Patent Publication Number: US-2002010660-A1

Title: Hosting service system of household account information, household account server, account information providing server, household account information processing server, and method for providing household account information using network and storage medium

Description:
DETAILED DESCRIPTION OF THE INVENTION  
       [0001] 1. Field of the Invention  
       [0002] The present invention relates to a management system for personal household account information, and more particularly to a system for providing household account information to a user as a hosting service.  
       [0003] 2. Background Art  
       [0004] In recent years, due to the introduction of the Big Ban liberalization of the financial sector, various financial products have been provided, so it is assumed that personal asset management becomes increasingly complicated. Also, many of the holders of a personal computer are performing asset management using a personal computer or hoping to do that, thus it is widely desired that an individual unitarily manage income and expenditure of an account, cope with various financial products, and manage own asset easily with a personal computer or the like.  
       [0005]FIG. 18( a ) and ( b ) is a diagram illustrating an outline of a conventional household account system. As is shown in FIG.  18 ( a ), Japanese Unexamined Patent Publication No. 1997-277750 discloses a technique, wherein data is downloaded from an account system  302  or ATM and entered in a customer&#39;s household account book  301 . Also, as for a personal finance management software “Money” from Microsoft, a household account system  303  installed in a personal computer of an individual as a program can download data from a remote account system  304  over a network, as is shown in FIG. 18( b ).  
       Problems to be Solved by the Invention  
       [0006] However, with a technique disclosed in the above Japanese Unexamined Patent Publication No. 1997-277750, only entering in a passbook is enabled and a user (i.e., customer) can not directly edit data. A bank can not view what has been edited, either, so information simply flows in one direction from a bank to a user.  
       [0007] As for Microsoft&#39;s “Money”, although a function for planning and advice for money management is substantial, however, in terms of information flow, it is one-way from a bank to a user as well, so the bank as a financial institution can not make use of edited information. Moreover, along with maintenance of a software, management of data is entrusted to a user, thus there is a problem in terms of convenience. In addition, for a financial institute that provides information, though there is expected acquisition of customers due to the improvement of services, there is a little profit, thus some of them hesitate to provide data.  
       [0008] The present invention is provided to solve the above problems, therefor, it is an object of the present invention to save a user (customer) the trouble of management, with the user leaving his own household account information with the server&#39;s side.  
       [0009] It is another object of the invention that a financial institution or the like corresponding to a server&#39;s side that provides household information makes active use of customer&#39;s household account information for advertisement.  
       SUMMARY OF THE INVENTION  
       [0010] In view of these objects, in one aspect of the present invention, a system for managing household account information operates on the server&#39;s side, wherein the household account information is provided from the server&#39;s side to a customer, in addition, there is added a feature for utilizing the household account information for marketing. This allows improvement of convenience for a user, as well as an analysis by a financial institute from various points of view, thereby providing an effective scheme for both users and financial institutes. That is, a hosting service system of household account information according to the present invention comprises a user terminal connected to a network; and a service provider connected to the network for providing the user terminal with household account information including a plurality of items for each user, wherein the service provider adds additional information to predetermined items in the household account information of each user and provides to the user terminal, wherein the additional information is based on the analysis results regarding the household account information.  
       [0011] The system further comprises an information processing module □□ for analyzing this household account information and providing additional information such as an advertisement and advice based on the analysis results. A service provider such as a financial institute could have this information processing module.  
       [0012] Alternatively, this information processing module may be provided by an information processing company that is connected to the service provider over a network, which allows adding additional information such as an advertisement for marketing to household account information, wherein a service provider doesn&#39;t need to provide the function itself.  
       [0013] Furthermore, the household account information provided by the service provider has its contents of a plurality of items updated on the basis of a change of contents in bank account information of each user, whereby the household account information is provided based on the latest bank account information.  
       [0014] In addition, the service provider may provide household account information, wherein income and expenditure items are subdivided on the basis of a request from the user terminal, and send a predetermined notice to the user terminal on the basis of set notification conditions from the user terminal, thereby providing a useful service to a user (customer).  
       [0015] In another aspect of the invention, there is provided a household account server for providing household account information to a user terminal connected to a network, comprising: an account information updating feature for updating account information in response to update of bank account data and reflecting in the household account information; an information adding feature for adding information to the household account information in response to additional information about marketing; and a notification feature for notifying the account information updated by the account information updating feature and the information added by the information adding feature to the user terminal. The additional information about marketing may be created by the household account server itself, or transmitted by any others over a network. That is, the household account server further comprises an information processing module for analyzing the household account information and generating additional information about an advertisement, wherein the information adding feature adds the information generated by the information processing module to the household account information. Alternatively, the information adding feature may add information about an advertisement that is created by an external institute connected via network as analysis results of the household account information to the household account information. Note that the term “advertisement” contains various kinds of contents such as a commercial, which include a set of information about marketing.  
       [0016] In a further aspect of the invention, there is provided an account information providing server for providing managed account information to a user terminal connected to a network, comprising: view request accepting means for accepting a view request from the user terminal; notification conditions accepting means for accepting the setting of notification conditions from the user terminal; and account information providing means for providing the account information to the user terminal on the basis of the view request accepted by the notification conditions accepting means and for providing the account information to the user terminal if it matches the notification conditions accepted by the notification conditions accepting means. The server further comprises adding means for adding advertisement information to the account information as a result of an analysis of the account information, wherein the account information providing means provides the account information added with the advertisement information to the user terminal, thereby allowing the server&#39;s side that provides account information to utilize for marketing or the like.  
       [0017] In a further aspect of the invention, there is provided a household account information processing server, comprising: acquiring means for acquiring household account information from a server that holds household account information; analyzing means for analyzing the acquired household account information; determining means for determining additional information to be added to the household account information on the basis of analysis results by the analyzing means; and output means for outputting the additional information determined by the determining means to the server. This additional information includes, for example, advice information for building up assets by a financial planner as well as advertisement information.  
       [0018] In a further aspect of the invention, there is provided a method for providing household account information to a user terminal connected to a network using the network, comprising the steps of: generating household account information on the basis of bank account information of each user; adding additional information such as advertisement information to items held by the household account information, wherein the additional information is based on an analysis of the generated household account information; and providing the household account information with the items of the additional information added to the user terminal.  
       [0019] The step of generating household account information further comprises the steps of: subdividing income and expenditure items from the bank account information to generate household account information; and providing the generated household account information to the user terminal on the basis of a view request from the user terminal.  
       [0020] The method further comprises the steps of: accepting notification conditions set by the user terminal; and sending a notice to the user terminal if the household account information matches the accepted notification conditions. The method further comprises the steps of: providing the household account information to an information processing company connected over a network; receiving advertisement information generated by the information processing company on the basis of an analysis of the household account information; and adding the received advertisement information to items held by the household account information.  
       [0021] In addition, the method further comprises the steps of: acquiring information from other financial institutions such as a credit company over a network; and generating household account information on the basis of the acquired information, thereby making the household account information more satisfactory.  
       [0022] In a further aspect of the invention, there is provided a storage medium storing a program readable by input means of a computer and executed by the computer, the program comprising: processing for generating household account information wherein income and expenditure items are subdivided on the basis of bank account information; processing for adding additional information such as advertisement information to the household account information on the basis of an analysis of the generated household account information; and processing for providing the household account information with the additional information added to the user terminal. The program further comprises: processing for accepting notification conditions from the user terminal; and processing for sending a notice to the user terminal if the household account information matches the accepted notification conditions.  
       [0023] In a further aspect of the invention, there is provided a storage medium storing a program readable by input means of a computer and executed by the computer, the program comprising: processing for acquiring household account information from a household account server that holds household account information; processing for analyzing the acquired household account information; processing for determining additional information to be added to the household account information such as advertisement information and advice on the basis of analysis results; and processing for outputting the determined additional information to the household account server.  
       [0024] The above storage medium includes a medium such as a CD-ROM, for example, which stores a software for performing these processing. In the embodiment where a program is downloaded via network, the present invention also contemplates a medium in a transmission device of a program and a storage medium such as a hard disk after downloading.  
       Preferred Embodiments  
       [0025] Now the present invention will be described in reference to the attached drawings.  
       [0026]FIG. 1 is a diagram illustrating an overall configuration of a household account system according to the present invention. In FIG. 1, a symbol  8  is a user terminal that is composed of a personal computer (PC) connected to a network such as the Internet, comprising a browser serving as software for viewing home pages on WWW (World Wide Web) servers in the Internet, and a mail function for sending, receiving and managing an e-mail. A symbol  10  is a financial institute serving as a service provider, which provides various kinds of household account information to a user terminal  8  connected to a network such as the Internet.  
       [0027] The service provider  10  comprises a household account server  11 , household account information  12 , an account system  13 , bank accounts  14 , and an information processing module  15 . The household account server  11  manages the household account information  12  and further manages interactions with other modules, thus being a key module of the embodiment of the present invention. The household account information  12  stores individual information according a predetermined data format. The account system  13  is a system that manages accounts of customers, managing deposits of customers on the basis of bank account information stored in the bank accounts  14  and providing information periodically to the household account server  11 , which forms the foundation of the household accounts. The information processing module  15  reads the household account information from the household account server  11 , processes its contents and transfers obtained new information to the household account server  11 . A customer using the user terminal  8  accesses the household account server  11  via network to view and update the household account information  12  and further receives notification from the household account server  11 . The household account information  12  which the user terminal  8  receives is far more detailed information than booked information in a regular passbook. Booking a passbook involves received money, payment, the balance, and a few lines of remarks at most, whereas the household account information  12  is able to show total amounts of income and expenditure separately for a given period of time (e.g., one month). In addition, by automatic debt transfer with a cash-card, not only the total amounts but also individual items of expenses and date and time information can be added.  
       [0028]FIG. 2 is a diagram illustrating a modification of the household account system shown in FIG. 1. The information processing module  15 , which was provided by the financial institute serving as a service provider  10  in FIG. 1, is in turn provided by a third party serving as an information processing company  20  via network such as the Internet in FIG. 2. Also, the household account server  11  of the service provider  10  can receive updated data from a credit company  21  that is any other financial institute and update the household account information  12 . Making use of data from the credit company  21 , a wide range of rich information can be obtained. According the embodiment of the present invention, on the assumption that an financial institute provides detailed items of income and expenditure, the convenience is improved for a user. This results in getting information about which goods each user purchases. The financial institute serving as a service provider  10  can make a profit by making the third party serving as the information processing company  20  utilize this information. On the other hand, the information processing company  20  also can earn profits for the good reason that it can provide an appropriate advertisement on the basis of the obtained high quality information. However, the information provided to the information processing module  15  should not include information that identifies customers such as names of certain customers, in order not to intrude on their privacy.  
       [0029] In this way, according to the embodiment of the invention, by means of hosting (i.e., a service for an Internet provider to lend out network resources to a user for convenience), the service provider  1   0  provides the household account information  12  to the user terminal  8 . Furthermore, in addition to a framework hosting this household account system, there is provided an information processing module  15 , which analyzes the household account information  12  and reflects a new information (e.g., advertisement) based on the household account information  12  in the household accounts. A user sees this advertisement while viewing or editing the household account information  12 .  
       [0030]FIG. 3 depicts a data format of household account information stored in the household account information  12 . Here is shown the household account information of one user, wherein the household account data is created in reference to the regular household accounts. This household account data consists of a plurality of listed items, total expenditure, total income, carry-over, etc. Each item comprises the expenditure and income that distinguishes between expenditures and incomes, amount of money, and date fields. There are also provided a plurality of classes as an attribute that arranges each item hierarchically, wherein three classes are provided here. In addition, each item is allocated a payment method including by automatic debt transfer, at a convenience shop and in cash, etc., and an advertisement field serving as a field for a financial institute to use for advertisement, which comprises the feature of the present invention. As to the total expenditure of the household account data, for example, there are provided totals for each class, wherein the class expenditure includes food expenses, light and fuel expenses, a telephone bill, and drink money. In this way, according to the present invention, the convenience for a user who is provided with the household account information  12  is improved by subdividing the income and expenditure items. Likewise, for a financial institute utilizing this household account information  12 , its analysis becomes possible from various points of view.  
       [0031]FIG. 4 depicts a data format of bank account information stored in the bank accounts  14 . The account information data stored in the bank accounts  14  consists of a plurality of items, wherein each item comprises the distinction between expenditure and income, amount of money, and date information. Moreover, each item comprises special notes such as public utility charges and a salary deposit.  
       [0032]FIG. 5 depicts a configuration of the household account server  11 . One of the roles of the household account server  11  is to manage the household account information  12 , at the same time, manages interactions with the account system  13 , the information processing module  15 , and the user terminal  8 . For that purpose, the household account server  11  is provided with features that interact with these modules. As is shown in FIG. 5, the household account server  11  comprises an account information updating section  31  that reflects the information from the account system  13  in the household account information  12 , and a user input assisting section  32  that manages interactions with the user terminal  8 , wherein the user input assisting section  32  comprises a viewing and editing feature  33  and a notification feature  34 . Furthermore, the household account server  11  comprises a household account information updating section  35  that interacts with the information processing module  15 . These modules are independent in terms of operation, wherein portions that access the household account information  12  serving as a common database are associated with each other.  
       [0033]FIG. 6 is a flowchart showing a process of the account information updating section  31  shown in FIG. 5. First, the account information updating section  31  sets a target period to update the account information, on the basis of the date and time of the last update and the current date and time (step  101 ). Next, it sends the account system  13  the target period such as the date and time of the last update and the current date and time, and then requests transaction data for that period (items of the account information data shown in FIG. 4) (step  102 ). Then it determines whether an item to be updated exists (step  103 ), if so, it updates the household account information  12  on the basis of an item list for the obtained target period (step  104 ). If no items exist in step  103 , then no update occurs and the account information updating section  31  sleeps until the next time of day (date) (step  105 ), then returning to the step  101  to do the same processing when the next time of day comes. In this way, according to the household account server  11  of the present invention, the account information updating section  31  determines the situation of items acquired from the account system  13  and updates the account information if an item to be updated exists. The updated account information is stored as the updated household account information  12  and provided to the user terminal  8  and the information processing module  15  as needed.  
       [0034]FIG. 7 is a diagram illustrating an outline of the user input assisting section  32  shown in FIG. 5. The user terminal  8  comprises a browser  36  that is used to view a home page or the like stored in the household account server  11 , and a mail  37  that accepts a notification from the household account server  11 , wherein a user can view and edit the household account information  12  using them. Specifically, the user terminal  8  sends a request for viewing and editing to the viewing and editing feature  33  of the household account server  11  through the browser  36 . In response to this request, the viewing and editing feature  33  edits and updates the household account information  12 . Further, the user requests the notification setting to the notification feature  34  of the household account server  11 , using the browser. In response to this request, the notification feature  34  sets the notification conditions for the household account information  12 . Thereafter, the notification feature  34  sends a notification to the user terminal  8  using a mail if the notification conditions are met.  
       [0035]FIG. 8 is a table showing instructions of the user input assisting section  32  in detail. Here are shown DB instructions corresponding to the SQL of database, wherein instructions are characterized by conditions and parameters at each type. A type “View” specifies conditions for an item subject to viewing, which corresponds to a “SELECT” statement of DB instructions. A type “change” specifies conditions for an item subject to change, which corresponds to an “UPDATE” statement of DB instructions, wherein a parameter is “pair of attribute and value” if a user rewrites a class by hand, for example. A type “delete” specifies conditions for an item subject to deletion, for example, a condition for deleting a specific item in the household account information  12 , which corresponds to a “DELETE” statement of DB instructions. A type “notification setting” specifies condition and notification conditions of a target item, which corresponds to a “SET-TRIGGER” statement of DB instructions. IF the set notification conditions are met, the user terminal  8  issues a “notice” to the user terminal  8 .  
       [0036]FIG. 9 depicts a configuration of the household account information updating section  35  shown in FIG. 5. The information processing module  15  in the service provider  10 , as is shown if FIG. 1, or the information processing module  15  of the information processing company  20 , which serves as a Web server via network such as the Internet, as is shown in FIG. 2 performs two kinds of processing, i.e., information acquisition and information update. As to the information acquisition, its request is sent to the household account information updating section  35  of the household account server  11 , then the DB instruction “SELECT” shown in FIG. 8 is sent to the database that stores the household account information  12 . Then, a set of resulting items is sent back to the information processing module  15  from the household account information updating section  35 . On the other hand, as to the information update, the updated set of items are sent to the household account information updating section  35 , which is transmitted to the database that stores the household account information  12  using a DB instruction “UPDATE” shown in FIG. 8.  
       [0037]FIG. 10 depicts a configuration of the information processing module  15  and an example of processing performed by it. The information processing module  15  performs processing for advertisement and publicity, for example. Here is shown an example which examines how to pay a telephone bill and advertises that the automatic debt transfer has an advantage over the payment at a convenience store. The information processing module  15  comprises an advertisement module  41 , a statistics processing feature  42 , and a database storing statistics information  43 . The advertisement module  41  requests information from the household account server  11  to receive organized information and adds a new information about an advertisement. The statistics processing feature  42  puts together the information from the household account server  11  as the statistics information  43 .  
       [0038] In the case of advertisement for automatic debt transfer of telephone bill, the advertisement module  41  first issues a request for information about the payment of telephone bill to the household account server  11 . In response to this request, the result is sent to the statistics processing feature  42  and organized as the statistics information  43 . That information is sent to the advertisement module  41  in an organized form, which tells, for example, that bills for “A” telephone company are often paid at a convenience store. The advertisement module  41  sends new information to the household account server  11  on the basis of benefit information that ““A” telephone company gives a discount for automatic debt transfer”. Specifically, an advertisement “A discount is granted for automatic debt transfer” is added to the “advertisement field” of an item ““A” telephone company convenience store” shown in FIG. 3. In response to this new information, the household account server  11  sends the added new information to the user terminal  8 . Other advertisements are also contemplated, including for example, extracting the monthly balance or the kind of loan from the household account information  12 , and offering a time deposit or refinance of a loan, respectively.  
       [0039]FIG. 11 is a flowchart illustrating an example of processing in adding advertisement information. First, the advertisement module  41  in the information processing module  15  requests information about payment to “A” telephone company from the household account server  11  (step  201 ). Next, it classifies and organizes the items acquired from the household account server  11  according to a method of payment (step  202 ). Then, it is determined whether the payment via convenience store is greater or equal to 50% (step  203 ). If so, an advertisement is added to the advertisement field of the target item, whereby the household account data is updated (step  204 ). If the payment at a convenience store is less than 50% in step  203 , the processing ends. Note that the rate 50% used in the determination step  203  is simply one example, any other rate or criterion can be naturally used.  
       [0040] Now the input and output displays in the user terminal  8  will be described according to concrete examples.  
       [0041]FIG. 12 to FIG. 17 depict a processing screen displayed in the user terminal  8 , wherein a household account system that interacts with a financial institute “XXX bank” serving as a service provider  10  is taken as an example.  
       [0042]FIG. 12 is a diagram showing a log-in screen of the household account system. A customer (user) views a home page of the household account server  11  using the browser  36  of the user terminal  8 , and displays the log-in screen as shown in FIG. 12. In this example, a user can log in by entering a user ID and a password and then clicking a send button.  
       [0043]FIG. 13 is a diagram showing a sample display of the household account system at an initial stage after the log-in. Expenditure and income items are subdivided, wherein each class is shown in a hierarchical form with three stages. In addition to the account information from the bank accounts  14 , there is shown an advertisement item such as “Automatic debt transfer saves you  10 %, so please take advantage of this.”, which is generated by the information processing module  15 . Furthermore, there are shown buttons under the display of the household accounts, which specify “Addition of item” and “Notification setting”. Clicking these buttons causes movement to a page for addition of items or notification setting.  
       [0044]FIG. 14 is a diagram showing a sample display of a page for addition of items, which is displayed by clicking the “Addition of item” button shown in FIG. 13. This function is utilized for inputting a subject to the acquired household account information  12 , for example. In this example, date, item, expenditure, income, each class and method for payment can be added as an item.  
       [0045]FIG. 15 is a diagram showing a sample display of a page for setting notification conditions, which is displayed by clicking the “Notification setting” button shown in FIG. 13. In this setting of notification conditions, the notification conditions a user desires are set, such as “Inform if the telephone bill is transferred,” and “Inform if total expenditure becomes greater or equal to 150000 yen”. In FIG. 5, there are shown two kinds of notification conditions, i.e., “the setting for items” and “the setting for totals”. In the shown example, there is shown a situation where a user set such that a notice should be issued when “total expenditure” becomes greater or equal to “150000 yen” in relation to “the setting for totals”.  
       [0046]FIG. 16 is a diagram showing a situation where a notice is sent to the mail  37  in the user terminal  8  from the household account server  11 , after setting the notification setting shown if FIG. 15. Here is shown a display to the effect that the “total expenditure” has become greater or equal to “150000 yen” and a URL that indicates a detailed page, which is hyperlinked.  
       [0047]FIG. 17 is a diagram showing a screen for notification of the condition setting, which is displayed by the specification of the hyperlink shown in FIG. 16. Here are shown the situation where the set conditions are met and the household account information at that time, as well as the conditions. In this way, setting the notification conditions so as to receive the notice from the service provider  10  when those conditions are met, a user can get the household account information whenever needed, without managing the household account information by himself.  
       [0048] As mentioned above, according to the present invention, in contrast with a conventional household account system that assumed to be used by a user personally, a user (customer) leaves his own household account information  12  with the service provider (financial institute)  10 . As a result, a user (customer) is saved the trouble of data management and is freed from burdensome works such as software maintenance. Moreover, a user can acquire the household account information  12  with an added value such as an effective advertisement. On the other hand, the service provider (financial institute)  10  can utilize valuable information stored in the household account information  12  actively for the marketing such as an advertisement. For example, it can extract the monthly balance or the kind of loan from the household account information  12 , and offer a time deposit or refinance of a loan, respectively. Further, according to the present invention, subdividing income and expenditure items allows improvement of convenience for a user, as well as an analysis by a service provider (financial institute)  10  from various points of view, thereby providing an effective scheme for both users and financial institutes.  
       [0049] It is noted that in the above embodiments of the present invention, an advertisement was used as an example of practical use of marketing in the information processing module  15 , however, the present invention should not be limited to this. For example, it is preferred to provide an advice function as “household account diagnosis”, which offers a given advice to a user on the basis of the household account information  12 . Moreover, it is also possible to provide effective investment information as a financial planner.  
       Advantages of the Invention  
       [0050] As mentioned above, according to the present invention, a user (customer) is saved the trouble of management, leaving his own household account information with the server&#39;s side. In addition, a financial institution or the like corresponding to the server&#39;s side can make active use of customer&#39;s household account information for advertisement or the like. 
     
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
     [0051]FIG. 1 is a diagram illustrating a overall configuration of a household account system according to the present invention.  
     [0052]FIG. 2 is a diagram illustrating a modification of the household account system shown in FIG. 1.  
     [0053]FIG. 3 depicts a data format of household account information stored in the household account information  12 .  
     [0054]FIG. 4 depicts a data format of bank account information stored in the bank accounts  14 .  
     [0055]FIG. 5 depicts a configuration of the household account server  11 .  
     [0056]FIG. 6 is a flowchart showing a process of the account information updating section  31  shown in FIG. 5.  
     [0057]FIG. 7 is a diagram illustrating an outline of the user input assisting section  32  shown in FIG. 5.  
     [0058]FIG. 8 is a table showing instructions of the user input assisting section  32  in detail.  
     [0059]FIG. 9 depicts a configuration of the household account information updating section  35  shown in FIG. 5.  
     [0060]FIG. 10 depicts a configuration of the information processing module  15  and an example of processing performed by it.  
     [0061]FIG. 11 is a flowchart illustrating an example of processing in adding advertisement information.  
     [0062]FIG. 12 is a diagram showing a log-in screen of the household account system.  
     [0063]FIG. 13 is a diagram showing a sample display of the household account system at an initial stage after the log-in.  
     [0064]FIG. 14 is a diagram showing a sample display of a page for addition of items.  
     [0065]FIG. 15 is a diagram showing a sample display of a page for setting notification conditions.  
     [0066]FIG. 16 is a diagram showing a situation where a notice is sent to the mail  37  in the user terminal  8  from the household account server  11 , after setting the notification setting shown if FIG. 15.  
     [0067]FIG. 17 is a diagram showing a screen for notification of the condition setting, which is displayed by the specification of the hyperlink shown in FIG. 16.  
     [0068]FIG. 18( a ) and ( b ) is a diagram illustrating an outline of a conventional household account system. 
    
    
     DESCRIPTION OF THE SYMBOLS  
     [0069] 8 : User terminal  
     [0070] 10: Service provider (Financial institute)  
     [0071] 11: Household account server  
     [0072] 12: Household account information  
     [0073] 13: Account system  
     [0074] 14: Bank accounts  
     [0075] 15: Information processing module  
     [0076] 20: Information processing company  
     [0077] 21: Credit company  
     [0078] 31: Account information updating section  
     [0079] 32: User input assisting section  
     [0080] 33: Viewing and editing feature  
     [0081] 34: Notification feature  
     [0082] 35: Household account updating section  
     [0083] 36: Browser  
     [0084] 37: Mail  
     [0085] 41: Advertisement module  
     [0086] 42: Statistics processing feature  
     [0087] 43: Statistics information