JP6389222B2 - Account aggregation system and account aggregation method - Google Patents

Description

  The present invention relates to an account aggregation system and an account aggregation method.

  With the spread of the Internet, various institutions such as banks, credit card companies, and online shopping sites provide services that provide users with transaction information such as deposits and withdrawals and shopping via the Internet. While it is possible for a user to easily check transaction information by using such a service, there is an inconvenience of accessing each organization individually. Therefore, an account aggregation service that obtains transaction information from a plurality of institutions and collectively provides the information to the user has attracted attention (for example, Patent Document 1).

JP 2016-149103 A

  By the way, when using the account aggregation service, the user needs to select and register an organization that acquires transaction information, that is, an organization that cooperates with the service. Therefore, even an organization that provides transaction information via the Internet cannot obtain the transaction information of the organization with the account aggregation service unless the organization is linked.

  SUMMARY OF THE INVENTION An object of the present invention is to provide an account aggregation system and an account aggregation method that provide information on organizations that can be linked to a user.

  An account aggregation system according to one aspect of the present invention is based on an account information registration unit that receives account information for accessing an institution that provides transaction information from a user terminal and registers it in an account information storage unit, and the account information. A transaction information acquisition unit that acquires transaction information from an institution, a transaction information provision unit that provides the acquired transaction information to a user terminal, a keyword that indicates transaction details that can be included in the transaction information, and other that provides transaction information The transaction information is provided based on the correspondence relationship storage unit for storing the correspondence relationship information indicating the correspondence relationship with the institution, the keyword included in the acquired transaction information, and the correspondence relationship information, and the account information storage unit The organization identification section that identifies other organizations for which no account information is registered, and account information of other identified organizations It includes a recommendation information providing unit for providing recommendation information for recommending registered in the user terminal.

  In the present invention, the “part” does not simply mean a physical means, but includes a case where the function of the “part” is realized by software. Also, even if the functions of one “unit” or device are realized by two or more physical means or devices, the functions of two or more “units” or devices are realized by one physical means or device. May be.

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible to provide the account aggregation system and the account aggregation method which provide the user with the information of the institution which can cooperate.

It is a figure which shows the structure of the account aggregation system 100 which is one Embodiment of this invention. 6 is a diagram illustrating an example of information stored in an account information storage unit 131. FIG. It is a figure which shows an example of the information memorize | stored in the transaction information storage part. It is a figure which shows an example of the transaction information displayed on the user terminal. It is a figure which shows an example of the transaction information displayed on the user terminal. 6 is a diagram illustrating an example of correspondence information stored in a correspondence storage unit 135. FIG. It is a figure which shows an example of the recommendation information memorize | stored in the recommendation information storage part. It is a figure which shows the example of provision of the recommendation information by the recommendation information provision part 138. FIG. It is a figure which shows the example of provision of the recommendation information by the recommendation information provision part 138. FIG. It is a figure which shows the example of provision of the recommendation information by the recommendation information provision part 138. FIG. 5 is a flowchart illustrating an example of processing in the account aggregation system 100.

  A preferred embodiment of the present invention will be described with reference to the accompanying drawings. FIG. 1 is a diagram showing a configuration of an account aggregation system 100 according to an embodiment of the present invention. The account aggregation system 100 is communicably connected to the institution system 110 and the user terminal 120 via the Internet. The institution system 110 is an information processing system of an institution that provides transaction information to a user via the Internet, and is configured using one or a plurality of computers. Transaction information provided by institutions includes, for example, banks, credit cards, securities, investment trusts, electronic money, mail order, supermarkets, FX (foreign exchange margin transactions), precious metals, pensions, mobile phones, utilities, points Information on various transactions such as services is included. In FIG. 1, three engine systems 110a, 110b, and 110c are shown as examples of the engine system 110, but the number of engine systems 110 is not limited to this. The user terminal 120 is a computer used by a user, and is a smartphone, a tablet terminal, a personal computer, or the like. From the user terminal 120, the account aggregation system 100 can be accessed through a program dedicated to the account aggregation system 100 or a general-purpose program such as a web browser. By using the account aggregation system 100, the user can collectively acquire transaction information of a plurality of institutions. Note that the user can individually acquire transaction information of each institution without using the account aggregation system 100.

  As shown in FIG. 1, the account aggregation system 100 includes an account information registration unit 130, an account information storage unit 131, a transaction information acquisition unit 132, a transaction information storage unit 133, a transaction information provision unit 134, a correspondence relationship storage unit 135, an organization. A specifying unit 136, a recommended information storage unit 137, and a recommended information providing unit 138 are provided. The computer constituting the account aggregation system 100 includes a processor and a storage area. Each unit shown in FIG. 1 can be realized, for example, by using a storage area or by executing a program stored in the storage area by a processor.

  The account information registration unit 130 receives account information for accessing the institution system 110 of the institution providing the transaction information from the user terminal 120 and registers it in the account information storage unit 131. Note that registering account information in the account information storage unit 131 is also referred to as “linking” an account to the account aggregation system 100.

  FIG. 2 is a diagram illustrating an example of information stored in the account information storage unit 131. The information stored in the account information storage unit 131 includes, for example, a user ID, an institution ID, and account information. The user ID is information for identifying the user of the account aggregation system 100. The user ID may be information generated by the account aggregation system 100, or may be other information such as an email address. The institution ID is information for identifying the institution system 110 in the account aggregation system 100. The account information is information such as an ID and a password for the user to access the institution system 110.

  The transaction information acquisition unit 132 accesses the institution system 110 based on the account information stored in the account information storage unit 131 to acquire the transaction information, and stores it in the transaction information storage unit 133. The timing at which the transaction information acquisition unit 132 acquires the transaction information from the institution system 110 can be arbitrarily set. For example, the transaction information acquisition unit 132 may access the institution system 110 at a predetermined timing, or may access the institution system 110 according to an instruction from the user terminal 120. The transaction information acquisition unit 132 can acquire transaction information from the institution system 110 using, for example, web scraping or API (Application Program Interface).

  FIG. 3 is a diagram illustrating an example of information stored in the transaction information storage unit 133. The information stored in the transaction information storage unit 133 includes, for example, a transaction ID, a user ID, and transaction information. The transaction ID is information for identifying each record of the transaction information. The transaction ID may be generated by the account aggregation system 100 or may be included in the transaction information. The transaction information includes, for example, an account ID, a transaction date, a transaction amount, and a transaction content. The account ID is information for identifying an account (for example, a bank account) of the institution system 110. The transaction content includes a keyword indicating the content of the transaction. Note that the transaction information stored in the transaction information storage unit 133 may not be the transaction information itself acquired from the institution system 110. Further, some items (for example, transaction details) may not be set by the institution system 110.

  The transaction information providing unit 134 provides the transaction information acquired by the transaction information acquiring unit 132 to the user terminal 120. FIG. 4A is a diagram illustrating an example of transaction information displayed on the user terminal 120. The screen shown in FIG. 4A includes an area 400 that displays the total amount of assets and an area 410 (410a, 410b,...) That displays the balance of each institution. FIG. 4B is a diagram illustrating another example of transaction information displayed on the user terminal 120. The screen shown in FIG. 4B includes an area 420 (420a, 420b,...) That displays transaction details for each transaction date. Note that the screens shown in FIGS. 4A and 4B are examples, and the display mode of the transaction information is not limited to this.

  The correspondence relationship storage unit 135 stores correspondence relationship information indicating a correspondence relationship between a keyword indicating transaction contents that can be included in the transaction information and an organization that provides the transaction information. FIG. 5 is a diagram illustrating an example of correspondence information stored in the correspondence storage unit 135. The correspondence information includes, for example, a category, a keyword, and an institution ID. The category is information indicating the type of institution such as bank or securities. The keyword is information that can be included in the transaction content of the transaction information. The institution ID is information for identifying the institution corresponding to the keyword.

  The institution specifying unit 136 provides transaction information based on keywords included in the transaction information acquired from the institution system 110 and correspondence information, and no account information is registered in the account information storage unit 131. An organization (that is, not linked) is identified as a candidate for collaboration. Then, the institution specifying unit 136 generates recommendation information for recommending cooperation of the specified institution to the user, and stores it in the recommendation information storage unit 137. Note that the account aggregation system 100 holds, for example, a list of institution systems 110 that provide transaction information.

  FIG. 6 is a diagram illustrating an example of recommendation information stored in the recommendation information storage unit 137. The recommendation information includes, for example, a user ID, an account ID, a transaction ID, and an institution ID. The account ID and transaction ID are information relating to transaction information that is the basis for generating recommendation information. The institution ID is information for identifying an institution that recommends cooperation.

  Using the transaction information shown in FIG. 3 and the correspondence information shown in FIG. 5 as an example, generation of recommendation information shown in FIG. 6 will be described. Here, it is assumed that the transaction information shown in FIG. 3 is acquired from the institution system 110a of Bank A. In the transaction information shown in FIG. 3, the transaction content of the record with the transaction ID “T0002” is “B card”. The record matches the conditions of the category “bank” and the keyword “B card” with reference to the correspondence information shown in FIG. As a result, the institution ID “I0002” is specified as information for identifying the institution that recommends cooperation. Then, as illustrated in FIG. 6, recommendation information including a user ID “U0001”, an account ID “A0001”, a transaction ID “T0002”, and an institution ID “I0002” is generated.

  The recommendation information providing unit 138 provides the user terminal 120 with recommended information that recommends registration of account information (that is, account linkage) of the cooperation candidate institution specified by the institution specifying unit 136.

  7A to 7C are diagrams illustrating examples of provision of recommendation information by the recommendation information provision unit 138. The screen shown in FIG. 7A corresponds to the screen shown in FIG. 4A, but further includes an area 700 in which a notice “recommended for you” is displayed. When the area 700 is selected on the screen shown in FIG. 7A, the screen shown in FIG. 7B is displayed. FIG. 7B includes an area 710 for displaying the name and logo of an institution recommended for cooperation, and an area 720 for selecting an institution as a cooperation target. In the screen shown in FIG. 7B, the areas 710 and 720 are provided as separate areas, but the areas 710 and 720 may be provided in the same area. The screen shown in FIG. 7C corresponds to the screen shown in FIG. 4B, and further includes an area 730 in which a notice “related recommended cooperation destination” is displayed. When the user wishes to link the institution notified on the screen shown in FIG. 7B or 7C, the user can link the institution to the account aggregation system 100. That is, the account information registration unit 130 can accept the account information of the organization that the user wishes to cooperate with from the user terminal 120 and register it in the account information storage unit 131.

  Note that the screens shown in FIGS. 7A to 7C are examples of providing recommendation information, and the user interface for providing recommendation information is not limited to this. For example, provision of recommendation information is not performed on the screen of the account aggregation system 100 but may be performed using other means such as an e-mail.

  FIG. 8 is a flowchart illustrating an example of processing in the account aggregation system 100.

  The transaction information acquisition unit 132 accesses the institution system 110 based on the account information stored in the account information storage unit 131, acquires the transaction information, and stores it in the transaction information storage unit 133 (S801). The institution specifying unit 136 is an institution related to the user's transaction information based on the keywords included in the transaction information acquired from the institution system 110 and the correspondence relationship information stored in the correspondence relationship storage unit 135. An institution that is present and not yet linked is identified (S802). Then, the institution specifying unit 136 generates recommendation information for recommending the cooperation of the specified institution to the user, and stores it in the recommendation information storage unit 137 (S803).

  The transaction information providing unit 134 provides the transaction information stored in the transaction information storage unit 133 to the user terminal 120 in response to a user operation on the user terminal 120 (S804). Also, the recommendation information providing unit 138 provides the user terminal 120 with recommendation information of the organization identified as the cooperation candidate based on the recommendation information stored in the recommendation information storage unit 137 (S805). In FIG. 8, the provision of recommendation information (S805) is shown after the provision of transaction information (S804), but the order of processing is not limited to this. For example, the transaction information may be provided after the recommendation information is provided in response to a user operation on the user terminal 120. As shown in FIG. 7C, the transaction information and the recommendation information are provided simultaneously. It may be broken.

  The embodiment of the present invention has been described above. The account aggregation system 100 identifies an institution that has not yet been linked based on the keywords included in the transaction information acquired from the institution system 110 and the correspondence information registered in advance, and the linkage of the identified institution Can be provided to the user terminal 120.

  Further, as illustrated in FIG. 5, the correspondence relationship information can include the category of the organization that acquired the transaction information. As a result, the account aggregation system 100 can identify the cooperation candidate institution in consideration of the institution category.

  Further, as illustrated in FIG. 7C, the account aggregation system 100 can provide the recommendation information to the user terminal 120 so that the recommendation information is displayed in association with the transaction information. Thereby, the user can easily grasp to which transaction information the recommendation information corresponds.

  Further, as illustrated in FIG. 7B, the account aggregation system 100 can provide recommendation information to the user terminal 120 so that recommendation information related to a plurality of institutions is displayed together. Thereby, the user can grasp | ascertain efficiently the recommendation information of a some organization.

  Note that this embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed / improved without departing from the spirit thereof, and the present invention includes equivalents thereof.

100 Account Aggregation System, 110 Institution System, 120 User Terminal, 130 Account Information Registration Unit, 131 Account Information Storage Unit, 132 Transaction Information Acquisition Unit, 133 Transaction Information Storage Unit, 134 Transaction Information Provision Unit, 135 Correspondence Relationship Storage Unit, 136 Institution specifying unit, 137 recommended information storage unit, 138 recommended information providing unit

Claims (5)

An account information registration unit that accepts account information for accessing an institution that provides transaction information from the user terminal and registers it in the account information storage unit;
Based on the account information, a transaction information acquisition unit that acquires transaction information from the institution,
A transaction information providing unit for providing the acquired transaction information to the user terminal;
A correspondence relationship storage unit that stores keywords indicating transaction details that may be included in the transaction information, and correspondence relationship information indicating a correspondence relationship with another organization that provides the transaction information;
Based on the keyword included in the acquired transaction information and the correspondence information, the transaction information is provided, and the other institution in which the account information is not registered in the account information storage unit is specified. With the Organization Identification Department,
A recommendation information providing unit for providing recommendation information for recommending registration of account information of the specified other institution to the user terminal;
An account aggregation system with The correspondence relationship information indicates a correspondence relationship between the category of the organization providing the transaction information, the keyword, and the other organization,
The institution specifying unit specifies the other institution based on a category of an institution that provides the transaction information, the keyword included in the transaction information, and the correspondence relationship.
The account aggregation system according to claim 1. The recommendation information providing unit provides the recommendation information to the user terminal so that the recommendation information can be displayed in association with the transaction information.
The account aggregation system according to claim 1 or 2. The recommendation information providing unit provides the recommendation information to the user terminal so that the recommendation information regarding a plurality of institutions can be displayed together.
The account aggregation system according to claim 1 or 2. Computer
Accept account information for accessing the institution that provides transaction information from the user terminal and register it in the account information storage unit,
Based on the account information, obtain transaction information from the institution,
Providing the acquired transaction information to the user terminal;
Storing correspondence relationship information indicating a correspondence relationship between a keyword indicating transaction content that can be included in the transaction information and another organization providing the transaction information;
The transaction information is provided based on the keyword included in the acquired transaction information and the correspondence information, and the other institution in which the account information is not registered in the account information storage unit is specified. ,
Providing the user terminal with recommendation information that recommends registration of account information of the identified other institution;
Account aggregation method.

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