JP2017033091A - Withdrawable account suggestion device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support a selection of an account for withdrawing a certain amount of money when a user fails to withdraw the certain amount of money due to insufficient funds in one account of a plurality of accounts held by the user, or when it is predicted to fail the withdrawal.SOLUTION: When a user fails to withdraw a charge due to insufficient funds in one account of a plurality of accounts held by the user, an account specification part 114 of an account management server 10 specifies accounts for transferring the charge to the one account, from the plurality of accounts excluding the one account. A display control part 115 causes a display part to display the accounts specified by the account specification part 114 in order according to a use situation of the accounts.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a technique for supporting selection of an account to be used when a user owns a plurality of accounts.

  Conventionally, a system has been used in which an account balance in a financial institution such as a bank is monitored and a depositor is notified of the failure in debiting due to a shortage of balance. For example, Patent Document 1 describes a payment management apparatus that displays a list of payments scheduled to be withdrawn from a payer's account. The payment list displayed on the payment management apparatus also displays payments that could not be withdrawn due to insufficient balance.

JP 2004-295302 A

  According to the payment management device described in Patent Document 1, the payer can check the payment that could not be withdrawn due to insufficient balance by referring to the payment list. However, the apparatus does not have a mechanism for proposing to the payer a withdrawal account for making a payment that could not be withdrawn due to insufficient balance. In the first place, Patent Document 1 does not assume a case where a payer owns a plurality of accounts.

  The present invention has been made in view of such circumstances, and a case in which one of a plurality of accounts owned by a user fails to withdraw a certain amount due to a shortage of balance or a failure of the withdrawal is predicted. The purpose is to support the selection of an account for withdrawing the amount.

  The present invention excludes the one account when the withdrawal of the first amount fails due to a shortage of balance in one of a plurality of accounts owned by the user, or when the failure of the withdrawal is predicted. Two or more accounts for transferring at least a part of the first amount to the one account, or at least a part of the first amount in place of the one account, from a plurality of accounts A withdrawal account proposing device comprising: an account specifying unit that specifies two or more accounts for displaying; and a display control unit that displays the two or more specified accounts on the display unit in an order according to the usage status of the account I will provide a.

  In a preferred embodiment, the display control unit displays the two or more accounts on the display unit in descending order of the difference between the account balance and the amount of money to be withdrawn or predicted from the account within a predetermined period. Let

  In another preferable aspect, the display control unit causes the display unit to display the two or more accounts in descending order of the minimum balance in the past predetermined period of the accounts.

  In another preferred embodiment, the display control unit displays the two or more accounts on the display unit in descending order of the withdrawal frequency.

  In another preferable aspect, the display control unit causes the display unit to display the two or more accounts in ascending order in which the number of automatic withdrawals of money from the account is set.

  In another preferable aspect, the display control unit is a screen for transferring the first amount from the account selected by the user among the two or more accounts to the one account, A screen in which the first amount is preset as a candidate for the amount to be transferred from the selected account is further displayed on the display unit.

  In another preferable aspect, the two or more accounts are accounts whose difference is less than the first amount.

  In another preferred embodiment, the two or more accounts are accounts whose total difference is equal to or more than the first amount.

  In another preferable aspect, the display control unit is a screen for transferring a part of the first amount from each of the two or more accounts to the one account, and each transfer instruction Is further displayed on the display unit.

  According to the present invention, when one of a plurality of accounts owned by a user fails to withdraw an amount due to a shortage of balance, or when the withdrawal is predicted to be withdrawn, the amount is withdrawn. Can help you select an account for.

It is a figure which shows an example of a structure of the account management system. 2 is a diagram illustrating an example of a configuration of an account management server 10. FIG. It is a figure which shows an example of the account management table 121. FIG. It is a figure which shows an example of the keyword table. It is a figure which shows an example of the deposit / withdrawal list L1. It is a figure which shows an example of the withdrawal account candidate list L2. 3 is a block diagram illustrating an example of a configuration of a communication terminal 20. FIG. It is a sequence diagram which shows an example of the bank transaction process via a network. It is a figure which shows an example of a screen transition. It is a figure which shows an example of a screen transition. It is a flowchart which shows an example of a payment account candidate determination process. It is a flowchart which shows an example of a payment account candidate determination process. It is a flowchart which shows an example of a surplus amount specific process. It is a flowchart which shows an example of a credit card withdrawn scheduled amount specific process. It is a flowchart which shows an example of the deduction plan amount specific process of a utility bill. It is a flowchart which shows an example of the withdrawal prediction amount specific process based on schedule information. It is a flowchart which shows an example of the withdrawal prediction amount specific process based on the browsing history of a web page. It is a figure which shows an example of the method of setting transfer amount. It is a flowchart which shows an example of the display control process of a transfer screen. It is a flowchart which shows the other example of a payment account candidate determination process. It is a figure which shows an example of a withdrawal account candidate list screen.

1. Embodiment 1-1. Configuration of Account Management System 1 FIG. 1 is a diagram illustrating an example of a configuration of an account management system 1 according to an embodiment of the present invention. The account management system 1 is a system for managing a bank account of a user of the communication terminal 20. As shown in FIG. 1, the account management system 1 includes an account management server 10, one or more communication terminals 20, bank servers 30A, 30B, and 30C (hereinafter collectively referred to as “bank server 30”). , Card company servers 40A and 40B (hereinafter collectively referred to as “card company server 40”), electric power company server 50, gas company server 60, water company server 70, and schedule information database 80 (hereinafter referred to as “card company server 40”). , Abbreviated as “schedule information DB 80”) and an EC (Electronic Commerce) server 90. These devices are connected to each other via a communication line 100. The communication line 100 is configured by, for example, the Internet, a mobile phone network, or a wireless LAN (Local Area Network).

  The account management server 10 is a server device that manages the account balance of one or more bank accounts owned by the user of the communication terminal 20. The account management server 10 provides an account aggregation service to the user of the communication terminal 20. The account management server 10 is an example of a “withdrawal account proposal device” according to the present invention.

  The communication terminal 20 is a computer device owned by a depositor who has one or more accounts in a bank. Specifically, it is a portable electronic device such as a smartphone, a mobile phone, and a tablet terminal. Alternatively, it is a stationary electronic device such as a personal computer.

  The bank server 30 is a server device managed by a bank, and includes an account information database that manages depositor's account information and a transaction information database that manages depositor's transaction history information. The bank server 30 notifies the account balance of the user of the communication terminal 20 in response to a request from the account management server 10.

  The card company server 40 is a server device managed by a credit card company and includes a transaction information database that manages contractor transaction history information. In response to a request from the account management server 10, the card company server 40 notifies the credit card withdrawal scheduled amount of the user of the communication terminal 20.

  The electric power company server 50 is a server device managed by the electric power company, and includes a contractor information database for managing the power usage status of the contractor. In response to a request from the account management server 10, the power company server 50 notifies the scheduled deduction amount of the power charge of the user of the communication terminal 20.

  The gas company server 60 is a server device managed by the gas company, and includes a contractor information database that manages the gas usage status of the contractor. In response to a request from the account management server 10, the gas company server 60 notifies the scheduled withdrawal amount of the gas charge of the user of the communication terminal 20.

  The water company server 70 is a server device managed by the water company, and includes a contractor information database that manages the usage status of the contractor's water supply. In response to a request from the account management server 10, the water utility server 70 notifies the scheduled withdrawal amount of the water charge of the user of the communication terminal 20.

  The schedule information DB 80 is a database that manages schedule information of users of the communication terminals 20. The schedule information includes, for example, a date, a start time, an end time, and event contents. Registration and update of schedule information in the schedule information DB 80 are executed by the account management server 10 in this embodiment. Note that the schedule information managed in the schedule information DB 80 may be synchronized with schedule information managed using another schedule service.

  The EC server 90 is a server device managed by a seller who conducts electronic commerce, and distributes a web page on which products to be sold are posted. The EC server 90 manages a wish list (or a wish list, a watch list, a favorite, a shopping cart, a shopping basket) for each user of the communication terminal 20, and is a web page browsed by the user of the communication terminal 20. In particular, the URL (Uniform Resource Locator) of the web page selected by the user as the web page on which the purchase consideration product is posted is listed and managed. The EC server 90 provides a wish list of the user of the communication terminal 20 in response to a request from the account management server 10.

1-2. Configuration of Account Management Server 10 FIG. 2 is a diagram illustrating an example of the configuration of the account management server 10. As shown in FIG. 2, the account management server 10 is generally configured by a control unit 11, a storage unit 12, and a communication unit 13.

  The control unit 11 includes an arithmetic processing device such as a CPU (Central Processing Unit) and a memory. The CPU realizes various functions to be described later by executing a program stored in the memory or the storage unit 12.

  The storage unit 12 is a storage device such as a hard disk. The storage unit 12 may be detachable from the account management server 10. The storage unit 12 stores programs executed by the CPU and various data. The storage unit 12 stores an account management table 121. This account management table 121 is for managing, for each bank account owned by the user of the communication terminal 20, the deposit information scheduled to be transferred to the bank account and the withdrawal information scheduled to be withdrawn from the bank account. It is a table.

  FIG. 3 is a diagram illustrating an example of the account management table 121. As shown in FIG. 3, the account management table 121 is generally configured by account basic information 1211, deposit schedule information 1212, and withdrawal schedule information 1213. The basic account information 1211 includes a bank ID, a branch ID, a user ID (or an account holder name), and an account number. The payment schedule information 1212 includes a transfer date and a transfer amount. As the type of payment, for example, salary and pension are conceivable. In this embodiment, salary is assumed. As the salary amount (that is, the transfer amount), for example, an approximate amount is set in advance by the user.

  The withdrawal schedule information 1213 includes credit card information 12131, electricity bill information 12132, gas bill information 12133, and water bill information 12134. The credit card information 12131 includes a card company ID, a card number, a closing date, and a withdrawal date. A plurality of credit card information 12131 may be registered. The electricity bill information 12132 includes an electric power company ID, a meter reading date, and a withdrawal date. The gas fee information 12133 includes a gas company ID, a meter reading date, and a withdrawal date. The water rate information 12134 includes a water company ID, a meter reading date, and a withdrawal date.

  The storage unit 12 also stores a keyword table 122. The keyword table 122 is a table for associating a predetermined amount with a keyword that may appear in the schedule book. This keyword table 122 is used in a withdrawal expected amount specifying process based on schedule information, which will be described later. By referring to this keyword table 122, the amount of money required for a future event registered in the schedule book is predicted.

  FIG. 4 is a diagram illustrating an example of the keyword table 122. As shown in FIG. 4, the keyword table 122 includes a plurality of records in which keywords and amounts are associated with each other. In the keyword field, words indicating events that can be registered in the schedule book are entered. In the amount field, an amount (for example, a market price) required for the event indicated by the corresponding keyword is input.

  Next, the communication unit 13 is a communication interface such as a data communication card. The communication unit 13 controls data communication with other devices via the communication line 100.

  Next, a configuration of functions realized by the control unit 11 will be described. When the program is executed by the CPU of the control unit 11, as shown in FIG. 2, the debit amount specifying unit 111, the margin specifying unit 112, the determining unit 113, the account specifying unit 114, and the display are roughly displayed. The function of the control unit 115 is realized.

  The withdrawal amount specifying unit 111 specifies the amount of money that has failed to be withdrawn from the bank account of the user of the communication terminal 20. At that time, the debit amount specifying unit 111 specifies the amount of money that has failed to be deducted based on the account information and transaction history information acquired from the bank server 30 via the communication unit 13.

  The surplus amount specifying unit 112 specifies a bank account other than the bank account that failed to withdraw charges from among the bank accounts owned by the user of the communication terminal 20 with reference to the account management table 121. In other words, a bank account that can be a candidate bank account for transferring the fee is specified for a bank account that has failed to withdraw the fee. As shown in FIG. 2, the allowance amount specifying unit 112 includes an account balance specifying unit 1121, a scheduled deposit amount specifying unit 1122, a scheduled withdrawal amount specifying unit 1123, a predicted withdrawal amount specifying unit 1124, a margin It is comprised by the amount calculation part 1125.

  The account balance specifying unit 1121 specifies the account balance of the bank account of the user of the communication terminal 20. Specifically, the bank server 30 is inquired via the communication unit 13 to specify the account balance of the bank account.

  The planned deposit amount specifying unit 1122 identifies a planned deposit amount that is an amount scheduled to be deposited into the bank account of the user of the communication terminal 20. As the scheduled deposit amount, a scheduled transfer amount of regular income such as salary, pension, and remittance can be considered. In this embodiment, the scheduled transfer amount of salary is specified. Specifically, the planned deposit amount specifying unit 1122 refers to the account management table 121, identifies the transfer amount and the transfer date, and associates them with the deposit / withdrawal list L1. Here, the deposit / withdrawal list L1 is a list for registering the scheduled deposit amount, the scheduled withdrawal amount and the estimated withdrawal amount for the bank account of the user of the communication terminal 20. The deposit / withdrawal list L1 is stored in, for example, a RAM (Random Access Memory) included in the control unit 11.

  FIG. 5 is a diagram showing an example of the deposit / withdrawal list L1. As shown in FIG. 5, the deposit / withdrawal list L <b> 1 includes a plurality of records in which dates, deposit / withdrawal types, and amounts are associated with each other. Each record is arranged, for example, in time series (more specifically, in ascending date order). In the date field, the deposit date or withdrawal date is entered. In the field of the deposit / withdrawal type, information indicating whether the deposit or withdrawal is entered. For example, a Boolean variable is input. A deposit amount or a withdrawal amount is entered in the amount field. The deposit / withdrawal list L1 is initialized every time a margin specifying process described later is executed.

  The scheduled withdrawal amount specifying unit 1123 identifies the scheduled withdrawal amount that is an amount scheduled to be withdrawn from the bank account of the user of the communication terminal 20. More specifically, the credit card withdrawal scheduled amount and the utility fee scheduled withdrawal amount are specified. Here, the public charges are an electric charge, a gas charge, and a water charge in this embodiment. When specifying the credit card withdrawal schedule amount, the card company server 40 of the card company that is the credit card issuer is inquired via the communication unit 13, and the identified withdrawal schedule amount and the amount are identified. Is registered in the deposit / withdrawal list L1 in association with the date of withdrawal. When specifying the scheduled deduction amount of the utility bill, the server of the business operator who is the billing source of the utility fee is inquired via the communication unit 13, and the identified deduction planned amount and the amount are deducted. The date is associated and registered in the deposit / withdrawal list L1. Note that the scheduled withdrawal amount that can be specified by the scheduled withdrawal amount specifying unit 1123 includes communication charges, rent, mortgages, insurance premiums, taxes, etc., in addition to credit card usage fees and public charges.

  The estimated withdrawal amount specifying unit 1124 identifies an estimated withdrawal amount, which is an amount that is expected to be withdrawn from the bank account of the user, based on information on the future behavior of the user of the communication terminal 20. Here, the information regarding the future action of the user is, for example, information regarding the future event registered in the scheduler of the user. Or it is the history information of the web page browsed in order to select the goods for purchase by the user. When specifying the withdrawal amount based on information on a future event registered in the scheduler, the amount corresponding to the event is identified with reference to the keyword table 122, the identified amount and the date of the event Are registered in the deposit / withdrawal list L1. Here, the scheduler is software for managing a schedule. On the other hand, when the expected withdrawal amount is specified based on the history information of the browsed web page, the amount of goods registered in the wish list stored in the EC server 90 is associated with a predetermined date. Register in the gold list L1. Note that in this specification, the term “product” refers to goods or services that are the object of commercial transactions, and the goods may be tangible or intangible (for example, digital content).

  The allowance calculating unit 1125 compares the account balance specified by the account balance specifying unit 1121 with the estimated withdrawal amount specified by the estimated withdrawal amount specifying unit 1124, thereby allowing the allowance of the bank account to be processed. Is identified. More specifically, the surplus amount calculation unit 1125 adds or subtracts the amount registered in the deposit / withdrawal list L1 to the above account balance in ascending date order (that is, in order of occurrence date), Identify the minimum amount that can be obtained in the course of the calculation. That is, an account balance that never falls below while deposits and withdrawals registered in the deposit / withdrawal list L1 are sequentially performed is specified. At this time, the deposit is added to the account balance, and the withdrawal is subtracted from the account balance.

  Next, the determination unit 113 determines whether or not the allowance specified by the allowance specifying unit 112 is equal to or more than the deduction amount specified by the deduction amount specifying unit 111. As a result of this determination, when the surplus amount is equal to or greater than the withdrawal amount, the determination unit 113 associates the account number of the bank account to be processed with the surplus amount and registers it in the withdrawal account candidate list L2. On the other hand, as a result of this determination, if the surplus amount is less than the withdrawal amount, the determination unit 113 associates the account number of the bank account to be processed with the surplus amount and registers it in the withdrawal account candidate list L3. . That is, a bank account that can cover the withdrawal amount only with the surplus amount of the account is registered in the withdrawal account candidate list L2, and a withdrawal amount is obtained only with the surplus amount of the account in the withdrawal account candidate list L3. Bank accounts that cannot be covered are registered.

  FIG. 6 is a diagram showing an example of the withdrawal account candidate list L2. As shown in FIG. 6, the withdrawal account candidate list L2 is composed of a plurality of records in which an account number of a bank account is associated with a surplus. Each record is arranged in descending order of margin. The structure of the withdrawal account candidate list L3 is the same as that of the withdrawal account candidate list L2.

  If the account identification unit 114 fails to withdraw charges due to insufficient balance in one of the plurality of accounts owned by the user, the account specifying unit 114 selects the one account from the plurality of accounts other than the one account. The account for transferring at least a part of the above fee is specified. Specifically, the account specifying unit 114 refers to the withdrawal account candidate list L2 or L3, and specifies the account number of the registered bank account and its margin. At that time, when the account numbers of a plurality of bank accounts are registered, the registration order is also specified.

  The display control unit 115 causes the display unit to display the account specified by the account specifying unit 114 in an order corresponding to the usage status of the account. Specifically, the accounts specified by the account specifying unit 114 are displayed on the communication terminal 20 in descending order of the difference between the account balance and the amount expected to be withdrawn from the account within a predetermined period. This is displayed on the unit 24. In other words, they are displayed in order of increasing margin. When displaying a plurality of accounts on the display unit 24, the plurality of accounts may be accounts whose difference is less than the deduction amount specified by the deduction amount specifying unit 111. More specifically, it may be an account in which each of the above differences is smaller than the deduction amount, and the sum of the differences is equal to or more than the deduction amount.

  The display control unit 115 is identified by the withdrawal amount identifying unit 111 for an account that has failed to withdraw charges from the account selected by the user among the accounts identified by the account identifying unit 114 due to insufficient balance. A screen for transferring the deduction amount is displayed on the display unit 24. On this screen, the deduction amount is set in advance as a candidate for the amount to be transferred from the selected account.

1-3. Configuration of Communication Terminal 20 FIG. 7 is a block diagram illustrating an example of the configuration of the communication terminal 20. As shown in FIG. 7, the communication terminal 20 generally includes a control unit 21, a storage unit 22, an operation unit 23, a display unit 24, and a communication unit 25. The control unit 21 includes an arithmetic processing unit such as a CPU and a memory. The storage unit 22 is a storage device such as a flash memory or a hard disk. The operation unit 23 is, for example, a touch sensor that is arranged on the display surface of the display unit 24. The display unit 24 is a display device such as a liquid crystal display. The communication unit 25 is a communication interface such as a data communication card.

  In the communication terminal 20, when the program is executed by the CPU of the control unit 21, as shown in FIG. 7, the operation area specifying unit 211, the position specifying unit 212, the calculation specifying unit 213, and the calculating unit 214 The function of the display control unit 215 is realized. These functions are used in a transfer screen display control process to be described later.

  The operation area specifying unit 211 specifies an area in which an operation by the user of the communication terminal 20 is accepted on the screen displayed on the display unit 24. At that time, the operation region specifying unit 211 specifies the region based on the coordinate data output from the operation unit 23. More specifically, the operation area specifying unit 211 specifies an area operated by a flick operation by the user from the first numerical value setting field and the second numerical value setting field displayed on the display unit 24. At that time, the region where the start point of the flick operation is located is specified.

  The place specifying unit 212 specifies the place of a numerical value of a plurality of digits corresponding to an area where an operation by the user of the communication terminal 20 is accepted. At that time, the position specifying unit 212 specifies the position of the numerical value based on the coordinate data output from the operation unit 23. More specifically, the position specifying unit 212 specifies the position of a numerical value of a plurality of digits corresponding to the area operated by the flick operation by the user. At that time, the region where the start point of the flick operation is located is specified.

  The calculation specifying unit 213 specifies a calculation method instructed by an operation by a user of the communication terminal 20. At that time, the calculation specifying unit 213 specifies the calculation method based on the coordinate data output from the operation unit 23. More specifically, the calculation specifying unit 213 specifies the direction of the flick operation by the user, and determines that the subtraction is performed if the flick operation has a downward component, and the flick operation has an upward component. Judged as addition.

  The calculating unit 214 performs the calculation specified by the calculation specifying unit 213 on the numerical value of the area specified by the operation area specifying unit 211. At this time, the value added to or subtracted from the numerical value is a numerical value (1, 10, 100, 1000, etc.) representing the position specified by the position specifying unit 212. On the other hand, the calculation unit 214 performs an operation opposite to the operation specified by the operation specifying unit 213 on the numerical value of the area not specified by the operation area specifying unit 211. At this time, the value added to or subtracted from the numerical value is a numeric value representing the position specified by the position specifying unit 212.

  The display control unit 215 updates the screen displayed on the display unit 24 based on the value calculated by the calculation unit 214. Specifically, the numerical values set in the first numerical value setting field and the second numerical value setting field are updated by the value calculated by the calculating unit 214.

1-4. Operation The operation of the account management system 1 will be described. Specifically, bank transaction processing (that is, online banking processing) via a network will be described.

  FIG. 8 is a sequence diagram illustrating an example of bank transaction processing via a network. 9 and 10 are diagrams showing an example of screen transition during execution of this process. Hereinafter, bank transaction processing via a network will be described with reference to these drawings.

  When the user of the communication terminal 20 executes an online banking application stored in the storage unit 22, the control unit 21 of the communication terminal 20 requests screen data of the TOP screen of the application from the account management server 10. (Step Sa1). Upon receiving this request, the control unit 11 of the account management server 10 generates screen data of the TOP screen and transmits it to the communication terminal 20 (step Sa2). At that time, the control unit 11 of the account management server 10 refers to the account management table 121 to identify the transaction bank of the user of the communication terminal 20, and stores the account information, transaction history information, and the transaction information in the bank server 30 of the identified transaction bank. And a TOP screen is generated based on the information. The control unit 21 of the communication terminal 20 that has received the screen data of the TOP screen causes the display unit 24 to display the TOP screen. Note that the account information and transaction history information of the user of the communication terminal 20 may be acquired in advance from the bank server 30 and stored in the account management server 10.

  FIG. 9A shows an example of the TOP screen. On the TOP screen, as shown in FIG. 9A, the total asset amount and the difference between the target amount are displayed. The total asset amount is the total amount of account balances of all bank accounts owned by the user of the communication terminal 20. The difference from the target amount is the difference between the target amount set in advance by the user of the communication terminal 20 and the total asset amount. In addition, an account list tab T1, a household account book tab T2, and a target tab T3 are displayed on the TOP screen.

  When the user selects the account list tab T1 or the display area in which the total asset amount is displayed on this TOP screen, the control unit 21 of the communication terminal 20 transfers the screen data of the account list screen to the account management server 10. The request is made (step Sa3). The control unit 11 of the account management server 10 that has received this request generates screen data of the account list screen and transmits it to the communication terminal 20 (step Sa4). At that time, the control unit 11 of the account management server 10 generates an account list screen based on the account information and transaction history information acquired from the bank server 30 in step Sa2. The control unit 21 of the communication terminal 20 that has received the screen data of the account list screen causes the display unit 24 to display the account list screen.

  FIG. 9B is a diagram illustrating an example of an account list screen. As shown in FIG. 9B, the account list screen displays the total balance and the account balance of each bank. The total balance corresponds to the total asset amount described above. In addition, an icon M is displayed on the account list screen in association with a bank account that has failed to withdraw charges due to insufficient balance. The account list screen shown in FIG. 9 (b) warns that the bank account of B bank has failed to withdraw charges due to insufficient balance.

  When the icon M is selected by the user on the account list screen, the control unit 21 of the communication terminal 20 requests screen data of the withdrawal account candidate list screen from the account management server 10 (step Sa5). This withdrawal account candidate list screen is a screen that displays a list of bank account candidates for transferring the withdrawal amount to a bank account that has failed to withdraw charges. The control unit 11 of the account management server 10 that has received this request determines a withdrawal account candidate and its display order when generating screen data of the withdrawal account candidate list screen (step Sa6).

  11 and 12 are flowcharts showing an example of a withdrawal account candidate determination process. In step Sb1 of this process, the debit amount identifying unit 111 of the account management server 10 identifies the amount of money that has been unsuccessfully deducted from the bank account of the user of the communication terminal 20 (hereinafter referred to as “deduction amount”). At that time, the withdrawal amount specifying unit 111 specifies the withdrawal amount based on the account information and transaction history information acquired from the bank server 30 in step Sa2.

  Next, the surplus amount specifying unit 112 of the account management server 10 refers to the account management table 121 for bank accounts other than the bank account in which the withdrawal amount has failed to be withdrawn from among the bank accounts owned by the user of the communication terminal 20. (Step Sb2). In other words, a bank account that can be a bank account candidate for transferring the deduction amount is specified for a bank account that has failed to debit the fee. In this step, the margin specifying unit 112 may exclude bank accounts whose account balance is less than a predetermined amount.

  Next, the surplus amount specifying unit 112 specifies a surplus amount for each of the bank accounts specified in step Sb2. In performing this process, the surplus amount specifying unit 112 sets the variable i of the loop process to the initial value “1”, and sets the number of bank accounts specified in step Sb2 as the final value n (step Sb3).

  Next, the surplus amount specifying unit 112 specifies the surplus amount of the i-th bank account (that is, the bank account to be processed) (step Sb4). Specifically, the amount of money that can be withdrawn without causing a shortage of balance is specified in consideration of the scheduled deposit amount, the scheduled withdrawal amount, and the estimated withdrawal amount for the bank account to be processed.

  FIG. 13 is a flowchart illustrating an example of a margin amount specifying process. In step Sc1 of this process, the account balance specifying unit 1121 specifies the account balance of the bank account being processed.

  Next, the scheduled deposit amount specifying unit 1122 identifies the scheduled transfer amount of salary (Step Sc2). More specifically, the salary amount scheduled to be transferred to the bank account to be processed is specified with reference to the account management table 121. When the salary amount is specified, the scheduled deposit amount specifying unit 1122 associates the specified salary amount with the date on which the amount is transferred (that is, the transfer date) and registers it in the deposit / withdrawal list L1.

  Next, the scheduled withdrawal amount specifying unit 1123 specifies the scheduled withdrawal amount of the credit card (Step Sc3). More specifically, for each credit card in which the bank account to be processed is a withdrawal account, the withdrawal amount that has already been confirmed is identified with reference to the account management table 121.

  FIG. 14 is a flowchart illustrating an example of a credit card withdrawal scheduled amount specifying process. In step Sd1 of this process, the scheduled withdrawal amount specifying unit 1123 determines whether or not there is a credit card whose bank account to be processed is a debit account. If the result of this determination is that there is no credit card (step Sd1: NO), the scheduled withdrawal amount specifying unit 1123 ends this processing.

  On the other hand, if the result of this determination is that there is a credit card (step Sd1: YES), the scheduled withdrawal amount specifying unit 1123 determines whether or not the scheduled withdrawal amount of the credit card has been confirmed (step). Sd2). Specifically, it is determined whether or not the determination time is after the closing date of the credit card and before the withdrawal date. As a result of this determination, when the scheduled withdrawal amount is not confirmed (step Sd2: NO), the scheduled withdrawal amount specifying unit 1123 proceeds to step Sd5.

  On the other hand, as a result of this determination, if the scheduled withdrawal amount is fixed (step Sd2: YES), the scheduled withdrawal amount specifying unit 1123 identifies the scheduled withdrawal amount (step Sd3). Specifically, the card company server 40 of the card company that is the credit card issuer is inquired of the debit amount by showing the card number. When the scheduled withdrawal amount is specified, the scheduled withdrawal amount specifying unit 1123 associates the identified scheduled withdrawal amount with the date on which the withdrawal amount is withdrawn and registers it in the deposit / withdrawal list L1 (step Sd4).

Next, in step Sd5, the scheduled withdrawal amount specifying unit 1123 determines whether or not another credit card exists. If there is no other credit card as a result of this determination (step Sd5: NO), the scheduled withdrawal amount specifying unit 1123 ends this process. On the other hand, if the result of this determination is that there is another credit card (step Sd5: YES), the scheduled withdrawal amount specifying unit 1123 returns to step Sd2, and executes the processing after step Sd2 for the credit card. .
The above is the description of the credit card withdrawal scheduled amount specifying process.

  When the scheduled withdrawal amount of the credit card is specified, the scheduled withdrawal amount specifying unit 1123 next specifies the scheduled withdrawal amount of the utility bill (step Sc4 in FIG. 13). More specifically, with respect to each of the utility charges for which the bank account to be processed is a debit account, the deferred scheduled deduction amount is specified with reference to the account management table 121.

  FIG. 15 is a flowchart illustrating an example of a utility fee deduction scheduled amount specifying process. In step Se <b> 1 of this process, the scheduled withdrawal amount specifying unit 1123 determines whether or not there is a public fee for which the bank account to be processed is a debit account. In the present embodiment, it is determined whether or not any one of the electricity charge, the gas charge, and the water charge is set to be automatically withdrawn from the bank account to be processed. If the result of this determination is that there is no public fee (step Se1: NO), the scheduled withdrawal amount specifying unit 1123 ends this processing.

  On the other hand, as a result of this determination, if there is a public fee (step Se1: YES), the scheduled withdrawal amount specifying unit 1123 determines whether or not the scheduled withdrawal amount of the public fee has been confirmed (step). Se2). Specifically, it is determined whether or not the time point of the determination is after the meter reading date when the scheduled deduction amount of the utility bill is fixed and before the deduction date. As a result of this determination, when the scheduled withdrawal amount is not finalized (step Se2: NO), the scheduled withdrawal amount specifying unit 1123 proceeds to step Se5.

  On the other hand, as a result of this determination, if the scheduled withdrawal amount is confirmed (step Se2: YES), the scheduled withdrawal amount specifying unit 1123 identifies the scheduled withdrawal amount (step Se3). Specifically, the user ID is shown to the server of the business operator who is the billing source of the utility bill, and the scheduled withdrawal amount is inquired. For example, the user ID is shown to the electric power company server 50 of the electric power company to inquire about the scheduled deduction amount of the electricity bill. When the scheduled withdrawal amount is specified, the scheduled withdrawal amount specifying unit 1123 associates the identified scheduled withdrawal amount with the date on which the withdrawal amount is withdrawn, and registers it in the deposit / withdrawal list L1 (step Se4).

Next, the scheduled withdrawal amount specifying unit 1123 determines whether or not there is another utility charge (step Se5). As a result of this determination, if there is no other public fee (step Se5: NO), the scheduled withdrawal amount specifying unit 1123 ends this processing. On the other hand, if the result of this determination is that there is another public fee (step Se5: YES), the scheduled withdrawal amount specifying unit 1123 returns to step Se2 and executes the processes after step Se2 for the public fee. .
The above is the description of the process for specifying the scheduled deduction amount for public utilities.

  When the planned withdrawal amount of the utility bill is identified, the estimated withdrawal amount specifying unit 1124 next identifies the estimated withdrawal amount based on the schedule information of the user of the communication terminal 20 (step Sc5 in FIG. 13). More specifically, the estimated withdrawal amount is specified based on schedule information from the time of the processing to a predetermined period ahead. Here, the predetermined period is, for example, one month.

  FIG. 16 is a flowchart showing an example of a predicted withdrawal amount specifying process based on schedule information. In step Sf1 of this process, the withdrawal expected amount specifying unit 1124 acquires the schedule information of the user of the communication terminal 20. More specifically, the user's schedule information group is acquired from the schedule information DB 80 using the user ID and date information of the user who owns the bank account to be processed as search conditions.

  Next, the withdrawal expected amount specifying unit 1124 determines whether or not schedule information including a keyword is included in the schedule information group acquired in step Sf1 (step Sf2). Here, the keyword is a keyword registered in the keyword table 122. As a result of this determination, if schedule information including a keyword is not included (step Sf2: NO). The estimated withdrawal amount specifying unit 1124 ends this process.

  On the other hand, as a result of the determination, if schedule information including a keyword is included (step Sf2: YES), the estimated withdrawal amount specifying unit 1124 uses an amount corresponding to the keyword included in the schedule information as a keyword. The amount is specified with reference to the table 122, and this amount and the date included in the schedule information are associated with each other and registered in the deposit / withdrawal list L1 (step Sf3).

Next, the estimated withdrawal amount specifying unit 1124 determines whether or not other schedule information including a keyword is included (step Sf4). As a result of this determination, when such schedule information is not included (step Sf4: NO), the withdrawal expected amount specifying unit 1124 ends this processing. On the other hand, as a result of this determination, if such schedule information is included (step Sf4: YES), the withdrawal expected amount specifying unit 1124 returns to step Sf3 and performs the process of step Sf3 on the schedule information. Run.
The above is an explanation of the estimated withdrawal amount specifying process based on the schedule information.

  When the estimated withdrawal amount based on the schedule information is specified, the estimated withdrawal amount specifying unit 1124 next specifies the estimated withdrawal amount based on the browsing history of the web page by the user of the communication terminal 20 (step in FIG. 13). Sc6). More specifically, the estimated withdrawal amount is specified based on the user's wish list stored in the EC server 90.

  FIG. 17 is a flowchart illustrating an example of a predicted withdrawal amount specifying process based on a browsing history of a web page. In step Sg1 of this process, the withdrawal expected amount specifying unit 1124 acquires a wish list of the user of the communication terminal 20. More specifically, the user ID of the user who owns the bank account to be processed is shown, and the user's wish list is acquired from the EC server 90.

Next, the estimated withdrawal amount specifying unit 1124 associates the amount of the purchase-consideration product included in the acquired wish list with a predetermined date and registers it in the deposit / withdrawal list L1 (step Sg2). The predetermined date may be set in advance by the user. For example, a transfer date registered in the account management table 121 (in this embodiment, a transfer date of salary) may be used.
The above is the description of the estimated withdrawal amount specifying process based on the browsing history of the web page.

  When the estimated withdrawal amount based on the browsing history of the web page is specified, the surplus calculation unit 1125 next creates the account balance specified in step Sc1 and the deposit / withdrawal list L1 created as a result of the processing in steps Sc2 to Sc6. Based on the above, the margin of the bank account to be processed is specified (step Sc7 in FIG. 13).

In specifying the surplus amount, the surplus amount calculation unit 1125 adds or subtracts the amount registered in the deposit / withdrawal list L1 to the account balance identified in step Sc1 in ascending order of date (that is, in order of occurrence date). And specify the minimum amount that can be obtained in the course of the calculation. That is, the account balance that never falls below is specified while the withdrawals registered in the deposit / withdrawal list L1 are sequentially performed. At this time, the deposit is added to the account balance, and the withdrawal is subtracted from the account balance.
The above is an explanation of the margin specifying process.

  When the surplus amount is specified, the determination unit 113 next determines whether or not the surplus amount specified in step Sb4 is equal to or more than the deduction amount specified in step Sb1 (step Sb5 in FIG. 11). If the result of this determination is that the surplus amount is equal to or greater than the withdrawal amount (step Sb5: YES), the determination unit 113 associates the account number of the bank account to be processed with the surplus amount, and makes a withdrawal account candidate list Register in L2 (step Sb6). On the other hand, as a result of this determination, if the surplus is less than the withdrawal amount (step Sb5: NO), the determination unit 113 associates the account number of the bank account to be processed with the surplus, Register in the candidate list L3 (step Sb7). In this step, the determination unit 113 may register only the account number of the bank account whose margin amount is equal to or greater than a predetermined amount and the margin amount in the withdrawal account candidate list L3.

  Next, the determination unit 113 increments the value of the variable i of the loop process (step Sb8), and determines whether or not the value of the variable i is larger than the final value n (step Sb9). As a result of this determination, when the value of the variable i is equal to or less than the closing price n (step Sb9: NO), that is, when the processing of steps Sb4 to Sb7 has not been completed for all bank accounts specified in step Sb2. The process returns to step Sb4, and the surplus amount specifying unit 112 specifies the surplus amount of the i-th bank account. On the other hand, if the result of this determination is that the value of the variable i is greater than the closing price n (step Sb9: YES), that is, the processing of steps Sb4 to Sb7 has been completed for all bank accounts identified in step Sb2. In the case, the process proceeds to step Sb10.

  In step Sb10, the account specifying unit 114 determines whether the account number of the bank account is registered in the withdrawal account candidate list L2. If the account number of the bank account is registered as a result of this determination (step Sb10: YES), the account specifying unit 114 specifies the account number of the registered bank account and its margin (step). Sb11), this process ends. At that time, when the account numbers of a plurality of bank accounts are registered, the registration order is also specified.

  On the other hand, if the account number of the bank account is not registered as a result of this determination (step Sb10: NO), the account specifying unit 114 has a plurality of bank account margins registered in the withdrawal account candidate list L3. The sum is summed up to determine whether the debit amount is reached. In making this determination for a combination of account balances of each bank account, the account specifying unit 114 sets the loop processing variable j to the initial value “2” and is registered in the withdrawal account candidate list L3 as the closing price m. The number of bank account numbers is set (step Sb12).

  Next, the account specifying unit 114 totals the surplus amounts of the top j bank accounts registered in the withdrawal account candidate list L3 (step Sb13), and whether or not the total value is equal to or more than the withdrawal amount. Is determined (step Sb14). As a result of this determination, if the total value is equal to or greater than the deduction amount (step Sb14: YES), the account specifying unit 114 determines the account number of the top j bank accounts registered in the withdrawal account candidate list L3. The surplus amount and the registration order are specified (step Sb15), and this process ends.

On the other hand, as a result of this determination, if the total value is less than the deduction amount (step Sb14: NO), the account specifying unit 114 increments the value of the variable j of the loop process (step Sb16), and the value of the variable j Whether or not is larger than the closing price m is determined (step Sb17). If the result of this determination is that the value of the variable j is less than or equal to the closing price m (step Sb17: NO), that is, the margins of all bank accounts registered in the withdrawal account candidate list L3 are still totaled. If not, the account identification unit 114 returns to step Sb13. On the other hand, as a result of this determination, if the value of the variable j is larger than the closing price m (step Sb17: YES), that is, the margins of all bank accounts registered in the withdrawal account candidate list L3 are already totaled. If so, the account identification unit 114 determines that there is no withdrawal account candidate (step Sb18), and ends this process.
The above is an explanation of the withdrawal account candidate determination process.

  When the withdrawal account candidate determination process described above is completed, the display control unit 115 generates screen data of the withdrawal account candidate list screen based on the result of the process, and transmits the screen data to the communication terminal 20 (FIG. 8). Step Sa7). The control unit 21 of the communication terminal 20 that has received the screen data of the withdrawal account candidate list screen causes the display unit 24 to display the withdrawal account candidate list screen.

  FIG. 9C is a diagram showing an example of a withdrawal account candidate list screen. On the withdrawal account candidate list screen, as shown in FIG. 9 (c), information on the fee that has failed to be withdrawn and a list of withdrawal account candidates are displayed. In addition, a return button B5 is displayed. In the list of withdrawal account candidates, the bank accounts of withdrawal account candidates are displayed in descending order.

  When the user selects a display area in which a margin of a specific bank is displayed on the withdrawal account candidate list screen, the control unit 21 of the communication terminal 20 uses the screen data of the transfer screen as the account management server 10. (Step Sa8). Upon receiving this request, the control unit 11 of the account management server 10 generates screen data of the transfer screen and transmits it to the communication terminal 20 (step Sa9). The control unit 21 of the communication terminal 20 that has received the screen data of the transfer screen causes the display unit 24 to display the transfer screen.

  FIG. 10A is a diagram illustrating an example of a transfer screen. As shown in FIG. 10A, a transfer source balance setting field F1, a transfer amount setting field F2, a transfer destination balance display field F3, and a transfer designated date setting field F4 are displayed on the transfer screen. . In addition, a return button B5 and an execution button B6 are displayed.

  In the transfer source balance setting field F1, the account balance of the bank account of the transfer source is set. In the transfer source balance setting field F1, an amount obtained by subtracting the debit amount from the account balance of the bank account is set in advance. Here, the debit amount is the amount specified in step Sa2 of the withdrawal account candidate determination process. In the transfer amount setting field F2, a transfer amount is set. In this transfer amount setting field F2, a debit amount is set in advance. In the transfer destination balance display field F3, the account balance of the bank account of the transfer destination is displayed. In the designated transfer date setting field F4, a designated date for the transfer process is set.

  In addition, in the withdrawal account candidate list screen illustrated in FIG. 9C, when a bank account whose margin is less than the withdrawal amount is selected by the user, the transfer amount setting field F2 includes a withdrawal amount. Instead of the amount, the surplus amount of the transfer source account may be displayed. In the present embodiment, the debit amount is set in advance in the transfer amount setting field F2, but the amount may not be set in advance. Moreover, in the transfer screen illustrated in FIG. 10A, a display field indicating the balance of the transfer destination account after the transfer process may be provided. This display field is displayed, for example, below the transfer destination balance display field F3, and an amount obtained by adding the transfer amount displayed in the transfer amount setting field F2 to the balance of the transfer destination account is displayed.

  FIG. 18 is a diagram illustrating an example of a method for setting the transfer amount in the transfer amount setting field F2. As shown in FIG. 18A, when a downward flick operation is performed on the value “3” of the tens place in the transfer source balance setting field F1, as shown in FIG. 18B. Furthermore, the tens digit value “3” is decremented by “1” to become “2”, while the tens digit value “1” in the transfer amount setting field F2 is incremented by “1” to become “2”. Become. Further, as shown in FIG. 18B, when an upward flick operation is performed on the value “2” in the thousandth place in the transfer amount setting field F2, it is shown in FIG. 18C. As described above, the value “2” of the thousandth place is added with “1” to become “3”, while the value “4” of the thousandth place in the transfer source balance setting field F1 is reduced by “1” to “3”. "

  FIG. 19 is a flowchart illustrating an example of a transfer screen display control process. When a flick operation is detected by the operation unit 23 when the transfer screen illustrated in FIG. 10A is displayed, the operation area specifying unit 211 of the communication terminal 20 displays the transfer source balance setting field F1 and the transfer amount setting field. Of F2, the region operated by the flick operation is specified (step Sh1). At that time, the operation area specifying unit 211 specifies an area where the start point of the flick operation is located.

  Next, the position specifying unit 212 specifies the position operated by the flick operation (step Sh2). At that time, the rank specifying unit 212 specifies the area corresponding to the specific position where the start point of the flick operation is located in the area specified in step Sh1.

  Next, the calculation specifying unit 213 specifies the calculation method instructed by the flick operation (Step Sh3). At that time, the calculation specifying unit 213 specifies the direction of the flick operation. Specifically, a determination is made as to whether the operation is a flick operation having a downward component or an upward component. Subtraction is instructed if the operation is a flick operation having a downward component, and addition is instructed if the operation is a flick operation having an upward component.

  Next, the calculation unit 214 performs the calculation specified in Step Sh3 on the numerical value of the area specified in Step Sh1 (Step Sh4). At this time, the value added to or subtracted from the numerical value is a numerical value (1, 10, 100, 1000, etc.) representing the position specified in step Sh2. For example, when the area specified in step Sh1 is the transfer source balance setting field F1, the position specified in step Sh2 is the tens place, and the calculation specified in step Sh3 is subtraction, the calculation unit 214 subtracts “10,000” from the account balance set in the transfer source balance setting field F1.

  In addition, the calculation unit 214 performs an operation opposite to the operation specified in Step Sh3 on the numerical value of the region not specified in Step Sh1 (Step Sh5). At this time, the value added to or subtracted from the numerical value is a numeric value representing the position specified in step Sh2. For example, when the area specified in step Sh1 is the transfer source balance setting field F1, the position specified in step Sh2 is the tens place, and the calculation specified in step Sh3 is subtraction, the calculation unit In 214, “10,000” is added to the transfer amount set in the transfer amount setting field F2.

The display control unit 215 updates the transfer screen based on the values calculated in steps Sh4 and Sh5 (step Sh6).
This completes the description of the transfer screen display control processing.

  In the transfer screen illustrated in FIG. 10A, when the user sets a desired transfer amount and transfer designated date and selects the execution button B6, the control unit 21 of the communication terminal 20 transfers the transfer source. Then, a transfer processing request including information on the bank account of the transfer destination, the transfer amount, and the transfer designated date is transmitted to the account management server 10 (step Sa10 in FIG. 8). Upon receiving this request, the control unit 11 of the account management server 10 transfers the transfer processing request to the bank server 30 of the withdrawal source bank. Moreover, the control part 11 of the account management server 10 produces | generates the screen data of a transfer acceptance completion screen, and transmits this screen data with respect to the communication terminal 20 (step Sa11). The control unit 21 of the communication terminal 20 that has received the screen data causes the display unit 24 to display a transfer acceptance completion screen.

FIG. 10B is a diagram illustrating an example of a transfer acceptance completion screen. On the transfer acceptance completion screen, as shown in FIG. 10B, a message notifying that the acceptance of the transfer process has been completed, a transfer destination, a transfer amount, and a transfer designated date are displayed.
This completes the description of the bank transaction processing via the network.

  According to the account management system 1 according to the present embodiment described above, when the withdrawal of a certain amount fails due to insufficient balance in one of a plurality of accounts owned by the user, the amount is withdrawn. Can help you select an account for. Moreover, according to this account management system 1, not only the planned withdrawal amount of the credit card or utility bill but also the withdrawal amount predicted based on the schedule information and the browsing history of the web page is specified. Therefore, the occurrence of a shortage of balance in the transfer source account can be prevented more reliably.

2. Modifications The above embodiment may be modified as shown below. Further, the following modifications may be combined with each other.

2-1. Modification 1
In the margin specifying process according to the above-described embodiment (see FIG. 13), the amount that is expected to be paid in the future is added to the account balance of the bank account to be processed, and the amount that is expected or predicted to be withdrawn in the future. The margin is specified by subtracting, but the minimum balance in the bank account in the past predetermined period may be specified as the margin. This is because the minimum balance in the bank account in the past predetermined period is the surplus that has been left unused for the predetermined period. In the case where the minimum balance in the past predetermined period is specified as a surplus amount, the surplus amount specifying unit 112 of the account management server 10 replaces the above-described surplus amount specifying process with the past of the bank account to be processed. Specify the minimum balance within a given period. For example, the minimum balance within the past month is specified. At that time, the surplus amount specifying unit 112 specifies the minimum balance based on the account information and the transaction history information acquired from the bank server 30 via the communication unit 13. In this case, the display control unit 115 displays the accounts specified by the account specifying unit 114 on the display unit 24 of the communication terminal 20 in descending order of the minimum balance in the past predetermined period of the account.

2-2. Modification 2
In the withdrawal account candidate determination process (see FIGS. 11 and 12) according to the above embodiment, the display order of the withdrawal account candidates is determined based on the surplus amount of the bank account. The display order of the withdrawal account candidates may be determined based on the withdrawal frequency. Specifically, a bank account with a relatively high withdrawal frequency may be displayed at the top.

  FIG. 20 is a flowchart showing an example of a withdrawal account candidate determination process according to this variation. Of the steps constituting this process, the same steps as those in the withdrawal account candidate determination process shown in FIGS. 11 and 12 are denoted by the same reference numerals, and the description thereof will be omitted.

  In step Si1, the determination unit 113 of the account management server 10 specifies the account balance of the i-th bank account (that is, the bank account to be processed). Then, it is determined whether or not the specified account balance is equal to or more than the debit amount specified in step Sb1 (step Si2). As a result of this determination, when the account balance is less than the debit amount (step Si2: NO), the determination unit 113 proceeds to step Sb8.

  On the other hand, as a result of the determination, if the account balance is equal to or greater than the debit amount (step Si2: YES), the determination unit 113 specifies the withdrawal frequency of the bank account to be processed (step Si3). For example, the number of withdrawals within the past month is specified. At this time, the determination unit 113 specifies the withdrawal frequency based on the account information and transaction history information acquired from the bank server 30 via the communication unit 13. Then, the determination unit 113 associates the account number of the bank account to be processed with the withdrawal frequency and registers it in the withdrawal account candidate list L4 (step Si4). In the withdrawal account candidate list L4, unlike the withdrawal account candidate list L2 or L3 according to the above embodiment, the withdrawal frequency is registered in association with the account number of the bank account instead of the surplus amount. In the withdrawal account candidate list L4, the records are arranged in descending order of withdrawal frequency.

In step Si5, the account specifying unit 114 determines whether the account number of the bank account is registered in the withdrawal account candidate list L4. As a result of the determination, if the bank account number is registered (step Si5: YES), the account specifying unit 114 specifies the registered bank account account number and its withdrawal frequency ( Step Si6), this process is terminated. At that time, when the account numbers of a plurality of bank accounts are registered, the registration order is also specified. On the other hand, if the bank account number is not registered as a result of this determination (step Si5: NO), the account identification unit 114 determines that there is no withdrawal account candidate (step Si7), and ends this process. To do.
The above is the description of the withdrawal account candidate determination process according to the present modification.

  When this withdrawal account candidate determination process is executed, the display control unit 115 of the account management server 10 displays the accounts identified by the account identification unit 114 on the display unit 24 of the communication terminal 20 in descending order of withdrawal frequency. Will be displayed. In this modified example, the accounts specified by the account specifying unit 114 may be displayed on the display unit 24 in the descending order of the deposit / withdrawal frequency instead of the withdrawal frequency.

2-3. Modification 3
In the withdrawal account candidate determination process (see FIG. 20) according to Modification 2 above, the display order of withdrawal account candidates is determined based on the withdrawal frequency of the bank account. Instead, automatic withdrawal is performed. The display order of withdrawal account candidates may be determined based on the set number. Specifically, a bank account with a relatively small number of automatic withdrawals may be displayed at the top.

  When executing the withdrawal account candidate determination process according to this modification, the number of automatic withdrawals is specified in place of the withdrawal frequency in Step Si3 of the withdrawal account candidate determination process according to Modification 2 above. That's fine. At this time, the determination unit 113 may identify the set number of automatic withdrawals with reference to the account management table 121, for example. In step Si4, instead of the withdrawal frequency, the set number of automatic withdrawals may be registered in the withdrawal account candidate list L4 in association with the account number of the bank account to be processed. At this time, in the withdrawal account candidate list L4, the records are arranged in ascending order of the set number of automatic withdrawals.

  When the withdrawal account candidate determination process is executed, the display control unit 115 of the account management server 10 sets the number of accounts specified by the account specifying unit 114 to which automatic withdrawal of money from the account is set. Are displayed on the display unit 24 of the communication terminal 20 in ascending order.

2-4. Modification 4
The withdrawal account candidate determination process (see FIGS. 11 and 12) according to the above embodiment is executed when the withdrawal of the charge fails due to a shortage of balance in one of the plurality of accounts owned by the user. However, even if it is before the withdrawal has actually failed, it may be executed preliminarily if a withdrawal failure is predicted. As a method for predicting the withdrawal failure, for example, there is a method of executing a margin specifying process (see FIG. 13) for each bank account used by the user of the communication terminal 20. As a result of performing the allowance specifying process, if the specified allowance is a negative value, this means that the account is short of balance. In such a case, the withdrawal account candidate determination process according to the above-described embodiment may be executed in order to transfer the shortage amount in advance to an account with insufficient account balance.

2-5. Modification 5
In the above embodiment, a bank account is assumed as an account managed by the account management system 1, but an account opened in a financial institution other than the bank may also be managed. For example, an account opened at a post office, a credit union, a credit cooperative, a labor union, or the like may be managed.

2-6. Modification 6
The withdrawal account candidate determination process according to the above embodiment (see FIGS. 11 and 12) is for identifying a bank account candidate for transferring at least part of the withdrawal amount to a bank account that has failed to withdraw the fee. Although being performed, the bank account identified as a result of this process may be used to withdraw at least a portion of the debit amount directly from this account. That is, it is not always necessary to debit the debit amount after transferring to a bank account that has failed to debit the fee.

2-7. Modification 7
In the above embodiment, the estimated withdrawal amount specifying unit 1124 of the account management server 10 refers to the wish list of the user of the communication terminal 20 when specifying the estimated withdrawal amount based on the browsing history of the web page. However, other methods may be employed. For example, a product that the user of the communication terminal 20 will purchase in the future may be predicted from a browsing history of a web page using a random forest, and the amount of the product may be specified as a predicted withdrawal amount (for example, Ito) Kotaro, 4 others, "Purchase forecasting by customer segmentation and product scoring", Operations Research, The Operations Research Society of Japan, February 2015, Volume 60, Volume 2, p.75 -80).

2-8. Modification 8
In the above embodiment, the account management server 10 is based on information related to a future event registered in the scheduler of the user of the communication terminal 20, and is a deposit prediction that is an amount that is expected to be deposited into the bank account of the user. You may further provide the deposit prediction amount specific | specification part which specifies an amount. The deposit expected amount specifying unit specifies the amount corresponding to the event with reference to the keyword table 122, and registers the specified amount and the date of the event in the deposit / withdrawal list L1.

2-9. Modification 9
In the above embodiment, a function group (see FIG. 2) realized by the account management server 10 may be provided in a transaction terminal such as an ATM (Automated Teller Machine) or a CD (Cash Dispenser). The function group may be provided in the communication terminal 20.

2-10. Modification 10
In the above embodiment, the program executed by the account management server 10 or the communication terminal 20 may be provided via a computer-readable recording medium. Here, the recording medium is, for example, a magnetic recording medium such as a magnetic tape or a magnetic disk, an optical recording medium such as an optical disk, a magneto-optical recording medium, or a semiconductor memory. The program may be distributed via a network such as the Internet.

2-11. Modification 11
In the withdrawal account candidate determination process according to the above embodiment (see FIGS. 11 and 12), the total amount of all bank accounts registered in the withdrawal account candidate list L3 is not enough to be deducted. (Step Sb17: YES), even in that case, the withdrawal account candidate may be specified. For example, for all bank accounts registered in the withdrawal account candidate list L3, an account number, a margin, and a registration order may be specified.

2-12. Modification 12
In the bank transaction process via the network according to the above embodiment, the transfer process is executed for each bank account selected from the withdrawal account candidates (see FIG. 10A), but the surplus amount is deducted. When only bank accounts that do not satisfy this requirement are presented as withdrawal account candidates, transfer processing from those bank accounts may be executed in a lump. In this way, convenience at the time of performing transfer processing from each of a plurality of bank accounts is improved.

  FIG. 21 is a diagram illustrating an example of a withdrawal account candidate list screen displayed when the present modification is applied. The screen shown in the figure is displayed instead of the screen shown in FIG. 9C, for example. On the screen illustrated in FIG. 21, information on the fee that has failed to be withdrawn and a list of withdrawal account candidates are displayed. In the list of withdrawal account candidates, the bank accounts of withdrawal account candidates are displayed in descending order. In the list of withdrawal account candidates, the margin and transfer amount of each bank account are displayed. The transfer amount is automatically determined according to a predetermined rule. For example, it is determined by apportioning the amount to be deducted according to the allowance of each bank account and the account balance. Alternatively, it is determined by assigning all the surplus amounts to the transfer amount in order from the higher bank account.

  Further, on the screen illustrated in FIG. 21, a return button B5 and a transfer batch execution button B7 are displayed. Here, the transfer batch execution button B7 is a button for executing collectively transfer processing from all bank accounts listed as withdrawal account candidates. When this button is selected, the control unit 21 of the communication terminal 20 sends a transfer processing request including information on all bank accounts of transfer sources, information on transfer amounts, and information on transfer destination bank accounts to the account management server. 10 (see step Sa10 in FIG. 8). In addition, when the display area in which the margin of a specific bank is displayed on the screen illustrated in FIG. 21, the control unit 21 of the communication terminal 20 transfers the screen data of the transfer screen to the account management server 10. Request (see step Sa8).

  When this modification is applied, the display control unit 15 of the account management server 10 failed to withdraw charges from each of the accounts specified by the account specifying unit 114 as illustrated in FIG. 21 above. A screen for transferring a part of the withdrawal amount to the account is displayed on the display unit. This screen is a screen for collectively accepting the instructions for the respective transfers. The instruction is performed by, for example, a single action by the user, and specifically, by selecting a display element displayed on the screen.

2-13. Modification 13
In the withdrawal account candidate determination process according to the above-described embodiment (see FIGS. 11 and 12), even when the transfer fee is taken into account when determining whether or not the surplus amount is equal to or more than the withdrawal amount (see step Sb5). Good. Specifically, it may be determined whether or not the surplus amount is equal to or greater than the sum of the deduction amount and the transfer fee. Similarly, in the determination at step Sb14 or step Si2 (see FIG. 20), a transfer fee may be taken into account.

DESCRIPTION OF SYMBOLS 1 ... Account management system, 10 ... Account management server, 11 ... Control part, 12 ... Memory | storage part, 13 ... Communication part, 20 ... Communication terminal, 21 ... Control part, 22 ... Memory | storage part, 23 ... Operation part, 24 ... Display 25, communication unit, 30 ... bank server, 40 ... card company server, 50 ... electric power company server, 60 ... gas company server, 70 ... water company server, 80 ... schedule information DB, 90 ... EC server, 100 DESCRIPTION OF REFERENCE SYMBOLS: Communication line, 111: Debit amount specifying unit, 112: Margin amount specifying unit, 113 ... Determination unit, 114 ... Account specifying unit, 115 ... Display control unit, 121 ... Account management table, 122 ... Keyword table, 211 ... Operation area Identifying unit, 212 ... Position identifying unit, 213 ... Calculation identifying unit, 214 ... Calculation unit, 215 ... Display control unit, 1121 ... Account balance identifying unit, 1122 ... Scheduled deposit amount identifying unit, 112 ... withdrawal amount planned specific part, 1124 ... withdrawal prediction amount specifying unit, 1125 ... allowance amount calculation unit

Claims (9)

If one of the multiple accounts owned by the user fails to withdraw the first amount due to a lack of balance, or if it is predicted that the withdrawal will be unsuccessful, Two or more accounts for transferring at least a part of the first amount to the one account, or two or more for deducting at least a part of the first amount instead of the one account An account identification unit for identifying an account of
A withdrawal account proposal device comprising: a display control unit that displays the two or more specified accounts on a display unit in an order according to the usage status of the account.   The display control unit displays the two or more accounts on the display unit in descending order of the difference between the account balance and the amount of money to be withdrawn or predicted from the account within a predetermined period. The withdrawal account proposing device according to claim 1.   2. The withdrawal account proposal device according to claim 1, wherein the display control unit displays the two or more accounts on the display unit in descending order of the minimum balance in the past predetermined period of the account.   2. The withdrawal account proposal device according to claim 1, wherein the display control unit displays the two or more accounts on the display unit in descending order of withdrawal frequency.   2. The withdrawal according to claim 1, wherein the display control unit causes the display unit to display the two or more accounts in ascending order of the number in which automatic withdrawal of money from the account is set. Account proposal device.   The display control unit is a screen for transferring the first amount from the account selected by the user among the two or more accounts to the one account, and transferring from the selected account 6. The withdrawal account proposal device according to claim 1, further comprising a screen on which the first amount is preset as a candidate for the amount to be displayed on the display unit.   The withdrawal account proposal device according to claim 2, wherein the two or more accounts are accounts whose difference is less than the first amount.   8. The withdrawal account proposal device according to claim 7, wherein the two or more accounts are accounts whose total difference is equal to or more than the first amount.   The display control unit is a screen for transferring a part of the first amount from each of the two or more accounts to the one account, and a screen for collectively receiving instructions for the respective transfers. 9. The withdrawal account proposing device according to claim 7 or 8, further displaying on the display unit.

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