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13年2月18日月曜日
家計簿4.0

13年2月18日月曜日
家計簿3.0


         家計簿3.0というのは、
         スマホアプリや、家計簿サービスが登場して、
         複雑ですが設定さえ行えば、
         半自動的に家計簿が作られる、
         そんな今の状態を表す言葉です。
13年2月18日月曜日
家計簿4.0
              かんたん
               全自動
              リアルタイム
13年2月18日月曜日
家計簿 3.0 は色んなカードや銀行に対応しますが、
               非常に複雑です。なので、発想を逆転させます。
              あるひとつの便利な金融機関に、生活側を寄せます。


13年2月18日月曜日
楽天銀行である理由
                   ATM出金・振込
    1.   普通口座              実店舗での買い物
    2.   クレジットカード
    3.   デビットカード 公共料金・通信費
    4.   メール通知
    5.   ウェブ管理             ネットでの買い物
                      給与振込




   お金を一元管理できる要素が          っている
13年2月18日月曜日
家計簿4.0のフロー
  楽天銀行と楽天Visaデビットをラップする

         楽天銀行のメール通知
               ↓
              GMail ← IMAP ← バッチプログラム
                              ↓
                           ワンタイム認証
                              ↓
                     楽天銀行から取引履歴 (CSV) 取得
                              ↓
                 差分検出 + 取引IDの紐付け + 残高情報取得
              ↓                       ↓
                グラフ作成・更新          Push通知

13年2月18日月曜日
買い物をすると自動的に家計簿が更新される




13年2月18日月曜日
お金の出入りをリアルタイムに通知




               実店舗での買い物、ネットでの買い物、
              給与振込やATM出金など、すべてを通知。



13年2月18日月曜日
家計簿4.0
                     かんたん
        楽天銀行を利用することで、あとは起動するだけの扱いやすさ


                      全自動
              Visaデビットと連携して家計簿を全自動化


                   リアルタイム
              お金の出入りをプッシュでリアルタイムに通知

13年2月18日月曜日

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家計簿4.0