JP2018055453A - Income and expenditure management system, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an income and expenditure management system, a method, and a program with a function to promote communication between them, those allow both parents and children to use.SOLUTION: The income and expenditure management system comprises means for storing income and expenditure data received from a first terminal, where the income and expenditure data is associated with a first user, means for generating unconfirmed savings data in response to receiving data from the first terminal, means for sending unconfirmed savings data to a second terminal in response to a request from the second terminal associated with a second user, means for receiving a first signal from the second terminal indicating that unconfirmed savings data has been approved by the second user, where the approved savings data indicates the transfer of money between the first user and the second user, and means for generating the income and expenditure data corresponding to savings data in response to receiving the first signal, where the generated income and expenditure data is not based on an input of the first user but is automatically generated by the income and expenditure management system.SELECTED DRAWING: Figure 8

Description

  The present invention relates to a balance management system, method, and program that can be used jointly by parents and children. More specifically, the present invention relates to a balance management system, method, and program that can be used jointly by a parent and child, with a function for promoting communication between the parent and child.

  In recent years, children's financial literacy for children to become a member of a responsible society in the future, to learn about occupations, how to use and increase money, and to have a broad knowledge of finance and economy. Education is becoming popular. For example, the efforts of money and career education, in which schools and PTAs are the main actors and think about money and work together with parents and children, are becoming popular. Financial institutions also conduct financial and economic education for children by conducting workplace tours and seminars at banks and securities companies.

  As a tool corresponding to the household account book used by adults, "pocket money book" is known as a tool for children to manage their money. Traditionally, as a pocket money book, it was known to record the money that you earned (for example, monthly pocket money) and the money you used in notebooks, but in recent years, with the spread of smartphones and tablet terminals, etc. An application for a pocket money book (which may be abbreviated as “app” in this specification) has come to be used. For this reason, in recent years, a household account book application (Patent Document 1) has been used for adults, and a pocket money application has been used for children.

  In such household account book application and pocket money app, the user records daily balance, so that the usage status for each expense item (category) is displayed in a table or graph format, or the total balance of multiple months Many of them are known to provide a function of comparing or displaying an available amount.

JP, 2006-042236, A

  However, the household account book application as shown in Patent Document 1 is limited to the user himself and has not been provided with a function that cooperates with others. The same is true for the pocket money app, which was basically used on its own.

  For financial literacy education for children, for example, it is important to learn while having fun together with parents and children, but conventional pocket money apps do not provide such functions. Only what is known about entering money balances and using some display features was known.

  The present invention has been made to solve such problems, and provides a balance management system, method, and program that can be used jointly by parents and children, with a function for promoting communication between parents and children. For the purpose.

  The balance management system according to one aspect of the present invention is means for storing balance data received from a first terminal, wherein the balance data is associated with a first user; In response to receiving data from one terminal, means for generating unconfirmed savings data, and in response to a request from the second terminal associated with the second user, the unconfirmed savings data Means for transmitting to the second terminal and means for receiving from the second terminal a first signal indicating that the unconfirmed savings data has been approved by the second user; The savings data corresponds to the savings data in response to receiving means and means for indicating money transfer performed between the first user and the second user. To generate the balance data And means for, generated the balance data is not based on the input of the first user, based on the automatically generated by the budget management system comprises means.

  The balance management system according to one aspect of the present invention is means for storing balance data received from a first terminal, wherein the balance data is associated with a first user; Means for generating unapproved help data in response to receiving data from one terminal, and said unapproved help in response to a request from a second terminal associated with a second user. Means for transmitting data to the second terminal and means for receiving a first signal from the second terminal indicating payment for the unapproved help data, the approved help data Is a payment data corresponding to the assistance data in response to receiving the first signal and means based on a pre-determined action between the first user and the second user. The means for generating the balance data, wherein the payment data indicates a transfer of money from the second user to the first user, and the generated balance data is the first user's balance data. Means based on automatic generation by the balance management system, not based on input.

  According to the present invention, it is possible to provide a balance management system, method, and program useful for financial literacy education for children through communication between parents and children.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.
It is a block diagram of the whole system containing the system which concerns on this invention. 1 is a system configuration diagram of a system according to the present invention. It is a figure which shows an example of the user master which concerns on this invention. It is a figure which shows an example of the balance data concerning this invention. It is a figure which shows an example of the savings data which concern on this invention. It is a figure which shows an example of the assistance data which concern on this invention. It is a screen example of the pocketbook function of the pocketbook app according to the present invention. It is an example of a screen of the savings function of the pocket money app according to the present invention. It is an example of a screen of a help function of the pocket money app according to the present invention. It is a figure which shows an example of the calendar screen 1000 used with the pocket money application which concerns on this invention.

(overall structure)
FIG. 1 is a configuration diagram of the entire system including a system 100 according to the present invention. In the present specification, the system 100 will be described as a system controlled by a financial institution such as a bank or a credit card company for convenience of explanation, but the present invention is not limited to this embodiment. It should be understood that other embodiments of the present invention may be controlled by an operating entity other than a financial institution.

  The system 100 is a system controlled by the financial institution 1 and can be communicably connected to the first terminal 110 and the second terminal 120 via the network 130. The system 100 can cause the first terminal 110 and the second terminal 120 to download a pocket money app, which will be described later in this specification, and various functions of the pocket money app may be downloaded to the first terminal 110 and the second terminal 120. The process executed above can be performed, and various data used in the pocket money app can be stored. The first terminal 110 and the second terminal 120 are terminals used by users (for example, a parent and one or a plurality of children) who use the pocket money app according to the present invention. The network 130 may be a known network capable of mutual communication, and includes, for example, the Internet, a cellular network, a wireless LAN, and the like. The network 130 is not particularly limited as long as it can communicate between the system 100 and the first terminal 110 and the second terminal 120.

  The first terminal 110 and the second terminal 120 can download and use an application such as a pocket money app from the system 100, can be used as a tablet terminal, a smartphone, or any other operable in a wired or wireless environment. Type of device. In one embodiment of the present invention, a parent and child downloads a pocket money app to the first terminal 110 and the second terminal 120, the child uses the first terminal 110, and the parent uses the second terminal 120. However, the same terminal 110 may be shared with the parent and child. In this specification, only two devices, the first terminal 110 and the second terminal 120, are shown for convenience of explanation, but it should be understood that the number of devices increases according to the number of users.

(System configuration)
FIG. 2 is a system configuration diagram of the system 100 according to the present invention. As shown in FIG. 2, the system 100 includes a control unit 201, a main storage unit 202, an auxiliary storage unit 203, an interface (IF) unit 204, and outputs that are connected to each other via a bus 220, as in a general computer. A unit 205 can be provided. The system 100 can also include a user master 206, balance data 207, savings data 208, help data 209, and setting data 210.

  The control unit 201 is also called a central processing unit (CPU), controls each component in the system 100 and calculates data, and stores various programs stored in the auxiliary storage unit 203 in the main storage unit 202. It can be read and executed. The main storage unit 202 is also called a main memory, and can store various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device typified by a hard disk (HDD) and is used when data and programs are stored for a long period of time.

  In the embodiment of FIG. 2, an embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided in the same server computer will be described. However, as another embodiment, the system 100 includes a control unit 201, a main storage unit, By using a plurality of storage units 202 and auxiliary storage units 203, parallel distributed processing by a plurality of server computers can be realized. As another embodiment, a plurality of servers for the system 100 may be installed, and a plurality of servers may share one auxiliary storage unit 203.

  The IF unit 204 serves as an interface for transmitting and receiving data to and from other systems and devices, and provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. Can do. The output unit 205 can provide a display screen for displaying the processed data, a printing unit for printing the data, and the like.

  The user master 206 is a master table that stores information on parents and children who are users of the pocket money app according to the present invention. FIG. 3 shows an example of the user master 206 according to the present invention. The user master 206 can include a user ID 301, a password (PW) 302, a user name 303, a parent-child classification 304, a parent ID 305, a balance 306, and a savings balance 307, but is not limited to these data items. Data items such as address, contact telephone number, email address, date of birth, age, gender, etc. can also be configured.

  The user ID 301 is an identifier for identifying a person who uses the pocket money app according to the present invention. A password (PW) 302 is an authentication password used when the user logs in to the pocket money application. The user name 303 indicates the user name of the user, and the parent-child classification 304 indicates whether the user is a parent or a child. The parent ID 305 is a data item for designating the parent user ID 301 when the user is a child. By setting information in the parent ID 305, a parent-child relationship can be registered. The balance 306 indicates the total amount of pocket money held by itself, and the savings balance 307 indicates the total amount deposited with the parent. The balance 306 indicates the current balance of the pocket money, and is described in a “pocket pocket book function” described later. The saving balance 307 indicates the current savings balance, and is described in the “savings function” described later.

  The balance data 207 can store balance data based on the data received from the user and balance data automatically generated by the system 100, and can also store information on the reflection evaluation between the parent and the child regarding the input contents. It is a data file. The pocket money app according to the present invention can provide a function for inputting the balance, which is the usage status of pocket money, and the balance data 207 is data used when using the pocket book function. is there. FIG. 4 shows an example of the balance data 207 according to the present invention. The balance data 207 can include a user ID 301, a date 401, a sequence number 402, an item 403, an amount 404, and an evaluation flag 405, but is not limited to these data items, and includes other data items. It can be configured as follows. For example, the system 100 may be configured to improve the response speed when the parent user accesses data by including the parent ID 305 in the balance data 207.

  The date 401 indicates the date when the balance occurred, and the sequence number 402 indicates the sequence number assigned when a plurality of balances occur on the same date. The item 403 stores data indicating the contents of the income and expenditure, such as “○ monthly allowance for money”, “buy sweets”. The amount 404 indicates amount information corresponding to the content input in the item 403. The evaluation flag 405 can store information on the result of the reflection between the parent and child with respect to the balance contents. In one embodiment of the present invention, the information of the look-back result can be a predetermined message (for example, “I was very good”, “I was good”, “Let's do my best”). In another embodiment of the present invention, marks such as ◎, ○, and Δ can be set. A predetermined message and / or mark can be registered and used in the system 100, or a message and / or mark determined through discussion between the parent and child can be registered in the system 100. It can be used, and the number of each message can be counted for a certain period.

  The savings data 208 can store data when a child deposits his / her pocket money with a parent or withdraws money deposited with the parent. The pocket money app according to the present invention can provide a function for educating the fun of savings and operation, and savings data 208 is data used when using the savings function. FIG. 5 shows an example of the savings data 208 according to the present invention. The savings data 208 can include a user ID 301, a date 501, a sequence number 502, an item 503, an amount 504, and a parent confirmation flag 505, but is not limited to these data items, and other data items Can also be configured to include.

  The date 501 indicates the date when savings and withdrawals occur, and the sequence number 502 indicates a sequence number assigned when a plurality of savings and withdrawals occur on the same date. The item 503 indicates an action such as saving or withdrawal, and the amount 504 indicates amount information corresponding to the content input in the item 503. The parent confirmation flag 505 is a flag that is input through the pocket money app according to the present invention when the parent actually receives money from the child. The savings data that has not been confirmed by the parent is treated as valid data. I will not. In addition, the parent confirmation flag 505 is used as a flag indicating whether or not the parent has been approved even when the child withdraws money from the parent.

  The help data 209 is a help function provided by the pocket money app according to the present invention in which the child can get a discount when the child applies to the parent for the contents of the help actually performed (for example, washing dishes, shopping, cleaning). Data used. FIG. 6 shows an example of help data 209 according to the present invention. The help data 209 can include a user ID 301, a date 601, a sequence number 602, a content 603, an amount 604, and an approval flag 605, but is not limited to these data items and includes other data items. It can be configured as follows.

  The date 601 indicates the date of assistance, and the sequence number 602 indicates a sequence number assigned when a plurality of assistances are performed on the same date. The content 603 indicates the content of help set in advance, and the amount 604 indicates the amount set corresponding to the help (0 yen can also be set). The approval flag 605 is a flag that indicates whether or not the parent has approved the payment of the helper's fee paid by the child. Regarding the contents 603, a table like Table 1 can be set in advance. "Help contents" registered in advance in the table can be set arbitrarily. For example, bath cleaning, cooking, use, pet care, littering, taking care of siblings, front door shoe arrangement -Shoe polish, post check, etc. may be included. In the table in Table 1, by setting an arbitrary amount (0 yen is acceptable) for the contents of each help, it is possible to support the fun of helping and educate how to make money. .

  The setting data 210 is a database that can store various setting data according to the present invention. In one embodiment of the present invention, the setting data 210 may include wallpaper and user icon (character) data displayed on the screens illustrated in FIGS. Further, in another embodiment of the present invention, for example, the setting data 210 can hold schedule data, can set a day on which a child can receive pocket money, or can be used for future expenses. A schedule (for example, a birthday gift for a friend is scheduled to be spent on the month of the month of the month) can be set.

  Below, the main functions provided by the pocket money app according to the present invention, that is, the pocket money book function, the saving function, the help function, and the calendar function will be described.

(Pocket money book function)
The pocket money book function is a function for children to learn how to spend money in a planned manner by managing the balance of the pocket money, allowing them to enter the balance of the pocket money and refer to the input contents in a list It is a function that can be.

  FIGS. 7A and 7B are screen examples of the pocketbook function of the pocketbook app according to the present invention. FIG. 7A shows a recording screen 700 that is used when a child receives or uses money. FIG. 7B shows data input through the recording screen 700 and automatically generated by the system 100. It is the log | history screen 710 which displays data. The recording screen 700 can include a deposit / withdrawal category 701, a date 702, an amount 703, an item 704, and a balance 705. In FIG. 7A, a numeric input function 706 that can be used in a smartphone, a tablet terminal, or the like may be displayed. The deposit / withdrawal category 701 indicates whether the input content is deposit (that is, the child receives money from another person) or withdrawal (that is, the child pays money to the other person). A date 702 indicates a date when deposit / withdrawal was performed. The date to be operated is initially displayed as the date 702, but the date can be changed with a dial associated with the date 702. An amount 703 indicates an actual deposit / withdrawal amount. The item 704 is a data item indicating the contents of deposit / withdrawal. The balance 705 indicates the total amount of pocket money held by itself.

  FIG. 7A shows an example in which “payment” is selected, and that 500 yen pocket money is received on September 1, 2016. The balance 705 displays the content of the balance 306 as an initial display, but may be calculated immediately after the amount 703 is input, or the confirmation button displayed in FIG. 7A is pressed. It may be calculated at the timing. When the confirm button is pressed, the input content is recorded in the balance data 207 illustrated in FIG. 4, and the balance 705 after calculation is recorded in the balance 306 of the user master 206 illustrated in FIG.

  The history screen 710 can include a detail column 711, a summary display column 712, and a switch button 713. In the detail column 711, the data of the target date of the logged-in user among the data of the balance data 207 is read by the system 100 and displayed. The summary display column 712 displays a positive amount (that is, a deposit amount) of the data displayed in the detail column 711 on the income meter, and displays a negative amount (that is, a withdrawal amount) on the expenditure meter. As for the balance, the value of the balance 306 in the user master 206 is read by the system 100 and displayed. The switch button 713 is a button used when displaying data of the previous month or the next month. When the previous month or the next month is selected by the switch button 713, the system 100 reads the balance data 207 of the selected year and month, displays it in the detail column 711, reads the balance 306, and displays it in the balance in the summary display column 712. To do. The total income and expenditure total in the summary display column 712 are calculated and displayed in response to the display of the detail column 711.

  The “evaluation” in the detail column 711 can display the evaluation contents that the parent and child looked back on the money usage status. The history screen 710 may be configured so that the evaluation flag 405 can be registered when logging in with the parent ID. As illustrated in FIG. 7B, the evaluation can be registered with a mark.

  In the above-described embodiment, the system 100 is configured to automatically calculate the balance 705, but may be configured so that the child himself / herself inputs the balance 705. In such a case, if the balance value calculated by the system 100 and the numerical value input by the child match, data registration is performed, and if the numerical value does not match, the child is recalculated and a message prompting input is displayed. System 100 may be configured.

(Savings function)
The saving function is a function for learning the enjoyment of depositing and managing, and is a function that allows a parent to look at a bank and deposit and withdraw money like a bank. In this specification, “save” and “deposit” are used as terms having the same meaning. In the embodiment of the present invention, in the case of savings, the child does not input to the pocket money app, and only the parent can input. It can also be set as the embodiment which inputs to. In one embodiment of the present invention, an interest rate setting function may be added after consultation between a parent and a child, and a certain interest may be added to money deposited by the child. Further, in a further embodiment of the present invention, not only the Japanese yen but also a predetermined foreign currency (for example, US dollar) may be changed and deposited with the parent (the exchange rate is determined in a predetermined cycle (for example, It is possible to download information from an external site once a day).

  8A and 8B are screen examples of the saving function of the pocket money app according to the present invention. FIG. 8A shows an application screen 800 used when a child deposits money with a parent or returns money deposited with a parent, and FIG. 8B shows an approval used only by the parent. It is a screen 810. The application screen 800 can include a savings / withdrawal category 801, a date 802 and an amount 803. In FIG. 8A, a numeric input function 804 that can be used in a smartphone, a tablet terminal, or the like may be displayed. The savings / withdrawal category 801 indicates whether the input content is money (savings) deposited with the parent or money (withdrawal) returned from the parent. The date 802 indicates the date when the application for saving / withdrawing was made. The date to be operated is initially displayed as the date 802, but the date can be changed with a dial associated with the date 802. The amount 803 indicates a saving amount or a withdrawal amount. In one embodiment of the present invention, when the savings / withdrawal section 801 indicates “withdrawal”, a field for inputting an application reason (for what the child wants to withdraw savings) is displayed. Also good.

  FIG. 8A shows an example of recording that “save” is selected and 1000 yen is deposited with the parent on September 30, 2016. When the confirmation button shown in FIG. 8A is pressed, the input content is recorded in the savings data 208 illustrated in FIG. 5, but the parent confirmation flag 505 remains “unconfirmed”. The item 503 is recorded according to the contents of the saving / withdrawal section 801. In another embodiment of the present invention, it is possible to select “withdrawal” in the savings / withdrawal section 801 on the application screen 800. Also in this case, when the date 802 and the amount 803 are input and the confirm button is pressed, the data is registered in the savings data 208.

  In the above description, it has been described that a child performs input on the application screen 800 in the case of saving. As described above, depending on the embodiment of the present invention, it is possible that the child does not input in the case of saving, but only the parent inputs. In such a case, the saving data 208 is generated by registering date and amount information after the parent selects a child on a screen similar to the application screen 800 using the second terminal 120. The generated savings data 208 indicates that the parent confirmation flag 505 is “confirmed”. Furthermore, balance data corresponding to the generated savings data 208 (that is, withdrawal data indicating funds transfer from the child to the parent) is automatically generated and registered in the balance data 207. Alternatively, when only the parent inputs, after selecting which child's data is to be input and inputting on a screen similar to the recording screen 700, the balance data corresponding to the input content of the selected child can be obtained. It is registered in the balance data 207. In such a case, savings data 208 corresponding to the registered balance data is generated and recorded.

  In a further embodiment of the present invention, when the child selects “withdrawal” in the savings / withdrawal category 801 and the parent approves on the approval screen 810, the balance data may not be automatically generated (the savings data includes Approval result is automatically reflected). When money is actually transferred from the parent to the child, the money information received by the child on the recording screen 700 is registered. When it is specified that the money is withdrawn in the event 704 and the confirmation button displayed in FIG. 7A is pressed, balance data is generated.

  The approval screen 810 can include an event 811, a date 812, an amount 813, an approval button 814, and a switching button 815. When the approval screen 810 is displayed on the second terminal 120 in response to a request from the parent user, the system 100 reads out data indicating that the parent confirmation flag 505 indicates “unconfirmed” from the saved data 208 and displays it on the approval screen 810. Can be displayed. When there are a plurality of unconfirmed data, the approval screen 810 can switch the display data by using the switching button 815. When there is no unconfirmed data, the switch button 815 may be configured to be disabled.

  In the example of FIG. 8B, it is shown that the child has handed 1000 yen to the parent and has transmitted an application indicating that 1000 yen should be deposited with the parent on 30 September 2016. When the parent presses the approval button 814, the parent confirmation flag 505 of the savings data 208 is updated to “confirmed”, and the withdrawal data (that is, data of funds transfer from the child to the parent) is displayed in the balance data 207. To be recorded. In addition, the child user ID is added to the recorded data. In another embodiment of the present invention, a “drawer” in which money is transferred from the parent to the child in FIG. 8A is registered. In this case, in FIG. 8B, the item 811 is “drawer”. Will be displayed. In this case, when the approval button 814 is pressed, the payment data (that is, the data on the transfer of funds from the parent to the child) is recorded in the balance data 207 (the user ID 301 is the child's ID). That is, in the savings function, the data is not confirmed only by the child inputting the data. The savings data 208 is confirmed only when the parent presses the approval button 814, and the corresponding data is automatically generated by the system 100. And added to the balance data 207.

(Help function)
The help function is a function that allows children to learn the fun of helping and how to make money, and is a function that allows them to obtain extra money when registering help contents.

  FIGS. 9A and 9B are screen examples of the help function of the pocket money app according to the present invention. FIG. 9A shows an application screen 900 for reporting to the parent when the child helps, and FIG. 9B shows a payment screen for the parent to confirm the child's help contents and make payment. 910. The application screen 900 can include a date 901, an item 902 and an amount 903. In FIG. 9A, a numeric input function 904 that can be used in a smartphone, a tablet terminal, or the like may be displayed. A date 901 indicates the date on which assistance was provided. The date to be operated is initially displayed as the date 901, but the date can be changed with a dial associated with the date 901. In addition, when a calendar is displayed on the application screen 900 and an arbitrary date is selected, the date may be initially displayed. The function of inputting the date from the calendar can be used on other screens (for example, the recording screen 700, the application screen 800, etc.). The item 902 is a column for designating the contents of the help that has been performed from among the options set in a predetermined table such as Table 1, for example. The amount 903 displays the amount corresponding to the content of the assistance specified in the item 902 based on the information set in Table 1, for example. In the pocket money app according to the present invention, it is possible to set the amount of unpaid money for each help, but it is also possible to set the unpaid money for each help to 0 yen.

  FIG. 9A shows an example of applying for “dishwashing” on September 1, 2016. When the confirmation button shown in FIG. 9A is pressed, the input content is recorded in the help data 209 illustrated in FIG. 6, but the approval flag 605 remains “not approved”.

  The payment screen 910 can include a detail column 911 (including a total display) and a payment button 912. When the payment screen 910 is displayed on the second terminal 120 in response to a request from the parent user, the system 100 reads out data indicating that the approval flag 605 indicates “unapproved” from the data of the help data 209 and displays it in the description column 911. Can be displayed. The total amount of the displayed data is calculated and displayed at that time.

  In the example of FIG. 9B, the contents of help that the child went in August and the rent for the help are displayed. When the parent presses the payment button 912, the approval flag 605 of the corresponding data in the help data 209 is updated to “approved”, and new data is added to the balance data 207. The newly added data includes the total amount in which the user ID 301 is the child ID, the date 401 is the approval date, the item 403 is “help income”, and the amount 404 is displayed in the description column 911. Is the data. That is, in the help function, the data is not confirmed only by the child inputting the data, but the help data 209 is confirmed only when the parent presses the payment button 912, and the corresponding data is added to the balance data 207. Will be. In the embodiment of the present invention, “unapproved” data for a specific month is displayed, and the data may be approved at once, or any data may be selected (for example, a check box) ), Only selected data may be approved.

  In another embodiment of the present invention, even if the parent presses the payment button 912 to confirm the help data 209, the corresponding balance data 207 may not be added. In such a case, the corresponding balance data 207 is generated by the child who actually received the rent input by himself / herself on the recording screen 700.

(Calendar function)
FIG. 10 is a diagram showing an example of a calendar screen 1000 used in the pocket money app according to the present invention. When the calendar screen 1000 is displayed, the system 100 is configured to access the balance data 207, read out the data of the month, and display marks such as “on” and “out” in the corresponding date column of the calendar. May be. Further, by tapping an arbitrary date, the recording screen 700 may be displayed to input the balance data for that day. In addition, or alternatively, the system 100 may be configured to display on the calendar the help performed by the child, as exemplified by the “Δ” mark on the calendar screen 1000. Further, the mark to be displayed may be different for each content of help. Furthermore, the amount of money obtained by help may be displayed in accordance with a calendar.

  In the pocket money app according to the present invention, in addition to the functions described above, a function for promoting the use by the parent and child is provided.

(Login bonus function)
In order to promote the use of the pocket money app according to the present invention, the system 100 can provide a login bonus function. The system 100 prepares a predetermined type of illustration, and the child can select any one of them. The illustration can be divided into several pieces like a jigsaw puzzle. Each time a child logs into the pocket money app, one piece of the selected illustration can be acquired. When a predetermined number of logins are performed, all the pieces of the selected illustration can be acquired. After acquiring all the pieces, the system 100 responds to an instruction from the first terminal 110 operated by the child. Thus, the message input by the child can be transmitted together with the illustration to the second terminal 120 operated by the parent.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can adopt an embodiment as, for example, a system, apparatus, method, program, or storage medium.

DESCRIPTION OF SYMBOLS 100 System 110 1st terminal 120 2nd terminal 130 Network 201 Control part 202 Main memory part 203 Auxiliary memory part 204 Interface (IF) part 205 Output part 206 User master 207 Balance data 208 Savings data 209 Help data 210 Setting data 700 Record screen 710 History screen 800 Application screen 810 Approval screen 900 Application screen 910 Payment screen 1000 Calendar screen 1001 Return button

Claims (9)

A balance management system,
Means for storing balance data received from a first terminal, wherein the balance data is associated with a first user;
Means for generating unconfirmed savings data in response to receiving data from the first terminal;
Means for transmitting the unconfirmed savings data to the second terminal in response to a request from the second terminal associated with the second user;
Means for receiving from the second terminal a first signal indicating that the unconfirmed savings data has been approved by the second user, the approved savings data being Means for indicating a transfer of money with the second user;
In response to receiving the first signal, means for generating the balance data corresponding to the savings data, wherein the generated balance data is not based on an input of the first user, A balance management system comprising means based on automatic generation by the balance management system.   The balance management system according to claim 1, wherein the balance data includes evaluation information by the first user and the second user.   The savings data is at least one of data indicating transfer of money from the first user to the second user and data indicating transfer of money from the second user to the first user. The balance management system according to claim 1. There is a method executed by the balance management system,
The balance management system comprises means for storing balance data received from a first terminal, wherein the balance data is associated with a first user, the method comprising:
In response to receiving data from the first terminal, generating unconfirmed savings data;
In response to a request from a second terminal associated with a second user, transmitting the unconfirmed savings data to the second terminal;
Receiving from the second terminal a first signal indicating that the unconfirmed savings data has been approved by the second user, the approved savings data being Indicating a transfer of money to and from the second user;
In response to receiving the first signal, generating the balance data corresponding to the savings data, wherein the generated balance data is not based on the input of the first user, Based on automatic generation by the balance management system.   A program for causing a computer to execute the method according to claim 4. A balance management system,
Means for storing balance data received from a first terminal, wherein the balance data is associated with a first user;
Means for generating unapproved help data in response to receiving data from the first terminal;
Means for transmitting the unapproved assistance data to the second terminal in response to a request from the second terminal associated with the second user;
Means for receiving from the second terminal a first signal indicating that payment is to be made for the unapproved help data, wherein the approved help data is the first user and the second user; Means based on pre-arranged actions with
In response to receiving the first signal, means for generating the balance data, which is payment data corresponding to the help data, wherein the payment data is received from the second user from the first user. A balance management system comprising means for indicating transfer of money to a user and the generated balance data is not based on an input of the first user but based on automatic generation by the balance management system.   The balance management system according to claim 6, wherein the balance data includes evaluation information by the first user and the second user. There is a method executed by the balance management system,
The balance management system comprises means for storing balance data received from a first terminal, wherein the balance data is associated with a first user, the method comprising:
In response to receiving data from the first terminal, generating unapproved help data;
In response to a request from a second terminal associated with a second user, transmitting the unapproved assistance data to the second terminal;
Receiving from the second terminal a first signal indicating payment for the unapproved help data, wherein the approved help data includes the first user and the second user. Based on pre-arranged actions with
In response to receiving the first signal, generating the balance data, which is payment data corresponding to the assistance data, wherein the payment data is received from the second user from the first user. A method for indicating the transfer of money to a user, wherein the generated balance data is not based on the input of the first user but based on automatic generation by the balance management system.   A program for causing a computer to execute the method according to claim 8.

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