Examples of the screen of the client terminal are the screen of the web browser of the client terminal and the screen of the application of the client terminal. In this case, the communication between the client terminal and the server is performed via a communication network such as the Internet.

[0082] In the embodiments of the disclosed technology, the various processes described are not only executed in chronological order according to the described order, but may also be executed in parallel or individually according to the processing capabilities of the device executing the processes or as required.

[0083] For example, the data exchange between the components of the household budget management device may be performed directly or via a storage unit (not shown).

[0084] Furthermore, the device of the present invention, the system of the present invention, or the method of the present invention may also have a device (terminal) for use via a network (telecommunication line). The "device (terminal) for use" may be provided with functions (such as control functions, decoding functions, restoration functions, input / output functions, etc.) necessary to obtain the effects of implementing the device of the present invention, the system of the present invention, or the method of the present invention.

[0085] Needless to say, other appropriate changes can be made without departing from the spirit of the present invention.

[0086] All documents, patent applications, and technical standards described in this specification are incorporated herein by reference to the same extent as if each individual document, patent application, and technical standard were specifically and individually indicated to be incorporated by reference.

[0087] [Program, recording medium] The functions realized by the components described in this specification may be implemented in circuitry or processing circuitry including a general-purpose processor, a specific-purpose processor, an integrated circuit, ASICs (Application Specific Integrated Circuits), a CPU (a Central Processing Unit), conventional circuits, and / or combinations thereof, programmed to realize the described functions. The processor includes transistors and other circuits and is regarded as circuitry or processing circuitry. The processor may be a programmed processor that executes a program stored in a memory.

[0088] In this specification, circuitry, unit, and means are hardware programmed to realize the described functions or hardware that executes them. The hardware may be any hardware disclosed in this specification or any hardware known to be programmed or execute to realize the described functions.

[0089] When the hardware is a processor regarded as being of the circuitry type, the circuitry, means, or unit is a combination of hardware and software used to configure the hardware and / or the processor.

[0090] Each of the above various processes can be implemented by causing the recording unit 2020 of the computer 2000 shown in FIG. 14 to read a program for executing each step of the above method and causing operations on the control unit 2010, the input unit 2030, the output unit 2040, the display unit 2050, etc.

[0091] The program describing the content of this process can be recorded on a computer-readable recording medium. As the computer-readable recording medium, for example, any of a magnetic recording device, an optical disk, a magneto-optical recording medium, a semiconductor memory, etc. may be used.

[0092] Also, the distribution of this program can be carried out, for example, by selling, transferring, lending, etc. a portable recording medium such as a DVD or a CD-ROM on which the program is recorded. Further, the program may be stored in the storage device of a server computer, and the program may be distributed by transferring the program from the server computer to other computers via a network.

[0093] A computer that executes such a program first stores, for example, a program recorded on a portable recording medium or a program transferred from a server computer in its own storage device. Then, at the time of executing the processing, the computer reads the program stored in its own recording medium and executes the processing according to the read program. As another execution form of this program, the computer may directly read the program from the portable recording medium and execute the processing according to the program. Further, each time a program is transferred from the server computer to this computer, the computer may sequentially execute the processing according to the received program. Further, the processing may be executed by a so-called ASP (Application Service Provider) type service that realizes the processing function only by the execution instruction and result acquisition without transferring the program from the server computer to this computer. Furthermore, the processing of the terminal may be executed by using a so-called SaaS (Software as a Service) type service in which a part of the server computer is used by the user together with the program. Note that the program in this embodiment includes information for use in processing by an electronic computer that conforms to the program (data etc. that do not directly instruct the computer but have the property of defining the processing of the computer).

[0094] Also, in this embodiment, the present apparatus is configured by causing a computer to execute a predetermined program, but at least a part of these processing contents may be realized hardware-wise.

Claims

1. A regular expense item acquisition unit that acquires the unit price and frequency of each regular expense item input by the user, with the expense items that occur regularly at intervals shorter than one year defined as regular expense items; Taking a period of a predetermined first period length as the first period, and regarding the expense items that the user spends in each first period and are other than the regular expense items as first period expense items. For the first period expense items, a first period expense budget amount, which is the budget amount regarding the total of the unit prices of the first period expense items in each first period, is defined, and a first period expense item acquisition unit that acquires the unit price of each first period expense item; A savings amount information display unit that displays information about the user's annual savings amount calculated from the user's income information, the unit price and frequency of each acquired regular expense item, and the unit price of each acquired first period expense item or the first period expense budget amount; The first period length is one month, and the first period includes future periods; The regular expense item acquisition unit presents to the user the annual amount of the regular expense item calculated based on the unit price and frequency of the regular expense item input by the user; A household management device.

2. The household management device according to Claim 1, Taking a period of a predetermined second period length, which is a period longer than the first period length, as the second period, and regarding the expense items that the user spends in the second period and are other than the regular expense items and the first period expense items as second period expense items, and further including a second period expense item acquisition unit that acquires the unit price of each second period expense item; The savings amount information display unit displays information about the user's annual savings amount calculated from the user's income information, the unit price and frequency of each acquired regular expense item, the unit price of each acquired first period expense item or the first period expense budget amount, and the unit price of each acquired second period expense item; The second period length is one year, and the second period includes future periods; Each second period expense item belongs to a category, a budget is defined for the category, and the user can input second period expense items for each category; A household management device.

3. The household management device according to Claim 1 or 2, The regular expense item acquisition unit can display the regular expense items in descending order of the annual amount; A household management device.

4. The household management device according to Claim 1, The first-period expenditure item acquisition unit presents to the user a remaining budget amount, which is the amount obtained by subtracting the total unit price of each of the acquired first-period expenditure items from the first-period expenditure budget amount. Household management device.

5. A program for causing a computer to function as each unit of the household management device according to claim 1.

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