Financial sense education device, financial sense education method and program

Abstract

To provide a money sense training apparatus for children, configured to develop a money sense for practical life, a money sense training method, and a program.SOLUTION: A money sense training apparatus 0100 includes: a consumption target information holding unit which holds consumption target information in which an image of a consumption target is associated with an ID; a background information holding unit which holds background information in which an image of background is associated with an ID; a background information output unit which outputs a background information image; a superimposition input receiving unit which receives an input to superimpose multiple kinds of consumption target information images on the output background information image; a superimposed image output unit which outputs the superimposition of the received images; a total amount information acquisition unit which acquires total amount information of the amount of consumption on the basis of the superimposed information and a consumption amount acquisition rule; an amount comparison result information acquisition unit which acquires amount comparison result information obtained by comparing the total amount information with comparison reference amount information; and an amount comparison result information output unit which outputs a result of the comparison.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a financial sense education device, a financial sense education method, and a program for educating children about financial sense that is suited to real life. [Background technology]

[0002] Previously, a "children's computer banking system" had been proposed. This "children's computer banking system" was software for children that related to a method of teaching children money management skills by linking children's computer games to online banking services (see Patent Document 1).

[0003] In addition, educational materials that teach how to use financial calculators, as well as a financial education simulation method that uses these to present examples necessary for performing various financial calculations using financial calculators and intuitively displays the results of financial calculations, thereby providing the necessary simulation results for those who use financial calculators in their work and those who wish to calculate pensions, loans, periodic rates of return, retirement plans, target funds, guaranteed funds, and retirement funds, have also been proposed (see Patent Document 2). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Special Publication No. 2005-524902 [Patent Document 2] Japanese Patent Application Laid-Open No. 2012-163974 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the "educational interactive money management method" disclosed in Patent Document 1 only teaches how to use online banking, and is not a system that teaches how to use money in a way that suits real life. Furthermore, the "financial education simulation method" disclosed in Patent Document 2 is a full-scale financial asset management simulation for adults, and is not intended to educate children on how to use money.

[0006] In recent years, in an IT environment where various online sales and online banking services are available via the Internet, there has been an increasing demand for methods to teach children financial literacy. However, the reality is that there have been almost no proposals for devices that teach children financial literacy by having them plan their own spending habits using the money they have on hand and learn how to use money in a way that is appropriate for their real lives. Furthermore, although money literacy is an important skill, it is not taught in compulsory education.

[0007] The present invention was created in consideration of the above-mentioned conventional problems, and aims to provide a financial sense education system, financial sense education method, and program for children that teach them a financial sense that is suited to real life. [Means for solving the problem]

[0008] In order to achieve the above object, the financial sense education device of the present invention comprises: a consumption object information storage unit that stores consumption object information, which is information that associates consumption object identification information that identifies a consumption object with an image (not limited to a still image, but may be a video; the same applies below) that represents the consumption object; a background information storage unit that stores background information that associates background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output unit that outputs an image of the stored background information; a superimposition input receiving unit that receives input for superimposing at least a part of the image of the plurality of types of consumable information on the output image of the background information; a superimposed image output unit that outputs a superimposed image representing the consumable object received by the superimposed input receiving unit; a consumption amount acquisition rule storage unit that stores consumption amount acquisition rules, which are rules for acquiring a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition unit that acquires total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information storage unit that stores comparison reference amount information, which is information indicating a comparison reference amount that serves as a standard for comparison with the total amount information; an amount comparison result information acquisition unit that compares the total amount information with the comparison reference amount information and acquires amount comparison result information that is the comparison result; and an amount comparison result information output unit that outputs the acquired amount comparison result information.

[0009] The present invention also provides a configuration in which the background information holding unit has time-information-added background information holding means for holding time-information-added background information including time information as background information.

[0010] The present invention also provides a time information acquisition rule storage unit that stores time information acquisition rules, which are rules for acquiring time information based on an image representing a consumable object that is superimposed; a total value time information acquisition unit that acquires total value time information, which is information indicating a total value of time information, based on an image representing a consumable object that is superimposed and a stored time information acquisition rule; a comparison reference time information storage unit that stores comparison reference time information, which is information indicating a comparison reference time that serves as a reference for comparison with the total value time information; a time comparison result information acquisition unit that compares the total value time information with the comparison reference time information and acquires time comparison result information that is the comparison result; A time comparison result information output unit that outputs the acquired time comparison result information is also provided.

[0011] The present invention also provides a configuration in which the background information holding unit has location-information-added background information holding means for holding location-information-added background information including location information as background information.

[0012] The present invention also provides a location information acquisition rule storage unit that stores location information acquisition rules, which are rules for acquiring location information based on an image representing a consumable object that is superimposed; a total value location information acquisition unit that acquires total value location information, which is information indicating a total value of location information, based on an image representing a consumable object that is superimposed and the stored location information acquisition rule; a comparison reference location information storage unit that stores comparison reference location information, which is information indicating a comparison reference location that serves as a standard for comparison with the total value location information; a location comparison result information acquisition unit that compares the total value location information with the comparison reference location information and acquires location comparison result information that is the comparison result; A location comparison result information output unit that outputs the acquired location comparison result information is also provided.

[0013] The present invention also provides a reaction information storage unit that stores reaction information to be output in response to superimposition of an image representing a consumable object; a reaction information selection unit that selects reaction information stored based on an input for superimposing at least a portion of the image of the plurality of types of consumable information on the output image of the background information; A configuration further comprising a reaction information output unit that outputs the selected reaction information is also provided.

[0014] The present invention also provides a configuration further including a superimposed input information storage unit that stores superimposed input information that is information that associates background identification information with consumable object identification information for which superimposed input has been accepted.

[0015] The present invention also provides a configuration having a user identification information storage unit that stores user identification information that identifies a user, and the superimposed input information storage unit having a user-specific superimposed input storage means that stores the superimposed input information in association with the user identification information.

[0016] The present invention also provides a superimposed input information statistical processing unit that statistically processes the accumulated superimposed input information; A configuration is also provided that includes a statistical processing result output unit that outputs the statistical processing result, which is the result of the statistical processing, and a reaction information update unit that updates the stored reaction information based on the output statistical processing result.

[0017] The financial education method of the present invention includes: A consumption object information holding step for holding consumption object information, which is information that associates consumption object identification information that identifies a consumption object with an image (not limited to a still image but may be a video; the same applies below) that represents the consumption object; a background information holding step of holding background information that is information associating background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output step of outputting an image of the held background information; a superimposition input receiving step of receiving an input for superimposing at least a part of the images of the plurality of types of consumable information on the output image of the background information; a superimposed image output step of outputting a superimposed image representing the consumable object received in the superimposed input receiving step; a consumption amount acquisition rule holding step for holding consumption amount acquisition rules, which are rules for obtaining a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition step of acquiring total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information holding step for holding comparison reference amount information, which is information indicating a comparison reference amount that serves as a basis for comparison with the total amount information; an amount comparison result information acquisition step of comparing the total amount information with the comparison reference amount information and acquiring amount comparison result information which is the comparison result; and an amount comparison result information output step of outputting the acquired amount comparison result information.

[0018] The financial education program of the present invention is A consumption object information holding step for holding consumption object information, which is information that associates consumption object identification information that identifies a consumption object with an image (not limited to a still image but may be a video; the same applies below) that represents the consumption object; a background information holding step of holding background information that is information associating background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output step of outputting an image of the held background information; a superimposition input receiving step of receiving an input for superimposing at least a part of the images of the plurality of types of consumable information on the output image of the background information; a superimposed image output step of outputting a superimposed image representing the consumable object received in the superimposed input receiving step; a consumption amount acquisition rule holding step for holding consumption amount acquisition rules, which are rules for obtaining a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition step of acquiring total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information holding step for holding comparison reference amount information, which is information indicating a comparison reference amount that serves as a basis for comparison with the total amount information; an amount comparison result information acquisition step of comparing the total amount information with the comparison reference amount information and acquiring amount comparison result information which is the comparison result; and an amount comparison result information output step of outputting the acquired amount comparison result information. The method includes a consumption object information holding step for holding consumption object information, which is information that associates consumption object identification information with an image (not limited to a still image but may be a video; the same applies below) representing the consumption object. [Effects of the Invention]

[0019] According to the present invention, it is possible to educate students on a sense of money that is in line with real life with a sense of realism using an interface via images. [Brief explanation of the drawings]

[0020] [Figure 1] FIG. 1 is a functional configuration diagram of a first embodiment. [Figure 2] FIG. 2 is an explanatory diagram of a table 0200. [Figure 3] FIG. 1 is a configuration diagram showing a hardware configuration of a first embodiment. [Figure 4] 1 is a flowchart showing the flow of processing in the first embodiment. [Figure 5] FIG. 10 is a functional configuration diagram of a second embodiment. [Figure 6] FIG. 10 is an explanatory diagram of a table 0600. [Figure 7] FIG. 10 is an explanatory diagram showing the hardware configuration of a second embodiment. [Figure 8] 10 is a flowchart showing the flow of processing in the second embodiment. [Figure 9] FIG. 10 is a functional configuration diagram of a third embodiment. [Figure 10] FIG. 10 is a configuration diagram showing the hardware configuration of a third embodiment. [Figure 11] 10 is a flowchart showing the flow of processing in the third embodiment. [Figure 12] FIG. 10 is a functional configuration diagram of a fourth embodiment. [Figure 13] FIG. 13 is an explanatory diagram of a table 1300. [Figure 14] FIG. 10 is a configuration diagram showing the hardware configuration of a fourth embodiment. [Figure 15]10 is a flowchart showing the processing flow of the fourth embodiment. [Figure 16] FIG. 10 is a functional configuration diagram of a fifth embodiment. [Figure 17] FIG. 10 is a configuration diagram showing the hardware configuration of a fifth embodiment. [Figure 18] 10 is a flowchart showing the processing flow of the fifth embodiment. [Figure 19] FIG. 13 is a functional configuration diagram of a sixth embodiment. [Figure 20] FIG. 2 is an explanatory diagram of a table 2000. [Figure 21] FIG. 13 is a configuration diagram showing the hardware configuration of a sixth embodiment. [Figure 22] 13 is a flowchart showing the flow of processing in the sixth embodiment. [Figure 23] FIG. 13 is a functional configuration diagram of a seventh embodiment. [Figure 24] FIG. 13 is a diagram showing the hardware configuration of a seventh embodiment. [Figure 25] 13 is a flowchart showing the flow of processing in the seventh embodiment. [Figure 26] FIG. 26 is an explanatory diagram of a table 2600. [Figure 27] FIG. 13 is a functional configuration diagram of an eighth embodiment. [Figure 28] FIG. 13 is a configuration diagram showing the hardware configuration of an eighth embodiment. [Figure 29] 13 is a flowchart showing the flow of processing in the eighth embodiment. [Figure 30] FIG. 3 is an explanatory diagram of a table 3000. [Figure 31] FIG. 13 is a functional configuration diagram of a ninth embodiment. [Figure 32] FIG. 13 is a configuration diagram showing the hardware configuration of a ninth embodiment. [Figure 33] 13 is a flowchart showing the flow of processing in the ninth embodiment. [Figure 34] FIG. 1 is an explanatory diagram of a learning model. [Figure 35] FIG. 10 is an explanatory diagram of an example of a card object as consumption target information. [Figure 36] FIG. 1 is an explanatory diagram of "Application Example 1" of the present invention. [Figure 37] FIG. 10 is an explanatory diagram of "Application Example 2" of the present invention. [Figure 38] FIG. 10 is an explanatory diagram of "Application Example 2" of the present invention. [Figure 39A] FIG. 10 is an explanatory diagram of "Application Example 2" of the present invention. [Figure 39B] FIG. 10 is an explanatory diagram of "Application Example 2" of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0021] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Note that the scope of the present invention is not limited to the embodiments described below, and various modifications and changes can be made to the embodiments described below without departing from the gist of the present invention.

[0022] In "Embodiment 1," we will mainly explain "Claims 1, 11, and 12." In "Embodiment 2" to "Embodiment 8," we will mainly explain "Claims 2" to "Claim 8." In "Embodiment 9," we will mainly explain "Claims 9 and 10."

[0023] <Hardware Description> While the present invention is primarily an invention that utilizes an electronic computer, it can also be realized by software, hardware, or a combination of software and hardware. The hardware that realizes all or part of the components of the present invention is composed of the basic components of a computer, such as a CPU, memory, bus, input / output devices, various peripheral devices, and user interfaces. The various peripheral devices include storage devices, internet interfaces, internet devices, displays, keyboards, mice, speakers, cameras, videos, televisions, CD devices, DVD devices, Blu-ray devices, USB memory, USB memory interfaces, removable hard disks, general hard disks, projectors, SSDs, telephones, fax machines, copiers, printers, movie editing devices, and various sensor devices.

[0024] Furthermore, the communications that can be used by this system may be LAN, WAN, Wi-Fi (registered trademark), Bluetooth (registered trademark), infrared communication, or ultrasonic communication, and some of the communications may be installed across borders. Furthermore, the device of the present invention may be operated by a single or multiple entities. The invention may also be configured as a device that includes, in addition to this device, a terminal used by a third party, and a terminal used by yet another third party. These terminals may also be installed across borders. Furthermore, in addition to this system and the aforementioned terminals, devices may be provided for registering related information about third parties, related persons, and databases for recording the registration details. These may be included in the device itself, or may be external to the device so that the device can utilize this information.

[0025] The above-mentioned electronic computer comprises a chipset, CPU, non-volatile memory, main memory, various buses, BIOS, various interfaces such as USB, HDMI (registered trademark), and LAN, a real-time clock, etc., which are configured on a motherboard. These operate in cooperation with an operating system (OS), device drivers (various interfaces such as USB and HDMI (registered trademark), and various built-in devices such as a camera, microphone, speaker or headphones, and display), various programs, etc. The various programs and data constituting the present invention are configured to efficiently utilize these hardware resources to execute various processes.

[0026] Chipset A "chipset" is a set of large-scale integrated circuits (LSI) mounted on a computer's motherboard that integrates a communication function, or bridge function, between the CPU's external bus and the standard bus that connects memory and peripheral devices. It may be configured as a two-chipset or a single-chipset. The "northbridge" is located on the side closest to the CPU and main memory, while the "southbridge" is located on the side farther away, which interfaces with relatively slow external I / O.

[0027] <North Bridge> The "northbridge" includes a CPU interface, memory controller, and graphics interface. Most of the functions of a conventional "northbridge" can be handled by the CPU. The "northbridge" connects to the main memory slot via a memory bus, and to the graphics card slot via a high-speed graphics bus (AGP, PCI Express).

[0028] <South Bridge> The "southbridge" connects to the PCI interface (PCI slot) via the PCI bus and handles I / O functions such as ATA (SATA), USB, and Ethernet® interfaces, as well as sound functions. Incorporating circuits supporting PS / 2 ports, floppy disk drives, serial ports, parallel ports, and ISA buses, which do not require or are not capable of high-speed operation, would hinder the speed of the chipset itself, so these functions can be separated from the "southbridge" chip and placed in a separate LSI called a super I / O chip. Buses are used to connect the CPU (MPU) to peripheral devices and various control units. Buses are connected by the chipset. The memory bus used to connect to main memory may instead adopt a "channel structure" for increased speed. The "bus" can be either a "serial bus" or a "parallel bus." While a serial bus transfers data one bit at a time, a "parallel bus" transmits the original data or multiple bits extracted from the original data as a single block, simultaneously over multiple communication paths. A dedicated line for the clock signal is set up in parallel with the data line, and synchronizes data demodulation on the receiving side. It is also used as a bus to connect the CPU (chipset) to external devices, and includes GPIB, IDE / (Parallel) ATA, SCSI, PCI, etc. Because there is a limit to how fast it can be made, in PCI Express, an improved version of PCI, and Serial ATA, an improved version of Parallel ATA, the data line can be a serial bus.

[0029] < <cpu>> A "CPU" sequentially reads, interprets, and executes a sequence of instructions called a program stored in main memory, outputting signal information to the main memory. The "CPU" functions as the center of computation within a computer. The "CPU" is composed of a "CPU core" that is the center of computation and its peripheral components, including registers, cache memory, an internal bus connecting the cache memory to the "CPU core," a DMA controller, a timer, and an interface with the bus connecting to the north bridge. Multiple "CPU cores" may be included in a single "CPU (chip)." Processing may also be performed by a graphics interface (GPU) or FPU in addition to the "CPU." While the embodiments are described as a "two-core type," this is not limiting. Programs may also be embedded within the "CPU."

[0030] <Non-volatile memory> (HDD) The basic structure of a hard disk drive (HDD) consists of a magnetic disk, a magnetic head, and an arm on which the magnetic head is mounted. The external interface can be SATA (previously ATA). A high-performance controller, such as SCSI, is used to support communication between hard disk drives. For example, when copying a file to another hard disk drive, the controller can read the sectors, transfer them to the other hard disk drive, and write them. This does not access the host CPU's memory, so there is no increase in the CPU load.

[0031] <Main memory: Volatile memory> The CPU directly accesses and executes various programs in "main memory." "Main memory" is volatile memory and uses DRAM. Programs in "main memory" are expanded from non-volatile memory to "main memory" upon receiving a program startup command. The CPU then executes the program according to various execution commands and execution procedures within the program.

[0032] Operating System (OS) An "operating system (OS)" is used to manage computer resources so that applications can use them, to manage various device drivers, and to manage the computer itself (the hardware). Small computers sometimes use firmware as their operating system.

[0033] ≪BIOS≫ The "BIOS" causes the CPU to execute procedures for starting up the computer hardware and running the operating system. It is typically the first piece of hardware that the CPU reads when it receives a computer startup command. The address of the operating system stored on the disk (non-volatile memory) is written here, and the "BIOS" loaded into the CPU sequentially loads the operating system into main memory, putting it into operation. The "BIOS" also has a check function that checks the presence or absence of various devices connected to the bus. The check results are stored in main memory and made available to the operating system as appropriate. The "BIOS" may also be configured to check for external devices, etc. The above applies to all embodiments.

[0034] The present invention can basically be configured with a general-purpose computer program and various devices. The computer basically operates by loading a program recorded in non-volatile memory into main memory, and then executing processing using the main memory, CPU, and various devices. Communication with devices is performed via an interface connected to a bus line. Possible interfaces include a display interface, keyboard, and communication buffer.

[0035] Furthermore, a tablet device or a PC (personal computer) is suitable as a device used in each embodiment of the present invention. A tablet device is a portable terminal device, such as an iPad (registered trademark) or a smartphone. A tablet device has a thin, plate-like overall shape and has a display screen on one side. It is equipped with a touch-type display that allows a user to perform a desired operation by touching the display screen. In other words, a tablet device is configured to function as both an operation unit and a display device.

[0036] <<Outline of "Application Example 1: Excursion Planning" of the Present Invention>> In Application Example 1, a consumption plan for an "excursion" event is created. Card objects (C1 to C10) (see FIG. 35) are stored in a "consumable object storage unit" as "images representing consumable objects" for the event. An image representing a background is stored in a "background information storage unit." An image representing the background (B1: see FIG. 36) is displayed by a "background information output unit," and a "superimposition input receiving unit" receives card objects to be superimposed on the image representing the background. A "superimposition image output unit" superimposes the received card objects on the background information (B1). In the example shown in FIG. 36, card objects C2, C5, C6, C7, and C3 are superimposed on the image representing the background (B1).

[0037] The "consumption amount acquisition rule storage unit" stores a "consumption amount acquisition rule" that indicates that the "consumption amount" is displayed in the numeric information represented by the character "yen" at the bottom of each card object C2, C5, C6, C7, and C3. The "total amount information acquisition unit" acquires the "total amount information" of the card objects. In the example shown in FIG. 16, the "consumption amounts" shown by each card object C2, C5, C6, C7, and C3 are "300 yen," "200 yen," "150 yen," "300 yen," and "0 yen," respectively, and the "total amount information" is "950 yen." The "amount comparison result information acquisition unit" compares the "comparison reference amount information (excursion allowance amount (1000 yen))" stored in the "comparison reference amount information storage unit" with the "total amount information (950 yen)," and the "amount comparison result information" that is the comparison result is output and displayed by the "amount comparison result information output unit." In the example shown in FIG. 16, change information 3610 (amount comparison result information) is displayed.

[0038] Additionally, at positions below the display position of the change information 3610 (amount comparison result information), card objects for "support," "savings," and "donation" are displayed as "consumption objects" that can be used for purposes other than the event (Z1, Z2, Z3 in FIG. 36). Information (M1, M2, M3, M4) indicating the "amount consumed" is displayed at positions corresponding to the superimposed positions of each card object. Note that a "warning information output unit" may be provided that displays and outputs information to alert the user if the change information is "negative."

[0039] Furthermore, the "time information acquisition rule storage unit" stores a "time information acquisition rule" that indicates that the "time information" representing the required time for the "consumption object" is displayed as numerical information represented by the characters "minutes" and "hours" above the "consumption amount" represented by each card object. The "total value time information acquisition unit" acquires the "total value time information" based on the "time information" of the card objects superimposed on the background information image (B1) and the "time information acquisition rule." In the example shown in FIG. 36, the "time information" represented by each card object C2, C5, C6, C7, and C3 is "30 minutes," "2 hours," "2 hours," "0 minutes," and "1 hour," respectively, and the "total value time information" is "5 hours 30 minutes." The "time comparison result information acquisition unit" compares the "comparison reference time" stored in the "comparison reference time information storage unit" with the "total value time information (5 hours 30 minutes)," and the "time comparison result information" representing the comparison result is output and displayed by the "time comparison result information output unit."

[0040] In this way, the "background information with time information storage means" possessed by the "background information storage unit" stores the "background with time information," which is an image (B1) that represents the background, and the "background information output unit" displays and outputs the "background with time information." "Time information 1720" is displayed using a "clock object" that indicates the elapsed time from the start, at a position below where each card object is superimposed on the background information image (B1).

[0041] Also, as shown in Figure 36, the superimposition positions of all card objects superimposed on the background information image (B1) are obtained and used as "total value location information," and the difference from "comparison reference location information," which is information indicating the total number of card objects that can be superimposed, is calculated, and information indicating this difference is output as "location comparison result information."

[0042] <<Outline of "Application Example 2: Errand Planning" of the present invention>> In Application Example 2, a consumption plan is created for an event, "an errand to buy ingredients for cooking curry." Ingredient objects (G1 to G5) (see FIG. 39B) are stored in a "consumption object storage unit" as "images representing consumption objects" for the event. An image representing a background is stored in a "background information storage unit." A "background information output unit" displays an image representing the background (B2: see FIG. 37), and a "superimposition input receiving unit" receives ingredient objects to be superimposed on the image representing the background. A "superimposition image output unit" superimposes the received ingredient objects on the image representing the background (B2). In the example shown in FIG. 38, each of ingredient objects G1 to G5 is superimposed on the image representing the background (B2). Furthermore, in Application Example 2, the image representing the background displays supermarkets SP1, SP2, and SP3, which indicate supermarkets where ingredients can be purchased. Ingredient objects for ingredients purchased at each supermarket are superimposed in association with the corresponding supermarket.

[0043] Each of the ingredient objects G1 to G6 is associated with a "consumption amount" and stored in advance. A "consumption amount acquisition rule storage unit" stores a "consumption amount acquisition rule" that associates a "consumption amount" with an ingredient object. The "total amount information acquisition" acquires "total amount information" for ingredient objects superimposed on an image (B2) representing the background. In the example shown in FIG. 38, it is shown that in supermarket SP1, the ingredient object "meat" is set as a "consumption object," in supermarket SP2, the ingredient objects "onion," "potato," and "apple" are set as "consumption objects," and in supermarket SP3, the ingredient objects "carrot" and "mild curry roux" are set as "consumption objects."

[0044] The "consumption amounts" shown by ingredient objects G1 to G6 are "715 yen," "210 yen," "200 yen," "200 yen," "100 yen," and "305 yen," respectively, and the "total amount information" is "1,730 yen." The "amount comparison result information acquisition unit" compares the "comparison reference amount information (allowed errand amount (1,795 yen))" stored in the "comparison reference amount information storage unit" with the "total amount information (1,730 yen)," and the "amount comparison result information," which is the comparison result, is output and displayed by the "amount comparison result information output unit."

[0045] In the example shown in Fig. 38, "change information 3810" (amount comparison result information) is displayed. Also, as shown in Fig. 39A, "flyer images T1, T2, T3" representing flyers distributed at each supermarket may be displayed around an image (B2) representing the background. Also, if the change information is "negative," a "warning information output unit" may be provided that displays and outputs information to alert the user.

[0046] In addition, "time information" is pre-stored, which is the time required to go from home to each supermarket, the time required to travel between supermarkets, etc. The "errand route" in the consumption plan drawn up by the user is superimposed on the background information (B2), and the time required according to this superimposed errand route is stored as a "time information acquisition rule" in the "time information acquisition rule storage unit." The "total value time information acquisition unit" acquires the "total value time information" based on the "time information" of the errand route and the "time information acquisition rule."

[0047] In the example shown in FIG. 38, an example of an errand route is displayed, in which the user goes from home to supermarket SP1, then from supermarket SP1 to supermarket SP2 (route (1)), then from supermarket SP2 to supermarket SP3 (route (2)), and then from supermarket SP3 back to home (route (3)). If the "time information" indicating the required time for routes (1) to (3) is "A minutes," "B minutes," and "C minutes," respectively, the "total time information" is "(A+B+C+D) minutes." Here, "D (minutes)" is the sum of the "required time" from home to supermarket SP1 and the "required time" from supermarket SP3 to home.

[0048] The "time comparison result information acquisition unit" compares the "comparison reference time" stored in the "comparison reference time information storage unit" with the "total value time information ((A+B+C+D) minutes)", and the "time comparison result information" that is the comparison result is output and displayed by the "time comparison result information output unit". In this way, the "time information-attached background information storage means" possessed by the "background information storage unit" stores the "background with time information", which is an image (B2) that represents the background, and the "background information output unit" displays and outputs the "background with time information".

[0049] In addition, the supermarket where the ingredient was purchased is designated as "total value location information," and the difference between this and "comparison reference location information," which is information indicating the total number of supermarkets SP where the ingredient can be purchased, is calculated, and information indicating this difference is output as "location comparison result information."

[0050] <<Embodiment 1: Corresponding to claims 1, 11, and 12>> <Outline of First Embodiment> The financial sense education device 0100 according to the first embodiment displays an image representing a background on a display device, and by accepting a user's operation, superimposes an image representing a consumption object on the image of background information. Based on the superimposed consumption object and the consumption amount acquisition rule, the device calculates "total amount information" which is the total amount of consumption, compares the calculated "total amount information" with "comparison reference amount information," and displays the comparison result on the display device.

[0051] <Functional configuration of the first embodiment> 1 is a functional block diagram of a financial sense education device 100. The financial sense education device 100 has a "consumption object information storage unit (0102)", a "background information storage unit (0104)", a "background information output unit (0106)", a "superimposed input reception unit (0108)", a "superimposed image output unit (0110)", a "consumption amount acquisition rule storage unit 0112", a "total amount information acquisition unit (0114)", a "comparison reference amount information acquisition unit (0116)", a "amount comparison result information acquisition unit (0118)", and an "amount comparison result output unit (0120)".

[0052] <Consumption target information storage unit (0102): First embodiment> The "consumption object information storage unit (0102)" stores "consumption object information," which is information that associates "consumption object identification information (consumption object ID)" with an "image (consumption object image)" that represents the consumption object. "Consumption object identification information (consumption object ID)" is information for identifying a "consumption object." "Consumption object information" is information that indicates a "consumption object." A "consumption object" refers to the object on which money is spent when educating people on how to use money. It does not matter whether it is a "tangible object" or an "intangible object." However, since learners are generally assumed to be of an age group that has completed compulsory education, products or services that can be specifically imagined as consumption by that age group are appropriate.

[0053] When "consumption objects" are "tangible goods," they include food, sweets, toys, games, clothing, books, magazines, stationery, children's goods, pets, music media, video media, etc. When "intangible goods" are "consumption objects," they include attractions at amusement parks, transportation, watching movies, listening to music, watching music, watching concerts at concert venues, watching plays, downloading music, images, and videos of characters and idols, etc.

[0054] The "image representing the object of consumption" can be anything that can be output as an image on a computer interface (display). In other words, there are no restrictions on the format of the image information, and the quality of the image can be either cartoon or live-action (photographic image, movie image). For younger age groups, easy-to-understand cartoons and animations are appropriate, while for older age groups, live-action images are better. The size of the image on the display should preferably be large enough to allow multiple images to be overlaid on the background, as described below. An image area of ​​approximately 0.01 to 0.1 times the size of the background image is appropriate. In the case of a video, the image should be configured to move once it is overlaid on the background.

[0055] Furthermore, it is preferable that the "image representing the consumable object" stored in the "consumable object information storage unit (0102)" is configured to be displayed on the display in a manner that allows the learner to "pick up" it via a man-machine interface. Therefore, it is preferable that the "image representing the consumable object" is configured to be displayed in multiple "pick-up available areas." The "pick-up available areas" can be configured to allow the entire image to be viewed by scrolling. Alternatively, the page can be refreshed to allow the entire image to be viewed. If a moving image is displayed in a "pick-up available area" as the "image representing the consumable object," it can be configured to remain still while displayed in that area and move only when touched by an interface component such as a cursor or mouse, or it can be configured to move constantly while it is placed in the pick-up area and is visible.

[0056] It is also possible to configure the "pickup area" so that multiple identical "images representing consumable items" are placed in it. In this case, it is preferable to configure it so that when one "image representing a consumable item" is picked up, the picked-up "image representing a consumable item" is deleted from the pick-up area, as this allows for a more realistic operation. However, it is also possible to configure it so that the same "image representing a consumable item" can be picked up multiple times. It is also possible to configure it so that sound is output in sync with the pick-up. The sound may be a mechanical sound or a melody.

[0057] FIG. 2 is an explanatory diagram of a table 0200 stored in the "consumable object storage unit (0102)." The table 0200 associates and non-volatilely stores "consumable object IDs" and "consumable object images." In "Application Example 1," "consumable object IDs" from "001" to "010" are stored in association with each of the card objects C1 to C10 shown in FIG. 35. In "Application Example 2," "consumable object IDs" from "001" to "006" are stored in association with each of the ingredient objects G1 to G6 shown in FIG. 39B.

[0058] <Background information storage unit (0104): First embodiment> The "background information storage unit (0104)" stores information that associates "background identification information (background ID)" that identifies the background in which the consumption object is consumed with an "image (background image)" that represents that background. Specifically, "B1 (see FIG. 36)" in "Application Example 1" and "B2 (see FIG. 37)" in "Application Example 2" are each stored in association with a background ID.

[0059] "Background" refers to information that represents the space in which a consumption object is consumed. For example, it could be geographical information, information about the interior of a building, information about playgrounds such as Disneyland® or DisneySea®, or, in the case of consuming a consumption object by downloading information, the display surface of a computer or other device, or anything else that can be associated with consuming a consumption object.

[0060] The financial education device according to the present invention preferably stores various "backgrounds," and can be configured so that the "background" can be selected by the student or the educator. This selection can be made according to the story of the financial education, and the "background selection unit" can be configured to display the stories as a table of contents, allow the student to first select from the stories, and then select an image of the "background" information included in the selected story as an "icon." This "icon" can be a reduced version of the image displayed on the display when the education is actually given, or it can be a separately prepared "icon." The image of the "background" information can be a "still image" or a "video."

[0061] The "icon" displayed when selecting a "background" may be either a "video" or a "still image." As with the "image representing the consumption object," the "video" may be configured to move in response to contact with interface components, such as the cursor or mouse pointer, on the background selection screen. The selection of a "background" may be associated with and retained as "consumption attribute information" indicating attributes of the consumption behavior in the "background." Examples of "consumption attribute information" for consumption behavior in the "background" include the expiration date of purchased food products, the timing of price increases or decreases, the durability and failure rate of purchased products, etc. Furthermore, it is also possible to associate multiple pieces of "consumption attribute information" with one background, allowing the "consumption attribute information" to be selected.

[0062] Furthermore, if the "background" includes a time-related element, the speed at which time progresses may be adjusted. Also, if the "background" is particularly geographical information, the background may be configured to change over time, such as from morning to afternoon to evening to night.

[0063] <Background information output unit (0106): Embodiment 1> The "background information output unit (0106)" outputs an image of the background information stored in the "background information storage unit (0104)." A typical form of image output of background information is output to a display screen. Outputting to a display screen appeals to the visual sense of the student, improving learning effectiveness. Examples of "background" are as described above. As a specific example, the "background information output unit (0106)" outputs "B1 (see FIG. 36)" in "Application Example 1" of the present invention, and displays "B2 (see FIG. 37)" on the display device in "Application Example 2" of the present invention. The output of "background information" can also be configured so that the user selects multiple pieces of background information from the stored information, and the selected pieces are combined and output. For example, it can be configured so that a free background can be created by selecting multiple pieces of background information indicating geographical backgrounds and combining them like a puzzle.

[0064] <Superimposed Input Receiving Unit (0108): First Embodiment> The "superimposition input receiving unit (0108)" accepts input for superimposing at least a portion of multiple types of consumable information images on the output background information image. Furthermore, the consumable information image pickup can be performed by, for example, superimposing consumable information images arranged around the "background information" on the background information using a mouse or other device. More specifically, the consumable information images can be displayed at the top, bottom, right, or left of the background information. The selectable arrangement can be in one or more horizontal rows, one or more vertical columns, one or more diagonal rows, or even surrounding the background information. In this case, the consumable information images can be arranged as small icons within the "background information." "Superimposition" refers to overlapping on a display screen. For example, it refers to overlapping a "consumable information image" on an overlapping area set in the "background information." The position of the image of the superimposed consumption object information is initially acquired by the computer as coordinate position on the display or information on the area specified by the coordinates, but is ultimately converted into information indicating the relationship with the image area and coordinates shown in the background information. This information indicating the relationship is used by the consumption amount acquisition rule to become information indicating the consumption amount.

[0065] In this case, the "background information" image becomes invisible in the area where the "consumable information image" is overlaid. However, if important information such as text is present there, the text can be configured to move horizontally across the "consumable information image." Furthermore, as an effect of "overlay," an explanation of the "consumable information image" can be output, or the "consumable information image" can change. The explanation of the image can also change, or the "consumable information image" can change depending on the overlay position of the "consumable information image." Furthermore, the overlay of the "consumable information image" can be configured to output sound or music. This sound or music can also change depending on the position within the overlaid "background image." The overlay of the "consumable information image" can also be configured to change the surrounding area of ​​the overlaid "background information" image. For example, if there are fish swimming in a pond and a fishing rod is held over the pond as the "consumable information image," the background information image can change so that the fish are drawn to eat the bait attached to the fishing rod's hook.

[0066] The "input for superimposition" operation is performed by the trainee, who moves the "consumable information image" to the background superimposition area of ​​his or her own volition. The "superimposition input receiving unit (0108)" typically accepts a user's drag-and-drop operation of the "consumable information image" using an input device (such as a mouse) or a user's touch operation on the "consumable information image." In addition to drag-and-drop, if the display is a touch panel, the "consumable information image" may be moved directly with a finger, or by flicking the finger. Alternatively, the "consumable information image" may be configured to change to the corresponding image when a user speaks, "Let's start fishing in the pond." The "input for superimposition" may be configured to accept multiple inputs from multiple devices connected to a network. This allows a group of people to collaboratively superimpose "consumable information images" on a single "background information image." The financial education device may also be equipped with a function that allows users to cancel superimposition input even after it has been made. For example, a superimposition confirmation input operation receiving unit for receiving the superimposition confirmation input operation may be provided so that the superimposition input can be redone any number of times until the confirmation input is made. Note that the reaction information described later in the sixth embodiment may be configured to be output before the confirmation input.

[0067] In this case, education on money management can be provided on a group basis, improving skills such as communication among group members. Furthermore, some of the group members can be configured as artificial intelligence, and the system can receive superimposed "consumable information images" when interacting with them. When multiple people work collaboratively in this way, it is preferable to provide a means for communication between terminals. As a means of communication, participants' "avatars" can be placed around the "background information image" and configured to speak. The "avatars" speaking can be displayed in text, or the avatar's mouth and facial expressions can be changed to output the avatar's own voice. Furthermore, a teacher can be included among the characters, providing supplementary advice to the children.

[0068] <Superimposed image output unit (0110); Embodiment 1> The "superimposed image output unit (0110)" outputs the superimposed image received by the "superimposed input receiving unit (0108)." "Outputting the superimposition" refers to superimposing the "consumable information image" on the "background information" and displaying it on the display screen. Even when "superimposed output" is performed, the "background information" does not need to be obscured. In other words, a configuration in which the "background information" is faintly visible through a semi-transparent "consumable information image" may be used. A typical operation mode is to display and output the image at the drop position where the user drags and drops the "image" of the consumable information using an input device (such as a mouse). As explained above regarding "output of the superimposed image," it is possible to prepare an accessible "data viewing file" at any time to view data related to the "consumable information image" superimposed on the "image superimposition." For example, the "attributes" of "consumable information" can be cited as explanatory information, but explanations can also include the relationship with other "consumable information," the disadvantages of the "consumable information" indicated by the "consumable information" (it is fragile, so be careful when carrying it on mountain trails; it spoils easily, so be careful when transporting it), and advantages (it is sturdy, so it will not break even if it is subjected to a slight shock; it is resistant to heat, so there is no need to keep it refrigerated).

[0069] <Consumption Amount Acquisition Rule Storage Unit (0112): First Embodiment> The "consumption amount acquisition rule storage unit (0112)" stores "consumption amount acquisition rules," which are rules for acquiring the "consumption amount" based on the superimposed information. "Superimposed information" refers to the "consumption object image" superimposed by the superimposition operation described above, etc. The "consumption amount acquisition rule" refers to a rule for determining the "consumption amount" for the consumption object indicated by the superimposed "image of consumption object information." A specific example of the "consumption amount acquisition rule" is a rule for acquiring the numerical information represented by the character "yen" at the bottom of each card object C1 to C10 shown in Figure 35 as the "consumption amount," as shown in "Application Example 1" of the present invention. Note that if multiple pieces of numerical information are displayed on a card object, the total amount becomes the "consumption amount" of that card object.

[0070] Furthermore, if a table is prepared in which the objects to be superimposed (images representing consumption items) are associated with consumption amounts, the "consumption amount acquisition rule" can be used to search the table and obtain the consumption amount corresponding to the superimposed object (image representing the consumption item). For example, this rule can be applied to the "ingredient object" in "Application Example 2" of the present invention. For example, if the consumption item indicated by the "consumption item information" has a current market price, the price can be obtained from time to time, so that the price is not always the same. Furthermore, the "consumption amount acquisition rule" can be one that changes the price depending on the location of the "background information" on which the "consumption item information image" is superimposed. For example, a drink from a vending machine can cost 110 yen if purchased in town, but 200 yen if purchased at the summit of Mount Takao, depending on the location.

[0071] Furthermore, it is possible to set a lower price for bulk purchases than for individual purchases, or to set a lower price for items with a close expiration date than for items with a long shelf life. In some cases, it is also possible to use the "consumer object" indicated in the "consumer object information" to conduct business and receive a refund for the amount spent. For example, you can purchase lunch boxes for the number of people in a group and sell them to the group members, thereby receiving a refund for the amount spent. It is also possible to configure the "consumer amount acquisition rule" to be affected by foreign exchange rates, as consumption amounts fluctuate, such as current market prices. In this case, it is possible to learn about the use of money in relation to imports and exports. With the recent ease of purchasing overseas products via the Internet, even relatively young people may encounter such situations.

[0072] <Total Amount Information Acquisition Unit (0114): First Embodiment> The "total amount information acquisition unit (0114)" acquires "total amount information", which is information indicating the total amount of consumption, based on the superimposed information and the "consumption amount acquisition rules" stored in the consumption amount acquisition rule storage unit (0112). "Superimposed information" refers to, for example, "information representing consumption objects". The "consumption amount acquisition rules" are as described above. "Total amount information" refers to information on the total amount. This "total amount information" is used to calculate the total amount of all the superimposed "images representing consumption objects". For example, in "Application Example 1" of the present invention, the "total amount information" is acquired by calculating the sum of the "consumption amounts" represented by all the "card objects (images representing consumption objects)" superimposed on the image of the background information. Furthermore, in "Application Example 2" of the present invention, a table is prepared in which the "ingredient objects (images representing consumption objects)" to be superimposed are registered in association with the consumption amounts, and the "consumption amounts" corresponding to all the "ingredient objects" that are actually superimposed are found by searching the table, and the "consumption amounts" are summed to obtain "total amount information."

[0073] This "total value information" can be configured to be always visible throughout the game, or it can be made invisible so that the user can feel how much they have consumed by instinct. In recent years, it has become possible to shop using smartphones and other devices, but there have been many cases where people have wasted money because they were unable to intuitively grasp how much they had consumed. Therefore, it is preferable to configure the system to be switchable between a "mode" in which the information is always invisible and a "mode" in which the information is always visible. For example, it is possible to configure the system so that drills are conducted several times in a "mode" in which the information is always visible, and then a test is conducted in a "mode" in which the information is always invisible.

[0074] These multiple drills and the final exam can be configured as a series of practice questions and a result test, with "consumption objects" indicated by "background information" and selectable "consumption object information" grouped together. Each grouping can be configured to indicate the training objective, with children and others solving problems to achieve that training objective. Furthermore, once a certain objective is achieved, a higher-level objective can be prepared and presented to the user to encourage further progress. Furthermore, if the same mistake is made repeatedly, the user's easily fallible behavior can be associated with "user identification information," which identifies the user. This can be achieved by providing a "user-specific education history information storage unit" to store "user-specific education history," and appropriate questions can be selected based on this "user-specific education history information."

[0075] <Comparison base amount information storage unit (0116): Embodiment 1> The "comparison reference amount information storage unit (0116)" stores "comparison reference amount information," which is information indicating a comparison reference amount that serves as a standard for comparison with the "total value amount information." The "comparison reference amount information" is information used to determine the correct or appropriate level of a young person's use of money and is essentially information indicating an amount. However, it may also include other information, such as information used to determine the appropriateness of money use, such as the time spent deciding to spend money and the degree of cancellation of spending money. The standard for the time spent on spending money is whether it is within a minimum and maximum time limit, and the degree of cancellation is the number of cancellations allowed. The "comparison reference amount information" may be managed by an administrator and is preferably configured to be editable by the administrator. Furthermore, the "comparison reference amount information" is preferably stored in association with "background information" and the age and grade of the young person receiving the education.

[0076] It is also preferable that the "background information" be associated with a financial education theme that is paired with the "background information." For example, if the "background information" is mountain climbing, the theme is snacks and drinks purchased at a shop along the way, and the student is in third grade, then "800 yen" or the like is associated and stored as "comparison reference amount information" that can be used for purchases. In this way, it is preferable that the "comparison reference amount information" be associated and stored with the "background information," the age and grade of the young person receiving the education, the learning theme associated with the "background information," and, in some cases, the accompanying consultant or advisor. The "comparison reference amount information" is information that serves as a comparison reference with the "total amount information." The "comparison reference amount information" is, for example, information indicating the amount of money allowed to be held at an event, such as the maximum total amount of a consumption activity. In "Application Example 1" of the present invention, money information indicating the amount of money allowed to be held for the "field trip" event is stored. In "Application Example 2" of the present invention, money information indicating the amount of money to be handed over for the "errand running" event is stored.

[0077] <Amount comparison result information acquisition unit (0118): Embodiment 1> The "amount comparison result information acquisition unit (0118)" compares the "total amount information" acquired by the "total amount information acquisition unit (0114)" with the "comparison reference amount information" to acquire the "amount comparison result information" that is the comparison result. "Comparing and acquiring the "amount comparison result information" that is the comparison result" specifically means finding the difference between the "total amount information" and the "comparison reference amount information" as the "amount comparison result information." There are three ways to compare the "total amount information" with the "comparison reference amount information" to acquire the "amount comparison result information" that is the comparison result: when a comparison result is acquired in which the "total amount information" is greater than the "comparison reference amount information," when a comparison result is acquired in which the "total amount information" is less than the "comparison reference amount information," and when a comparison result is acquired in which the "total amount information" and the "comparison reference amount information" are the same value.

[0078] In "Application Example 1" of the present invention, the "total amount information" of the "consumption amount" represented by all card objects superimposed on the background information image is compared with the information on the amount of money allowed for the "field trip," and the "amount comparison result information" is obtained as the comparison result. Furthermore, in "Application Example 2" of the present invention, the "total amount information" of the "consumption amount" corresponding to ingredient objects representing items purchased at each supermarket is compared with the information on the amount of money passed when "running an errand," and the "amount comparison result information" is obtained as the comparison result. The "amount comparison result information" may be information on the degree of deviation, whether within or outside the acceptable range, in addition to the above-mentioned large or small or equal amount. In other words, it may include qualitative information or may consist solely of qualitative information. Furthermore, the "comparison result" may include quantitative and qualitative information, such as the relative position within a group of young people studying the same background information and the same learning topic using that information, or the results of comparison with other young people who have studied the same background and learning topic in the past.

[0079] Furthermore, this "amount comparison result information" can be statistically processed for the same "background information" or the same learning theme, and the "amount comparison result information" can be updated. For example, deep learning technology can be used to constantly update the "amount comparison result information" to a range that is calculated as reasonable and optimal. The "total value information" to be compared with the "comparison reference amount information" is not necessarily limited to the background information or the final stage of the learning theme, but can also be compared with the total amount during the learning process. For example, in a learning session on purchasing food, drinks, and snacks during a field trip, the "total value information" during the learning process can be configured to be compared at an intermediate stage before the end of the field trip. When comparing at an intermediate stage, the "comparison reference amount information" may be compared at an intermediate stage, or the "total value information" at the intermediate stage may be compared with the "comparison reference amount information" indicating the final comparison reference amount.

[0080] <Amount comparison result information output unit (0120): Embodiment 1> The "amount comparison result information output unit (0120)" outputs the acquired "amount comparison result information." The "amount comparison result information" is as described above. There are three output modes: when the "total amount information" is output to be greater than the "comparison amount reference information," when the "total amount information" is output to be smaller than the "comparison amount reference information," and when the "total amount information" and the "comparison amount reference information" are the same. Specific examples include displaying the difference between the set "money information" and "total value information" on the display screen. The "amount comparison result information" can be displayed in various ways on the display screen. For example, it can be displayed inside or outside the background information, or the display can be highlighted with a different pattern or color from the background information, or in larger letters. Furthermore, the information can also be displayed and notified by voice.

[0081] In "Application Example 1" of the present invention, the difference between the "total amount information" of the "consumption amount" represented by all card objects superimposed on the background information image and the "money information" allowed for "excursion" is calculated, and if there is "change", "change information 3610" is displayed as shown in Fig. 36. In addition, in "Application Example 2" of the present invention, the difference between the "total amount information" of the "consumption amount" corresponding to ingredient objects showing items purchased at each supermarket and the money information handed over when "errands are run" is calculated, and if there is "change", "change information 3810" is displayed as shown in Fig. 38.

[0082] In any of the application examples, if the "change information" is "negative," the system may be configured with a "warning information output unit" that displays, in the background image (B1, B2), a warning message, such as a message encouraging the user to reconsider creating a consumption plan. This will encourage the user to reconsider creating a consumption plan, further educating the user about financial awareness. As mentioned above, the "amount comparison result information" may be, but is not limited to, information about excess or deficiency or a relationship between amounts. It may also be qualitative information, or images rather than text, such as images of the faces of anime characters or characters, or audio information, such as the voice of a teacher or an anime character, or information in the form of a graph or table. It may also be a deviation score among multiple learners, or the learner's position, such as ranking. Furthermore, when the results of a comparison with the "comparison standard amount information" are output during a learning stage, as mentioned above, information indicating whether the result is appropriate as a mid-learning lesson can be output. For example, advice such as "If you keep going like this, you won't have enough money for lunch!" or "You'll have a lot of pocket money left over," can be output as "amount comparison result information." The "amount comparison result information" can be configured to be acquired based on the results of a numerical comparison between the total amount of consumption and the comparison reference amount, and the acquired comparison results can be configured to hold various pieces of advice associated with the numerical comparison results, and to output the associated advice.

[0083] <Hardware configuration of embodiment 1> 3 is a diagram showing the hardware configuration of embodiment 1. A CPU 0300, a non-volatile memory 0310, a volatile memory 0320, an input device 0330, and an output device 0340 are connected to a bus 0315, and each component can send and receive required information to and from each other via the bus 0315.

[0084] The input device 0330 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 0340 is, for example, a liquid crystal display, an EL display, a printing device, etc. In a touch panel type display, the input device 0330 and the output device 0340 are combined and integrated.

[0085] The nonvolatile memory 0310 has device drivers installed for the input device 0330 and the output device 0340. The nonvolatile memory 0310 also stores a group of tables, such as the table 0200 shown in Fig. 2, in a nonvolatile manner, and when the CPU 0300 executes a program, the group of tables is copied to the volatile memory 0320. The nonvolatile memory 0310 also stores necessary data in a nonvolatile manner, and the volatile memory 0320 temporarily stores data necessary during processing.

[0086] The CPU 0300 implements each function of the device 0100 by loading various programs into the volatile memory 0320 and executing them under the control of an OS stored in the nonvolatile memory 0310. In other words, the CPU 0300 implements each unit shown in Fig. 1 by executing a "consumption object information storage program," a "background information storage program," a "background information output program," a "superimposed input reception program," a "superimposed image output program," a "consumption amount acquisition rule storage program," a "total amount information acquisition program," a "comparison reference amount information acquisition program," a "amount comparison result information acquisition program," and an "amount comparison result output program."

[0087] <Embodiment 1: Processing flow> Next, the flow of processing will be described with reference to FIG. 4. First, in step S402, the "consumable object information storage unit (0102)" stores "consumable object information," which is information associating "consumable object identification information (consumable object ID)" with its consumable object image. That is, the "consumable object information" is stored in a non-volatile manner in the table 0200, associating the "consumable object ID" with the "consumable object image." In "Application Example 1" of the present invention, "consumable object IDs" ranging from "001" to "010" are stored in association with each of the card objects C1 to C10. In "Application Example 2" of the present invention, "consumable object IDs" ranging from "001" to "006" are stored in association with each of the ingredient objects G1 to G6 shown in FIG. 39B.

[0088] Next, in step S404, the "background information storage unit (0104)" stores "background information," which is information that associates "background identification information (background ID)" that identifies the background in which the consumable object is consumed with an "image" that represents that background. Each piece of "background information" such as B1 and B2 (see Figs. 36 and 37) in "Application Example 1" and "Application Example 2" of the present invention is associated with a "background ID" from "001" to "002" and stored.

[0089] Next, in step S406, the "background information output unit (0106)" outputs an image of the background information that has been stored. In the "Application Example 1" and "Application Example 2" of the present invention, the "background information output unit (0106)" displays "B1" in Fig. 36 and "B2" in Fig. 37 on the display device.

[0090] Next, in step 408, the "superimposition input receiving unit (0108)" receives input for superimposing the "image" of the consumable information on the output background information. Specifically, the "superimposition input receiving unit (0108)" receives input such as a drag-and-drop operation of the "image" of the consumable information using an input device (such as a mouse) by the user, or a touch operation on the "image" of the consumable information by the user.

[0091] Next, in step S410, the "superimposed image output unit (0110)" displays and outputs the superimposed image received by the "superimposed input receiving unit (0108)." Through this process, for example, the image is displayed and output at the drop position where the user dragged and dropped the "image" of the consumable information using an input device (mouse, etc.).

[0092] Next, in step S412, the "consumption amount acquisition rule storage unit (0112)" stores "consumption amount acquisition rules," which are rules for acquiring the consumption amount based on the superimposed information. As a specific example, in "Application Example 1," a rule is stored that acquires the numerical information represented by the character "yen" at the bottom of each of the card objects C1 to C10 shown in FIG. 35 as the "consumption amount." If multiple "consumption amounts" are displayed on one card object, the total amount of each "consumption amount" becomes the "consumption amount" of that card object. Also, in "Application Example 2," if an "amount table" is prepared in which ingredient objects to be superimposed and consumption amounts are registered in association with each other, it is possible to store as a "consumption amount acquisition rule" that searches the table and acquires the consumption amount corresponding to the superimposed ingredient object.

[0093] Next, in step S414, the "total amount information acquisition unit (0114)" acquires "total amount information," which is information indicating the total amount of consumption, based on the superimposed information and the stored "consumption amount acquisition rule." By this process, in "Application Example 1" of the present invention, the "consumption amounts" represented by all card objects superimposed on the background information image are calculated to acquire the "total amount information." In addition, in "Application Example 2" of the present invention, the "amount table" described above is stored, and the table is searched to calculate the "consumption amount" corresponding to each of all ingredient objects that are actually superimposed, and the "consumption amounts" are calculated to acquire the "total amount information."

[0094] Next, in step S416, the "comparison reference amount information storage unit (0116)" stores "comparison reference amount information," which is information indicating the comparison reference amount that serves as a basis for comparison with the "total amount information." By this process, in "Application Example 1" of the present invention, money information indicating the amount of money allowed to be possessed for the "field trip" event is stored. Also, in "Application Example 2" of the present invention, money information indicating the amount of money to be handed over for the "errand running" event is stored.

[0095] Next, in step S418, the "amount comparison result information acquisition unit (0118)" compares the "total amount information" acquired by the "total amount information acquisition unit (0114)" with the comparison reference amount information, and acquires the amount comparison result information, which is the comparison result. By this process, in "Application Example 1" of the present invention, the "total amount information" of the "consumption amount" represented by all card objects superimposed on the image of the background information is compared with the information on the amount of money allowed for "excursion", and the "amount comparison result information" is acquired, which is the comparison result. Also, in "Application Example 2" of the present invention, the "total amount information" of the "consumption amount" corresponding to the ingredient objects indicating items purchased at each supermarket is compared with the information on the amount of money passed when "running an errand", and the "amount comparison result information" is acquired, which is the comparison result.

[0096] Then, in step S420, the "amount comparison result information output unit (0120)" outputs the acquired "amount comparison result information." In "Application Example 1" of the present invention, this process calculates the difference between the "total amount information" of the "consumption amount" represented by all card objects superimposed on the image of the background information and the "money information" allowed for "excursion," and if there is "change," "change information 3610" is displayed as shown in FIG. 36. In "Application Example 2" of the present invention, the difference between the "total amount information" of the "consumption amount" corresponding to ingredient objects representing items purchased at each supermarket and the "money information" given when "running an errand" is calculated, and if there is "change," "change information 3810" is displayed as shown in FIG.

[0097] <Embodiment 1: Effects> The user can visually create a consumption plan for how to use multiple types of consumption items within the range of the money information indicating the amount of money possessed by the user for a certain event, and if the "change information" is "negative," the user can be encouraged to create a new consumption plan, thereby educating the user on money sense.

[0098] <<Embodiment 2: Corresponding to Claim 2>> <Outline of Second Embodiment> The second embodiment is based on the first embodiment and further has the following features. The second embodiment is characterized in that the "time-information-attached background information storage means" included in the "background information storage unit" stores time-information-attached background information that includes time information as background information. This enables the user to create a consumption plan while taking time information into consideration.

[0099] <Functional configuration of the second embodiment> Fig. 5 is a functional configuration diagram of a financial sense education device 500. The financial sense education device 500 according to the second embodiment is based on the configuration of Fig. 1 and includes a "background information storage unit (0504)" and a "background information storage means with time information (0505)."

[0100] The "consumption target information storage unit (0502)," "background information output unit (0506)," "superimposed input reception unit (0508)," "superimposed image output unit (0510)," "consumption amount acquisition rule storage unit 0512," "total amount information acquisition unit (0514)," "comparison reference amount information acquisition unit (0516)," "amount comparison result information acquisition unit (0518)," and "amount comparison result output unit (0520)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0101] <Background Information Storage Unit: Second Embodiment> The "background information storage unit (0504)" has a "time information-attached background information storage means (0505)" that stores "time information-attached background information" including time information as background information. "Time information-attached background information" is background information in which "information related to time" is displayed in the background. "Time information-attached" means that information related to time is attached. "Information related to time" can be, for example, information that simply represents the time, information that represents the elapsed time since the consumption plan was created (start time), or information that represents the elapsed time required in the consumption plan. An example of information that simply represents time is an image that resembles a clock or the like inside or outside the background information. An example of information that represents the elapsed time since the consumption plan was created (start time) is an image that resembles a clock or the like inside or outside the background. An example of information that represents the elapsed time in the consumption plan is an image that resembles a clock or the like inside or outside the background.

[0102] In short, it is sufficient that information indicating some time or the passage of time from a certain starting point is displayed inside or outside the background. The time or passage of time can be displayed, for example, by a display object resembling a clock. It is also possible to represent the passage of time by displaying a bar extending from a certain position on the display screen, with the bar extending as time passes. The display of the passage of time is not limited to this example, and any display form that appeals to the learner's visual sense can be used. It is also possible to notify the learner of time information, such as the passage of time from a certain starting point, by audio notification. Furthermore, if the "background" image displayed in "background information" is a moving image, the background information may change as time passes.

[0103] As "background information" that changes over time, for example, there may first be a scene of the sun rising and gradually getting brighter, followed by the daytime period when the sun is shining, and then the period when the sun is setting and the period when the stars are shining, etc., which may be stored as "background information." Furthermore, in addition to day and night, if the "background information" is a station platform, it may also be a train arriving at the platform according to a train timetable, doors opening for passengers to get on and off, and doors closing for the train to depart. For example, there may be a kiosk on the platform selling snacks and manga, and "background information" with a setting where a specific train ride takes you to the mountains, which is the destination of an excursion, is also conceivable.

[0104] When "time information" is added to "background information" in this way, it is not enough to simply take time to think about spending money slowly, but rather it is possible to learn to make decisions about spending money by dividing the time into appropriate time periods. For example, this has the advantage that it can learn to respond appropriately to problems such as entering a crowded food shop, and when it is your turn at the counter to order, you cannot decide what to order no matter how long you wait, even though there are many people in line behind you.

[0105] <Means for storing background information with time information (0505)> The 'means for storing background information with time information (0505)' stores 'background information with time information' including time information as background information. The 'background information with time information' is as described above.

[0106] As an example, FIG. 6 shows a table 0600 stored by the "time information-attached background information storage means (0505)." The table 0600 stores "background IDs" and "time information-attached background information" in a non-volatile manner, in association with each other. The "background ID" is information for identifying the "time information-attached background information." The "time information-attached background information" is as described above. As a specific example, the table 300 stores "background IDs" from "001" to "002" in association with "time information-attached background information" such as B1 in FIG. 36 and B2 in FIG. 37.

[0107] <Hardware configuration of embodiment 2> 7 is a diagram showing the hardware configuration of embodiment 2. A CPU 0700, a non-volatile memory 0710, a volatile memory 0720, an input device 0730, and an output device 0740 are connected to a bus 0715, and each component can send and receive required information to and from each other via the bus 0715.

[0108] The input device 0730 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 0740 is, for example, a liquid crystal display, an EL display, a printing device, etc. In a touch panel type display, the input device 0730 and the output device 0740 are combined and integrated.

[0109] Device drivers for the input device 0730 and the output device 0740 are installed in the nonvolatile memory 0710. A group of tables, such as the table 0600 shown in Fig. 6, is also stored in a nonvolatile manner in the nonvolatile memory 0710, and when the CPU 0700 executes a program, the group of tables is copied to the volatile memory 0720. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 0710, and data required during processing is temporarily stored in the volatile memory 0720.

[0110] The CPU 0700 implements each function of the device 0500 by loading various programs into the volatile memory 0720 and executing them under the control of an OS stored in the nonvolatile memory 0710. In other words, the CPU 0700 implements each unit shown in Fig. 5 by executing a "consumption object information storage program," a "background information storage program," a "background information output program," a "superimposed input reception program," a "superimposed image output program," a "consumption amount acquisition rule storage program," a "total amount information acquisition program," a "comparison reference amount information acquisition program," a "amount comparison result information acquisition program," and an "amount comparison result output program."

[0111] <Embodiment 2: Processing flow> Next, the characteristic process flow of the second embodiment will be described with reference to Fig. 8. As shown in Fig. 8, in step S800, a process of storing background information with time information is executed. By this process, the "means for storing background information with time information (0505)" stores "background information with time information" including time information as the background.

[0112] <Embodiment 2: Effects> Users will be able to create consumption plans while keeping time information in mind.

[0113] <<Embodiment 3: Corresponding to Claim 3>> <Outline of Embodiment 3> The third embodiment is based on the first or second embodiment and further has the following features. The financial sense education device 0900 according to the third embodiment displays and outputs information indicating the passage of time taking into account the time required for the consumption action indicated by the superimposed consumption object information, in order to cultivate a financial sense that takes time information into account. In the "application example 1" of the present invention, "total value time information" which is the sum of the "time information" indicated by the superimposed card objects is acquired, the acquired "total time information" is compared with "comparison reference time information" which is information indicating the allowable time in the "consumption plan for the field trip," and "time comparison result information" which is information indicating the difference is acquired, and the acquired "time comparison result information" is output.

[0114] In "Application Example 2" of the present invention, "total value time information" is obtained, which is information indicating the sum of "time information" non-volatilely stored in memory for "Route (1), Route (2), Route (3)" used "when running errands," and the obtained "total value time information" is compared with "comparison reference time information" which is information indicating the allowable time in the "consumption plan for running errands," and "time comparison result information" is obtained, which is information indicating the difference, and the obtained "time comparison result information" is displayed. In either application example, the time elapsed information is schematically displayed using a "clock object" at a required position on an image showing the background.

[0115] <Functional configuration of the third embodiment> Fig. 9 is a functional configuration diagram of a financial sense education device 900. The financial sense education device 900 according to the third embodiment is based on the configuration shown in Fig. 1 and includes a "time information acquisition rule storage unit (0922)", a "total value time information acquisition unit (0924)", a "comparison reference time information storage unit (0926)", a "time comparison result information acquisition unit (0928)", and a "time comparison result information output unit (0930)".

[0116] The "Consumption object information storage unit (0902)," "Consumption object information storage unit (0902)," "Background information storage unit (0904)," "Background information output unit (0906)," "Superimposed input reception unit (0908)," "Superimposed image output unit (0910)," "Consumption amount acquisition rule storage unit (0912)," "Total amount information acquisition unit (0914)," "Comparison base amount information acquisition unit (0916)," "Amount comparison result information acquisition unit (0918)," and "Amount comparison result output unit (0920)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0117] <Time information acquisition rule storage unit (0922); Embodiment 3> The "time information acquisition rule storage unit (0922)" stores "time information acquisition rules," which are rules for acquiring time information based on the superimposed information. "Superimposed information" refers to the "image representing a consumable object" superimposed by the superimposition operation described above and / or "the position in the image of the 'background information' where the consumable object is superimposed." The "time information acquisition rules" are rules for acquiring time information based on the superimposed information. This time information could be, for example, if you stop by a shop during a field trip to eat ice cream, the time you spend eating the ice cream, or if you ride an attraction at an amusement park, the time you spend on the attraction, or if you move a certain distance in the image of the 'background information,' the time you spend moving.

[0118] In other words, the "time information acquisition rule" is a rule that indicates how time should be consumed depending on the image shown in the "background information" and the consumption object shown in the consumption object information superimposed thereon. The "time information acquisition rule" can be configured to acquire various rules depending on the situation in the learning process. For example, the "time information acquisition rule" acquired may be different when acting alone and when acting with multiple people. Also, when entering a restaurant to have a meal, the time information acquisition rule may be different depending on whether the item ordered at the restaurant is a drink or a meal. Essentially, the "time information acquisition rule" refers to a rule that determines the "time" required for the consumption act shown in the superimposed "image representing the consumption object." The "time information acquisition rule storage unit (0922)" stores the rule.

[0119] As a specific example, in "Application Example 1" of the present invention, the "time information acquisition rule storage unit (0922)" stores "time information acquisition rules" for acquiring, as "time information," numerical information indicated by letters with "hours" and "minutes" that is displayed below a card object (consumable information) that is superimposed on an image of background information. Note that, if multiple pieces of "time information" are displayed on one card object, the total time of each piece of "time information" becomes the "time information" of that card object. In "Application Example 2" of the present invention, the "time information acquisition rule storage unit (0922)" stores the following "time information acquisition rules." That is, "time information" that is the required time to get from home to each supermarket, the required time between supermarkets, etc. is stored in advance, and the "time information acquisition rule" is stored for searching, finding, and acquiring the stored required time according to the selected route. Note that rules other than the exemplified "time information acquisition rules" can also be stored.

[0120] <Total Value Time Information Acquisition Unit (0924): Third Embodiment> The "total value time information acquisition unit (0924)" acquires "total value time information," which is information indicating the total value of time information, based on the superimposed information and the stored "time information acquisition rule." "Superimposed information" refers to, for example, "images representing consumable objects" (consumable object information). The "time information acquisition rule" is as described above. "Total value time information" refers to information on the total time. This "total time information" is used to calculate the required time for all superimposed "images representing consumable objects."

[0121] For example, in "Application Example 1" of the present invention, the "time information" of all card objects superimposed on the background information image is summed to obtain "total value time information." In "Application Example 2" of the present invention, six types of "required time" are pre-stored in memory: "(a) time required from home to supermarket SP1," "(b) time required from home to supermarket SP2," "(c) time required from home to supermarket SP3," "(d) time required from supermarket SP1 to supermarket SP2," "(e) time required from supermarket SP2 to supermarket SP3," and "(f) time required from supermarket SP1 to supermarket SP3." The "required time" stored corresponding to the selected route is calculated and the sum of these is obtained. The selected route is displayed in the background image (see (1), (2), and (3) in Figure 19). The "total value time information" may be calculated only when the game in the money sense education device reaches the final stage, or it can be calculated at any intermediate stage. In this case, the "comparison reference time information" described later can also be configured to hold a reference time that can be compared at an intermediate stage.

[0122] <Comparison Reference Time Information Storage Unit (0926): Embodiment 3> The "comparison reference time information storage unit (0626)" stores "comparison reference time information," which indicates a comparison reference time that serves as a reference for comparison with the total value time information. The "comparison reference time information" is information that serves as a comparison reference for the "total time information." In "Application Example 1" of the present invention, time information indicating the time allowed for the "field trip" event is stored as the "comparison reference time information." In "Application Example 2" of the present invention, time information indicating the time allowed for the "errand running" event is stored as the "comparison reference time information." The "comparison reference time information" may be used not only for final comparison but also for time comparison during learning. The "comparison reference time information" may be configured to store a default value, or may be configured to allow the default value to be selectable or to allow the "comparison reference time information" to be freely set. The "comparison reference time information" may have an interface for editing the "comparison reference time information," or may be configured to allow the "comparison reference time information" to be freely set between locations on a display showing an image of background information. The "comparison reference time information" may also be set based on the average consumption time of a large number of users. In this case, it is also possible to configure the system so that "comparison reference time information" is prepared by default according to the attributes of the user.

[0123] <Time comparison result information acquisition unit (0928): Embodiment 3> The "time comparison result information acquisition unit (0928)" compares the "total value time information" with the "comparison reference time information" and acquires the "time comparison result information" which is the comparison result. "Comparing and acquiring the "time comparison result information" which is the comparison result" means, for example, obtaining the difference between the "total time information" and the "comparison time reference information" as the "time comparison result information." There are three ways to acquire the "time comparison result information" which compares the "total value time information" with the "comparison reference time information." These are the cases where "time comparison result information" is acquired in which the "total time information" is greater than the "comparison time reference information," where "time comparison result information" is acquired in which the "total time information" is smaller than the "comparison time reference information," and where "time comparison result information" is acquired in which the "total time information" is equal to the "comparison time reference information."

[0124] In "Application Example 1" of the present invention, "total value time information" obtained by adding up the "time information" of all card objects superimposed on the background information image is compared with "allowable time information" for "field trips," and the comparison result is obtained as "time comparison result information." More specifically, the difference between the "total value time information" and the allowable time information for "field trips" is calculated. In "Application Example 2" of the present invention, "total time information" obtained by calculating and adding up the "required times" stored according to the selected route is compared with "allowable time information" for "errands," and the comparison result is obtained as "time comparison result information." More specifically, the difference between the "total value time information" and the allowable time information for "errands" is calculated.

[0125] <Time comparison result information output unit (0930): Embodiment 3> The "time comparison result information output unit (0930)" outputs the acquired "time comparison result information." The output can be in one of three ways: when the "total time information" is greater than the "comparison time reference information," when the "total time information" is smaller than the "comparison time reference information," or when the "total time information" and the "comparison time reference information" are identical. The "time comparison result information" can be displayed in various ways on the display screen. For example, it can be displayed inside or outside the background information, or it can be highlighted with a different pattern or color from the background information, or in larger letters. Audio notification can also be provided along with the display. The output can be a qualitative output, such as whether the time comparison result is pass or fail, or it can be a graphical or tabular display. If there are any problems, the problem can be identified and a comment can be included. Audio output is also possible. If the user has a terminal, the results can be output to the terminal and stored within the terminal. The results may also be output in a way that compares them with the average value of users with the same attributes, or that also displays statistical information about the user's position among users with the same attributes, such as where the user is positioned in terms of standard deviation.

[0126] In "Application Example 1" of the present invention, "time comparison result information" is displayed and output, which indicates the difference between "total value time information" obtained by adding up the "time information" of all card objects superimposed on the image of background information and "allowable time information" for "excursions." In "Application Example 2" of the present invention, "time comparison result information" is displayed and output, which indicates the difference between "total value time information" obtained by calculating and adding up the "required times" stored corresponding to the selected route and the allowable time information for "errands."

[0127] In either application example, if the system is configured to include a "reconsideration information output unit" that displays reconsideration information, such as a message urging the user to reconsider their consumption plan if the "total value time information" does not fall within the allowable time information, the user will be forced to reconsider their consumption plan, which will enable them to develop a financial sense that also takes time into account. It is also conceivable to configure the system to predict the progress of the game for each user during the game, point out problems that are likely to occur in the future, and output advice on how to avoid such problems.

[0128] <Embodiment 3: Hardware Configuration> 10 is a diagram showing the hardware configuration of embodiment 2. A CPU 1000, a non-volatile memory 1010, a volatile memory 1020, an input device 1030, and an output device 1040 are connected to a bus 1015, and each component can send and receive required information to and from each other via the bus 1015.

[0129] The input device 1030 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 1040 is, for example, a liquid crystal display, an EL display, etc. In a touch panel type display, the input device 1030 and the output device 1040 are combined and integrated.

[0130] Device drivers for the input device 1030 and the output device 1040 are installed in the nonvolatile memory 1010. A group of tables such as the above-mentioned tables is also stored in the nonvolatile memory 1010, and when the CPU 1000 executes a program, the group of tables is copied to the volatile memory 0720. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 0710, and data required during the processing is stored in the volatile memory 1020.

[0131] The CPU 0700 implements the various functions of the device by loading and executing various programs in the volatile memory 1020 under the control of the OS stored in the non-volatile memory 1010. In other words, the CPU 1000 implements the "time information acquisition rule storage program," the "total value time information acquisition program," the "comparison reference amount information storage program," the "time comparison result information acquisition program," and the "time comparison result information output program" based on the configuration shown in Fig. 1, thereby implementing the "time information acquisition rule storage unit (0922)," the "total value time information acquisition unit (0924)," the "comparison reference information storage unit (0926)," the "time comparison result information acquisition unit (0928)," and the "time comparison result information output unit (0930)."

[0132] <Processing flow of the third embodiment> The characteristic processing flow of the second embodiment will be described with reference to Fig. 11. First, in step S1100, the "time information acquisition rule storage unit (0922)" stores "time information acquisition rules" that are rules for acquiring time information based on the superimposed information. As a specific example, in "Application Example 1" of the present invention, the "time information acquisition rules" that acquire, as "time information," numerical information indicated by letters with "hours" and "minutes" that is displayed below a card object superimposed on an image of background information are stored in a non-volatile manner. In "Application Example 2" of the present invention, "time information" that is the required time, such as the required time to get from home to each supermarket and the required time between supermarkets, is stored in advance, and the "rules" that search for and obtain the required time stored corresponding to the selected route are stored in a non-volatile manner.

[0133] Next, in step S1102, the "total value time information acquisition unit (0924)" acquires "total value time information," which is information indicating the total value of time information, based on the superimposed information and the stored "time information acquisition rule." In "Application Example 1" of the present invention, this process acquires "total value time information," which is the sum of the "time information" of all card objects superimposed on the background information image. In "Application Example 2" of the present invention, "time information," which is the required time such as the time required to go from home to each supermarket and the required time between supermarkets, is stored in advance, and the "required time" stored corresponding to the selected route is found, and the summed "total value time information" is acquired.

[0134] Next, in step S1104, the "comparison reference time information storage unit (0926)" stores "comparison reference time information," which is information indicating a comparison reference time that serves as a reference for comparison with the total value time information. By this processing, in "Application Example 1" of the present invention, the allowable time information indicating the time allowed for "field trips" is stored as the "comparison reference time," and in "Application Example 2" of the present invention, the allowable time information indicating the time allowed for "running errands" is stored as the "comparison reference time."

[0135] Next, in step S1106, the "time comparison result information acquisition unit (0928)" compares the "total value time information" with the "comparison reference time information" and acquires the "time comparison result information" as the comparison result. In this process, in "Application Example 1" of the present invention, the "total value time information" obtained by summing up the "time information" of all card objects superimposed on the image of the background information is compared with the allowable time information for the "field trip", and the "time comparison result information" as the comparison result is acquired. More specifically, the difference between the "total value time information" and the allowable time for the "field trip" is calculated. In "Application Example 2" of the present invention, the "total value time information" obtained by calculating and summing the "required times" stored corresponding to the selected route is compared with the allowable time for the "errand", and the "time comparison result information" as the comparison result is acquired. More specifically, the difference between the "total value time information" and the allowable time for the "errand" is calculated.

[0136] Then, in step S1108, the time comparison result information acquired by the "time comparison result information output unit (0930)" is displayed. By this processing, in "Application Example 1" of the present invention, "time comparison result information" indicating the difference between "total value time information" obtained by adding up the "time information" of all card objects superimposed on the image of the background information and the allowable time for "excursions" is displayed. Also, in "Application Example 2" of the present invention, "time comparison result information" indicating the difference between "total value time information" obtained by calculating and adding up the "required times" stored corresponding to the selected route and the allowable time for "errands" is displayed.

[0137] <Effects of the Third Embodiment> Users will be able to develop a sense of money that also takes time into account when planning their consumption.

[0138] <<Modification of the Third Embodiment>> In the third embodiment, "total time information" is calculated, but the time required for the planned consumption behavior from the start may be displayed on a "clock object." For example, in "Application Example 1," time passes from left to right on image B1 showing the background. Then, a process is executed for all superimposed card objects to display a "clock object" with the clock advanced by the time information required for the consumption behavior of the card object below the position where the card object is superimposed. The "time information" in Figure 36 represents the passage of time by executing this process and using the clock object.

[0139] <<Embodiment 4: Corresponding to Claim 4>> <Outline of Fourth Embodiment> The fourth embodiment is based on any one of the first to third embodiments and further has the following features. The fourth embodiment is characterized in that the "location-information-attached background information storage means" included in the "background information storage unit" stores location-attached background information that includes location information as background information. This enables the user to create a consumption plan while taking location information into consideration.

[0140] <Functional configuration of the fourth embodiment> Fig. 12 is a functional configuration diagram of a financial sense education device 1200. The financial sense education device 500 according to the fourth embodiment is based on the configuration of Fig. 1 and includes a "background information storage unit (1204)" and a "location information-attached background information storage means (1205)."

[0141] The "consumption target information storage unit (1202)," "background information output unit (1206)," "superimposed input reception unit (1208)," "superimposed image output unit (1210)," "consumption amount acquisition rule storage unit 1212," "total amount information acquisition unit (1214)," "comparison reference amount information acquisition unit (1216)," "amount comparison result information acquisition unit (1218)," and "amount comparison result output unit (1220)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0142] <Background Information Storage Unit: Fourth Embodiment> The "background information storage unit (1204)" has a "location information-attached background information storage means (1205)" that stores "location information-attached background information" including location information as background information. "Location information-attached background information" refers to "location information" being displayed in the background. "Location information" refers to "information related to a location" being attached. Examples of "information related to a location" include a background in the form of a map, location information displayed around the background, and the entire background resembling a location. In short, it is sufficient that some information indicating a location is displayed inside or outside the background, or that the background itself has a schematic shape that represents a location.

[0143] Examples of "location information" include a background image of an amusement park, mountains or a river at a field trip destination, a picture of a residential area, the interior of a department store, a shopping district, a restaurant, or the interior of a candy store. Location information does not necessarily have to be a still image; it can also be a video. For example, in an amusement park, attractions may appear and disappear, or restaurants within the park may appear and disappear as the player moves. Scene transitions may be configured to occur by smooth scrolling or by page switching. Furthermore, audio may be included. Examples of audio include a store clerk's conversation such as "Welcome" or "Sorry to keep you waiting," the chirping of birds living in the mountains, or the sound of a passing train. This adds to the sense of realism and makes the experience more interesting. Furthermore, images can be configured so that clicking an icon advances to the next scene. For example, when entering a department store facing a downtown area, the user can click the department store icon, which transitions to a screen showing the interior of the department store. By structuring location information hierarchically, it becomes possible to explore the background in greater depth.

[0144] <Means for storing background information with location information (1205)> The "location-information-attached background information holding means (1205)" holds "location-information-attached background information" including location information as background information. The "location-information-attached background information" is as described above. The "location-information-attached background information" may be configured like a puzzle. The "location-information-attached background information holding means" holds pieces for constructing the "location-information-attached background information," and the user may assemble the "location-information-attached background information" by combining these pieces through an interface. The "location-information-attached background information" may also be configured to be editable once it has already been completed and stored. For example, an editing means or editing unit for the "location-information-attached background information" may be provided. Furthermore, the "location-information-attached background information" may be configured to be editable together with the "time information" described in the third embodiment. For example, if the default "background information" does not include a department store, a department store may be embedded as a piece, and the time spent at the department store may be set to 30 minutes, for example.

[0145] As an example, FIG. 13 shows a table 1300 stored by the "location-information-attached background information storage means (1205)." Table 1300 associates "background IDs" with "location-attached background information" and stores them in a non-volatile manner. "Background IDs" are information for identifying "location-attached background information." Specifically, table 1300 associates and stores "background IDs" from "001" to "002" with "location-attached background information" such as B1 in FIG. 36 and B2 in FIG. 37. As an example of "location-attached information," the location of a supermarket is shown in the background image as shown in B2 in FIG. 37.

[0146] <Hardware configuration of embodiment 4> 14 is a diagram showing the hardware configuration of embodiment 4. A CPU 1400, a non-volatile memory 1410, a volatile memory 1420, an input device 1430, and an output device 1440 are connected to a bus 1415, and each component can transmit and receive required information to and from each other via the bus 1415.

[0147] The input device 1430 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 1440 is, for example, a liquid crystal display, an EL display, a printing device, etc. In a touch panel type display, the input device 1430 and the output device 1440 are combined and integrated.

[0148] Device drivers for the input device 1430 and the output device 1440 are installed in the nonvolatile memory 1410. A group of tables such as the above-mentioned table 1300 is also stored in a nonvolatile manner in the nonvolatile memory 1410, and when the CPU 1400 executes a program, the group of tables is copied to the volatile memory 1420. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 1410, and data required during the processing is temporarily stored in the volatile memory 1420.

[0149] The CPU 1400, under the control of an OS stored in non-volatile memory 1410, loads various programs into volatile memory 1420 and executes them, thereby realizing the various functions of the device 1200. In other words, the CPU 0700 executes a "consumption object information storage program," a "background information storage program," a "background information output program," a "superimposed input reception program," a "superimposed image output program," a "consumption amount acquisition rule storage program," a "total amount information acquisition program," a "comparison reference amount information acquisition program," a "amount comparison result information acquisition program," and an "amount comparison result output program," thereby realizing the various units shown in FIG. 12.

[0150] <Embodiment 4: Processing Flow> Next, a characteristic process of the second embodiment will be described with reference to Fig. 15. As shown in Fig. 15, in step S1500, a process of storing background information with location information is executed. By this process, the "storage means for background information with location information (1205)" stores "background information with location information" including location information as the background.

[0151] In "Application Example 2" of the present invention, "with location information" means that the location where the consumption object is located is represented, for example, as in "Supermarkets SP1, SP2, SP3" in B2 of Fig. 37. In "Application Example 1" of the present invention, "B1" shown in Fig. 36 is held as "background information with location information" where the event "Field Trip" is held. In "Application Example 2" of the present invention, background information B2 representing supermarkets SP1, SP2, SP3 where consumption acts are performed, as shown in Fig. 37, is held as "background information with location information."

[0152] <Embodiment 4: Effects> Users will be able to create consumption plans while taking location information into consideration.

[0153] <<Embodiment 5: Corresponding to Claim 5>> <Outline of Embodiment 5> The fifth embodiment is based on any one of the first to fourth embodiments and further includes the following features. The financial sense education device 1600 according to the fifth embodiment acquires "total value location information," which is the total value of locations where each consumption act was performed, and outputs "location comparison result information," which is the result of comparison with a "comparison reference location." In an "application example 1" of the present invention, the number of card objects superimposed on an image representing a background becomes the "total value location information," and "location comparison result information," which is the result of comparison between the "total value location information," which is the total number of superimposed card objects, and the "comparison reference location," is output. In an "application example 2" of the present invention, a consumption plan for "errand time" is created by referring to flyer objects T1, T2, and T3 (see FIG. 20A ) at each supermarket SP1, SP2, and SP3 to determine which supermarket and which ingredients to purchase to cook "curry rice." At this time, the number of supermarkets visited to purchase ingredients is totaled to acquire "total value location information," and "location comparison result information," which is the result of comparison with a "comparison reference location," is output. For example, you can use it to aim to shop at as many places as possible.

[0154] <Functional configuration of embodiment 5> Fig. 16 is a functional configuration diagram of the financial sense education 1600. Based on the configuration of Fig. 1, it comprises a "location information acquisition rule storage unit (1622)", a "total value location information acquisition unit (1624)", a "comparison reference location information storage unit (1626)", a "location comparison result information acquisition unit (1628)", and a "location comparison result information output unit (1630)".

[0155] The "consumption object information storage unit (1602)," "background information storage unit (1604)," "background information output unit (1606)," "superimposed input reception unit (1608)," "superimposed image output unit (1610)," "consumption amount acquisition rule storage unit (1612)," "total amount information acquisition unit (1614)," "comparison reference amount information acquisition unit (1616)," "amount comparison result information acquisition unit (1618)," and "amount comparison result output unit (1620)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0156] <Location information acquisition rule storage unit (1622): Fifth embodiment> The "location information acquisition rule storage unit (1622)" stores "location information acquisition rules," which are rules for acquiring location information based on superimposed information. The "location information acquisition rule storage unit (0922)" stores "location information acquisition rules," which are rules for acquiring location information based on superimposed information. "Superimposed information" refers to the "image representing a consumable object" superimposed by the superimposition operation described above. The "location information acquisition rules" refer to rules for obtaining "location information" for performing a consumption act indicated by the superimposed "image representing a consumable object." The "location information acquisition rule storage unit (0922)" stores the rules.

[0157] In "Application Example 1" of the present invention, for example, determining the position where a card object is superimposed is defined as a "location information acquisition rule." In "Application Example 2" of the present invention, for example, a "location information acquisition rule" is a rule that counts the number of supermarkets (SP1, SP2, SP3) where corresponding ingredient objects are superimposed. Note that by superimposing an image representing a consumption object, a change can be made to the location information image displayed in the background. For example, when an image of vegetables is superimposed on a supermarket to purchase vegetables, the image of the supermarket can be configured to flash, the color scheme of the supermarket can be changed, or a speech bubble can appear from the supermarket saying "Thank you!" Furthermore, a configuration may be adopted in which sound is output in response to the superimposition operation. The sound is a sound associated with the location of the background. Note that these changes and sounds can also be edited or set by the user using a background information editing unit.

[0158] <Total Value Location Information Acquisition Unit (1624): Fifth Embodiment> The "total value location information acquisition unit (1624)" acquires "total value location information," which indicates the total value of location information, based on the superimposed information and the stored "location information acquisition rules." "Superimposed information" refers to "information representing consumable objects." The "location information acquisition rules" are as described above. "Total value location information" refers to the information of the totaled locations. "Total value location information" indicates the total of location information where consumption acts are performed for all superimposed "images representing consumable objects." Note that the "total value location information" can also be configured to calculate the "total value location information" during the game. The total value can also be configured to be displayed to the user during the game. The "total value location information" can be the number of locations, or a point value associated with each location and the total value of the locations, or a value representing an area associated with each location and the total area value. In other words, there are no particular limitations as long as it has some relationship to the location.

[0159] In "Application Example 1" of the present invention, the total number of superimposed card objects is acquired as "total value location information." In the example shown in Fig. 36, five superimposed card objects, namely, card objects C2, C5, C6, C7, and C3, are superimposed, so "5" is acquired as "total value location information." In "Application Example 2" of the present invention, as shown in Fig. 38, for example, ingredient objects indicating that at least one ingredient has been purchased corresponding to each supermarket are displayed, so "3" is acquired as "total value location information."

[0160] <Comparison reference location information storage unit (1626): Embodiment 5> The "comparison reference location information storage unit (1626)" stores "comparison reference location information," which indicates a comparison reference location that serves as a reference for comparison with the "total value location information." The "comparison reference location information" is information that serves as a comparison reference with the "total location-time information." In "Application Example 1" of the present invention, the total number of card objects, "10," is stored as the "comparison reference location information" (see FIG. 35). This is because each card object represents a location of consumption. In "Application Example 2" of the present invention, the total number of supermarkets SP, "3," is stored as the "comparison reference location information." This is because supermarkets SP are where the student purchases ingredients when planning a consumption plan for "errands," and the total number of supermarkets SP is "3." Note that the "comparison reference location information" is not limited to information compared at the final stage of the game, but may also be information compared at an intermediate stage. Furthermore, the intermediate stage may be determined by the time since the start of the game, or by the value of the "total value location information" acquired by the user since the start of the game. Various settings are possible depending on the design.

[0161] <Location comparison result information acquisition unit (1628: embodiment 5)> The "location comparison result information acquisition unit (1628)" compares the "total value location information" with the "comparison reference location information" and acquires the "location comparison result information" that is the comparison result. As a specific example, "comparing and acquiring the "amount comparison result information" that is the comparison result" means obtaining the difference between the "total value location information" and the "comparison reference location information" as the "location comparison result information." There are three ways to acquire the "location comparison result information" that compares the "total value location information" with the "comparison reference location information." These are the cases where "location comparison result information" is acquired in which the "total value location information" is greater than the "comparison location reference information," where "location comparison result information" is acquired in which the "total value location information" is smaller than the "comparison location reference information," and where "location comparison result information" is acquired in which the "total value location information" is the same as the "comparison location reference information."

[0162] In "Application Example 1" of the present invention, the "location comparison result information" obtains "5", the difference between "5" which is the "total value location information" and "10", which is the "comparison reference location information". In "Application Example 2" of the present invention, the "location comparison result information" obtains "0", the difference between "3" which is the "total value location information" and "3", which is the "comparison reference location information".

[0163] <Location comparison result information output unit (1630): Embodiment 5> The "location comparison result information output unit (1630)" outputs the acquired "location comparison result information." There are three output modes: when the "total location information" is greater than the "comparison location reference information," when the "total location information" is smaller than the "comparison location reference information," and when the "total location information" and the "comparison location reference information" are the same. The "location comparison result information" may be displayed in various ways on the display screen. For example, it may be displayed inside or outside the background information, or the display may be highlighted with a different pattern or color from the background information, or in larger letters. In addition, the information may be displayed together with an audio notification.

[0164] In "Application Example 1" of the present invention, "5 places" is displayed as "location comparison result information." In "Application Example 2" of the present invention, "0 places" is displayed as "location comparison result information."

[0165] <Hardware configuration of embodiment 5> 17 is a diagram showing the hardware configuration of embodiment 5. A CPU 170, a non-volatile memory 1710, a volatile memory 1720, an input device 1730, and an output device 1740 are connected to a bus 1715, and each component can send and receive required information to and from each other via the bus 1715.

[0166] The input device 1730 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 1740 is, for example, a liquid crystal display, an EL display, etc. In a touch panel type display, the input device 1730 and the output device 1740 are combined and integrated.

[0167] Device drivers for the input device 1730 and the output device 1740 are installed in the nonvolatile memory 1710. A group of tables such as the tables described above is also stored in the nonvolatile memory 1710, and when the CPU 1700 executes a program, the group of tables is copied to the volatile memory 1720. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 1710, and data required during the processing is stored in the volatile memory 1720.

[0168] The CPU 1700 implements the various functions of the device by loading and executing various programs in the volatile memory 1720 under the control of the OS stored in the nonvolatile memory 1710. In other words, the CPU 1700 implements the "location information acquisition rule storage program," the "total value location information acquisition program," the "comparison reference location information storage program," the "location comparison result information acquisition program," and the "location comparison result information output program" based on the configuration shown in Fig. 1, thereby implementing a "location information acquisition rule storage unit (1622)," a "total value location information acquisition unit (1624)," a "comparison reference location information storage unit (1626)," a "location comparison result information acquisition unit (1628)," and a "time comparison result information output unit (1630)."

[0169] <Processing flow of embodiment 5> The characteristic processing flow of the fifth embodiment will be described with reference to Fig. 18. First, in step S1802, a "location information acquisition rule" that is a rule for acquiring location information based on superimposed information is stored in the "location information acquisition rule storage unit (1622)". By this processing, in "Application Example 1" of the present invention, determining the position where a card object is superimposed is stored as a "location information acquisition rule". As an example of a "location information acquisition rule" in "Application Example 2" of the present invention, a rule for counting the number of supermarkets (SP1, SP2, SP3) where ingredient objects are correspondingly superimposed is stored.

[0170] Next, in step S804, the "total value location information acquisition unit (1624)" acquires "total value location information," which is information indicating the total value of the location information, based on the superimposed information and the stored "location information acquisition rule." By this process, in "Application Example 1" of the present invention, as shown in FIG. 36, the total number of positions of each of the superimposed card objects C2, C5, C6, C7, and C3, "5," is acquired. In "Application Example 2" of the present invention, as shown in FIG. 38, for example, the ingredient objects indicate that at least one ingredient has been purchased corresponding to each supermarket, so the count result "3" is obtained as the "total value location information."

[0171] Next, in step S1806, the "comparison reference location information storage unit (1626)" stores "comparison reference location information," which is information indicating a comparison reference location that serves as a basis for comparison with the "total value location information." By this process, in "Application Example 1" of the present invention, the total number of card objects, "10," is stored as "comparison reference location information." In "Application Example 2" of the present invention, the total number of supermarkets SP, "3," is stored as "comparison reference location information."

[0172] Next, in step S1108, the "location comparison result information acquisition unit (1628)" compares the "total value location information" with the "comparison reference location information" and acquires the "location comparison result information" that is the comparison result. More specifically, the difference between the "total value location information" and the "comparison reference location information" is acquired as the "location comparison result information." By this process, in "Application Example 1" of the present invention, the "location comparison result information" is acquired as the "location comparison result information," which is the difference "5" between the "total value location information" of "5" and the "comparison reference location information" of "10." In "Application Example 2" of the present invention, the difference "0" between the "total value location information" of "3" and the "comparison reference location information" of "3" is acquired as the "location comparison result information."

[0173] Then, in step S1810, the acquired "location comparison result information" is output by the "location comparison result information output unit (1630)." By this process, "five locations" is displayed as the "location comparison result information" in the "application example 1" of the present invention. In the "application example 2" of the present invention, "three locations" is displayed as the "location comparison result information."

[0174] <Effects of the fifth embodiment> When creating a consumption plan, users can develop a sense of money by taking into consideration the number of places where they will make purchases.

[0175] <<Embodiment 6: Corresponding to Claim 6>> (Summary of Sixth Embodiment) The sixth embodiment is based on any one of the first to fifth embodiments and further has the following features: The financial sense education device 1900 according to the sixth embodiment is characterized in that it displays and outputs reaction information (e.g., a message) in response to an input operation of superimposing an image of a "consumption object."

[0176] <Functional configuration of the sixth embodiment> Fig. 19 is a functional block diagram of the financial education 1200. Based on the configuration of Fig. 1, it comprises a "reaction information storage unit (1922)", a "reaction information selection unit (1924)", and a "reaction information output unit (1926)".

[0177] The "consumption object information storage unit (1902)," "background information storage unit (1904)," "background information output unit (1906)," "superimposed input reception unit (1908)," "superimposed image output unit (1910)," "consumption amount acquisition rule storage unit (1912)," "total amount information acquisition unit (1914)," "comparison reference amount information acquisition unit (1916)," "amount comparison result information acquisition unit (1918)," and "amount comparison result output unit (1920)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0178] <Reaction Information Storage Unit (1922): Embodiment 6> The "reaction information storage unit (1922)" stores "reaction information" to be output in response to the superimposition of an image of "information representing a consumable object." The "reaction information storage unit (1922)" stores, for example, a table 2000 shown in FIG. 20. The table 2000 stores and stores "consumable object IDs," "card objects," and "messages" in association with each other. Here, the "consumable object ID" is information that identifies the consumable object. The "reaction information" may be an "image for reaction information" in addition to a message. Furthermore, the "reaction information" may be audio information instead of or in addition to a display. Possible attributes indicated by the reaction information include, for example, attributes indicating emotions or situations such as "freshness," "brightness," "youth," "transparency," "coolness," "passion," "energy," "dynamism," "calmness," "success," "victory," "calmness," "nobility," "elegance," "brilliance," "solidity," "lightness," "agileness," "gentleness," "grandeur," "profundity," "motherhood," "fatherhood," "dignity," "strictness," "warmth," "kindness," "strictness," "sense of accomplishment," "satisfaction," "cleanliness," "maturity," "wandering," "stagnation," "storm," "rain," "cloudy," "sunny," "evolution," "progress," "green," "eco," "recycled," "sharp," "mild," "big," "infinite," "eternity," "peace," "security," "safety," "rich," "high speed," "carefully selected," "cute," "stylish," "cool," "strong," and "soft." The reaction information may also be information related to the selected consumption object information. This may be information indicating the attributes of the consumption object indicated by the consumption object information, or information associated with the consumption behavior of the consumption object indicated by the consumption object information. Information associated with consumption behavior may be information about the taste of food products, or information or words about the emotions felt at an attraction in the case of an attraction. It may also be words spoken by the person providing the consumption object indicated in the consumption object information. For example, it may be "Thank you for your purchase," "Sorry to keep you waiting," or "Please enjoy your stay."

[0179] In "Application Example 1" of the present invention, "Messages M1 to M10" are stored and associated with each card object as "reaction information." Specific examples of messages include "Let's continue planning our field trip!", "Is that price okay?", "Go ahead and plan your field trip!", etc.

[0180] <Reaction Information Selection Unit (1924): Embodiment 6> The "reaction information selection unit (1924)" selects the stored reaction information based on the input for superimposing at least a portion of the images of multiple types of consumable information on the output image of background information. The selection of "reaction information" can be performed at any timing: "at the start of the superimposition operation," "during the superimposition operation," or "after the superimposition operation" of the image of "consumable information." If "reaction information selection" is performed "at the start of the superimposition," in other words, when the mouse pointer is placed (or touched) on the "image of consumable information," the effectiveness of the function as guidance in planning a consumption plan is high. Furthermore, if "reaction information selection" is performed "after the superimposition operation," in other words, when the "image of consumable information" is dropped with the mouse, the trainee can take time to carefully consider planning a consumption plan, so even in this case, the educational effect of financial awareness is high.

[0181] Furthermore, when a consumer object is selected that contradicts or does not fit the educational goal being targeted in the background, advice for optimizing the selection can be selected as reaction information. If the amount of money consumed in the "consumption object information" superimposed in the first superimposition operation by the student is high, a warning message can be selected. For example, when planning a consumption plan within an allowable possession amount of "1,000 yen," if a "consumption act" that initially consumes more than half of that amount is preferably selected, a warning message such as "Is this okay from the start?" is preferably selected. In "Application Example 1" of the present invention, when a card object is superimposed on background information as an image of the "consumption object information," the "reaction information storage unit (1924)" selects a corresponding message by referring to table 2000.

[0182] <Reaction Information Output Unit (1926): Embodiment 6> The "reaction information output unit (1926)" outputs the selected "reaction information." The "reaction information" may be output by displaying the "reaction information" on a display screen. In this case, the "reaction information" may be highlighted by a flashing display that stands out to the trainee's visual acuity, or by a font or color that differs from the background image. A character object may also be displayed on the display screen, and the character object may be displayed as if it is speaking the "message" content to the trainee. The "reaction information" is not limited to being displayed, and may be spoken to the trainee by audio output. For example, in "Application Example 1" of the present invention, the selected message is displayed and output in the message display area 3630 (see FIG. 36).

[0183] <Hardware configuration of embodiment 6> 21 is a diagram showing the hardware configuration of embodiment 4. A CPU 2100, a non-volatile memory 2110, a volatile memory 2120, an input device 2130, and an output device 2140 are connected to a bus 2115, and each component can send and receive required information to and from each other via the bus 2115.

[0184] The input device 2130 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 2140 is, for example, a liquid crystal display, an EL display, etc. In a touch panel type display, the input device 2130 and the output device 2140 are combined and integrated.

[0185] Device drivers for the input device 2130 and the output device 2140 are installed in the nonvolatile memory 2110. A group of tables such as the above-mentioned tables is also stored in the nonvolatile memory 2110, and when the CPU 2100 executes a program, the group of tables is copied to the volatile memory 2120. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 2110, and data required during the processing is stored in the volatile memory 2420.

[0186] The CPU 2100 implements the functions of the device by loading various programs into the volatile memory 2120 and executing them under the control of the OS stored in the non-volatile memory 2110. In other words, the CPU 2100 implements a "reaction information storage program," a "reaction information selection program," and a "reaction information output program" based on the configuration shown in Fig. 1, thereby implementing a "reaction information storage unit (1222)," a "reaction information selection unit (1224)," and a "reaction information output unit (1226)."

[0187] <Processing flow of the sixth embodiment> The characteristic processing flow of the fifth embodiment will be described with reference to Fig. 22. First, in step S2200, the "reaction information storage unit (1222)" stores "reaction information" to be output in response to the superimposition of an image of "consumable information." This process creates a table 2000 that associates "consumer IDs," "card objects," and "messages," as shown in Fig. 20.

[0188] Next, in step S2204, the "reaction information selection unit (1224)" selects the stored "reaction information" based on the input for superimposing an image of "consumable information" on the output background information. For example, when an instruction is given to superimpose a card object on the background information as an image of "consumable information," a corresponding message is selected.

[0189] Next, in step S2206, the "reaction information output unit" outputs the selected reaction information. For example, the selected message is displayed in the message display area 3630 (see FIG. 36).

[0190] <Effects of the Sixth Embodiment> The user can enjoy creating a consumption plan for an event by viewing messages (response information) displayed in response to an input operation of superimposing an image of the "consumption object." This allows the user to view guidance when creating a consumption plan for an event.

[0191] <<Embodiment 7: Corresponding to Claim 7>> (Summary of Embodiment 7) The seventh embodiment is based on any one of the first to sixth embodiments and further has the following features: The financial sense education device 2300 of the seventh embodiment is characterized in that it accumulates "superimposed input information," which is information that associates background identification information (background ID) with consumption object identification information (consumption object ID) that has received superimposed input.

[0192] <Functional configuration of embodiment 7> 23 is a functional block diagram of the financial sense education 2300. Based on the configuration of FIG. 1, it includes a "superimposed input information storage unit (2322)."

[0193] The "consumption object information storage unit (2302)," "background information storage unit (2304)," "background information output unit (2306)," "superimposed input reception unit (2308)," "superimposed image output unit (2310)," "consumption amount acquisition rule storage unit (2312)," "total amount information acquisition unit (2314)," "comparison reference amount information acquisition unit (2316)," "amount comparison result information acquisition unit (2318)," and "amount comparison result output unit (2320)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0194] <"Superimposed input information storage unit (2322): corresponds to embodiment 7> The "superimposed input information accumulation unit (2322)" accumulates "superimposed input information," which is information that associates "background identification information (background ID)" with "consumable object identification information (consumable object ID)" that accepted the superimposed input. "Background identification information (background ID)" is information that identifies the "background." Furthermore, "consumable object identification information (consumable object ID)" is information that identifies the "consumable object." The "superimposed input information accumulation unit (2322)" accumulates "superimposed input information" that associates "background identification information (background ID)" with "consumable object identification information (consumable object ID)." In other words, "superimposed input information" that associates "background ID" with "consumable object ID" is accumulated. This accumulation can be configured to accumulate per student, or can be configured to accumulate a large amount of information for multiple students. Furthermore, the "consumable object identification information" accumulated in association with "background identification information" may be accumulated in association with time information from the start of the game. Furthermore, not only time but also time of day may be associated. Of course, the associated "consumable object identification information" may be further associated with "student identification information" that identifies the student who selected the "consumable object identification information." The following description applies to all embodiments.

[0195] That is, the "student identification information" is input at the start of the financial education game, and is stored and accumulated in association with the background identification information. The "student identification information" can be configured to be stored and accumulated in association with the student's educational history (including the "background identification information" of the student who played the financial education game; this applies to all embodiments) and their grades at the time (determined based on the grade determination rules for determining grades; this applies to all embodiments). Furthermore, it is preferable that the "student identification information" be stored in association with the student's attribute information. Attribute information includes age, gender, name, address, My Number card information, family structure, nationality, language spoken, school attended, and past schools attended. Furthermore, the "student identification information" may have a "hierarchical structure," and the "student identification information" may be configured to be grouped using this "hierarchical structure."

[0196] An example of how "superimposed input information" is stored by associating "background ID" with "consumption target ID" is table 2600 as shown in FIG. 26. Table 2600 stores "background ID," "number of times (number of times plan is created)," and "consumption target ID" in association with each other. "Superimposed input information" is constructed in table 2600.

[0197] <Hardware configuration of embodiment 7> 24 is a diagram showing the hardware configuration of embodiment 7. A CPU 2400, a non-volatile memory 2410, a volatile memory 2420, an input device 2430, and an output device 2440 are connected to a bus 2415, and each component can send and receive required information to and from each other via the bus 2415.

[0198] The input device 2430 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 2440 is, for example, a liquid crystal display, an EL display, etc. In a touch panel type display, the input device 2430 and the output device 2440 are combined and integrated.

[0199] Device drivers for the input device 2430 and the output device 2440 are installed in the nonvolatile memory 2410. A group of tables such as the above-mentioned tables is also stored in the nonvolatile memory 2410, and when the CPU 2400 executes a program, the group of tables is copied to the volatile memory 2420. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 2410, and data required during the processing is stored in the volatile memory 2420.

[0200] The CPU 2400 implements the functions of the device by loading various programs into the volatile memory 2420 and executing them under the control of the OS stored in the nonvolatile memory 2410. In other words, the CPU 2400 implements the "superimposed input information accumulation program" to implement the "superimposed input information accumulation unit (2322)" based on the configuration shown in FIG.

[0201] <Processing flow of embodiment 7> FIG. 22 is an explanatory diagram of the characteristic processing of the seventh embodiment. In step S2500, the "superimposed input information storage unit (2322)" executes the superimposed input information storage processing. This processing builds, for example, a table 2600 as shown in FIG. 26. An example stored in table 2600 shows the following: When the first "Consumption Plan Planning" for the "Outing Consumption Plan" in which an image showing a background with a background ID of "01" (B1 in FIG. 36) is displayed is completed (time "1"), the "Consumption Object ID" stored in the planned consumption plan is "002," "005," "006," "007," and "003."

[0202] The "Consumption object IDs" of "002," "005," "006," "007," and "003" correspond to "Card object C2," "Card object C5," "Card object C6," "Card object C7," and "Card object C3," respectively. In other words, this indicates that a consumption plan for a field trip has been created as shown in FIG. 36. In this way, table 2600 is constructed each time the user creates a consumption plan for "field trip," and "superimposed input information" is accumulated.

[0203] <Effects of the Seventh Embodiment> Since "superimposed input information" is accumulated in relation to the user's consumption plan, it is possible to provide better applications by, for example, using the "superimposed input information" to update the aforementioned "reaction information." In addition, vendors can obtain useful information that contributes to the development of the device.

[0204] <<Embodiment 8: Corresponding to Claim 8>> (Outline of embodiment 8) The eighth embodiment is based on any one of the first to seventh embodiments and further has the following features: The financial sense education device 2700 of the eighth embodiment is characterized in that it stores superimposed input information in association with user identification information (user ID).

[0205] <Functional configuration of embodiment 8> Fig. 27 is a functional configuration diagram of the financial sense education 2700. Based on the configuration of Fig. 1, it is equipped with a "superimposed input information storage unit (2722)" which has a "user-specific superimposed input storage means (2721)", and a "user identification information holding unit (2724)".

[0206] The "consumption object information storage unit (2702)", "background information storage unit (2704)", "background information output unit (2706)", "superimposed input reception unit (2708)", "superimposed image output unit (2710)", "consumption amount acquisition rule storage unit (2712)", "total amount information acquisition unit (2714)", "comparison reference amount information acquisition unit (2716)", "amount comparison result information acquisition unit (2718)", and "amount comparison result output unit (2720)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0207] <"User identification information storage unit (2724): corresponds to embodiment 8> The "user identification information storage unit (2724)" stores user identification information (user ID) for identifying a user. The "user identification information storage unit (2724)" stores a user ID for identifying the student. This allows information about users who have used the financial education device of the present invention to be accumulated, and this information can be used by vendors, for example, to improve the device. Note that while it is assumed that "user identification information" includes "student identification information," it may also include "educator identification information" for identifying educators and instructors who participate in the game in a teaching role. It may also be a concept that includes "family identification information" for identifying the student's family.

[0208] <"User-specific superimposed input storage means (2721): corresponds to embodiment 8> The "user-specific superimposed input storage means (2721)" is a means provided in the "superimposed input information storage unit (2722)" and stores the "superimposed input information" in association with "user identification information (user ID)." The "user identification information storage unit (2724)" and the "user-specific superimposed input storage means (2721)" newly associate the "user ID" with the "superimposed input information." By newly associating the "user ID" with the "superimposed input information," vendors, for example, can use this information to further improve the device.

[0209] The "user-specific superimposed input storage means (2721)" stores the "superimposed input information" in association with the "user identification information (user ID)," thereby creating a table 3000, such as that shown in FIG. 30. Table 3000 stores the "background ID," "number of times (number of times plan was created)," "consumption object ID," and "user ID" in association with each other. Therefore, the "background ID," "number of times plan was created," "consumption object ID," and "user ID" are treated as a set of information, and this set of information is stored each time the trainee creates a consumption plan using the financial sense education device.

[0210] <Hardware configuration of embodiment 8> 28 is a diagram showing the hardware configuration of embodiment 8. A CPU 2800, a non-volatile memory 2810, a volatile memory 2820, an input device 2830, and an output device 2840 are connected to a bus 2815, and each component can send and receive required information to and from each other via the bus 2815.

[0211] The input device 2830 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 2840 is, for example, a liquid crystal display, an EL display, etc. In a touch panel type display, the input device 2830 and the output device 2840 are combined and integrated.

[0212] Device drivers for the input device 2830 and the output device 2840 are installed in the nonvolatile memory 2810. A group of tables such as the above-mentioned tables is also stored in the nonvolatile memory 2810, and when the CPU 2800 executes a program, the group of tables is copied to the volatile memory 2820. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 2810, and data required during the processing is stored in the volatile memory 2820.

[0213] The CPU 2800 implements the functions of the device by loading various programs into the volatile memory 2820 and executing them under the control of an OS stored in the non-volatile memory 2810. In other words, the CPU 2800 implements a "user identification information storage program" and a "user-specific superimposed input storage program" based on the configuration shown in Fig. 1, thereby implementing a "user identification information storage unit (2724)" and a "superimposed input information storage unit (2322)" equipped with a "user-specific superimposed input storage means (2721)."

[0214] <Processing flow of embodiment 8> 29 is an explanatory diagram of the characteristic processing of embodiment 8. First, in step S2900, the user identification information (user ID) for identifying the user is stored by the 'user identification information storage unit (2724)'.

[0215] Then, in step S2902, the superimposed input information is stored in association with the user identification information (user ID) by the "user-specific superimposed input storage means (2721)." By the processing of steps S2900 and S2902, a table 3000 such as that shown in Fig. 30 is constructed.

[0216] An example stored in table 3000 shows the following: When the first "Consumption Plan Planning" for the "Outing Consumption Plan" is completed (its number is "1"), in which an image showing a background with a background ID of "01" (B1 in FIG. 36) is displayed, the "Consumption Object IDs" stored in the planned consumption plan are "002," "005," "006," "007," and "003," and the user who planned this consumption plan has a "User ID" of "N1."

[0217] The "Consumption Object IDs" of "002," "005," "006," "007," and "003" correspond to "Card Object C2," "Card Object C5," "Card Object C6," "Card Object C7," and "Card Object C3," respectively. In other words, this indicates that a consumption plan for a field trip has been created as shown in FIG. 36. In this way, table 2600 is constructed each time the user creates a consumption plan for "field trip," and "superimposed input information" is stored in association with the "user ID."

[0218] <Effects of the Eighth Embodiment> "Superimposed input information" that is also associated with the "user ID" is accumulated when a user creates a consumption plan, so it is possible to provide an even better application by, for example, using the "superimposed input information" to update the aforementioned "response information."

[0219] <<Embodiment 9: Corresponding to claims 9 and 10>> (Overview of embodiment 9) The ninth embodiment is based on any one of the first to eighth embodiments and further has the following features: The financial sense education device 3100 of the ninth embodiment is characterized in that it performs statistical processing on the accumulated "superimposed input information" and updates "reaction information (e.g., a message)" based on the statistical processing results.

[0220] <Functional configuration of embodiment 9> Fig. 31 is a functional configuration diagram of the financial sense education 3100. Based on the configuration of Fig. 1, it comprises a "superimposed input information statistical processing unit (3122)", a "statistical processing result output unit (3124)", and a "reaction information update unit (3126)".

[0221] The "Consumption object information storage unit (3102)", "Background information storage unit (3104)", "Background information output unit (3106)", "Superimposed input reception unit (3108)", "Superimposed image output unit (3110)", "Consumption amount acquisition rule storage unit (3112)", "Total amount information acquisition unit (3114)", "Comparison base amount information acquisition unit (3116)", "Amount comparison result information acquisition unit (3118)", and "Amount comparison result output unit (3120)" have the same functions as the units with the same names in the configuration of Figure 1, so duplicate explanations will be omitted.

[0222] <"Superimposed input information statistical processing unit (3122): corresponds to embodiment 9> The "superimposed input information statistical processing unit (3122)" performs statistical processing on the accumulated superimposed input information. There are various examples of "statistical processing of superimposed input information." For example, it may be used to calculate the number of consumption plans created using a device for each user, to calculate the number of uses for each consumption target ID, or to calculate the number of times each consumption target ID is used in one consumption plan creation in order of most (or least) used.

[0223] In Application Example 1 of the present invention, for example, the "superimposed input information statistical processing unit (3122)" executes statistical processing such as determining the "number of uses" for each "consumable object ID" stored in association with all 100 planned times when a total of "100 field trip consumption plans" have been created. This makes it possible to identify frequently used "consumable object IDs" and also to identify the least frequently used "consumable object IDs." This allows a configuration in which the card object corresponding to the least frequently used "consumable object ID" is deleted and a new card object appears in the "pickup area (a display area in which card objects are displayed so that they can be picked up)."

[0224] <"Statistical processing result output unit (3124): corresponds to embodiment 9> The "statistical processing result output unit (3124)" outputs the statistical processing result, which is the result of statistical processing. The "statistical processing result output unit (1234)" displays and outputs the statistical processing result on a display screen, for example. In addition to or instead of displaying the result, the trainee can be notified by audio information. The "statistical processing result" can also be printed out or stored in a removable memory. Note that the vendor may intentionally choose not to display and output the "statistical processing result" in order to improve the device. In this case, the "statistical processing result" can be stored, for example, in a memory inside the device in a manner that is not apparent to the trainee. The "statistical processing result" may also be sent to the vendor's server device.

[0225] In an example according to "Application Example 1" of the present invention, the "number of times used" for each "consumption object ID" is displayed. As a result, the "number of times used" for each card object used in "experience trip consumption plan planning" is displayed. However, examples of statistical processing are not limited to this.

[0226] <"Reaction information update unit (3126): corresponds to embodiment 9> The "reaction information update unit (3126)" updates the "reaction information" stored based on the output statistical processing results. The "reaction information update unit (3126)" updates the "reaction information" based on the output statistical processing results. For example, the "reaction information update unit (3126)" selects a message (reaction information) corresponding to the least frequently used card object from a "backup message" (not shown), and changes this to a message for the superimposed input of the object, thereby updating it. At this time, for example, a random number consisting of numbers from "1" to "10" may be generated, and the backup messages YM1 to YM10 may be newly updated for each of the generated random numbers "1" to "10." Another example of updating "reaction information" is that in the early stages of game design, when a "consumable object identification information" that was assumed to be a minority choice was selected, "reaction information" was prepared that raised a question such as "What, you chose that?", but if statistical processing reveals that the consumable object identified by that "consumable object identification information" is selected frequently, the "reaction information" could be updated to say "Everyone often chooses that!" It is conceivable that statistical processing could be used to grasp the behavioral tendencies of the educated person, and the reaction information could be optimized according to those behavioral tendencies.

[0227] <Hardware configuration of embodiment 9> 32 is a diagram showing the hardware configuration of embodiment 8. A CPU 3200, a non-volatile memory 3210, a volatile memory 3220, an input device 3230, and an output device 3240 are connected to a bus 3215, and each component can send and receive required information to and from each other via the bus 3215.

[0228] The input device 3230 is, for example, a mouse, a keyboard, a touch panel, etc. The output device 3240 is, for example, a liquid crystal display, an EL display, etc. A touch panel type display is an integrated device that serves as both the input device 2830 and the output device 2840.

[0229] Device drivers for the input device 3230 and the output device 3240 are installed in the nonvolatile memory 3210. A group of tables such as the above-mentioned tables is also stored in the nonvolatile memory 3210, and when the CPU 3200 executes a program, the group of tables is copied to the volatile memory 3220. Necessary data is also stored in a nonvolatile manner in the nonvolatile memory 3210, and data required during the processing is stored in the volatile memory 3220.

[0230] The CPU 3200 implements the various functions of the device by loading and executing various programs in the volatile memory 3220 under the control of an OS stored in the non-volatile memory 3210. In other words, the CPU 3200 implements the "superimposed input information statistical processing program," "statistical processing result output program," and "reaction information update program" based on the configuration shown in Fig. 1, thereby implementing the "superimposed input information statistical processing unit (3122)," "statistical processing result output unit (3124)," and "reaction information update unit (3126)."

[0231] <Processing flow of embodiment 9> Fig. 33 is an explanatory diagram of the characteristic processing of the ninth embodiment. First, in step S3300, the "superimposed input information statistical processing unit (3122)" performs statistical processing on the accumulated "superimposed input information." For example, the "superimposed input information statistical processing unit (3122)" refers to table 3000 shown in Fig. 30, and calculates the "number of uses" for each "consumption object ID" stored in association with all the times at the time when the "100-times excursion consumption plan" is planned.

[0232] Next, in step S3302, the "statistical processing result output unit (3124)" outputs the statistical processing result, which is the result of the statistical processing. The "statistical processing result output unit (3124)" displays and outputs the "number of times used" for each "consumption object ID" by, for example, referring to table 3000. As a result, the "number of times used" for each card object used in "field trip consumption plan planning" is displayed and output.

[0233] Then, in step S3304, the "reaction information update unit (3126)" updates the "reaction information" stored based on the output statistical processing results. For example, the "reaction information update unit (3126)" selects a message (reaction information) corresponding to the card object that has been used the least from the "backup message" (not shown), and changes and updates this as the message for the superimposed input of that object.

[0234] <Effects of the 9th embodiment> Statistical processing is performed on the accumulated "superimposed input information" and the message is changed and updated based on the results of the statistical processing, so that a more user-friendly message can be displayed and output.

[0235] <<Modifications>> <Variation 1: Reaction information selection unit: Use of random numbers> In this modification, when selecting a message (reaction information), the "reaction information selection unit (1924)" selects a message corresponding to a "number" generated by the "random number generation unit" instead of selecting a "message" fixedly associated with the "consumable ID." For example, the "random number generation unit" generates and outputs a random integer between "1" and "10." The "reaction information selection unit (1924)" shown in FIG. 19 selects one of "message M1" to "message M10" depending on whether the random integer between "1" and "10" is generated by the "random number generation unit" when selecting a message.

[0236] <Modification 2: Reaction Information Selection Unit: Use of Machine Learning Model> The device may be configured to prompt the trainee to input or select a follow-up response after outputting the response information. In other words, when an image representing a consumption object is superimposed on an image represented by background information, the device detects the position or area where the image is superimposed and outputs the response information as audio, an image, video, or the like. The device is also configured to accept the trainee's follow-up response to the output. For example, these may be called a follow-up response input unit or a follow-up response selection unit. The follow-up response may be input as free-form text information or may be selected, and the follow-up response is evaluated. For example, a follow-up response evaluation unit may be provided. One evaluation performed by the follow-up response evaluation unit is a numerical evaluation of whether the response of the monetary sense education device was appropriate for the trainee. This numerical evaluation is performed by storing a follow-up response evaluation rule in a follow-up response evaluation rule storage unit, which uses the rule to evaluate the trainee's follow-up response. Based on the evaluation results, the device determines whether the response information selected by the monetary sense education device was appropriate for the act of superimposing the image represented by the consumption object information, and performs machine learning to achieve a more appropriate judgment. The machine learning unit may be provided. <Variation 2: Use of machine learning model: Reaction input section> The "reaction input unit" acquires the trainee's reaction to the output of the reaction information as the reaction information. One example of the reaction input unit is to acquire the voice of the trainee using a microphone. From the acquired voice, the trainee's emotions may be determined based on whether they are excited, unresponsive, or critical, such as "why." Alternatively, icons may be displayed, such as an "angry face," a "crying face," a "smiling face," or a "why" face, and the trainee may be allowed to select one.

[0237] <Modification 2: Use of Machine Learning Model: Reaction Evaluation Rule Storage Unit> 'Reaction evaluation rule storage unit': This stores the reaction evaluation rules, which are rules for determining whether the output reaction information is appropriate based on the reaction information of the trainee. The "reaction evaluation rule" is a rule for determining whether the emotion felt by the trainee in response to the message, which is reaction information, was appropriate. As an example, it can be associated with reaction information and the emotion of the trainee obtained as reaction information can be classified into a correct reaction, a not wrong reaction, and an incorrect reaction. For example, if "excited" is classified as an expected reaction, a laughing reaction such as "smile" is classified as not wrong, but reactions such as "crying" or "anger" are classified as wrong. The re-reaction evaluation rule storage unit stores the re-reaction evaluation rule described above in a non-volatile memory.

[0238] <Variation 2: Use of Machine Learning Model: Reaction Evaluation Unit> The "re-reaction evaluation unit" evaluates whether the reaction information was appropriate based on the reaction information and the re-reaction information, in accordance with the re-reaction evaluation rules, and outputs the evaluation result to the reaction information selection unit. The re-reaction evaluation unit acquires a numerical value corresponding to the evaluation value of the re-reaction based on the reaction information from the re-reaction evaluation rule storage unit, and outputs the evaluation value corresponding to the acquired re-reaction information to the reaction information selection unit.

[0239] As mentioned above, when the trainee's responses to messages output as reaction information are fed back to the reaction information selection unit, which is configured as a machine learning model, the machine learning model will select reaction information with a high evaluation value. This means that even when a message is added as reaction information, the model will gradually change so that appropriate reaction information is selected without the need for any special procedures.

[0240] FIG. 34 is a block diagram showing an example of a reaction information selection unit configured as a machine learning model, and showing the functional configuration including peripheral parts. It is composed of a reaction information selection unit 3401 configured with a machine learning model, a re-reaction input unit 3402, a re-reaction evaluation unit 3403, and a re-reaction evaluation rule storage unit 3404. In response to the input of superimposed input information (C1 to C10), the reaction information selection unit 3401 displays messages (M1 to M10) that are estimated to be optimal and learned through machine learning as reaction information. The reaction shown by the trainee based on the reaction information is acquired by the re-reaction input unit as re-reaction information. The re-reaction evaluation unit acquires a re-reaction evaluation rule corresponding to the reaction information from the re-reaction evaluation rule storage unit, and outputs an evaluation value corresponding to the re-reaction information acquired from the re-reaction input unit to the reaction information selection unit. The reaction information acquisition unit performs machine learning based on the acquired evaluation value.

[0241] <Modification 2: Effect> As described above, according to variant 2, machine learning is used to change the response message depending on the student's reaction, so the conversation changes to suit the student. Furthermore, each piece of reaction information M1 to M10 in FIG. 34 is not limited to one message. It may have multiple messages with the same meaning but different wordings. When a message group is selected by machine learning, a message may be selected randomly from the message group, or the most suitable message may be selected from the message group by machine learning. By configuring it in this way, even messages with the same meaning will be worded differently each time, giving the user the feeling of actually having a conversation.

[0242] <<Explanation of "Application Example 1">> Taking into consideration the above-described embodiments, the "Planning a Consumption Plan for a Field Trip" will be described again with reference to FIG. 36. The "background information output unit (0106)" displays and outputs an image (B1) showing a background. The "superimposition input receiving unit (0108)" receives a user's input operation for superimposition display, and the received result is displayed and output by the "superimposition image output unit (0110)." The "superimposition image output unit (0110)" superimposes card objects on the image (B1) showing a background and displays and outputs them. FIG. 36 shows an example of the superimposition output, in which card objects C2, C5, C6, C7, and C3 are superimposed and displayed on the image (B1) showing a background. Each card object is an example image of the "consumption object information" stored in the "consumption object information storage unit (0102)."

[0243] The "total amount information acquisition unit (0114)" acquires "total amount information," which is the sum of the "consumption amounts" represented by each card object C2, C5, C6, C7, and C3. The "amount comparison result information acquisition unit (0118)" compares the acquired "total amount information" with "comparison reference amount information," which is information indicating the "allowable amount for an excursion," and acquires information indicating the difference as "amount comparison result information." The "amount comparison information output unit (0120)" displays and outputs "change information (amount comparison result information) 3610" as the "amount comparison result information." Furthermore, the "consumption amount" of the card object is displayed at the position corresponding to the card object (M1, M2, M3, M5). Furthermore, since the "consumption amount" is displayed at the bottom of each card object, a "consumption amount acquisition rule" for acquiring this "consumption amount" is stored in the "consumption amount acquisition rule storage unit (0112)."

[0244] Furthermore, the "total value time information acquisition unit (0924)" acquires "total value time information," which is the sum of the "time information" represented by each card object C2, C5, C6, C7, and C3. The "time comparison result information acquisition unit (0928)" compares the acquired "total time information" with "comparison reference time information," which is information indicating the allowable time in the "excursion consumption plan," and acquires "time comparison result information," which is information indicating the difference. The "time comparison result information output unit (0930)" outputs the acquired "time comparison result information." The "time information acquisition rule" stored in the "time information acquisition rule storage unit (0922)" is a rule that acquires "time information" represented by "hours" and "minutes" represented by card objects. Furthermore, the elapsed time from the start time is advanced by the "time information" represented by each card object, and the advanced time information is displayed schematically by a "clock object" below the superimposed position of each card object, thereby representing the time information (3620).

[0245] Furthermore, the "total value location information acquisition unit (1624)" acquires the total number of superimposed positions of each card object C2, C5, C6, C7, and C3 as "total value location information." The "location comparison result information acquisition unit (1628)" compares the acquired "total value location information" with "comparison reference location information," which is information indicating the total number of card objects ("10"), and acquires "location comparison result information" indicating the difference, or "number of locations." The "location comparison result information output unit (1630)" displays and outputs the acquired "location comparison result information" (not shown). Furthermore, each time a card object is superimposed, a corresponding message (reaction information) is displayed in the message display area 1730. Note that each card object is displayed around an image (B1) indicating the background, allowing for superimposed input operations.

[0246] <<Explanation of "Application Example 2">> Taking into consideration the above-described embodiments, the "Consumption plan creation for errands" will be described again with reference to FIG. 38. The "background information output unit (0106)" displays an image (B2) showing the background. The "superimposition input receiving unit (0108)" receives a user's input operation for superimposition display, and the received result is displayed and output by the "superimposition image output unit (0110)." The "superimposition image output unit (0110)" displays and outputs ingredient objects of purchased ingredients superimposed on the image (B2) showing the background. FIG. 19 shows an example of superimposition output, in which ingredient objects G1 to G5 representing ingredients purchased at each supermarket SP1, SP2, and SP3 are superimposed and displayed in correspondence with the supermarket SP where the ingredients were purchased. The "total value information acquisition unit (0114)" acquires "total value information," which is information showing the sum of the "consumption amounts" associated with each ingredient object G1 to G5. In addition, considering that the "amount spent" of the same ingredient may differ depending on the supermarket SP where it is purchased, a table relating each ingredient to the amount spent for that ingredient may be prepared in advance for each supermarket.

[0247] The "amount comparison result information acquisition unit (0118)" compares the acquired "total amount information" with "comparison reference amount information," which is information indicating the "allowable amount at the time of purchase," and acquires information indicating the difference as "amount comparison result information." The "amount comparison information output unit (0120)" displays and outputs "change information 3810" as "amount comparison result information." Each ingredient object is an example image of "consumption object information" stored in the "consumption object information storage unit (0102)." In addition, the "consumption amount" at each supermarket SP is displayed at a position corresponding to that supermarket SP (M6, M7, M8). In addition, flyer objects (T1, T2, T3 in Figure 39A) showing flyers distributed at each supermarket SP1, SP2, SP3 are displayed in the background image (B2). Furthermore, when a supermarket (SP1 to SP3) representing the supermarket SP is clicked with an input device such as a mouse, the corresponding flyer object (T1, T2, T3 in FIG. 39A) may be displayed.

[0248] Furthermore, the "total value time information acquisition unit (0924)" acquires "total value time information," which is information indicating the sum of "time information" stored in a non-volatile manner in memory for "route (1), route (2), and route (3)" used during "errands." The "time comparison result information acquisition unit (0928)" compares the acquired "total value time information" with "comparison reference time information," which is information indicating the allowable time in the "errand consumption plan," and acquires "time comparison result information," which is information indicating the difference. The "time comparison result information output unit (0930)" displays and outputs the acquired "time comparison result information." Furthermore, the "time information acquisition rule" stored in the "time information acquisition rule storage unit (0922)" is a rule that searches for and acquires "time information" stored in a non-volatile manner in memory for each of all routes used during "errands." In addition, the elapsed time from the start time is advanced by only the "total value time information," and the advanced time information is displayed schematically by a "clock object" on the right side of the image (B2) showing the background, representing the passage of time (3820).

[0249] Furthermore, the "total value location information acquisition unit (1624)" acquires information indicating the total number of location information of supermarkets SP where ingredients were purchased as "total value location information." The "location comparison result information acquisition unit (1628)" compares the acquired "total value location information" with "comparison reference location information," which is information indicating the total number of supermarkets ("3"), and acquires information indicating the difference as "location comparison result information." The "location comparison result information output unit (1630)" displays and outputs the acquired "location comparison result information" (not shown). Furthermore, each time an ingredient object is superimposed, a corresponding message (reaction information) may be displayed in a message display area (not shown). Each ingredient object is displayed around an image (B2) indicating the background, allowing for superimposition input operations.

[0250] <<Summary of effects>> According to "Embodiments 1 to 9," the user can visually plan how to use multiple types of consumption items for a certain event within the range of the possessed money information, and if the "change information" is "negative," the user is prompted to plan the consumption plan again, thereby educating the user on financial sense. Furthermore, by displaying time information, the user can develop a financial sense that takes time into account when planning the consumption plan.

[0251] Furthermore, by displaying location information, users can plan consumption plans for a certain event by reducing the number of available locations and determining how to use multiple types of consumption objects. This allows users to develop a sense of money by taking the number of consumption locations into consideration when planning consumption plans. Furthermore, messages (response information) are displayed in response to superimposed input operations on images of "consumption objects," allowing users to enjoy planning consumption plans while receiving guidance. Each time a message is displayed, "superimposed input information" is accumulated, and statistical processing is performed on the accumulated "superimposed input information," changing and updating messages based on the results of the statistical processing, resulting in more user-friendly message display and output.

[0252] As described above, by combining the various embodiments of the present invention, it is possible to realize a financial sense education device, method, and program for children that teaches them a financial sense that is suited to real life.

[0253] Although preferred embodiments of the present invention have been described above, the present invention is not limited to these embodiments and various modifications and variations are possible within the spirit and scope of the present invention. The present invention can also provide a non-transitory recording medium on which a program is recorded. Examples of recording media for recording a program include semiconductor devices such as ROMs, optical devices such as CDs and DVDs, and magnetic devices such as magnetic disks. The type of recording medium is not important as long as the program is stored in the recording medium and can be executed on a computer by reading the stored program with a reading means. Furthermore, one or more functions of the present invention can be realized by hardware such as an ASIC. [Explanation of symbols]

[0254] 0102 Consumption target information storage unit 0104 Background Holder 0106 Background information output section 0105 Time information and background information holding means 0108 Superimposed input reception unit 0110 Superimposed image output unit 0112 Consumption amount acquisition rule storage unit 0114 Total amount information acquisition unit 0116 Comparison standard amount information acquisition unit 0118 Amount comparison result information acquisition unit 0120 Amount comparison result information output section< / cpu>

Claims

1. Consumable object identification information for identifying the consumable object and an image representing the consumable object (not limited to a still image, but may be a video; the same applies below). a consumption object information storage unit that stores consumption object information that associates the above with the consumption object information; a background information storage unit that stores background information that associates background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output unit that outputs an image of the stored background information; a superimposition input receiving unit that receives input for superimposing at least a part of the image of the plurality of types of consumable information on the output image of the background information; a superimposed image output unit that outputs a superimposed image representing the consumable object received by the superimposed input receiving unit; a consumption amount acquisition rule storage unit that stores consumption amount acquisition rules, which are rules for acquiring a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition unit that acquires total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information storage unit that stores comparison reference amount information, which is information indicating a comparison reference amount that serves as a standard for comparison with the total amount information; an amount comparison result information acquisition unit that compares the total amount information with the comparison reference amount information and acquires amount comparison result information that is the comparison result; A money sense education device having an amount comparison result information output unit that outputs the acquired amount comparison result information.

2. 2. The financial education device according to claim 1, wherein the background information storage unit includes time-information-attached background information storage means for storing time-information-attached background information including time information as background information.

3. a time information acquisition rule storage unit that stores time information acquisition rules, which are rules for acquiring time information based on an image representing a consumable object that is superimposed; a total value time information acquisition unit that acquires total value time information, which is information indicating a total value of time information, based on an image representing a consumable object that is superimposed and a stored time information acquisition rule; a comparison reference time information storage unit that stores comparison reference time information, which is information indicating a comparison reference time that serves as a reference for comparison with the total value time information; a time comparison result information acquisition unit that compares the total value time information with the comparison reference time information and acquires time comparison result information that is the comparison result; 3. The financial sense education device according to claim 2, further comprising: a time comparison result information output unit that outputs the acquired time comparison result information.

4. 4. The financial education device according to claim 1, wherein the background information storage unit includes location-information-attached background information storage means for storing location-attached background information including location information as background information.

5. a location information acquisition rule storage unit that stores location information acquisition rules, which are rules for acquiring location information based on an image representing a consumable object that is superimposed; a total value location information acquisition unit that acquires total value location information, which is information indicating a total value of location information, based on an image representing a consumable object that is superimposed and the stored location information acquisition rule; a comparison reference location information storage unit that stores comparison reference location information, which is information indicating a comparison reference location that serves as a standard for comparison with the total value location information; a location comparison result information acquisition unit that compares the total value location information with the comparison reference location information and acquires location comparison result information that is the comparison result; 5. The financial sense education device according to claim 4, further comprising: a location comparison result information output unit that outputs the acquired location comparison result information.

6. a reaction information storage unit that stores reaction information to be output in response to the superimposition of an image representing a consumable object; a reaction information selection unit that selects reaction information stored based on an input for superimposing at least a portion of the image of the plurality of types of consumable information on the output image of the background information; 6. The financial sense education device according to claim 1, further comprising a reaction information output unit that outputs the selected reaction information.

7. A financial sense education device as described in any one of claims 1 to 6, further comprising an overlay input information storage unit that stores overlay input information, which is information that associates background identification information with consumption object identification information that has received overlay input.

8. A financial sense education device as described in claim 7, which has a user identification information storage unit that stores user identification information that identifies a user, and the superimposed input information storage unit has a user-specific superimposed input storage means that stores superimposed input information in association with the user identification information.

9. a superimposed input information statistical processing unit that performs statistical processing on the accumulated superimposed input information; 9. The financial sense education device according to claim 7, further comprising: a statistical processing result output unit that outputs a statistical processing result that is a result of the statistical processing.

10. 10. The financial sense education device according to claim 9, further comprising a reaction information updating unit that updates the reaction information stored based on the output statistical processing results.

11. Consumable object identification information for identifying the consumable object and an image representing the consumable object (not limited to a still image, but may be a video; the same applies below). a consumption object information holding step for holding consumption object information that is information relating the above; a background information holding step of holding background information that is information associating background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output step of outputting an image of the held background information; a superimposition input receiving step of receiving an input for superimposing at least a part of the images of the plurality of types of consumable information on the output image of the background information; a superimposed image output step of outputting a superimposed image representing the consumable object received in the superimposed input receiving step; a consumption amount acquisition rule holding step for holding consumption amount acquisition rules, which are rules for obtaining a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition step of acquiring total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information holding step for holding comparison reference amount information, which is information indicating a comparison reference amount that serves as a basis for comparison with the total amount information; an amount comparison result information acquisition step of comparing the total amount information with the comparison reference amount information and acquiring amount comparison result information which is the comparison result; and an amount comparison result information output step of outputting the acquired amount comparison result information, wherein each step is executed by a computer.

12. Consumable object identification information for identifying the consumable object and an image representing the consumable object (not limited to a still image, but may be a video; the same applies below). a consumption object information holding step for holding consumption object information that is information relating the above; a background information holding step of holding background information that is information associating background identification information that identifies a background in which the consumable object is consumed with an image that represents the background; a background information output step of outputting an image of the held background information; a superimposition input receiving step of receiving an input for superimposing at least a part of the images of the plurality of types of consumable information on the output image of the background information; a superimposed image output step of outputting a superimposed image representing the consumable object received in the superimposed input receiving step; a consumption amount acquisition rule holding step for holding consumption amount acquisition rules, which are rules for obtaining a consumption amount based on an image representing a consumption object that is superimposed; a total amount information acquisition step of acquiring total amount information indicating the total amount of consumption based on the superimposed image representing the consumption object and the stored consumption amount acquisition rule; a comparison reference amount information holding step for holding comparison reference amount information, which is information indicating a comparison reference amount that serves as a basis for comparison with the total amount information; an amount comparison result information acquisition step of comparing the total amount information with the comparison reference amount information and acquiring amount comparison result information which is the comparison result; and an amount comparison result information output step of outputting the acquired amount comparison result information.

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