JP2010152627A - Information processing system and communication equipment - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information processing system for managing information relevant to money existing in a bank account or a wallet or the like by communication equipment. <P>SOLUTION: The information processing system is configured to include an information processor and communication equipment. The information processor obtains account information from the account of a financial institute. Then, when the account information is changed due to the input/output of money to the account, the information processor transmits change information showing changed contents to the communication equipment. The communication equipment highlights manual input information as money information manually input by an operation part and the received account information and a date related with the change information on a calendar image. When the prescribed date on the calendar image is selected by the operation part in such a state that the calendar image is displayed, the communication equipment reads the manual input information, account information and change information relevant to the selected date from the recording part, and displays it at the display part. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an information processing system and a communication apparatus using a communication network, and particularly for managing account information existing in a financial institution and monetary information generated by a user making purchases. The present invention relates to an information processing system and a communication device.

  In recent years, with the development of communication infrastructure, various additional services related to communication have become widespread. For example, in an information processing system including a communication device such as a mobile phone, account information may be obtained from a financial institution using the communication device, or account transfer, payment for shopping, etc. may be executed via a communication network. Possible information processing systems have been put into practical use.

In relation to the above, in Patent Document 1, it is possible to realize the services of a financial institution without requiring an account number, and to clearly grasp the movement of money, thereby A financial transaction service method capable of reducing the burden is disclosed.
JP 2007-317173 A

  According to the above-mentioned Patent Document 1, the convenience of a financial institution user can be determined by specifying a payee using a mobile phone number or an e-mail address corresponding to the mobile phone number instead of an account number. Has improved.

  However, the financial transaction service method of Patent Document 1 has a problem that, for example, when a user wants to know the deposit balance of an account, it is necessary to access a financial institution and perform authentication processing each time, so that it takes time. It was. In addition, communication costs are incurred for each access, which is disadvantageous in terms of cost.

  The present invention has been made in order to solve the above-mentioned problem, and it is possible to provide information related to the user's money, such as the deposit balance of the account, the amount of banknotes and coins held in the wallet, etc. It is an object of the present invention to provide an information processing system and a communication device that can be managed by using them.

  In order to achieve the above object, an information processing system of the present invention includes a first communication unit connectable to a communication network, and an information acquisition unit that acquires account information related to a predetermined financial institution account using the first communication unit. And an information processing device comprising change information indicating change details of the account information and an information distribution unit for transmitting the account information by the first communication unit, and a second for receiving the account information and the change information A calendar image showing a date associated with a communication unit, a display unit for displaying an image, an operation unit for receiving an operation, manual input information that is money information input by the operation unit, the account information, and the change information And a communication device provided with an information display unit shown in the display unit.

  According to this configuration, the information processing system of the present invention is configured to include an information processing device such as a server and a communication device such as a mobile phone. The information processing apparatus includes a first communication unit that can be connected to a communication network, and an information acquisition unit that acquires account information from an account of a predetermined financial institution. The information acquisition unit further acquires change information indicating the change contents from the financial institution when the account information is changed by depositing / withdrawing the account. The information processing apparatus includes an information distribution unit that transmits the account information and the change information to the communication apparatus or the like.

  The communication device includes a second communication unit that receives account information and change information, a display unit that displays an image, and an operation unit that receives an operation. The money information manually input by the operation unit is acquired by the communication device as manual input information. In addition, the communication device includes an information display unit that indicates to the user by highlighting the date related to the account information, the change information, and the manually input information, for example, the account content change date in the change information on the calendar image.

  In order to achieve the above object, in the information processing system of the present invention, the communication device includes a recording unit that records the manual input information, the account information, and the change information, and the information display unit includes the calendar. When the date indicated by the image on the display unit is selected by the operation unit, the manual input information, the account information, and the change information related to the date are read from the recording unit and the display unit To display.

  According to this configuration, the communication device included in the information processing system of the present invention includes a recording unit that records manual input information, account information, and change information. The information display unit records manual input information, account information, and change information related to the selected date when a predetermined date on the calendar image is selected by the operation unit while the calendar image is displayed on the display unit. Read out from the display unit and displayed on the display unit.

  In order to achieve the above object, in the information processing system of the present invention, the information display unit displays a list of the change information and the manual input information related to a predetermined period on the display unit, and the change The information and the manually input information are displayed in a list in different display formats.

  According to this configuration, the information display unit included in the communication device displays a list of change information and manual input information within a predetermined period on the display unit. In order to distinguish between the change information and the manually input information when displaying the list, the list is displayed in different display formats.

  In order to achieve the above object, in the information processing system of the present invention, the information acquisition unit included in the information processing apparatus acquires schedule information indicating a change schedule of the account information from a predetermined public institution, The information distribution unit transmits the schedule information by the first communication unit, the communication device compares the change information received by the second communication unit with the schedule information, and the change content included in the change information And a notification unit that performs notification when there is a difference between the change schedule included in the schedule information.

  According to this configuration, the information acquisition unit included in the information processing apparatus acquires schedule information indicating the account information change schedule from a public organization such as an electric power company, and the information distribution unit communicates the acquired schedule information with the first communication unit. Send to device. The notification unit included in the communication device compares the change information received by the second communication unit with the schedule information, and determines whether there is a difference between the change content included in the change information and the change schedule included in the schedule information. judge. If there is a difference, the notification unit notifies the user by displaying a warning message on the display unit.

  According to the configuration of the present invention, the communication device displays the change information received from the information processing device and the date related to the manually input information input on the calendar image. For this reason, the user can easily confirm the date when deposit / withdrawal to / from the account, the date when the purchase information is input, and the like from the calendar image.

  According to the configuration of the present invention, when a predetermined date on the calendar image is selected by the operation unit, manual input information, account information, and change information related to the selected date are read from the recording unit and displayed. To display. Therefore, the user can easily confirm the details of each information from the calendar screen. Further, since each information is recorded in the recording unit in advance, it is not necessary to acquire information from the information processing device every time the account information is confirmed, which is advantageous in terms of processing time and communication fee.

  Moreover, according to the structure of this invention, the change information in a predetermined period and manual input information are displayed as a list, distinguishing the kind. Therefore, the user can check the change information related to the account deposit balance and the manually input information that is local information not related to the account deposit balance on one list screen.

  According to the configuration of the present invention, the change information received by the communication device is compared with the schedule information, and notification is made when there is a difference between the change contents included in the change information and the change schedule included in the schedule information. . For this reason, the user can recognize that the difference has occurred, for example, when the amount withdrawn from the public institution is different from the amount notified in advance.

An embodiment of the present invention will be described below with reference to the drawings. In addition, embodiment shown here is an example and this invention is not limited to embodiment shown here.
<1. Information processing system configuration>
FIG. 4 is a block diagram showing the configuration of the information processing system according to the embodiment of the present invention. This system includes at least a mobile phone 1 (= communication device), a server 2 (= information processing device) provided in a bank 4 (= financial institution), an access point 3 (for example, a base station), a wired communication network 51, a wireless The communication network 52 and the wide area communication network 53 are included. Moreover, the electric power company 5 and the gas company 6 are included as a public institution connected to the wide area communication network 53 and providing various services.

  The mobile phone 1 is a communication terminal that can be connected to the access point 3 via the wireless communication network 52, and a plurality of mobile phones 1 can be connected to the access point 3 at the same time. The mobile phone 1 can communicate with the server 2 via the access point 3 and the wired communication network 51. The mobile phone 1 also has a function of recording account information of an account owned by a user in a financial institution such as the bank 4 and purchase information generated by shopping. Details of the device configuration of the mobile phone 1 will be described later.

  The server 2 is an information processing apparatus that connects to the mobile phone 1 via the access point 3 and distributes information based on personal information and authentication information sent from the mobile phone 1. In addition, when a deposit process or the like is performed on a user's account existing in the bank 4 and the account information is changed, the account information is also acquired and recorded. Details of the internal structure of the server 2 will be described later.

  The access point 3 (for example, a base station) is a communication device for interconnecting the wired communication network 51 and the wireless communication network 52. The access point 3 can relay communication between networks having different physical communication methods and protocols.

  The wired communication network 51 is a communication network constructed by interconnecting communication devices using a communication protocol. For example, a LAN (Local Area Network) or a dedicated line provided by a telecommunications carrier corresponds to this. As a communication protocol for the network layer and transport layer of the wired communication network 51, TCP / IP is often used as a standard protocol.

  The wireless communication network 52 is a mobile phone communication network in which a plurality of mobile phones 1 and an access point 3 are wirelessly connected. Specifically, for example, wireless communication is performed using a communication method or the like that conforms to the W-CDMA (Wideband Code Division Multiple Access) standard.

The wide-area communication network 53 is a communication network configured by, for example, the Internet, a dedicated line, and the like, and can communicate with each other by connecting financial institutions such as the bank 4 and public institutions such as the power company 5 and the gas company 6. Is.
<2. Server internal configuration>
FIG. 3 is a block diagram showing the internal configuration and functional unit configuration of the server 2 according to the embodiment of the present invention. The server 2 is configured to include at least a control unit 31, a memory 32, a hard disk 33, a communication I / F unit 34 (= first communication unit), and a communication control unit 35 (= first communication unit).

  The control unit 31 controls each device in order to perform various processes in the server 2. Thus, the distribution control of the account information recorded in the hard disk 33, the analysis processing of personal information for performing user authentication, and the like are comprehensively controlled. The control unit 31 is composed of, for example, a plurality of microprocessors. The control unit 31 is a central part that controls each device (for example, the communication I / F unit 34), calculates information, and performs processing.

  The memory 32 is a recording medium that temporarily records processing information when the server 2 executes various processes. The hard disk 33 is a magnetic recording medium for recording account information sent from the bank 4, personal information sent from the mobile phone 1, and the like.

  The communication I / F unit 34 is a physical interface for connecting the server 2 to a communication network. The communication I / F unit 34 includes, for example, a network card that conforms to the IEEE 802.3 standard. By connecting a twisted pair cable to the LAN port of this network card, connection to the wired communication network 51 is possible. The communication control unit 35 performs communication control for performing mutual communication with an external device connected by the communication I / F unit 34, such as the mobile phone 1.

  The server 2 also includes a user authentication unit 31a, an information acquisition unit 31b, and an information distribution unit 31c as functional units realized by executing a predetermined program on the arithmetic processing device provided in the control unit 31. .

  The user authentication unit 31 a performs an analysis process on the authentication information received from the mobile phone 1. Thereby, it is determined whether or not the various requests sent from the mobile phone 1 are from a legitimate user. The data obtained by the analysis process is registered in the user management database recorded on the hard disk 33.

  The information acquisition unit 31b collects change information indicating the change contents when the account information is changed due to a charge deduction for the bank 4 account or a transfer to the account. The information acquisition unit 31b also has a function of acquiring schedule information indicating a scheduled withdrawal date, a scheduled withdrawal amount, and the like from a public institution such as the electric power company 5 and the gas company 6 before the withdrawal.

  As a specific acquisition method, for example, when a bank account management server (not shown) detects a change in account information, the change information is transmitted from the management server to the server 2. Further, regarding the schedule information, each public institution transmits to the server 2 when the contents of the schedule information are confirmed in the electric power company 5 and the gas company 6. Alternatively, the change information and the schedule information may be periodically acquired by transmitting an information acquisition request from the server 2 to the management server or public institution every predetermined period.

The information distribution unit 31 c distributes the change information and schedule information acquired above to the mobile phone 1. The information distribution unit 31c distributes each piece of information to the mobile phone 1 using a data format that has been determined in advance.
<3. Internal configuration of communication device>
FIG. 2 is a block diagram showing an internal configuration of the mobile phone 1 according to the embodiment of the present invention. The mobile phone 1 includes at least a control unit 11, a memory 12 (= recording unit), an operation unit 13, an LCD (Liquid Crystal Display) 14 (= display unit), and a communication I / F (Interface) unit 15 (= second communication unit). ), A communication control unit 16 (= second communication unit), a memory slot 17, a data input unit 18, a microphone 19, and a CCD camera 20. Further, a memory card 90 (= recording unit) as an external recording medium can be attached to and detached from the memory slot 17.

  The control unit 11 controls each device in order to perform information display processing, communication processing, and the like in the mobile phone 1. The control unit 11 is composed of, for example, a plurality of microprocessors. The control unit 11 includes an information transmission / reception unit 11a, an information display unit 11b, and a notification unit 11c as functional units realized by executing a predetermined program on the arithmetic processing device provided in the control unit 11. Details of each functional unit will be described later.

  The memory 12 is a recording medium for temporarily recording various information held by the mobile phone 1. For example, the memory 12 has a role of recording processing information when various kinds of information processing are performed by the control unit 11, image information to be displayed on the LCD 14, account information acquired from the server 2, and the like.

  The operation unit 13 is for the user to give various instructions such as a communication instruction and an information browsing instruction to the mobile phone 1. The instruction input by the operation unit 13 is received by the control unit 11, and various control processes are performed based on the content of the instruction. The operation unit 13 includes, for example, a plurality of operation buttons and switches. Alternatively, the LCD 14 may be provided with a touch panel function to receive an operation instruction via the touch panel.

  The LCD 14 is a display unit that displays information related to call processing, a calendar image described later, and the like. Or the form provided with the touchscreen function which detects the contact by a user may be sufficient. Thus, by detecting contact with a predetermined area on the display screen, processing associated with the area is performed.

  The communication I / F unit 15 is a physical interface for connecting the mobile phone 1 to the wireless communication network 52. The communication I / F unit 15 is configured to include, for example, a W-CDMA standard wireless antenna.

  The communication control unit 16 performs communication control for mutual communication with an external device connected by the communication I / F unit 15, for example, the access point 3. As a result, the user's personal information and purchase information can be transmitted to the server 2, or billing information, price deduction information, etc. can be received from the server 2 and presented to the user.

  The memory slot 17 is an interface for transmitting information by connecting an external recording medium such as the SD memory card 90. For example, account information acquired from the server 2, purchase information input by the user operating the operation unit 13, and the like are recorded in the SD memory card 90. Thereby, for example, even when the mobile phone 1 is disconnected from the wireless communication network 52, the user can check the balance of the deposit existing in the bank account.

  The data input unit 18 is an input interface for inputting various information by connecting an external recording device by wire or wireless. The data input unit 18 includes, for example, a serial cable connection socket, an IrDA port (not shown) for performing infrared communication, a USB connection terminal (not shown), and the like.

  The microphone 19 is an input device for inputting a user's voice. The microphone 19 is installed near the LCD 14, for example. The user can perform voice communication with, for example, a user of another telephone device by inputting voice into the microphone 19.

The CCD camera 20 is an image pickup apparatus using a CCD as an image pickup element. The CCD photoelectrically converts a light image (optical information) of a subject formed by an imaging lens unit (not shown) into image data of R (red), G (green), and B (blue) color components and outputs the image data. . The CCD is driven by a timing generator (not shown) to control, for example, the aperture and exposure time.
<4. Functional configuration of communication device>
Here, the configuration of each functional unit for the mobile phone 1 according to an embodiment of the present invention to perform information display processing will be described with reference to the functional block diagram of FIG.

  As shown in FIG. 1, the information display processing of the present invention includes at least an information transmission / reception unit 11a, an information display unit 11b, a notification unit 11c, a memory 12, an operation unit 13, and an LCD 14 included in the control unit 11 of the mobile phone 1. And the communication control unit 16 and the SD memory card 90.

  The information transmitting / receiving unit 11 a uses the communication control unit 16 to receive information distributed by the server 2 and transmit information to the server 2. Note that it is assumed that a protocol and a data format for communication are determined in advance with the server 2. Information received includes, for example, bank account change information, schedule information indicating a withdrawal schedule from each public institution, and the like. As information to be transmitted, there is authentication information for user authentication, for example.

  The information display unit 11b is based on the manually input information that is the deposit / withdrawal information (= money information) input by the operation unit 13, the account information received from the server 2, the change information, and the schedule information. Information about money held by the user is displayed. Specifically, for example, the bank account deposit balance, withdrawal history, deposit history, purchase history, date and time information of each history, etc. are displayed on the LCD 14.

The notification unit 11c compares the account information and schedule information received from the server 2 and determines whether or not the consistency is achieved. Specifically, if the change information indicating the deduction from the public institution is received from the server 2 and the schedule information indicating the planned deduction amount of the public institution is received from the server 2 in advance, it is included in both information. It is determined whether the amount of money to be matched is the same. If they do not match, for example, a warning message is displayed on the LCD 14 to notify the user.
<5. Screen configuration>
Here, the configuration of the calendar screen 60, the deposit / withdrawal input screen 70, and the deposit / withdrawal list screen 80 displayed by the information display unit 11b according to the embodiment of the present invention will be described with reference to the screen diagrams of FIGS. explain.

  FIG. 5 and FIG. 6 are examples of a calendar screen 60 for indicating the date when the account information is changed and the date when manual input information is input by the user. The calendar screen 60 is configured to include a date display area 61, a content display area 62, and an operation button display area 63. The date display area 61 includes a current day mark 64 indicating the current day and a cursor 65 that can be operated by the user.

  Further, the triangle mark in the figure is a mark indicating the date when the account information is changed. The triangle indicates the date when the deposit balance increases, and the inverted triangle indicates the date when the deposit balance decreases. Although not shown in the figure, when both increase and decrease occur during the day, the triangle mark and the inverted triangle mark are superimposed and displayed.

  The cursor 65 can be moved up and down and left and right by a cross key or the like provided in the operation unit 13. The change information, schedule information, and manual input information corresponding to the date on which the cursor 65 overlaps are displayed in the content display area 62. A character string image can be displayed in the content display area 62.

  When a predetermined button on the operation unit 13 is pressed while the cursor 65 is overlapped with a predetermined date, a deposit / withdrawal input screen 70 shown in FIG. 7 is displayed. The deposit / withdrawal input screen 70 includes a title display area 71 and a deposit / withdrawal edit area 72. In the schedule edit area 72, manual input information can be input or changed by text editing.

  Note that manual input information that can be entered on the deposit / withdrawal input screen 70 is not limited to information that accompanies withdrawal such as purchase information, but information that accompanies deposit such as when money is received can also be entered. When the input is completed, the screen returns to the calendar screen 60, and text data indicating the input content is displayed in the content display area 62.

  Note that the deposit / withdrawal information input on the deposit / withdrawal input screen 70 is information relating to the cash held by the user in the wallet or the like, and thus is different from the deposit balance existing in the bank 4 account. Therefore, the balance display of the account is not affected on the deposit / withdrawal list screen 80 described below.

  FIG. 8 is a deposit / withdrawal list screen 80 that displays a list of deposit / withdrawal information for a predetermined period (in the example of FIG. 8, one month of October 2008). The deposit / withdrawal list screen 80 includes a title display area 81 and a deposit / withdrawal display area 82. In the deposit / withdrawal display area 82, change information and schedule information generated within a predetermined period in the account and manual input information are displayed in chronological order.

  From the left, the schedule edit area 82 displays the date, deposit / withdrawal contents, deposit / withdrawal amount, and account deposit balance. Information that does not affect the account deposit, for example, manually input information (shopping on the 25th and watching a baseball game on the 26th) is distinguished by displaying a star in the balance column.

  In the example of FIG. 8, for example, the balance is increased from 1,200,000 yen to 1,500,000 yen by paying a transfer on the 24th and adding 300,000 yen. Since the deposit and withdrawal information on the 25th and 26th is manually input information, there is no change in the balance. If the electricity bill is deducted on the 28th, 4,000 yen will be deducted from 1,500,000 yen and the balance will be 1,496,000 yen. Note that the information display unit 11b performs the screen display and calculation processing described above.

  FIG. 9 is a deposit / withdrawal list screen 80 displaying a list of deposit / withdrawal information for one month in November 2008. The date when this screen is displayed is November 23, 2008. For this reason, schedule information (24-day salary transfer and 28-day electricity bill) affecting the account deposit is displayed in the deposit / withdrawal display area 82.

Since the deposit / withdrawal process indicated by the schedule information has not yet been performed, the amount is not displayed in the balance column. Note that the schedule information displayed in the deposit / withdrawal display area 82 is only information for which the deposit / withdrawal amount has been confirmed, and schedule information for which the deposit / withdrawal amount has not been confirmed as of the 23rd day, for example, in the example of FIG. It is not displayed.
<6. Account information distribution process>
Here, account information distribution processing performed by the server 2 according to an embodiment of the present invention will be described with reference to the flowchart of FIG.

  The process shown in FIG. 10 can be started at an arbitrary timing in a state where the power source of the server 2 is activated. After the start of this processing, in step S110, the information acquisition unit 31b determines whether or not it has been detected that a change has been made to the contents of the predetermined account existing in the bank 4, for example, that a debit has been performed.

  If not detected, the process proceeds to step S130 described later. If detected, the information acquisition unit 31b changes the account information recorded in the hard disk 33 based on the changed content added to the account in step S120. Then, change information indicating the change contents is generated and recorded in the hard disk 33.

  Next, in step S130, the information acquisition unit 31b determines whether or not the schedule information indicating the deposit / withdrawal schedule related to the account has been successfully acquired from a public institution such as the electric power company 5. When the schedule information has not been acquired, the process proceeds to step S150 described later. When the schedule information is acquired, the schedule information for each account recorded in the hard disk 33 is updated.

  Next, in step S150, the information distribution unit 31c determines whether an information distribution request sent from the mobile phone 1 has been detected. When not detected, it transfers to step S110 again. If detected, in step S160, the user authentication unit 31a performs an authentication process for determining whether or not the user of the mobile phone 1 is an authorized user. This is performed, for example, by transmitting / receiving a password or electronic signature to / from the mobile phone 1.

  Next, in step S170, the user authentication unit 31a branches the process depending on the success / failure of the authentication process. When it fails, it transfers to step S110 again. If successful, in step S180, the information distribution unit 31c transmits the account information, change information, and schedule information of the account held by the user of the mobile phone 1. In addition, when there is no change information or schedule information, it is not necessary to transmit these. When the transmission is completed, the process proceeds to step S110 again.

Note that the processing flow described above is continuously executed as long as the server 2 is operating normally. Therefore, unless the server 2 is stopped by maintenance work or the like, the processing flow is not basically terminated.
<7. Information display process>
Here, the information distribution processing performed by the mobile phone 1 according to the embodiment of the present invention will be described with reference to the flowchart of FIG.

  The process shown in FIG. 11 can be started at an arbitrary timing in a state where the power source of the mobile phone 1 is activated. After the start of this process, the information transmitting / receiving unit 11a determines whether or not an information acquisition instruction for the server 2 is detected in step S110. The information acquisition instruction is issued, for example, when the user performs an operation for acquiring account information or the like using the operation unit 13.

  If not detected, the process proceeds to step S220 described later. If detected, the information transmitting / receiving unit 11a obtains the user's account information, change information, and schedule information from the server 2 in step S211. Specifically, an authentication process is performed with the user authentication unit 31a, and when the authentication is successful, predetermined information is acquired from the information distribution unit 31c.

  In step S212, the notification unit 11c determines whether the received change information is consistent with the schedule information recorded in the memory 12 in advance. Specifically, for example, the date and time when the above information is received is November 25, 2008, and the schedule information shown in FIG. 9 (24-day salary transfer, 28-day electricity bill) has been acquired in advance. . In this case, it is determined whether or not the received change information includes information related to salary transfer on the 24th and the deposit / withdrawal amounts match.

  If they match, the process proceeds to step S220 described later. If they do not match or if there is no information, the notification unit 11c notifies in step S213 by displaying a warning message on the LCD 14 or the like. In the example shown in FIG. 9, since the scheduled date and time has not yet arrived for the electricity bill on the 28th, the consistency check is not performed.

  Next, in step S220, the information display unit 11b determines whether an input operation of manual input information by the operation unit 13 has been detected. If not detected, the process proceeds to step S240 described later. If detected, the information display unit 11b displays a deposit / withdrawal input screen 70 shown in FIG. 7 in step S230, accepts manual input information, and records it in the memory 12.

  Next, in step S240, the information display unit 11b determines whether a display operation for deposit / withdrawal information has been detected by the operation unit 13. When not detected, it transfers to step S210 again. If detected, the deposit / withdrawal list screen 80 shown in FIG. 8 or 9 is displayed. After the display, when a predetermined operation is accepted or when a predetermined time elapses, the process proceeds to step S210 again.

  Note that the processing flow described above is continuously executed as long as the mobile phone 1 is operating normally. Therefore, unless the power supply of the mobile phone 1 is stopped, the processing flow is not basically ended.

  According to the present embodiment described above, the user can easily confirm the date related to the account information, the change information, and the manually input information on the calendar screen 60. Further, by selecting a predetermined date on the calendar screen 60, it is possible to view account information, change information, and manual input information related to the date.

  Further, according to the present embodiment, since each of the above information is recorded in a recording medium such as the memory 12, the user needs to communicate and authenticate with the server 2 every time the account information is confirmed. Absent. This is advantageous in terms of processing time and communication charges.

  Further, according to the present embodiment, the change information and the manual input information in a predetermined period are displayed as a list using the deposit / withdrawal list screen 80. For this reason, the user can confirm change information related to the deposit balance of the account and deposit / withdrawal information not related to the deposit balance of the account at a time on one screen.

Further, according to the present embodiment, the notification unit 11c notifies when there is a difference between the received change information and schedule information. Therefore, for example, when the amount withdrawn from the electric power company 5 is different from the amount notified in advance, the user can recognize the difference.
[Other embodiments]
The present invention has been described above with reference to preferred embodiments and examples. However, the present invention is not necessarily limited to the above-described embodiments, and various modifications can be made within the scope of the technical idea. be able to.

  Therefore, the present invention can also be applied to the following embodiments.

  (A) In the above-described embodiment, the configuration in which the functional units related to the information acquisition process, the information distribution process, and the information display process are provided in the mobile phone 1 and the server 2 is described as an example. A form may be realized in which a part is realized by an external device connected via a network such as a LAN. For example, the form with which the user authentication part 31a with which the server 2 is provided is provided with the authentication server (not shown) connected to the wired communication network 51 may be sufficient. Thereby, the processing of the server 2 can be distributed and the processing load per server 2 can be reduced.

  (B) In the embodiment described above, the server 2 is included in the bank 4 as an example. However, a system configuration in which the server 2 and the bank 4 exist independently of each other may be used. In this case, account information of a plurality of banks 4 can be centrally managed using a single server 2.

  (C) In the above embodiment, the notification unit 11c of the mobile phone 1 compares the change information with the schedule information. However, this is performed by the server 2, and the mobile phone 1 is notified when there is a difference. But you can.

  (D) In the above embodiment, the mobile phone 1 is described as an example of a communication device that acquires and displays account information. However, any communication device provided with a display unit may be used in other devices. The form which implements this invention may be sufficient. For example, the present invention may be implemented in a PHS, a videophone device, a communication application executed on a personal computer, a PDA, or the like.

  (E) In the above embodiment, the various functional units of the mobile phone 1 and the server 2 related to the account information distribution process and the account information display process of the present invention are realized by executing a program on an arithmetic processing unit such as a microprocessor. However, various functional units may be realized by a plurality of circuits.

  (F) In the above embodiment, the deposit / withdrawal amount and the balance are displayed on the deposit / withdrawal list screen 80, but other information may be displayed on the deposit / withdrawal list screen 80. For example, the information display unit 11b may calculate and display the total amount of deposit / withdrawal included in the manually input information. Thereby, it is possible to notify the balance of bills and coins held by the user in the wallet.

It is a block diagram which shows the function structure of the communication apparatus of this invention. It is a block diagram which shows the internal structure of the communication apparatus of this invention. It is a block diagram which shows the function structure and internal structure of the information processing apparatus of this invention. It is a block diagram which shows the structure of the information processing system of this invention. It is a screen figure which shows the calendar screen of this invention. It is a screen figure which shows the calendar screen of this invention. It is a screen figure which shows the deposit / withdrawal input screen of this invention. It is a screen figure which shows the deposit / withdrawal list screen of this invention. It is a screen figure which shows the deposit / withdrawal list screen of this invention. It is a flowchart which shows the processing flow of the information delivery process in the information processing apparatus of this invention. It is a flowchart which shows the processing flow of the information display process in the communication apparatus of this invention.

Explanation of symbols

1 Mobile phone (communication device)
2 servers (information processing equipment)
4 Banks (financial institutions)
5 Electricity companies (public institutions)
6 Gas companies (public institutions)
11a Information transmission / reception unit 11b Information display unit 11c Notification unit 12 Memory (recording unit)
13 Operation unit 14 LCD (display unit)
15 Communication I / F part (second communication part)
16 Communication control unit (second communication unit)
31a User authentication unit 31b Information acquisition unit 31c Information distribution unit 34 Communication I / F unit (first communication unit)
35 Communication Control Unit (First Communication Unit)
90 SD memory card (recording unit)

Claims (5)

A first communication unit connectable to a communication network, an information acquisition unit that acquires account information related to a predetermined financial institution account by the first communication unit, change information indicating change contents of the account information, and the account An information processing apparatus comprising an information distribution unit for transmitting information by the first communication unit;
A second communication unit that receives the account information and the change information; a display unit that displays an image; an operation unit that receives an operation; manual input information that is money information input by the operation unit; An information processing system comprising: a communication device including an information display unit that displays information and a date related to the change information on the display unit using a calendar image. The communication device includes a recording unit that records the manual input information, the account information, and the change information,
When the date displayed on the display unit by the calendar image is selected by the operation unit, the information display unit displays the manual input information, the account information, and the change information related to the date. The information processing system according to claim 1, wherein the information processing system is read from a recording unit and displayed on the display unit.   The information display unit displays a list of the change information and the manual input information related to a predetermined period on the display unit, and displays the change information and the manual input information in different display formats. Item 4. The information processing system according to Item 1. The information acquisition unit included in the information processing apparatus acquires schedule information indicating a change schedule of the account information from a predetermined public institution, and the information distribution unit transmits the schedule information by the first communication unit. ,
When the communication device compares the change information received by the second communication unit with the schedule information, and there is a difference between the change content included in the change information and the change schedule included in the schedule information The information processing system according to claim 1, further comprising a notification unit that performs notification.   The said communication apparatus which the information processing system in any one of Claims 1-4 contains.

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