JP2002197176A - Period informing system and period informing portable card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a period informing system and a period informing portable card, properly managing a period and certainly informing that the period approaches when the period approaches. SOLUTION: In this period informing system, a matching processing part 21 receives user information and period management target information from C-access means 5 that are user terminals via a communication network 3, acquires period information corresponding to the period management target information from a B-access means 7, an H-access means 9 and an S-access means 11 via the communication network 3, stores the period information into a period information database 23 such that the period information corresponds to the user information and the period management target information, compares the period information with a present date and time, decides whether the period arrives within a prescribed range or not, and informs the C-access means 5, i.e., the user terminals, that the period is within the prescribed range.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a deadline notification system and a deadline notification portable card for managing deadline information targeted by a user and notifying the user when the deadline has arrived.

[0002]

2. Description of the Related Art For example, the management of time limits such as the time limit for renewing a driver's license and the time limit for paying property tax is a responsibility of the individual who is the user, and a managing organization that manages these time limits. If there is a notification service from, the company relies on this notification service to perform some risk hedging. These management bodies manage the target persons independently and give notice of deadlines by mail, but tend to be ineffective for maintenance costs.

[0003] More specifically, a management organization such as a traffic safety association in the case of a driver's license, which is a certified business operator of various qualifications or a service support business in the vicinity thereof, is free of charge, paid, or informative. In some cases, the renewal of the expiration date is provided in conjunction with the incentive, but when the expiration date needs to be managed by yourself, such as a driver's license, or when the organization has not yet joined or is notified of the expiration date If there is no organizational management institution, it is necessary to manage the expiration date personally by the user himself, and in many cases, the expiration date is overlooked and the qualification is invalidated.

[0004] Further, it is necessary to manage the deadline for paying debts and the like by a memo pad or by writing it in a calendar and to manage the deadline by yourself. The same applies to collateral payments for obtaining qualifications such as admission fees. Therefore, such a deadline may be overdue if the schedule management is not actively performed by the user, and may not be undone in some cases. Furthermore, in the case of automatic debit of a financial institution, if there is no balance necessary for the account deposit, it becomes impossible to debit, and reprocessing is required.

[0005]

As described above, the management organization or the like does not always notify the deadline information by mail or the like. In addition to this, the user actively manages the deadline by himself / herself. There are many things that need to be done, and in the past, such time limit management is, for example, the user himself writing and managing it in notepad or calendar, but in this way he forgets to write or writes it Nevertheless, there is a problem that the user sometimes forgets to check or the time expires unexpectedly, thereby losing important qualifications.

[0006] Further, for example, there is a system in which a management organization issues a notice of a deadline by mail or the like, such as a notice of property tax, but such notice of a deadline is generally considerably earlier than an actual deadline. It is performed in stages,
Since the notification is made by mail or the like, there is a problem in that the user forgets where the mail or the like in the notification is sent or loses it, and forgot the expiration date, which is important. In this case, you may lose important qualifications,
In addition, in the case of property tax, etc., after the deadline, delinquent tax may be imposed.

[0007] The present invention has been made in view of the above,
It is an object of the present invention to provide a deadline notification system and a deadline notification mobile card that properly perform deadline management and reliably notify that the deadline is approaching.

[0008]

In order to achieve the above object, the present invention according to claim 1 manages term information targeted by a user and notifies the user of the expiration of the term when the term has arrived. A time limit notification system, comprising: a receiving unit configured to receive user information and time limit management target information input from a user terminal in response to an access from a user terminal via a network; and time limit information for the received time limit management target information. Means for acquiring the term information, a database for accumulating the acquired term information in association with the user information and the term management target information, and term information and the current date and time for the term management target information accumulated in the database. A time limit arrival determining means for comparing whether or not the time limit is within a predetermined range; and as a result of the determination, the time limit is determined to be within a predetermined range. If it is determined that within, and summarized in that and a notifying means for expiration of the deadline managed information to a user terminal that registered the term management object information of the time limit is notified that is within a predetermined range.

According to the first aspect of the present invention, user information and time limit management target information are received from a user terminal,
The time limit information for the time limit management target information is acquired, stored in a database in association with the user information and the time limit management target information, and the time limit information for the time limit management target information is compared with the current date and time. It is determined whether the expiration date is within the predetermined range, and if it is determined that the time limit is within the predetermined range, the user simply notifies the user terminal that the time limit of the time limit management target information is within the predetermined range. It is not necessary to proactively manage the deadline by itself just by giving information, and the system manages the deadline secretly and accurately in the system, and the user loses the deadline and loses important qualifications, etc. as in the past. As well as helping to maintain the trust of individuals, without having to wait for an NG notification from a financial institution for automatic debit of the financial institution. Rukoto can. In addition, it is possible to prevent a schedule or event from being forgotten and to prevent loss of opportunity. Furthermore, notifying institutions such as financial institutions can significantly reduce the cost of notification services as compared to conventional postal services, and financial institutions can reduce the number of NG payers, thereby reducing administrative costs and risks. it can.

According to a second aspect of the present invention, there is provided a time limit notification portable card which is carried by a user and stores time limit information targeted by the user, the connection means for connecting to an external device, and the connection means. Accumulating means for accumulating time limit management target information input from an external device connected via the means,
Storage control means for receiving the time limit information corresponding to the time limit management target information from the external device via the connection means, and controlling to store the time limit information in the storage means in accordance with the time limit management target information. Make a summary.

According to the second aspect of the present invention, the time limit management target information input from the external device connected via the connection means is stored, and the time limit information corresponding to the time limit management target information is stored in the external device. In order to accumulate the time limit information corresponding to the time limit management information received from the device, the time limit information for each of the stored time limit management target information is read and browsed, so that each time limit can be properly managed. it can.

Further, the present invention according to claim 3 provides the invention according to claim 2.
In the invention described in the claims, the time limit information for the time limit management target information stored in the storage means is compared with the current date and time, and the time limit arrival determination means for determining whether or not the time limit is within a predetermined range; As a result of the determination, when it is determined that the time limit has come within the predetermined range, the gist of the present invention is to include a notification unit for notifying that fact.

According to the third aspect of the present invention, the time limit information for the time limit management target information is compared with the current date and time to determine whether or not the time limit is within a predetermined range. If it is determined that the time has come within the range, the user simply stores the time limit management target information and the corresponding time limit information on the card to carry, and does not actively perform the time limit management himself / herself. Also, the time limit is properly managed, and it is not necessary to forget the time limit and lose important qualifications as in the past.

According to a fourth aspect of the present invention, in the third aspect of the present invention, the storage control means accesses a deadline notification organization from the connection means and an external device via a network, and The apparatus further includes a term information receiving unit that receives term information for the term management target information, the notifying unit includes a transmitting unit that transmits the notification to the external device via the connection unit, and the external device transmits the notification. The gist of the present invention is to include a receiving unit that receives the notification transmitted from the unit and a presentation unit that presents the received notification.

According to the fourth aspect of the present invention, while receiving the time limit information for the time limit management target information from the time limit notification organization from the external device via the network, the notification indicating that the time limit has come within a predetermined range. Is presented from an external device, the portable user of the expiration notification mobile card can accurately know the expiration of the expiration date by connecting the card to an external device such as a mobile terminal, an IC reader / writer, or a personal computer. Even if the user does not actively manage the deadline, the deadline management is properly performed, so that the user does not lose the important qualification or the like by forgetting the deadline as in the related art.

[0016]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram illustrating a configuration of a deadline notification system according to an embodiment of the present invention. The time limit notification system shown in FIG. 1 has a time limit notification device 1 connected to the communication network 3 so as to manage time limit information targeted by a user and notify the user when the time limit approaches. The expiration date notification device 1 includes a plurality of C access means 5 as user terminals used by the user via the communication network 3 and a B access means used by a financial institution which is one of the term notification institutions. 7. H access means 9 also used by a qualifying business operator, which is also one of the deadline notification institutions, and S access device, which is also used by a creditor (claimant) which is also one of the deadline notification institutions Access means 11 is connected. In the figure and the following description, alphabetic abbreviations "C" mean a user, "B" means a financial institution, "H" means a qualifying business, and "S" means a creditor. (Claimer) and the like, and “P” means the deadline notification system. That is, "H" in the H access means 9
Means a qualifying business, so the H access means 9 is an access means for a qualifying business. In the following, a user (C), a financial institution (B), a qualifying business operator (H), a creditor (claimer) will be described in order to make it easier to understand the comparison between the drawing and the description as necessary.
The alphabet will be described in parentheses as in (S).

The time limit notification device 1 shown in FIG. 1 has a time limit information database 23 storing time limit information corresponding to user information and time limit management target information, and a time limit information database 23 storing information including user attribute information. A genus information database 25, a B genus information database 27 storing information including attribute information of financial institutions, a H genus information database 29 storing information including attribute information of qualifying business operators, a creditor ( S attribute information database 31 that stores information including attribute information such as (claimant), and controls registration and browsing of information including each attribute information in these databases, performs authentication, It has a matching processing unit 21 that performs charge processing for management / notification.

More specifically, the matching processing unit 21
Receiving means for receiving, in response to each user's access from the C access means 5 via the communication network 3 via the communication network 3, user information and time limit management target information input by the user from the C access means 5; Expiration date information for the target information is transmitted from the communication network 3 via the access means 7 for B, the access means 9 for H, and the access means 11 for S, respectively, that is, a term notification organization, that is, a financial institution which is a term information sender, a qualifying business operator, Expiration date information acquisition means for acquiring from a creditor (claimant), control means for controlling the acquired expiration date information to be stored in the expiration date information database 23 in correspondence with user information and expiration date management target information, expiration date information database 23 The term information for the term management information stored in the term is read, and the term information is compared with the current date and time. Deadline approach determination means for determining whether approaching or arriving within the range; if the result of this determination is that the deadline is approaching or arriving within the predetermined range, register the time limit management target information of the deadline. And a notifying means for notifying the searched user that the time limit of the time limit management target information is approaching or coming within a predetermined range.

In the above description, the financial institution which is the deadline notification organization, the qualifying business operator, the creditor (claimer), etc. are the senders of the deadline information. More specifically, for example, the tax office, the financial institution (bank, Post office, agricultural cooperative, credit sales, housing finance corporation, etc.),
Public service providers (electricity, telephone, gas, water, etc.),
Ticket sellers, anniversary businesses (commemorative stamps, commemorative tickets, wedding halls, hotels, etc.), police stations (driver's licenses), administration (licenses of construction companies, qualifications for building houses, etc.), department stores, supermarkets ( Information on age, information on members and friends, and fan clubs.

The receiving means is C access means 5.
The term management target information received from is the information for which the term is to be managed by the present term notification system, and is, for example, information such as the renewal term of the driver's license.
The time limit management target information is input by the user from the access means 5 for C to the time limit notification device 1. The time limit information for the time limit management target information is transmitted from the time limit notification device 1 to the time limit notification device 1 in the time limit notification system. Access means 7, H
The information is obtained from a financial institution, a qualifying business operator, a creditor (claimant), etc., which is a notification organization of the deadline, via the access means 9 for S and the access means 11 for S, respectively. In other words, if the user himself / herself inputs only the information for the time limit management, the time limit information for the information for the time limit management is acquired by the deadline notification system from a financial institution, a qualifying business operator, a creditor (claimant) and used. Is what you do. The information such as the term information registered in this way includes a time lapse extinction method in which the term expires when a predetermined time or more elapses, and a self-deletion method in which the user deletes the information himself.
Either or both can be selected.

As described above, as the access means 5 for C, which is an information input / output terminal device for inputting user information and information on time limit management and outputting time limit information transmitted from the time limit notification device 1, for example, the public Telephone, transportation ticket gate,
Vending machines, mobile phones (with mail function), general subscriber phones (with mail function), personal computers, convenience store terminals, ATMs, pay TV (satellite TV, hotels,
Hospitals, etc.), portable game machines, game machines, AV (audio / video equipment), white goods, ITS (advanced highway system), car navigation, and the like.
Of the above, except for the transportation ticket gates, the notification will be made using a pop-up function as much as possible.

Access means 7 for B, access means 9 for H, and access means S for inputting / outputting time limit information from financial institutions, qualifying business operators, creditors (claimants), etc. which are term notification institutions. Information input / output terminal devices such as 11 can be realized by similar devices.

Further, the notifying means notifies the user that the time limit of the time limit management target information is within a predetermined range, for example, one month ago, one week ago, one day ago (previous day), and that the date has approached on the same day. Notification is possible. In addition, this notification method,
For example, notification by e-mail, notification by voice,
Alternatively, it is displayed on a display or the like, and further, a plurality of these are used for notification. This notification is performed in three stages, for example, as shown below.

For example, in the case of the bill payment date, the first stage notice is "This is XX. YY, X / X is the XX payment date." The notification at the stage is "This is XX. YY, tomorrow is the payment date for XX." The notification at the third stage is "This is XX. YY, today is XX. It is the payment date of ".

In the case of a qualification, the notification at the first stage is "This is XX. YY, X / X is the XX qualification renewal deadline." The notification is "This is XX. YY, tomorrow is the XX qualification renewal deadline." The third stage notification is "This is XX. YY, today is the XX qualification renewal deadline." . ".

Further, in the case of a sales announcement or a yearly announcement, the first stage notification is "This is XX. YY
Hello, XX will start on X / X. ”, The second stage notice,“ This is XX. YY, X tomorrow
X starts. , And the notification in the third stage is "This is XX. YY-sama, XX starts today."

The C information database 25, the B information database 27, the H information database 29,
FIG. 2 shows the information of the user (C), the financial institution (B), the qualifying business operator (H), the creditor (claimer), etc. (S) stored in the S attribute information database 31 respectively. As shown in the figure, information stored in each genre information database for each user (C), financial institution (B), qualifying business operator (H), creditor (claimer), etc. (S) The same applies to the registrant ID, password No. , Collation, registrant name / provider name, registrant face information (name, date of birth, age, address, telephone number, e-mail address, etc.), expiration date service specification information, contact means (only for network (NW) type is there),
Charge information (only in the network (NW) type) and the like are stored in each attribute information database.

Next, the operation of the time limit notification system shown in FIG. 1 will be schematically described with reference to FIG. In FIG. 3, the user first registers the user and the information of the time limit management target in the time limit notification system, and if necessary, browses the time limit information for the time limit management target information already stored in the time limit information database 23 ( Processing 1
a) The WWW browser function of the access means 5 for the user C and the matching processing unit 21 of the time limit notification device 1 via the communication network 3 from the telephone 8 mobile or the like of the access means 5.
Access the Web engine 21a. After performing the user authentication process (process 2), the web engine 21a performs user registration and registration of the time limit management target information. On the other hand, the access means 7 for B, the access means 9 for H, and the access means 11 for S of the financial institution (B), the qualifying business operator (H), the creditor (claimer), etc. (S) are constituted. The computer registers the term information for the term management target information registered by the user (C) from the access means 5 for C (process 1b).

The matching processing unit 21 performs matching processing of the term information with the term management object information registered as described above (processing 3a), and in some cases, transmits the communication network 3 to another Web engine 21b.
To search and register the time limit information (process 3b). As a result, when it is detected that the time limit information for each time limit management target information is within a predetermined range,
The matching processing unit 21 communicates with the user (C) (process 4). The Web engine 21a of the matching processing unit 21 manages the expiration date of the user (C) 5b, such as a telephone or mobile, via the communication network 3 via the communication network 3. Target information,
For example, it notifies that the time limit for a driver's license or the like has come (process 5).

FIG. 4 is a diagram showing information registered in advance in the time limit notification system (P) by the user (C). Registration of this information is performed by the user (C) via the financial institution (B), the qualifying business operator (H), the creditor (claimant), etc. (S), or the deadline notification system (P). To the user (C), and the name of the sender of the term information desired by the user (C), that is, the name of the institution for notification of the term such as a financial institution, a qualifying business operator, a creditor (claimer), and the desired service Register the menu.

As shown in FIG. 4, the information registered by the user (C) from the access means 5 for C includes a registrant ID, a password No. , Registrant face information such as name, date of birth, age, address, telephone number, e-mail address, etc. is there. Further, the receiving service specification 1 includes, for example, ΔΔ police, a driver's license, a renewal fee, a nearby training institution, and the like, and the receiving service specification 2 for term information includes, for example, XX department store, bargain information, desired product name. , The number of service points, and the like, and in the receiving service specification n, for example, the date and time of the concert, the name of the concert venue, the ticket fee, and the like are set. In the above information, the desired reception time and the communication means are information set only for the network (NW) type. That is, as described above, the expiration notification system of the present invention performs the expiration notification via the communication network 3 as shown in FIG. 1 and the expiration notification mobile card as shown in FIG. However, the desired reception time and the communication means are set only for the network type, and the communication means can be performed from the output terminal designated by the user (C). Can be specified more than once.

Next, the flow of the term information in the term notification system shown in FIG. 1 will be described with reference to FIG.
Registration of the term information is performed by the financial institution (B), the qualifying business operator (H), the creditor (claimant), etc. (S) from the B access means 7, the H access means 9, and the S access means 11, respectively. The processing is performed in the matching processing unit 21 via the communication network 3 (processing 11), and then stored and registered in the time limit information database 23 which is a master file via the matching processing unit 21 (processing 12). In this way, the expiration date information registered in the expiration date information database 23 is charged by the fee processing of the matching processing unit 21 (processing 13), and the result of this charging is matched via the expiration date database 23 of the master file. The processing is performed by the section 21 and further notified to the user (C) from the matching processing section 21 via the access means 5 for C (processing 14-16).

Next, the extraction of desired information by the user (C) will be described with reference to FIG. User (C)
Accesses the matching processing unit 21 of the time limit notification device 1 from the access means 5 for C via the communication network 3, and from the matching processing unit 21, the name of the time limit notification organization which is the sender name of the time limit information desired by the user The service menu is received in a format as shown in FIG.

The information shown in FIG. 6 includes a registrant ID,
o. , Verification, registrant name / provider name, charge information, time limit information service specification information, and contact means. The time limit information service specification information includes, as in FIG. 4, XX department store, bargain information, desired product name, The number of service points and the like are set, and in the receiving service specification n, for example, the date and time of the concert, the name of the concert venue, the ticket fee, and the like are set. Among the above information, the charge information and the communication means are information set only for the network (NW) type as described above.

Next, with reference to FIG. 7, a description will be given of a time limit notification portable card and a flow of information according to another embodiment of the present invention.

As shown in FIG. 7, the expiration notification portable card of the present embodiment is composed of an IC card / memory stick 30. The IC card / memory stick 30 has a mobile terminal 33 and an IC reader / writer such as an ATM. 3
5. An external device such as a personal computer 37 is connected in a non-contact or contact manner through connection means (not shown), and a user registers information through these external devices.
You will be notified that the deadline is approaching. The IC reader / writer 35 is connected to the communication network 3, and external information can be registered in the IC card / memory stick 30 from the communication network 3 via the IC reader / writer 35, or Information stored in the IC card / memory stick 30 can be read from the outside via the IC reader / writer 35.

The IC card / memory stick 30 may be an IC memory in which only a memory is mounted. In this case, the IC card / memory stick 30 is simply carried by the user and has only a function of storing the time limit information targeted by the user, but a CPU or the like is mounted on such an IC memory. The IC card / memory stick itself may be used. In this case, the IC card / memory stick 30 also has a function of comparing the stored time limit information with the current date and time to determine whether the time limit is approaching. become.

More specifically, when the IC card / memory stick 30 has only a memory, as described above, the IC card / memory stick 30 includes the mobile terminal 33, the IC reader / writer 35, and the personal computer 37.
Connection means for connecting to an external device such as described above, and a memory which is storage means for storing time limit management target information input from the external device connected via the connection means. It has storage control means for receiving the time limit information corresponding to the target information from the external device via the connection means, and storing the time limit information in the memory corresponding to the time limit management target information.

On the other hand, when the IC card / memory stick 30 further has a CPU or the like, the IC card / memory stick 30 stores the time limit information for the time limit management target information stored in the memory as described above. Compared with the current date and time, deadline arrival determining means for determining whether or not the deadline is within a predetermined range, and as a result of this determination, when it is determined that the deadline is within a predetermined range, Notification means for notifying the user.

Further, the accumulation control means for accumulating and controlling the term management information includes a financial institution, a qualifying business operator, a creditor (a claimant) which is a sender of term information via the communication network 3 from the connection means and an external device. ), Etc., and has a term information receiving means for receiving term information for the term management target information from the term notification organization. In addition, the notification means includes a transmission means for transmitting a “notification of the expiration date” to an external device such as the mobile terminal 33, the IC reader / writer 35, and the personal computer / TV 37 via the connection means. The external device has receiving means for receiving the transmitted "notification that the deadline is approaching" and presentation means for presenting the received notification by voice or display, for example. Each piece of information in the IC card / memory stick 30 configured as described above has the same configuration as the information described in the time limit notification system shown in FIG.

Next, with reference to the flowchart shown in FIG. 8, the expiration notice system shown in FIG. 1 and the IC card / memory stick 3 which is a expiration notice portable card shown in FIG.
The operation of 0 will be described in detail.

First, in this processing, use registration is performed. In this use registration, a business such as a financial institution (B), a qualifying business operator (H), a creditor (claimer), etc. (S) is first performed. In this business registration, the user (C) can enter his / her own information via the financial institution (B), a qualified business operator (H), a creditor (claimant), etc. (S) or independently. A use application is made to the term notification system (P) of the embodiment (step S11). The expiration date notification system (P) responds to this application by using the attribute information of the financial institution (B), the qualifying business operator (H), the creditor (claimer) and the like (S) in the attribute information database 27 for B, H information database 2
9. The information is registered in the S attribute information database 31 (step S13), and the deadline notification system (P) includes a financial institution (B), a qualifying business operator (H), a creditor (claimer), etc. ) To register the attribute information of the user (C) in the attribute information database for C 25 (step S1).
5).

Next, the user (C) is registered as a personal registration. In this personal registration, the user (C) makes a use application to the time limit notification system (P) (step S17). The term notification system (P) registers the attribute information of the user (C) in the attribute information database for C 25 (step S19).

When the business registration and the personal registration are completed as described above, the service processing is performed next. In this service processing, if there is cancellation of the registered term information, the cancellation of the term information is accepted (step S21). The cancellation of the term information may be requested by the user (C), the financial institution (B), the qualifying business operator (H), the creditor (claimer), etc. (S). The process of canceling the accepted term information is performed in the next step S23.
Has registered information as a main process other than the cancellation process.

In the registration of this information, the financial institution (B), the qualifying business operator (H), the creditor (claimant), etc. (S) transmits the term information to the term information which is a master file of the term notice system (P). It is registered in the database 23 so as to be displayed in the above three stages. Specifically, for example, the first stage includes:
"This is XX. YY, X / X is the XX qualification renewal deadline." The second stage is "This is XX. YY, tomorrow is the XX qualification renewal deadline. And the third stage is "This is XX. YY
Hello, today is the XX qualification renewal deadline. It is performed like ".

On the other hand, the user (C) can make a request to browse the registered term information as described above. When the user (C) makes an inquiry about the term information to the term notification system (P), (Step S25), the term notification system (P) performs a user authentication check (Step S27). If the authentication result is normal, the time limit notification system (P) performs matching of the registered information and charging processing (step S29). This process is performed for each user (C). If the information has been canceled in the process of step S29, the process returns to the process of waiting for registration of the information (step S30).

The expiration date information as the matching result in step S29 is transmitted from the expiration date notification system to the C access means 5 of the user (C) via the communication network 3 (step S31). In the time limit notification system using the communication network 3 as shown in FIG. 1, the transmission means transmits the time limit information via the user (C) request means so that the time limit information is transmitted during the desired reception time zone of the user (C). Will be implemented. Then, the user (C) receives the term information from the term notification system (P) (Step S33). In the receiving process, in the case of the IC card / memory stick 30 which is the portable card for time limit notification shown in FIG. 7, the information is collated with the holder attribute which is the internal information of the IC card / memory stick 30.

As a process subsequent to step S33, when the time limit notification system is the network (NW type) shown in FIG. 1, when the user (C) receives the information from the time limit notification system (P), It is determined whether or not to request the time limit notification system (P) to cancel the information reception (step S35). When the cancellation is requested, the time limit notification system (P) uses the request of the user (C). Stops the transmission of subsequent time limit information (step S
41). On the other hand, as a result of the determination in step S35,
If no cancellation is requested, and if the IC card / memory stick 30 shown in FIG. 7 is used as a process subsequent to step S33, the expiration date information is received by the IC reader / writer 35 provided at an ATM, a ticket gate, or the like. Is performed (step S37), and the user (C) performs a pop-up display on the terminal owned by the user (step S39).

The system provider (P) implementing the deadline notification system can obtain the following business revenue, for example. The system provider (P) is (1)
Commissions from financial institutions (B), qualifying businesses (H), creditors (claimants), etc. (S), (2) financial institutions (B),
Consideration for providing CM to user (C) from qualifying business operator (H), creditor (claimer), etc. (S) and to system provider business (P), (3) Usage fee for user (C) , (4) Others are acquired. That is, the usage fee of the deadline notification system is not charged to the user (C), and the financial institution (B) and the qualifying business operator (H), which are the senders of the deadline information, to the system provider (P). , Creditors (claimers), etc. (S), and a third party pays the system provider (P) for the provision of the CM, and furthermore, the user (C) designates the use of The fee can be obtained by automatic debit or the like, or each operator can be selected. Note that, in the case of the IC card / memory stick 30 that is a time limit notification portable card shown in FIG.
(1) Payment is made to a terminal equipment installation company such as an ATM or a ticket gate for transportation, and (1) an IC card / memory stick 3
Debiting from the electronic cash registered in “0” or the like may also be in a form that allows selection for each business operator.

As described above, in the deadline notification system and the deadline notification portable card according to the present embodiment, the user does not need to actively manage the deadline, and the system manages the schedule in a secretary manner. Effective for preventing revocation. In the case of automatic debit of a financial institution, necessary funds can be provided without waiting for an NG notification from the financial institution, thereby contributing to the maintenance of personal credit. Further, it is possible to confirm a scheduled date of a class or an event, thereby preventing loss of opportunity.

In addition, as for the business, the communication network 3 shown in FIG.
In the case of a user who uses a deadline notification system that uses a service, a service provider using mail or the like can greatly reduce the communication service cost of using the communication. Also,
The financial institution leads to a reduction in the number of NG payers when the first payment deadline is reached, and can reduce administrative costs and risks.

[0052]

As described above, according to the present invention,
Receiving the term management target information from the user terminal, acquiring the term information for the term management target information, storing the term information in the database in association with the term management target information, comparing the term information with the current date and time, When it is determined that the time limit is within the predetermined range, the user terminal is notified that the time limit is within the predetermined range. There is no need to do this, and the system manages the expiration date secretly and accurately in the system.
Loss of important qualifications and the like will not be lost, and even in automatic debit of a financial institution, necessary funds can be paid without waiting for NG notification from the financial institution, which can contribute to maintaining personal trust. In addition, it is possible to prevent a schedule or event from being forgotten and to prevent loss of opportunity. Furthermore, notifying institutions such as financial institutions can significantly reduce the cost of notification services as compared to conventional postal services, and financial institutions can reduce the number of NG payers, thereby reducing administrative costs and risks. it can.

According to the present invention, the time limit management target information input from the external device connected to the card / memory stick via the connection means is stored, and the time limit information corresponding to the time limit management target information is stored. Since the time limit information is received from the external device and stored in correspondence with the time limit management target information, the time limit information for each of the stored time limit management target information is read out and browsed, so that each time limit is properly managed. Can be.

Further, according to the present invention, the expiration date information is compared with the current date and time in the expiration date notification portable card to determine whether or not the expiration date is within a predetermined range. If it is determined that the deadline management has been performed, the user simply stores the deadline management target information and the corresponding deadline information in the card he carries, and the deadline management can be performed without actively performing the deadline management by himself. It is performed properly, and it is no longer possible to lose important qualifications, etc. due to forgetting the deadline as in the past.

According to the present invention, the expiration date notification card receives the expiration date information for the expiration date management target information from the expiration date notification organization via the network from the external device, and notifies the expiration date that the expiration date is within the predetermined range. Since the user is presented from the external device, the user of the expiration notification mobile card can connect the card / memory stick to an external device such as a mobile terminal, an IC reader / writer, or a personal computer / TV so that the expiration of the expiration date is appropriate. It is possible to know exactly, without having to actively manage the deadline by the user itself, the deadline management will be performed properly, and it will not be possible to forget the deadline and lose important qualifications etc. as in the past .

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a deadline notification system according to an embodiment of the present invention.

FIG. 2 is a diagram showing information of a user (C), a financial institution (B), a qualifying business operator (H), a creditor (claimer), etc. (S) stored in each genus information database.

FIG. 3 is a diagram schematically showing an operation of the time limit notification system shown in FIG. 1;

FIG. 4 is a diagram showing a configuration of information registered in advance in a time limit notification system (P) from a user (C) in the time limit notification system shown in FIG.

FIG. 5 is an explanatory diagram showing a flow of term information in the term notification system shown in FIG. 1;

6 is a diagram showing a configuration of desired information extracted by a user (C) in the time limit notification system shown in FIG.

FIG. 7 is a diagram showing a configuration and a flow of information of a time limit notification portable card according to another embodiment of the present invention.

FIG. 8 is a flowchart showing the operation of the deadline notification system shown in FIG. 1 and the IC card which is the deadline notification portable card shown in FIG.

[Explanation of Signs] 1 Expiration date notification device 3 Communication network 5 Access means for C 7 Access means for B 9 Access means for S 11 Access means for S 21 Matching processing unit 23 Expiration date information database 25 C attribute information database 27 B attribute Information Database 29 H Information Database 30 H IC Card / Memory Stick 31 S Information Database 33 Mobile Terminal 35 IC Reader / Writer 37 Personal Computer / TV

Claims (4)

[Claims] 1. A user manages expiration date information targeted by a user,
A time limit notification system that notifies a user of the time limit when the time limit has arrived, and receives user information input from the user terminal and time limit management target information in response to access from the user terminal via the network. Receiving means; term information acquiring means for acquiring term information for the received term management information; a database for accumulating the acquired term information in association with the user information and term management information; and accumulating in the database. Expiration date determining means for comparing the current date and the time limit information with respect to the obtained time limit management target information to determine whether the time limit is within a predetermined range; and, as a result of the determination, the time limit is within the predetermined range. If it is determined that the time limit of the time limit management target information is within the predetermined range, Expiration Notification system; and a notifying means for notifying that there is. 2. A term notification portable card carried by a user and storing term information targeted by the user, comprising: a connection unit for connecting to an external device; and an external device connected via the connection unit. Storage means for storing the time limit management target information input from the storage device; receiving the time limit information corresponding to the time limit management target information from the external device via the connection means; A deadline notification mobile card, comprising: storage control means for controlling storage in a storage device. 3. A time limit arrival determining means for comparing time limit information for time limit management target information stored in the storage means with a current date and time to determine whether or not the time limit is within a predetermined range. 3. The expiration date notification portable card according to claim 2, further comprising a notification unit that, when the determination result indicates that the expiration date has come within a predetermined range, notifies the purport. 4. The storage control means includes a time limit information receiving means for accessing a time limit notification organization from the connection means and the external device via a network, and receiving time limit information for the time limit management target information from the time limit notification organization. The notifying unit includes a transmitting unit that transmits the notification to the external device via the connecting unit. The external device includes a receiving unit that receives the notification transmitted from the transmitting unit; 4. A deadline notification mobile card according to claim 3, further comprising: a presentation unit for presenting the notification.