JP2011034277A - Information processing device and information processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To control an exchange risk when a currency to be withdrawn is withdrawn from a transaction account. <P>SOLUTION: An information processing device 100 includes: a loan amount input unit for inputting a loan amount set by a foreign currency withdrawal processing device; a third comparison unit 132 for comparing the loan amount with an account balance in a deposit account of a first currency; a fourth comparison unit 134 for comparing a second shortage, which is obtained by subtracting the account balance in the deposit account of the first currency from the loan amount, with an account balance in a deposit account of a second currency when the third comparison unit decides that the loan amount is greater than the account balance in the deposit account of the first currency; a payment amount set unit 136 for setting the second shortage as a payment amount from the deposit account of the second currency when the fourth comparison unit decides that the second shortage is lower than, and inclusive of, the account balance in the deposit account of the second currency; and a return amount set unit 138 for setting an amount, including the sum of the account balance in the deposit account of the first currency and the payment amount, to be the return amount of the loan amount. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an information processing apparatus and an information processing method, and more particularly, to an information processing apparatus and an information processing method for performing a withdrawal process for a currency requested by a customer.

  Recently, with the spread of the Internet, service providers using the Internet are widely provided by service providers. For example, as represented by net banks, financial services such as deposit management and asset management have also been provided to customers via the Internet.

  In particular, financial service providers are trying to develop their own services in order to differentiate themselves from competitors. For example, in Patent Document 1, when a customer who has a foreign currency account pays a foreign currency using a credit card in a foreign country, a settlement system is used to withdraw the credit card usage amount from the foreign currency account instead of the account in the home currency. Is described. If the amount of credit card used in a foreign country is withdrawn from the home currency account, the customer bears the currency risk that occurs between the foreign currency and the home currency. On the other hand, the settlement system is beneficial to the customer in that the currency risk that the customer bears can be reduced.

  In some cases, funds are transferred from a deposit account to a transaction account that can be withdrawn, and the transaction account is used as a prepaid account. For example, a foreign currency transaction account receives the customer's intention, that is, an amount converted from a deposit account with the customer recognizing the exchange rate. In this way, by pulling out foreign currency converted in advance at the customer's will from the automatic transaction device, the exchange rate when purchasing the product and the exchange rate when the usage amount is charged in the conventional credit card use It is possible to avoid the possibility that the rate is greatly different and an unexpected charge is made.

JP 2001-229247 A

However, in the conventional technology, when a foreign currency is withdrawn using only the transaction account of the target currency, the foreign currency of the requested amount is withdrawn due to a shortage of balance in the transaction account of the target currency relative to the withdrawal amount of the foreign currency. It will not be possible. In this way, when the withdrawal process is performed using only the transaction account of the target currency, the customer requests it outside the range of the deductible amount (outside the balance of the transaction account balance) even if the currency risk can be avoided. I could not withdraw foreign currency.
Therefore, the present invention has been made in view of the above problems, and the object of the present invention is a new and improved control of exchange risk when withdrawing a withdrawal target currency from a trading account. Another object is to provide an information processing apparatus and an information processing method.

  In order to solve the above problem, according to an aspect of the present invention, an acquisition unit that acquires withdrawal request information including a withdrawal request amount of a first currency from an automatic transaction apparatus according to a customer operation, The first comparison unit that compares the withdrawal amount of the first currency with the account balance amount of the trading account of the first currency, and the first comparison unit makes the withdrawal request amount of the first currency the transaction of the first currency. A second comparison unit that compares the first deficit amount with respect to the withdrawal request amount of the trading account in the first currency and the credit amount given to the customer when it is determined that the account balance amount is greater than the account balance amount; A loan amount setting unit that sets the first shortage amount as a loan amount when the second comparison unit determines that the first shortage amount is equal to or less than the credit amount, and an account of a trading account in the first currency A withdrawal amount setting unit for setting an amount including the sum of the balance amount and the loan amount as a withdrawal amount from the automatic transaction apparatus; The third comparison unit that compares the loan amount with the account balance amount of the deposit account of the first currency, and the third comparison unit determine that the loan amount is larger than the account balance amount of the deposit account of the first currency. A fourth comparison unit that compares the second shortage amount obtained by subtracting the account balance amount of the deposit account of the first currency from the loan amount, and the account balance amount of the deposit account of the second currency; 4. When the second comparing unit determines that the second shortage amount is less than or equal to the account balance amount of the second currency deposit account, the second shortage amount is set as the withdrawal amount of the second currency deposit account. There is provided an information processing apparatus comprising: a debit amount setting unit configured to set a repayment amount setting unit configured to set, as a repayment amount of the loan amount, an amount including the sum of the account balance amount of the deposit account of the first currency and the debit amount The

  The fourth comparison unit converts the second shortage amount into the second currency, and calculates the second shortage amount converted into the second currency and the account balance amount of the deposit account in the second currency. You may compare.

  In addition, the fourth comparison unit converts the account balance amount of the deposit account in the second currency into the first currency, and deposits the account in the second currency converted into the second shortage amount and the first currency. You may compare with the account balance amount.

  In addition, the information processing apparatus has a monitoring unit that monitors the account balance amount of the transaction account in the first currency and the monitoring unit determines that the account balance amount of the transaction account in the first currency is equal to or less than a predetermined amount And a notification unit that notifies the customer that the account balance amount of the trading account in the first currency is equal to or less than a predetermined amount.

  In addition, the information processing apparatus has a monitoring unit that monitors the account balance amount of the transaction account in the first currency and the monitoring unit determines that the account balance amount of the transaction account in the first currency is equal to or less than a predetermined amount And a replenishment unit that replenishes an amount satisfying at least a predetermined amount from the deposit account of the first currency.

  In order to solve the above problem, according to another aspect of the present invention, an acquisition unit that acquires a withdrawal request amount of a second currency, a withdrawal request amount of a second currency, When the first comparison unit that compares the account balance amount of the transaction account and the first comparison unit determine that the withdrawal request amount of the second currency is larger than the account balance amount of the transaction account of the second currency The second comparison unit that compares the first shortage amount with respect to the withdrawal request amount of the trading account of the second currency and the account balance amount of the trading account of the first currency, If the shortage is determined to be greater than the account balance of the first currency trading account, the second shortage and the customer obtained by subtracting the account balance of the first currency trading account from the first shortage The third comparison unit that compares the credit amount given to the second credit amount is less than the credit amount by the third comparison unit If it is refused, an automatic transaction is made for a loan amount setting unit that sets the second shortage amount as a loan amount, and an amount including the sum of the account balance amount and the loan amount of the transaction account in the first currency and the second currency. The withdrawal amount is set by the withdrawal amount setting unit set as the withdrawal amount from the device, the loan amount, the fourth comparison unit that compares the account balance amount of the deposit account of the second currency, and the fourth comparison unit. A third deficit amount obtained by subtracting the account balance amount of the second currency deposit account from the loan amount, and the deposit account of the first currency When the fifth comparison unit that compares the account balance amount and the fifth comparison unit determines that the third shortage amount is larger than the account balance amount of the first deposit account, A fourth shortage amount obtained by subtracting an account balance amount of one deposit account, and an account balance amount of a third currency deposit account A sixth comparison unit for comparison, a withdrawal amount setting unit for setting the fourth shortage amount as a withdrawal amount of the deposit account in the third currency by the sixth comparison unit, and deposits in the first currency and the second currency There is provided an information processing apparatus including a repayment amount setting unit that sets an amount including the sum of the account balance amount and the withdrawal amount as a repayment amount of a loan amount.

  The currency of the loan amount set by the loan amount setting unit may be the second currency.

  Further, in order to solve the above-mentioned problem, according to another aspect of the present invention, in accordance with a customer operation, obtaining a withdrawal request information including a withdrawal request amount of the first currency from the automatic transaction device; A first comparison step of comparing the withdrawal request amount of the first currency with an account balance amount of the trading account of the first currency, and a withdrawal request of the first currency by the first comparison step. If the amount is determined to be greater than the account balance amount of the first currency trading account, a first deficit with respect to the withdrawal request amount of the trading account of the first currency, and given to the customer When the second comparison step of comparing the credit amount and the second comparison step determines that the first shortage amount is equal to or less than the credit amount, the first shortage amount is loaned Setting as a transaction account in the first currency A step of setting an amount including an account balance amount and a sum of the loan amount as a withdrawal amount from the automatic transaction apparatus, and comparing the loan amount with an account balance amount of a deposit account in the first currency When the loan amount is determined to be larger than the account balance amount of the deposit account in the first currency by the comparison step and the third comparison step, the deposit account in the first currency is determined from the loan amount. The second shortage amount obtained by subtracting the account balance amount of the second account, the fourth comparison step of comparing the account balance amount of the deposit account of the second currency, and the fourth comparison step, the second shortage amount Setting the second shortage amount as the withdrawal amount of the second currency deposit account when it is determined that is less than or equal to the account balance amount of the second currency deposit account; Account balance amount and withdrawal amount in the currency of Comprising a step of setting the amount including the total as repayments the lending, the information processing method is provided.

  Moreover, in order to solve the said subject, according to another viewpoint of this invention, according to customer operation, the acquisition part which acquires withdrawal request information containing the withdrawal request amount of the 1st currency from an automatic transaction apparatus, A first comparison unit that compares the withdrawal request amount of the first currency with an account balance amount of the trading account of the first currency, and a withdrawal request amount of the first currency by the first comparison unit. Is determined to be greater than the account balance amount of the first currency trading account, the first shortage amount with respect to the withdrawal request amount of the first currency trading account and the credit given to the customer When the second comparison unit comparing the amount and the second comparison unit determine that the first shortage amount is equal to or less than the credit amount, the first shortage amount is set as a loan amount. Lending amount setting unit, account balance amount of the trading account of the first currency and the total of the lending amount An information processing apparatus connected via a network to a foreign currency withdrawal processing device including a withdrawal amount setting unit that sets an amount to be included as a withdrawal amount from the automatic transaction device, wherein the information is set by the foreign currency withdrawal processing device. The loan amount is input by the loan amount input unit for inputting the loan amount, the third comparison unit for comparing the loan amount with the account balance amount of the deposit account of the first currency, and the third comparison unit. A second deficient amount obtained by subtracting an account balance amount of the deposit account of the first currency from the loan amount when it is determined that the account balance amount of the deposit account of the first currency is larger than the account balance amount; The fourth comparison unit that compares the account balance amount of the deposit account of the bank account and the fourth comparison unit determine that the second shortage amount is less than or equal to the account balance amount of the deposit account of the second currency If the second shortage amount is less than the second currency amount A debit amount setting unit for setting as a debit amount of a gold account, a repayment amount setting unit for setting an amount including the account balance amount of the deposit account in the first currency and the deduction amount as a repayment amount of the loan amount; An information processing apparatus is provided.

  Moreover, in order to solve the said subject, according to another viewpoint of this invention, according to customer operation, the acquisition part which acquires withdrawal request information containing the withdrawal request amount of the 1st currency from an automatic transaction apparatus, A first comparison unit that compares the withdrawal request amount of the first currency with an account balance amount of the trading account of the first currency, and a withdrawal request amount of the first currency by the first comparison unit. Is determined to be greater than the account balance amount of the first currency trading account, the first shortage amount with respect to the withdrawal request amount of the first currency trading account and the credit given to the customer When the second comparison unit comparing the amount and the second comparison unit determine that the first shortage amount is equal to or less than the credit amount, the first shortage amount is set as a loan amount. Lending amount setting unit, account balance amount of the trading account of the first currency and the total of the lending amount An information processing device connected via a network to a foreign currency withdrawal processing device that includes a withdrawal amount setting unit that sets a withdrawal amount as a withdrawal amount from the automatic transaction device, wherein the lending set by the withdrawal processing device A loan amount input unit that inputs an amount; a third comparison unit that compares the loan amount with an account balance amount of the deposit account of the first currency; and the third comparison unit, so that the loan amount is A second deficit amount obtained by subtracting an account balance amount of the deposit account of the first currency from the loan amount, when it is determined that the account balance amount of the deposit account of the first currency is larger than the loan amount; When the fourth comparison unit that compares the account balance amount of the deposit account and the fourth comparison unit determine that the second shortage amount is less than or equal to the account balance amount of the deposit account of the second currency And the second shortage amount in the second currency deposit A debit amount setting unit for setting as a deduction amount for a seat, a repayment amount setting unit for setting an amount including the sum of the account balance amount of the deposit account of the first currency and the deduction amount as a repayment amount of the loan amount, In accordance with the loan amount and the withdrawal amount, a balance information update unit that updates balance information of deposit accounts in the first currency and the second currency, a location information acquisition unit that acquires location information, and the location A map information acquisition unit that acquires map information including at least the position of the automatic transaction apparatus within a predetermined range of the position information acquired by the information acquisition unit, and a currency type that can be used at a position corresponding to the position information An available currency acquisition unit that acquires the account balance acquisition unit that acquires the balance information of the transaction account corresponding to the available currency type, and the balance information of the transaction account acquired by the account balance acquisition unit An information processing apparatus is provided that includes a balance information display control unit that controls display of information, and a map information display control unit that controls display of map information acquired by the map information acquisition unit.

  As described above, according to the present invention, the currency risk can be controlled when the withdrawal target currency is withdrawn from the transaction account.

It is explanatory drawing explaining the outline | summary of the information processing concerning the 1st Embodiment of this invention. It is explanatory drawing which showed an example of the hardware constitutions of the information processing apparatus concerning the embodiment. It is a block diagram which shows the function structure of the information processing apparatus concerning the embodiment. It is explanatory drawing explaining the example of a display of the monitoring result of the transaction account concerning the embodiment. 4 is a flowchart showing details of an operation of the information processing apparatus according to the embodiment. 4 is a flowchart showing details of an operation of the information processing apparatus according to the embodiment. It is explanatory drawing explaining the outline | summary of the information processing concerning the 2nd Embodiment of this invention. It is explanatory drawing explaining the usage method of the card | curd for transaction accounts concerning the embodiment. It is a block diagram which shows the function structure of the information processing apparatus concerning the embodiment. 4 is a flowchart showing details of an operation of the information processing apparatus according to the embodiment. 4 is a flowchart showing details of an operation of the information processing apparatus according to the embodiment. It is explanatory drawing explaining the outline | summary of the information processing concerning the 3rd Embodiment of this invention. It is explanatory drawing explaining the matching of the positional information and available currency concerning the embodiment. It is explanatory drawing explaining the display of the map information and balance information concerning the embodiment. 4 is a flowchart showing details of an operation of the information processing apparatus according to the embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

Further, the “best mode for carrying out the invention” will be described in the following order.
[1] Purpose of this embodiment [2] First embodiment [2-1] Overview [2-2] Hardware configuration of information processing apparatus [2-3] Functional configuration of information processing apparatus [2-4] Information Details of operation of processing apparatus [3] Second embodiment [3-1] Overview [3-2] Functional configuration of information processing apparatus [3-3] Details of operation of information processing apparatus [4] Third embodiment [ 4-1] Overview [4-2] Functional configuration of information processing apparatus [4-3] Details of operation of information processing apparatus

[1] Purpose of this Embodiment First, the purpose of this embodiment will be described. Recently, with the spread of the Internet, service providers using the Internet are widely provided by service providers. For example, as represented by net banks, financial services such as deposit management and asset management have also been provided to customers via the Internet.

  In particular, financial service providers are trying to develop their own services in order to differentiate themselves from competitors. For example, when a customer having a foreign currency account pays a foreign currency using a credit card in a foreign country, a settlement system is known in which the credit card usage amount is withdrawn from the foreign currency account instead of the home currency account. If the amount of credit card used in a foreign country is withdrawn from the home currency account, the customer bears the currency risk that occurs between the foreign currency and the home currency. On the other hand, the settlement system is beneficial to the customer in that the currency risk that the customer bears can be reduced.

  In some cases, funds are transferred from a deposit account to a transaction account that can be withdrawn, and the transaction account is used as a prepaid account. For example, a foreign currency transaction account receives the customer's intention, that is, an amount converted from a deposit account with the customer recognizing the exchange rate. In this way, by pulling out foreign currency converted in advance at the customer's will from the automatic transaction device, the exchange rate when purchasing the product and the exchange rate when the usage amount is charged in the conventional credit card use It is possible to avoid the possibility that the rate is greatly different and an unexpected charge is made.

  However, in the conventional technology, when a foreign currency is withdrawn using only the transaction account of the target currency, the amount of the foreign currency requested for withdrawal is withdrawn due to a shortage of balance in the transaction account of the target currency relative to the withdrawal amount of the foreign currency. It will not be possible.

  As described above, when the withdrawal process is performed using only the transaction account of the target currency, it is not possible to withdraw the foreign currency requested by the customer within the range of the withdrawal possible amount even if the exchange rate risk can be avoided. Accordingly, the information processing apparatus 100 according to the present embodiment has been created with the above circumstances as a focus. According to the information processing apparatus 100 according to the present embodiment, it is possible to control exchange risk when withdrawing a withdrawal target currency from a transaction account.

[2] First Embodiment The purpose of this embodiment has been described above. Next, the first embodiment will be described with reference to FIGS.

[2-1] Overview First, an overview of information processing in the information processing apparatus 100 according to the present embodiment will be described with reference to FIG. Normally, when a customer withdraws cash or the like with the automatic transaction apparatus 10 using a cash card, an amount equal to or less than the balance amount of the customer's deposit account can be withdrawn. Since there is a change in the balance that the customer cannot always grasp, such as an automatic withdrawal of utility bill payment, for example, when the cash is withdrawn from the automatic transaction apparatus 10 within the range of the balance of the deposit account, the deposit account is unexpected. Insufficient balance may cause a situation that cannot be withdrawn. On the other hand, there is a case where funds are transferred in advance from a customer's deposit account to a predetermined transaction account within a range where withdrawal from the automatic transaction apparatus 10 is assumed, and the transaction account is used as a prepaid account. By using the transaction account to withdraw cash, etc., it is possible to avoid unforeseen circumstances due to unintended withdrawals such as automatic withdrawals. It becomes possible to control with.

  Moreover, the customer may have a foreign currency transaction account for convenience of the transaction account. The foreign currency transaction account receives the customer's intention, that is, the amount converted from the deposit account in a state where the customer recognizes the exchange rate. Therefore, when a foreign currency is withdrawn from the automatic transaction apparatus 10, the foreign currency converted in advance at the customer's will is withdrawn. Therefore, in the conventional credit usage, the exchange rate and the usage amount when the product is purchased are charged. This makes it possible to avoid the possibility of unexpected charges due to greatly different exchange rates.

  However, as described above, when a foreign currency is withdrawn using only a foreign currency transaction account, the foreign currency may not be withdrawn due to a lack of balance in the foreign currency transaction account. Therefore, in the present embodiment, when the foreign currency transaction account has a shortage of balance with respect to the withdrawal request amount from the customer, the withdrawal can be made by lending the shortage amount within the range of the credit line of the customer. In addition, the amount lent out within the credit line is debited from the customer's deposit account.

  In the present embodiment, the withdrawal request from the automatic transaction apparatus 10 is made in US dollars (first currency), and the US dollars are withdrawn from the US dollar trading account 31. If the balance of the US dollar transaction account 31 is insufficient with respect to the US dollar withdrawal request, the US dollar is withdrawn by lending the shortage amount within the credit line 21 of the customer. That is, in the credit system 20, the shortage amount obtained by subtracting the balance amount of the US dollar trading account from the withdrawal request amount is set as the loan amount to the customer. From the automatic transaction apparatus 10, US dollars corresponding to the customer's requested amount are withdrawn.

  Then, the amount set as the loan amount to the customer is withdrawn from the customer's deposit account 40 as in the case of normal credit use. In this embodiment, the customer has a US dollar deposit account 41 and a yen deposit account (second currency) 42 as deposit accounts. The withdrawal from the deposit balance is first withdrawn from the deposit account 41 of US dollars which is the same currency as the currency requested for withdrawal from the automatic transaction apparatus 10. When the balance of the US dollar deposit account 41 is insufficient with respect to the loan amount to the customer, the shortage amount is withdrawn from the yen deposit account 42.

  In this way, by withdrawing from the transaction account of the foreign currency requested to be withdrawn, it is possible to withdraw in the same currency, and the exchange risk is eliminated. Furthermore, when the account balance of the US dollar trading account 31 is insufficient, it is possible to withdraw the foreign currency requested for withdrawal by lending the insufficient amount within the credit limit and performing withdrawal processing. It becomes.

  Further, when the debit processing is performed only from the US dollar deposit account 41 for the customer's credit amount to the credit line 21, the currency risk can be reduced. However, when the account balance of the US dollar deposit account 41 is insufficient with respect to the loan amount, the credit loan amount is processed as unsettled, and there is a situation in which a late payment fee is generated. End up. In this embodiment, when the balance of the US dollar deposit account 41 is insufficient, the shortage amount is withdrawn from the yen deposit account 42. Thus, only the portion obtained by subtracting the balance of the US dollar deposit account 41 from the loan amount is converted and settled at the exchange rate at the time of settlement. Therefore, even if there is a significant exchange rate fluctuation due to exchange rate risk, it is possible to minimize the amount of unexpected payments.

[2-2] Hardware configuration of information processing apparatus The outline of the present embodiment has been described above. Next, the hardware configuration of the information processing apparatus 100 will be described with reference to FIG. FIG. 2 is an explanatory diagram illustrating an example of a hardware configuration of the information processing apparatus 100 according to the present embodiment.

  The information processing apparatus 100 includes a CPU (Central Processing Unit) 101, a ROM (Read Only Memory) 102, a RAM (Random Access Memory) 103, a host bus 104, a bridge 105, an external bus 106, an interface 107, and the like. , An input device 108, an output device 109, a storage device (HDD) 110, a drive 111, and a communication device 112.

  The CPU 101 functions as an arithmetic processing device and a control device, and controls the overall operation in the information processing device 100 according to various programs. Further, the CPU 101 may be a microprocessor. The ROM 102 stores programs and calculation parameters used by the CPU 101. The RAM 103 primarily stores programs used in the execution of the CPU 101, parameters that change as appropriate during the execution, and the like. These are connected to each other by a host bus 104 including a CPU bus.

  The host bus 104 is connected via a bridge 105 to an external bus 106 such as a PCI (Peripheral Component Interconnect / Interface) bus. Note that the host bus 104, the bridge 105, and the external bus 106 are not necessarily configured separately, and these functions may be mounted on one bus.

  The input device 108 is, for example, an input means for a user to input information, such as a mouse, keyboard, touch panel, button, microphone, switch, and lever, and an input that generates an input signal based on the input by the user and outputs it to the CPU 101 It consists of a control circuit. A user of the information processing apparatus 100 can input various data or instruct a processing operation to the information processing apparatus 100 by operating the input device 108.

  The output device 109 includes, for example, a display device such as a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, an OLED (Organic Light Emitting Display) device and a lamp, and an audio output device such as a speaker and headphones. The The output device 109 outputs the reproduced content, for example. Specifically, the display device displays various information such as reproduced video data as text or images. On the other hand, the audio output device converts reproduced audio data or the like into audio and outputs it.

  The storage device 110 is a data storage device configured as an example of a storage unit of the information processing apparatus 100 according to the present embodiment. The storage device 110 is a storage medium, a recording device that records data in the storage medium, and reads data from the storage medium. A reading device and a deleting device for deleting data recorded in the storage medium can be included. The storage device 110 is composed of, for example, an HDD (Hard Disk Drive). The storage device 110 drives a hard disk and stores programs executed by the CPU 101 and various data.

  The drive 111 is a storage medium reader / writer, and is built in or externally attached to the information processing apparatus 100. The drive 111 reads information recorded on a removable storage medium 120 such as a mounted magnetic disk, optical disk, magneto-optical disk, or semiconductor memory, and outputs the information to the RAM 103.

  The communication device 112 is a communication interface configured with, for example, a communication device for connecting to the communication network 50. The communication device 112 may be a wireless LAN (Local Area Network) compatible communication device, a wireless USB compatible communication device, or a wire communication device that performs wired communication.

[2-3] Functional configuration of information processing apparatus The hardware configuration of the information processing apparatus 100 has been described above. Next, before describing the functional configuration of the information processing apparatus 100, the flow of data between the system for managing a deposit account in a foreign currency and the system for managing a transaction account corresponding to the foreign currency, which are the premise of the present embodiment. Will be described. In a system for managing foreign currency deposit accounts, an account number and a login password for login are recorded in association with each other. When a customer uses Internet banking, at least an account number and a login password are entered. In the system for managing foreign currency deposit accounts, authentication processing is performed to determine whether or not the login password associated with the recorded account number matches, and if they match, the login is completed and the foreign currency deposit is completed. Allows access to information about the account.

  On the other hand, in a system for managing foreign currency trading accounts, an account number and at least a card number read (input) by an automatic transaction apparatus associated with the account number, a PIN number for the card number, and a currency number indicating a currency type The information regarding the foreign currency transaction account associated with the account number and the card number is recorded. When a customer logs in to the foreign currency deposit account management system and directs payment from the foreign currency deposit account to the transaction account corresponding to the foreign currency, the foreign currency deposit account management system An access ticket including at least information indicating the account number, currency type, and deposit and information indicating the deposit amount is issued to the system to be managed.

  And in the system which manages the transaction account of the foreign currency which received the access ticket, the information regarding the transaction account with respect to the currency classification corresponding to the account number is updated from an account number and a currency classification. Updating the information relating to the trading account means adding information indicating the deposit, and when the deposit amount is obtained, the deposit amount data is added. When updating of the information related to the trading account is completed, information indicating the completion is notified to the system for managing the foreign currency deposit account. In addition, the access ticket includes the number assigned to the account number shared by both systems (used for authentication), etc., and the number is verified by a system that manages foreign currency trading accounts. Security can be improved.

  Next, a specific flow of funds between a foreign currency deposit account and a foreign currency transaction account will be described. In the system for managing a deposit account in a foreign currency, when the customer instructs the deposit to the transaction account corresponding to the foreign currency, the deposit amount related to the deposit is transferred to a separate deposit corresponding to the deposit account in the foreign currency. As a result, the deposit amount is reduced from the foreign currency deposit account and managed separately, so it appears to the customer that the foreign currency deposit account balance has decreased.

  In the automatic transaction apparatus, when the card number is read from the card and the PIN number and the withdrawal amount are input by the customer, information such as the card number and the PIN number is transmitted to a system for managing a foreign currency transaction account. A system for managing a foreign currency transaction account that has received information such as a card number is related to the balance of a foreign currency transaction account corresponding to the card number when authenticated by an authentication process using a PIN corresponding to the received card number. Check the information. If the withdrawal amount is within the range of the balance, information for permitting withdrawal is transmitted to the automatic transaction apparatus, and the amount desired by the customer is withdrawn from the automatic transaction apparatus.

  When the withdrawal process from the automatic transaction apparatus is completed, a transfer process request is notified from the system that manages the foreign currency transaction account to the system that manages the foreign currency deposit account. And the system which manages the deposit account of a foreign currency transfers to the bank account which the system which manages the transaction account of a foreign currency designates the amount withdrawn with the automatic transaction apparatus from the amount recorded on the above-mentioned separate deposit. As a result, actual funds are transferred.

  However, the actual transfer process may not be performed in real time depending on the time zone of the transfer process instruction. In other words, when funds cannot be transferred to a bank account designated by the system that manages the trading account in real time, the system that manages the trading account cannot immediately confirm the payment. Therefore, in the transfer process in which the actual funds are transferred as in the past, the customer can transfer funds from the deposit account to the transaction account, but the data cannot be processed in real time, so the cash is immediately withdrawn from the automatic transaction device. There was a problem that I could not do it. However, in the present embodiment, specific funds are secured in a separate deposit in the system, the funds are bound, and data to a corresponding foreign currency transaction account authenticated by single sign-on is updated in real time. Then, based on the updated data, since it is determined whether or not withdrawal from the automatic transaction apparatus is possible in response to a withdrawal request from a customer, it is possible to ensure real-time characteristics regarding withdrawal of funds. In this way, by managing the amount that can be withdrawn with the data of the transaction account and post-processing the actual flow of funds, the convenience of the user is improved.

  Also, withdrawal from a transaction account to a deposit account is the reverse of depositing. That is, the processing for reducing the data of the transaction account and the funds corresponding to the reduced amount from the separate deposit are transferred to the deposit account to cope with the withdrawal process.

  A card number, a card expiration date, and the like are recorded on the magnetic stripe of the card, and the type of withdrawal request passing is recognized by the card number. That is, in this embodiment, as will be described later, the card has a front side for dollars and the back side for euro withdrawal, but different card numbers are recorded on the magnetic stripes on the back and front sides of the card. In a system for managing foreign currency transaction accounts, a correspondence table is recorded in which a card number sent from an automatic transaction apparatus and a type of currency corresponding to the card number are recorded. Therefore, it is possible to identify by card number which foreign currency trading account should be referred to.

  Next, the functional configuration of the information processing apparatus 100 will be described with reference to FIG. As shown in FIG. 3, the information processing apparatus 100 includes a communication unit 122, a first comparison unit 124, a second comparison unit 126, a loan amount setting unit 128, a withdrawal amount setting unit 130, a third comparison unit 132, a fourth comparison unit. A comparison unit 134, a withdrawal amount setting unit 136, a repayment amount setting unit 138, a transaction account information DB 140, a credit line information DB 150, a deposit account information DB 160, a monitoring unit 166, a supplementing unit 168, and the like are provided. In the following description, it is assumed that the first currency is a foreign currency and the second currency is a domestic currency. Further, an example will be described in which US dollars are used as foreign currencies and yen is used as domestic currencies.

  The communication unit 122 is an example of the communication device 112 described above, and transmits / receives data to / from the automatic transaction apparatus 10, the credit management server 20, the transaction account management server 30, the deposit account management server 40, and the like via the communication network. The communication unit 122 also has a function as an acquisition unit that acquires withdrawal request information including a withdrawal request amount input from the automatic transaction apparatus 10 in accordance with a customer operation. In the present embodiment, the withdrawal request amount input from the automatic transaction apparatus 10 is a withdrawal request amount in US dollars.

  Further, the credit frame information received from the credit management server 20 by the communication unit 122 via the network is stored in the credit frame information DB 150. Credit frame information stored in the credit frame information DB 150 is stored in association with customer information for each customer. Customer information is identification information that can uniquely identify a customer. Further, information on the US dollar trading account received from the trading account management server 30 by the communication unit 122 is stored in the trading account information DB 140. The information on the trading account stored in the trading account information DB 140 is stored in association with the account information for each account number. The account information includes an account number, a card number read by an automatic transaction apparatus associated with the account number, a password for the card number, and the like. When a customer uses Internet banking, a login password is stored as account information. The transaction account information DB 140 also stores a correspondence table in which the card number and the type of currency corresponding to the card number are stored. Further, the US dollar and yen deposit account information received from the deposit account management server 40 by the communication unit 122 is stored in the deposit account information DB 160. Similarly to the transaction account information DB 140, the account information stored in the deposit account information DB 160 is also stored in association with the account information for each account number.

  In the present embodiment, the information processing apparatus 100 and the credit management server 20, the transaction account management server 30, and the deposit account management server 40 are separate apparatuses, but the present invention is not limited to this example. For example, the information processing apparatus 100 and various servers may be configured integrally, or any of the various servers may be integrated with the information processing apparatus 100.

  For example, in the case of mainly credit business, the credit management server 20 and the information processing apparatus 100 are integrated, and information from the transaction account management server 30 and the deposit account management server 40 is received via the network. It may be. In the case of mainly banking, the deposit account management server 40 and the information processing apparatus 100 are integrated, and information from the credit management server 20 and the transaction account management server 30 is received via the network. It may be.

  The first comparison unit 124 has a function of comparing the US dollar withdrawal request amount received via the communication unit 122 with the account balance amount of the US dollar trading account. The account balance amount of the US dollar trading account is stored in the trading account information DB 140 as information on the US dollar trading account 142. The first comparison unit 124 provides the comparison result to the second comparison unit 126.

  When the comparison result of the first comparison unit 124 determines that the US dollar withdrawal request amount is larger than the account balance amount of the US dollar trading account, the second comparison unit 126 makes a US dollar trading account withdrawal request. It has a function of comparing the first shortage amount with respect to the amount and the credit amount given to the customer. That the US dollar withdrawal request amount is larger than the account balance amount of the US dollar trading account means that the withdrawal amount requested by the customer cannot be satisfied by the US dollar trading account alone. Therefore, the second comparison unit 126 determines whether or not the shortage is within the credit frame range.

As described above, the customer credit limit is stored in the credit limit information DB 150 as information on the customer credit limit 152. When the second comparison unit 126 determines that the shortage is within the range of the credit limit, an amount obtained by subtracting the shortage from the customer credit limit may be set as a new credit limit for the customer. . The first shortage amount is represented by the following mathematical formula.
First deficit amount = requested amount of US dollar−transaction account balance amount of US dollar The second comparison unit 126 provides the comparison result to the loan amount setting unit 128 and the third comparison unit 132.

  The loan amount setting unit 128 has a function of setting the first shortage amount as the loan amount when the second comparison unit 126 determines that the first shortage amount is equal to or less than the credit amount. As described above, the withdrawal request amount cannot be satisfied with only a US dollar trading account, but if the first shortage amount is within the credit amount range, the withdrawal request amount is handled in the same manner as when using a normal credit. That is, the amount corresponding to the loan amount is withdrawn from the customer's deposit account at a later date, with the first shortage amount being the loan amount to the customer. The loan amount setting unit 128 may set an amount obtained by adding a fee to the first shortage amount as the loan amount.

  The withdrawal amount setting unit 130 has a function of setting, as the withdrawal amount from the automatic transaction apparatus 10, an amount including the sum of the account balance amount of the US dollar transaction account and the loan amount. The withdrawal amount setting unit 130 may set, as the withdrawal amount, an amount including a withdrawal fee in addition to the sum of the account balance amount and the loan amount of the US dollar transaction account. If the second comparing unit 126 determines that the first shortage amount is larger than the credit amount, the withdrawal amount requested by the customer cannot be withdrawn from the automatic transaction apparatus 10. In this case, a message indicating that the withdrawal cannot be performed may be transmitted to the automatic transaction apparatus 10 so that the message is displayed on the display screen of the automatic transaction apparatus 10.

  The third comparison unit 132 has a function of comparing the loan amount set by the loan amount setting unit 128 with the account balance amount of the US dollar deposit account. The account balance amount of the US dollar deposit account is stored as information on the US dollar deposit account 162 in the deposit account information DB 160. The third comparison unit 132 provides the comparison result to the fourth comparison unit 134.

  When the comparison result of the third comparison unit 132 determines that the loan amount is larger than the account balance amount of the US dollar deposit account, the fourth comparison unit 134 determines the account balance amount of the US dollar deposit account from the loan amount. The second shortage amount obtained by subtracting the value and the account balance amount of the yen deposit account are compared. The loan amount larger than the account balance amount of the US dollar deposit account means that the loan amount set for the customer cannot be satisfied by the US dollar deposit account alone.

Therefore, the fourth comparison unit 134 determines whether or not the shortage is within the range of the customer's yen deposit account balance. The account balance amount of the yen deposit account is stored as information on the yen deposit account 164 in the deposit account information DB 160 as described above. The second shortage amount is expressed by the following mathematical formula.
Second shortage amount = loan amount-US dollar deposit account balance amount (loan amount = US dollar withdrawal request amount-US dollar transaction account balance amount)

  The fourth comparison unit may convert the second shortage amount set in dollars into yen and compare the second shortage amount converted into yen and the account balance amount of the yen deposit account. . The fourth comparison unit 134 converts the account balance amount of the yen deposit account into dollars, and compares the second shortage amount with the account balance amount of the yen deposit account converted into US dollars. May be.

  The withdrawal amount setting unit 136 determines that the second shortage amount is the withdrawal amount of the yen deposit account when the fourth comparison unit 134 determines that the second shortage amount is less than or equal to the account balance amount of the yen deposit account. It has the function to set as. If the loan amount cannot be satisfied by the account balance amount of the US dollar deposit account alone, the account balance amount of the US dollar deposit account will be withdrawn, and the second shortage amount will be withdrawn from the yen deposit account. Become. The withdrawal amount setting unit 136 may set an amount obtained by adding a fee or the like to the second shortage amount as the withdrawal amount.

  The repayment amount setting unit 138 has a function of setting, as a repayment amount of the customer's loan amount, an amount including the sum of the account balance amount of the US dollar deposit account and the withdrawal amount set by the withdrawal amount setting unit 136. The repayment amount setting unit 138 may set an amount including a deduction fee or the like as the deduction amount in addition to the sum of the account balance amount of the US dollar deposit account and the deduction amount. If the fourth comparison unit 134 determines that the second shortage amount is larger than the account balance amount of the yen deposit account, the customer cannot make a repayment from the deposit account. In this case, the customer may be notified that the repayment is impossible.

  The monitoring unit 166 has a function of monitoring an account balance amount of a US dollar trading account. The monitoring unit 166 provides the communication unit 122 with the monitoring result of the account balance amount of the US dollar trading account. The communication unit 122 functions as a notification unit that notifies the terminal of the customer of the determination result. Monitoring and notification of the account balance amount of a US dollar trading account may be performed periodically or in response to a customer request. By regularly monitoring and notifying the account balance of a US dollar trading account, it is possible to avoid a situation where the account balance is insufficient when the US dollar is withdrawn due to an unexpected withdrawal due to automatic withdrawal. It becomes.

  Further, the monitoring unit 166 determines whether or not the account balance amount of the US dollar transaction account is equal to or less than a predetermined amount, and provides the determination result to the replenishment unit 168. The replenishing unit 168 has a function of replenishing an amount satisfying the predetermined amount from the US dollar deposit account when the monitoring unit 166 determines that the account balance amount of the US dollar trading account is equal to or less than the predetermined amount. Further, the replenishment unit 168 may replenish a predetermined amount from a yen deposit account to a US dollar transaction account if there is not enough deposit in the US dollar deposit account.

  The replenishing unit 168 may notify the customer of replenishment via the communication unit 122 when a predetermined amount is replenished to the US dollar transaction account. When replenishing a predetermined amount from a yen deposit account to a US dollar trading account, it is necessary to convert the yen to US dollars. In this case, the conversion rate and conversion fee vary depending on the timing of replenishment. In order to reduce such exchange risk, a predetermined amount may be replenished from a yen deposit account to a US dollar transaction account in accordance with an input operation from a customer. Further, when the exchange rate is less than or equal to the limit specified by the customer, a predetermined amount may be replenished.

  Here, with reference to FIG. 4, the monitoring of the transaction account by the monitoring part 166 is demonstrated. As described above, the transaction account monitoring result and the replenishment result are displayed on the display screen of the automatic transaction apparatus 10 via the communication unit 122. FIG. 4 is an explanatory diagram for explaining a display example of a monitoring result of a trading account. As shown in FIG. 4, the monitoring unit 166 monitors the account balance of the euro transaction account, and when the balance is smaller than a predetermined balance, a display screen 602 for notifying that the balance is insufficient is displayed. On the display screen 602, a selection display is made as to whether or not to borrow the insufficient amount.

  When “Yes” is selected by the user on the display screen 602, a display screen 604 that prompts the user to input a borrowing password necessary for borrowing the insufficient amount is displayed. In addition, when “No” is selected by the user on the display screen 602, or when it is confirmed that the balance of the transaction account of the foreign currency is insufficient before the customer withdraws the foreign currency from the automatic transaction apparatus 10, An e-mail including the contents of the display example 606 is transmitted to the terminal of the customer. The e-mail includes a URL for prompting the transaction account to deposit funds (immediately).

  When the URL included in the e-mail is selected by the user, a display screen 608 for inputting an ID and a password for depositing funds into the trading account is immediately displayed. When the ID and password are input by the user, a display screen 610 for inputting the amount to be transferred to the trading account is displayed. For example, when funds are automatically deposited in the transaction account by the replenishment unit 168, a display screen indicating that the funds have been replenished may be displayed. Thus, the URL for promptly depositing funds in the transaction account is included in the e-mail notified to the customer, so that it is possible to quickly deposit the transaction account, and the automatic transaction apparatus 10 can receive the desired transaction. The amount can be withdrawn.

[2-4] Details of Operation of Information Processing Apparatus The functional configuration of the information processing apparatus 100 according to the present embodiment has been described above. Next, details of the operation of the information processing apparatus 100 will be described with reference to FIGS. 5 and 6. 5 and 6 are flowcharts showing details of the operation of the information processing apparatus 100. As shown in FIG. 5, first, the acquisition unit receives a withdrawal request amount (US dollar) from a customer (S102). Then, the first comparison unit 124 compares the withdrawal request amount received in step S102 with the account balance amount of the US dollar trading account (S104).

  If it is determined in step S104 that the withdrawal request amount is equal to or less than the account balance amount of the US dollar trading account, the account balance amount of the US dollar trading account is updated (S106). In step S106, the amount obtained by subtracting the withdrawal request amount from the account balance amount of the US dollar trading account is updated to the account balance amount of the US dollar trading account. Then, the ATM (automatic transaction apparatus) is notified that the payment process is possible, and the payment process from the ATM is performed (S108).

  If it is determined in step S104 that the withdrawal request amount is larger than the account balance amount of the US dollar trading account, the customer's credit line 152 is confirmed (S110). Then, the second comparison unit 126 compares the credit amount with the first shortage amount obtained by subtracting the account balance amount of the US dollar trading account from the withdrawal request amount (S112). If it is determined in step S112 that the first shortage amount is larger than the credit limit, a message indicating that payment is not possible is displayed on the ATM display screen (S114).

  If it is determined in step S112 that the first shortage amount is equal to or less than the credit limit, the credit limit is updated (S116). In step S116, an amount obtained by subtracting the first shortage amount from the credit limit is set as a new credit limit for the customer. Then, the loan amount setting unit 128 holds the first shortage amount as the loan amount (S118). Next, the withdrawal amount setting unit 130 updates the account balance of the US dollar trading account (S120). The withdrawal amount setting unit 130 sets an amount including the sum of the account balance amount of the US dollar transaction account and the loan amount set in step S118 as the withdrawal amount. In step S120, the account balance of the US dollar trading account is updated to “0”. Then, the withdrawal amount set by the withdrawal amount setting unit 130 is paid from the ATM (S122). In addition, after the loan from the automatic transaction apparatus 10 is generated and the credit limit is updated in step S116, the credit limit is confirmed when the repayment of the loan amount is confirmed from the customer's deposit account as will be described later. It will be updated to the maximum value.

  Next, the third comparison unit 132 charges the loan amount held in step S118 to the US dollar deposit account (S124), and compares the loan amount with the account balance amount of the US dollar deposit account (S126). ). If it is determined in step S126 that the loan amount is equal to or less than the account balance amount of the US dollar deposit account, the account balance amount of the US dollar deposit account is updated (S128). In step S128, the amount obtained by subtracting the loan amount from the account balance amount of the US dollar deposit account is updated to the account balance amount of the US dollar deposit account. Then, a repayment process of the loan amount is executed (S130). In step S130, for example, the credit management server 20 is requested to execute a repayment process for the loan amount via the communication unit 122.

  When it is determined in step S126 that the loan amount is larger than the account balance amount of the US dollar deposit account, the fourth comparison unit 134 checks the account balance amount of the yen deposit account (S132). Then, the second shortage amount obtained by subtracting the account balance amount of the US dollar deposit account from the loan amount is compared with the account balance amount of the yen deposit account (S134). If it is determined in step S134 that the second shortage amount is less than or equal to the account balance amount of the yen deposit account, the withdrawal amount setting unit 136 converts the second shortage amount yen into US dollars. Is set as the withdrawal amount (S136).

  Then, the repayment amount setting unit 138 sets the amount including the sum of the account balance amount of the US dollar deposit account and the withdrawal amount set in step S136 as the repayment amount of the loan amount, and performs the repayment processing of the loan amount. (S138). Then, the account balance of the yen deposit account is updated (S140). In step S140, the amount obtained by subtracting the second shortage amount from the account balance amount of the yen deposit account is updated to the account balance amount of the yen deposit account.

  If it is determined in step S134 that the second shortage amount is larger than the account balance amount of the yen deposit account, the customer is informed that the loan amount set in step S118 cannot be repaid. (S142). In step S142, the credit system is also notified that the loan amount cannot be repaid. In addition, the customer may be notified by e-mail or the like to make a payment by a predetermined date and time. The details of the operation of the information processing apparatus 100 according to the present embodiment have been described above. In this embodiment, when the entire amount of the loan cannot be repaid, it is treated as impossible to repay and the partial repayment process is not considered, but the present invention is not limited to this example, and the partial repayment process is performed within the range of the deposit account. It may be.

  In the present embodiment, when the amount of US dollar withdrawal requested by the customer is larger than the amount of the account balance of the US dollar trading account, the shortage is loaned within the customer's credit line, and automatic transaction is performed. It is possible to withdraw US dollars corresponding to the withdrawal request amount from the apparatus. Then, regarding the loan amount lent within the range of the credit line, the account balance amount of the customer's US dollar deposit account is set as the repayment amount. If the loan amount is larger than the account balance amount of the US dollar deposit account, the shortage is repaid from the account balance amount of the yen deposit account. As a result, withdrawing from a trading account in the same currency as the foreign currency requested to be withdrawn, exchange risk that occurs during currency conversion is eliminated. In addition, when there is a shortage of US dollar trading accounts, an unexpected balance of the deposit account due to automatic debiting, etc., by performing withdrawal processing within the credit limit instead of performing withdrawal processing from the deposit account It is possible to avoid unexpected situations arising from shortages. In addition, if payment cannot be made with a US dollar deposit account alone, only the portion of the loan amount deducted from the US dollar balance managed in the US dollar deposit account will be converted and settled at the exchange rate at the time of settlement. Even if there is a significant exchange rate fluctuation due to exchange rate risk, it is possible to minimize the amount of unexpected payments. However, when there is sufficient funds in the deposit account, the shortage with respect to the transaction account may be withdrawn from the deposit account.

  Moreover, although the said embodiment demonstrated the case where a customer has the deposit account of US dollar and yen, it is not limited to this example, You may make it a customer have the deposit account of multiple currencies. When the customer has a plurality of deposit accounts for foreign currency deposits, the balance may be confirmed according to a predetermined priority order among the foreign currency deposits. In this case, in the deposit account information 160, customer information, deposit balances for accounts of a plurality of types of currencies, and priority order data indicating currency priorities are stored in association with each other. For example, when a customer has an account of a foreign currency deposit of 8 currencies, the deposit account information 160 includes identification information of the customer (for example, an account number), information on the balance of deposits of foreign currency in 8 currencies, and Is remembered. Further, as priority data, information on which currency is preferentially selected from among the eight currencies to be subject to repayment, and from which currency among the selected currencies the balance is preferentially confirmed is stored. ing.

  For example, when priority data of only three currencies out of eight currencies is stored as priority data, when executing a repayment process from a deposit account, the deposit balance is calculated according to the priority of these three currencies. You may make it confirm. Moreover, the balance of the foreign currency withdrawn from the automatic transaction apparatus 10 may be preferentially confirmed, and the balance to be confirmed thereafter may be based on the priority order data. In addition, when a foreign currency is withdrawn, a withdrawal from a yen deposit account may be included. As for the yen, it is possible not to include it in the priority order data but to confirm the deposit balance of the yen after confirming the balance of foreign currency. Yen may also be included in the priority order data in the same manner as foreign currency.

[3] Second Embodiment The first embodiment has been described above. Next, a second embodiment will be described with reference to FIGS. In the following, differences from the first embodiment will be described in detail, and detailed description of points similar to those of the first embodiment will be omitted.

[3-1] Overview First, an overview of information processing in the information processing apparatus 200 according to the present embodiment will be described with reference to FIG. In this embodiment, the transaction account 30 includes a US dollar (US $) transaction account 31 and a euro transaction account 32, and the deposit account 40 includes a US dollar deposit account 41, a euro transaction account 43, and a yen transaction account. 43 is different from the first embodiment in that the withdrawal request from the customer is made in euro.

  In the present embodiment, the withdrawal request from the automatic transaction apparatus 10 is made in euro, and the euro is first withdrawn from the euro transaction account 32. If the balance of the euro transaction account 32 is insufficient for the user's withdrawal request, then the withdrawal is performed from the US dollar transaction account. In this case, the US dollar balance may be converted into euros for withdrawal. Further, when the shortage cannot be applied even with the balance of the US dollar, the user is withdrawn within the range of the credit line 21 of the customer. In the credit system 20, the shortage amount obtained by subtracting the balance amount of the euro transaction account and the balance amount of the US dollar transaction account from the withdrawal request amount is set as the loan amount to the customer. From the automatic transaction apparatus 10, the euro corresponding to the customer's requested amount is withdrawn.

  Then, the amount set as the customer's loan amount is withdrawn from the customer's deposit account 40 as in the case of normal credit use. The withdrawal from the deposit balance is first withdrawn from the euro deposit account 43 which is the same currency as the currency requested for withdrawal from the automatic transaction apparatus 10. Then, if the balance of the euro deposit account 43 is insufficient with respect to the loan amount of the customer, the shortage is withdrawn from the deposit account 41 of US dollars. Further, when the shortage cannot be allocated even with the US dollar deposit account 41, the shortage is deducted from the yen deposit account 42.

  In this way, in this embodiment, by debiting from the transaction account of the foreign currency requested to be withdrawn, after debiting in the same currency, it can be debited in other foreign currency, which occurs at the time of currency conversion The risk of currency exchange is reduced. Furthermore, if the account balance amount of the foreign currency trading account is insufficient, lending is made for the shortage amount within the credit limit and the withdrawal process enables the withdrawal of the requested foreign currency. .

  In addition, a debit processing is performed from the euro deposit account 43 to the loan amount of the customer's credit line 12, and then a debit processing is performed in order from the US dollar deposit account 41 and the yen deposit account. As a result, only the portion obtained by subtracting the balance of the euro deposit account 43 from the loan amount is converted and settled at the exchange rate at the time of settlement. Therefore, even if there is a significant exchange rate fluctuation due to exchange rate risk, it is possible to minimize the amount of unexpected payments.

  In the present embodiment, the euro is withdrawn from the automatic transaction apparatus 10, but the present invention is not limited to this example, and the US dollar may be withdrawn. When a request for withdrawal of US dollars is made from the automatic transaction apparatus 10, first, withdrawing from a US dollar transaction account or withdrawal from a US dollar deposit account, exchange risk Can be controlled. In this embodiment, the user and the US dollar account of two types of foreign currency are provided. However, the present invention is not limited to this example, and a plurality of foreign currency accounts may be provided.

  For example, if you have euro, dollar and pound trading accounts, you have a request to withdraw euros. In this case, the balance of the euro trading account is first checked to eliminate the currency risk. After the balance of the euro trading account is confirmed, the balance of the dollar or pound trading account is confirmed. At this time, the transaction account confirmed after the euro, that is, the second and subsequent transactions may be confirmed according to a predetermined priority order, or may be confirmed according to the priority order set by the user. It may be. Further, for example, it is assumed that the priority order is set in the order of US dollar, euro, and pound. When withdrawing the euro, the foreign currency trading account to be withdrawn is first confirmed. Then, the transaction accounts confirmed thereafter are confirmed in the order of US dollars and pounds according to the priority order. Further, the balance of the transaction account may be confirmed according to a preset priority order in preference to the foreign currency to be withdrawn.

  Similarly, for the deposit account, the account balance may be confirmed according to the priority order. As for the deposit account, first, the balance of the deposit account in the same currency as the foreign currency of the loan amount is confirmed as a repayment amount for the loan amount. Then, the deposit account to be confirmed next as the repayment amount of the loan amount is determined according to the priority order. For example, it is assumed that priorities are set in the order of US dollars, euros, and pounds, and there is a loan of euros. In this case, the euro deposit balance is first confirmed, and the shortage is confirmed in the order of US dollars and pounds, and finally the yen balance is confirmed. When a foreign currency is lent out, the balance of the yen is basically confirmed after the balance is confirmed according to the priority order of the foreign currency. That is, priorities are set in US dollars, euros, and pounds, and the yen deposit balance is always confirmed after confirmation of the foreign currency deposit balance. However, the present invention is not limited to this example, and the priority order may be determined including a plurality of foreign currencies and yen. Further, the balance may be confirmed by giving priority to the priority order regardless of the type of foreign currency loaned. For transaction accounts and deposit accounts, in the case of three currencies or more, it is possible to similarly perform account balance confirmation processing according to priority.

  Further, the customer may use a card for a trading account as shown in FIG. FIG. 8 is an explanatory diagram for explaining a card for a trading account. As shown in FIG. 8, “US $” is described in the card table 401, and a symbol indicating the euro is described on the back 402 of the card. This indicates that the US dollar can be withdrawn by causing the automatic transaction apparatus 10 to read the magnetic stripe in the table 401 of the card. Further, it is shown that the euro can be withdrawn by causing the automatic transaction apparatus 10 to read the magnetic stripe on the back 402 of the card.

[3-2] Functional configuration of information processing apparatus The outline of the present embodiment has been described above. Since the hardware configuration according to this embodiment is the same as that of the first embodiment, description thereof is omitted. Next, a functional configuration of the information processing apparatus 200 will be described with reference to FIG. As illustrated in FIG. 9, the information processing apparatus 200 includes a communication unit 222, a first comparison unit 224, a second comparison unit 225, a third comparison unit 226, a loan amount setting unit 228, a withdrawal amount setting unit 230, a fourth Comparison unit 232, fifth comparison unit 233, sixth comparison unit 234, withdrawal amount setting unit 236, repayment amount setting unit 238, transaction account information DB 140, credit line information DB 150, deposit account information DB 160, monitoring unit 166, replenishment unit 168 Etc. In the following description, it is assumed that the first currency and the second currency are foreign currencies, and the third currency is a domestic currency. Further, explanation will be given by exemplifying US dollars and euros as foreign currencies and yen as domestic currencies. In the following, description of the configuration having the same function as in the first embodiment will be omitted, and configuration different from the first embodiment will be described in detail.

  The communication unit 122 functions as an acquisition unit that acquires withdrawal request information including a withdrawal amount of euro input from the automatic transaction apparatus 10 according to a customer operation. The first comparison unit 224 has a function of comparing the euro withdrawal request amount received via the communication unit 222 with the account balance amount of the euro trading account 144. The first comparison unit 224 provides the comparison result to the second comparison unit 225.

The second comparison unit 225 determines whether the withdrawal request amount of the euro trading account is the first when the euro withdrawal amount is determined to be larger than the account balance amount of the euro trading account based on the comparison result of the first comparison unit 224. 1 has a function of comparing the shortage amount with the account balance amount of a US dollar trading account. That the withdrawal amount requested by the user is larger than the account balance amount of the euro trading account means that the withdrawal amount requested by the customer cannot be satisfied only by the trading account of the user. Therefore, the second comparison unit 225 determines whether or not the shortage is within the range of the account balance of the US dollar trading account. In the comparison by the second comparison unit 225, the shortage amount may be converted into dollars for comparison, or the account balance amount of the dollar trading account may be converted into euro for comparison. Further, the conversion rate at the time of comparison may be the rate at the time of the withdrawal request, or a conversion rate that is updated every predetermined time. The second comparison unit 225 provides the comparison result to the third comparison unit 226. The first shortage amount is represented by the following mathematical formula.
1st shortage = Euro withdrawal requirement-Euro trading account balance

The third comparison unit 226 determines that the first shortage amount is less than the US dollar amount from the first shortage amount when it is determined from the comparison result of the second comparison unit 225 that the first shortage amount is larger than the account balance amount of the US dollar trading account. It has a function of comparing the second shortage amount obtained by subtracting the account balance amount of the transaction account with the credit amount given to the customer. That the second shortage amount is larger than the account balance amount of the US dollar trading account means that the second shortage amount cannot be satisfied only by the US dollar trading account. The credit amount may be given in dollars or in euros. Therefore, the third comparison unit 226 determines whether or not the second shortage amount is within the credit frame range. The third comparison unit 226 provides the comparison result to the lending amount setting unit 228 and the fourth comparison unit 232. The second shortage amount is expressed by the following mathematical formula.
2nd deficit = 1st deficit-US dollar trading account balance

  The loan amount setting unit 228 has a function of setting the second shortage amount as a loan amount when the third comparison unit 226 determines that the second shortage amount is equal to or less than the credit amount. As mentioned above, the withdrawal request amount cannot be satisfied with only a euro trading account and a US dollar trading account, but if the second shortage is within the credit range, it will be handled in the same way as when using normal credits. It becomes. That is, the amount corresponding to the loan amount is withdrawn from the customer's deposit account at a later date, with the second shortage amount being the loan amount to the customer. The loan amount setting unit 228 may set an amount obtained by adding a fee or the like to the second shortage amount as the loan amount.

  The withdrawal amount setting unit 230 has a function of setting, as the withdrawal amount from the automatic transaction apparatus 10, an amount including the sum of the account balance amount and the loan amount of the euro transaction account and the US dollar transaction account. The withdrawal amount setting unit 230 may set, as the withdrawal amount, an amount including a withdrawal fee in addition to the sum of the account balance amount and the loan amount of the euro transaction account and the US dollar transaction account. If the third comparison unit 226 determines that the second shortage amount is larger than the credit amount, the withdrawal amount requested by the customer cannot be withdrawn from the automatic transaction apparatus 10. In this case, a message indicating that the withdrawal cannot be performed may be transmitted to the automatic transaction apparatus 10 so that the message is displayed on the display screen of the automatic transaction apparatus 10.

  The fourth comparison unit 232 has a function of comparing the loan amount set by the loan amount setting unit 228 with the account balance amount of the euro deposit account. The account balance amount of the user's deposit account is stored as information on the euro deposit account 165 of the deposit account information DB 160. The fourth comparison unit 232 provides the comparison result to the fifth comparison unit 233.

  The fifth comparison unit 233 subtracts the account balance amount of the euro deposit account from the loan amount when it is determined from the comparison result of the fourth comparison unit 232 that the loan amount is larger than the account balance amount of the euro deposit account. The third shortage amount is compared with the account balance amount of the US dollar deposit account. That the loan amount is larger than the account balance amount of the euro deposit account means that the loan amount set for the customer cannot be satisfied only by the euro deposit account.

Therefore, the fifth comparison unit 233 determines whether the shortage is within the range of the US dollar deposit account balance. The fifth comparison unit 233 converts the third deficit set in euros into US dollars, and compares the third deficit converted into euros with the account balance amount of the deposit account in US dollars. May be. Further, the fifth comparison unit 233 converts the account balance amount of the US dollar deposit account into euros, and compares the third shortage amount with the account balance amount of the US dollar deposit account converted into euros. It may be. The fifth comparison unit 233 provides the determination result to the sixth comparison unit. The third shortage is expressed by the following mathematical formula.
Third shortage amount = loan amount-euro deposit account balance amount (loan amount = euro withdrawal request amount-(euro transaction account and US dollar transaction account balance))

  If it is determined from the comparison result of the fifth comparison unit 233 that the third shortage amount is larger than the account balance amount of the US dollar deposit account, the sixth comparison unit 234 calculates the US dollar amount from the third shortage amount. The fourth deficiency obtained by subtracting the account balance amount of the deposit account is compared with the account balance amount of the yen deposit account. That the third shortage amount is larger than the account balance amount of the US dollar deposit account means that the third shortage amount cannot be satisfied only by the US dollar deposit account.

Therefore, the sixth comparison unit 234 determines whether or not the fourth shortage amount is within the range of the customer's yen deposit account balance. The fourth shortage is expressed by the following mathematical formula.
4th deficit = 3rd deficit-US dollar deposit account balance

  The sixth comparison unit 234 converts the fourth deficit set in euros into yen, and compares the fourth deficit converted into yen with the account balance of the yen deposit account. Good. Further, the sixth comparison unit 234 converts the account balance amount of the yen deposit account into euros, and compares the fourth shortage amount with the account balance amount of the euro deposit account converted into euros. Also good.

  The withdrawal amount setting unit 236, when the sixth comparison unit 234 determines that the fourth shortage amount is equal to or less than the account balance amount of the yen deposit account, the withdrawal amount of the deposit account with the fourth shortage amount It has the function to set as. If the loan amount cannot be satisfied with the account balance amount of the euro deposit account and the US dollar deposit account alone, the account balance amount of the euro deposit account and the account balance amount of the US dollar deposit account will be debited, The deficiency of 4 will be withdrawn from the yen deposit account. The withdrawal amount setting unit 236 may set an amount obtained by adding a fee to the fourth shortage amount as the withdrawal amount.

  The repayment amount setting unit 238 has a function of setting, as the repayment amount of the loan amount, an amount including the sum of the account balance amount of the euro deposit account and the US dollar deposit account and the withdrawal amount set by the withdrawal amount setting unit 236. . The repayment amount setting unit 238 may set an amount including a deduction fee or the like as the deduction amount in addition to the sum of the account balance amount of the euro and US dollar deposit account and the deduction amount. If the sixth comparison unit determines that the fourth shortage amount is larger than the account balance amount of the yen deposit account, the customer cannot repay the deposit account. In this case, the customer may be notified that the repayment is impossible.

  Since the functions of the monitoring unit 166 and the replenishing unit 168 are the same as those in the first embodiment, detailed description thereof is omitted. In this embodiment, the monitoring unit 166 and the replenishment unit 168 monitor not only the US dollar transaction account of the transaction account information 140 but also the account balance amount of the euro transaction account, and replenish a predetermined amount. It may be.

[3-3] Details of Operation of Information Processing Apparatus The functional configuration of the information processing apparatus 200 according to the present embodiment has been described above. Next, details of the operation of the information processing apparatus 200 will be described with reference to FIGS. 10 and 11. 10 and 11 are flowcharts showing details of the operation of the information processing apparatus 200. As shown in FIG. 10, first, the acquisition unit receives a withdrawal request amount (euro) from a customer (S202). Then, the first comparison unit 224 compares the withdrawal request amount received in step S202 with the account balance amount of the euro trading account (S204).

  If it is determined in step S204 that the withdrawal request amount is equal to or less than the account balance amount of the euro transaction account, the account balance amount of the euro transaction account is updated (S206). In step S206, the amount obtained by subtracting the withdrawal request amount from the account balance amount of the euro transaction account is updated to the account balance amount of the euro transaction account. Then, the ATM is notified that the payment process is possible, and the payment process from the ATM is performed (S208).

  When it is determined in step S204 that the withdrawal request amount is larger than the account balance amount of the euro trading account, the second comparison unit 225 calculates the first shortage amount and the account balance amount of the US dollar trading account. Compare (S210). The first shortage amount is an amount obtained by subtracting the account balance amount of the euro trading account from the euro withdrawal request amount. If it is determined in step S210 that the first shortage is equal to or less than the account balance amount of the US dollar prepaid account, the account balance amount of the euro transaction account is updated (S212), and the US dollar transaction account is updated. The account balance amount is updated (S214). Then, similarly to step S208, payment processing from ATM is performed (S216). In step S212, the account balance of the euro trading account is updated to “0”, and in step S214, the account balance of the US dollar trading account is subtracted from the account balance amount of the US dollar trading account by the first shortage amount. Updated.

  If it is determined in step S210 that the first shortage amount is greater than the account balance amount of the US dollar trading account, the customer's credit limit 152 is confirmed (S218). Then, the third comparison unit 226 compares the second shortage amount with the credit limit (S220). The second shortage is the amount required to withdraw euros and the account balance of euro and US dollar trading accounts. That is, the second shortage amount is an amount obtained by subtracting the account balance amount of the US dollar trading account from the first shortage amount. In step S220, the account balance of the US dollar trading account is converted to euro and subtracted from the first shortage.

  If it is determined in step S220 that the second shortage amount is larger than the credit limit, the fact that payment is not possible is displayed on the ATM display screen (S222). If it is determined in step S220 that the second shortage amount is equal to or less than the credit limit, the credit limit is updated (S224). In step S224, an amount obtained by subtracting the second shortage amount from the credit limit is set as a new credit limit for the customer. Then, the lending amount setting unit 228 holds the second shortage amount as a lending amount (S226). Next, the withdrawal amount setting unit 230 updates the account balance of the euro trading account (S228), and updates the account balance of the US dollar trading account (S230). In step S230, the account balances of the euro and US dollar trading accounts are updated to “0”. Then, the withdrawal amount set by the withdrawal amount setting unit 230 is paid from the ATM (S232).

  Next, the fourth comparison unit 232 charges the deposit amount held in step S226 to the euro deposit account (S234), and compares the loan amount with the account balance amount of the euro deposit account (S236). If it is determined in step S236 that the loan amount is equal to or less than the account balance amount of the euro deposit account, the account balance amount of the euro deposit account is updated (S238). In step S238, the amount obtained by subtracting the loan amount from the account balance amount of the euro deposit account is updated to the account balance amount of the euro deposit account. Then, a repayment process for the loan amount is executed (S240).

  When it is determined in step S236 that the loan amount is larger than the account balance amount of the euro deposit account, the fifth comparison unit 233 compares the third shortage amount with the account balance amount of the US dollar deposit account. (S242). The third shortage is an amount obtained by subtracting the account balance of the euro deposit account from the loan amount. If it is determined in step S242 that the loan amount is equal to or less than the account balance amount of the euro deposit account, the account balance of the euro deposit account is updated (S244), and the account balance of the US dollar deposit account is updated. Update (S246). In step S244, the account balance of the euro deposit account is updated to “0”, and in step S246, the account balance of the US dollar deposit account is updated to an amount obtained by subtracting the third shortage amount from the balance of the US dollar deposit account. The Then, the repayment process of the loan amount is executed (S248).

  When it is determined in step S242 that the third shortage amount is larger than the account balance amount of the US dollar deposit account, the sixth comparison unit 234 checks the account balance amount of the yen deposit account (S250). . Then, the sixth comparison unit 234 compares the fourth shortage amount with the account balance amount of the yen deposit account (S252). The fourth shortage is an amount obtained by subtracting the balance of the deposit account of the euro and the US dollar from the loan amount. If it is determined in step S252 that the fourth shortage amount is less than or equal to the account balance amount of the yen deposit account, the withdrawal amount setting unit 236 converts the fourth shortage amount yen into euros. The withdrawal amount is set (S254).

  Then, the repayment amount setting unit 238 sets the amount including the sum of the account balance amount of the deposit account of Euro and US dollars and the deduction amount set in step S254 as the repayment amount of the loan amount, and repayment processing of the loan amount (S256). Then, the account balance amount of the yen deposit account is updated (S258). In step S258, the amount obtained by subtracting the fourth shortage from the account balance amount of the yen deposit account is updated to the account balance amount of the yen deposit account.

  If it is determined in step S252 that the fourth shortage amount is larger than the account balance amount of the yen deposit account, the customer is informed that the loan amount set in step S226 cannot be repaid. (S260). In step S260, the credit system side is also notified that the loan amount cannot be repaid. In addition, the customer may be notified by e-mail or the like to make a payment by a predetermined date and time. The details of the operation of the information processing apparatus 200 according to the present embodiment have been described above.

  In this embodiment, when the euro withdrawal request amount from the customer is larger than the account balance amount of the euro trading account, the shortage amount is withdrawn from the account balance amount of the US dollar trading account. In addition, if the shortage cannot be applied even with the account balance amount of the US dollar trading account, the shortage is lent out within the customer's credit line, and the amount of euro equivalent to the withdrawal request amount is withdrawn from the automatic transaction device. Make it possible. Then, regarding the loan amount lent within the credit limit, the repayment amount is the account balance amount of the customer's euro deposit account and US dollar deposit account.

  If the loan amount is larger than the account balance amount of the euro deposit account and the account balance amount of the US dollar deposit account, the shortage is repaid from the account balance amount of the yen deposit account. As a result, it is possible to reduce the exchange risk that occurs when converting currency by debiting from a transaction account of the same currency as the requested foreign currency or another foreign currency. In addition, if there are not enough foreign currency trading accounts, the withdrawal account will not be withdrawn from the deposit account, but will be withdrawn within the limits of the credit line. It is possible to avoid unexpected situations arising from shortages. In addition, if payment cannot be made with a euro deposit account alone, only the portion of the loan amount reduced by the euro balance managed in the euro deposit account will be converted and settled at the exchange rate at the time of settlement. Even if there is a significant exchange rate fluctuation due to, unexpected payments can be kept to a minimum.

[4] Third Embodiment The second embodiment has been described above. Next, a third embodiment will be described with reference to FIGS.

[4-1] Overview In the third embodiment, the position of an automatic transaction apparatus that can be used within a predetermined range is displayed on a map from the position information of a terminal or the like owned by the user, or is used from the position information. The balance of the trading account corresponding to the currency to be displayed can be displayed. Thereby, in the area where a user visits for the first time, the anxiety about withdrawing foreign currency etc. from a transaction account can be removed. In addition, by confirming in advance the balance of the transaction account for the currency used in the area visited by the user, it is possible to avoid an unexpected situation that the balance cannot be withdrawn when withdrawing foreign currency from the automatic transaction apparatus. Become.

[4-2] Functional configuration of information processing apparatus The outline of the present embodiment has been described above. Since the hardware configuration according to this embodiment is the same as that of the first embodiment, description thereof is omitted. Next, the functional configuration of the information processing apparatus 300 will be described with reference to FIG. As shown in FIG. 12, the information processing apparatus 300 includes a communication unit 322, a balance information update unit 301, a location information acquisition unit 302, an available currency acquisition unit 304, an account balance acquisition unit 306, a display control unit 308, and map information. An acquisition unit 312 is provided.

  The communication unit 322 transmits / receives data to / from the automatic transaction apparatus 10, the credit management server 20, the transaction account management server 30, the deposit account management server 40, and the like via the communication network, and between the user terminal 50 owned by the user. But it has a function to send and receive data. It has a function of acquiring position information from the user terminal 50 and transmitting various information such as map information and transaction account information to the user terminal 50.

  The balance information update unit 301 has a function of updating the balance information of each account stored in the transaction account information 140 and the deposit account information 160. In this embodiment, you may make it further have the structure similar to 1st Embodiment. That is, in the information processing apparatus 300, the first comparison unit 124, the second comparison unit 126, the loan amount setting unit 128, the withdrawal amount setting unit 130, the third comparison unit 132, the fourth comparison unit 134, the withdrawal of the first embodiment. You may further have the function of the amount setting part 136, the repayment amount setting part 138, transaction account information DB140, credit line information DB150, deposit account information DB160, the monitoring part 166, and the supplement part 168.

  As described above, when the configuration is the same as that of the first embodiment, the balance information update unit 301 receives each account from the lending amount setting unit 128, the withdrawal amount setting unit 130, the withdrawal amount setting unit 136, and the like. You may make it receive the information of withdrawal amount. For example, when the information processing apparatus 300 is mainly for banking, the balance information update unit 301 uses the loan amount set by the loan amount setting unit 128 and the withdrawal amount set by the withdrawal amount setting unit 136. The account balance amount of the US dollar deposit account and the account balance amount of the yen deposit account are updated. As described above, when the loan amount cannot be applied only with the account balance amount of the US dollar deposit account, the account balance amount of the yen deposit account is applied. In this case, the balance information update unit 301 updates the account balance amount of the US dollar deposit account to “0”, and subtracts the withdrawal amount from the account balance amount of the yen deposit account to the account balance amount of the yen deposit account. Update to the amount.

  The position information acquisition unit 302 has a function of acquiring position information of the user terminal 50 via the communication unit 322. Further, the position information acquisition unit 302 may acquire position information designated by a user instruction. For example, a country name or a region name may be selected by the user, or a predetermined range on the map may be selected. The position information acquisition unit 302 provides the acquired position information to the available currency acquisition unit 304 and the display control unit 308. The available currency acquisition unit 304 has a function of acquiring a currency type that can be used at a position corresponding to the position information provided from the position information acquisition unit 302. For example, when the available currency and the position information are associated with each other in the storage unit, the available currency acquisition unit acquires the available currency associated with the position information.

  Here, with reference to FIG. 13, the association between the position information and the available currency will be described. FIG. 13 is an explanatory diagram illustrating the association between position information and available currency. As shown in FIG. 13, the location information 3052 and the available currency 3051 are recorded in the available currency table 305 in association with each other. In the usable currency table 305, for example, position information 552 such as latitude and longitude is associated with each currency (usable currency) 551 such as US dollar (USD) and euro (EUR). For example, when the position information is “XX to ▲▲”, the usable currency at the position is US dollars.

  Returning to FIG. 12, the description of the functional configuration is continued. The available currency acquisition unit 304 provides the acquired available currency information to the account balance acquisition unit 306. The account balance acquisition unit 306 has a function of acquiring balance information of a deposit account corresponding to the available currency type provided by the available currency acquisition unit 304. The account balance acquisition unit 306 provides the acquired balance account balance information to the display control unit 308. The account balance acquisition unit 306 may acquire not only the balance information of the customer transaction account information 140 and the deposit account information 160 but also the amount that the customer can withdraw from the credit line information 150.

  The map information acquisition unit 312 has a function of acquiring map information including at least the position of the automatic transaction apparatus 10 from the map information recording unit 320. The map information recording unit 320 is integrated with the information processing apparatus 300, but is not limited to this example, and the map information recording unit 320 may be a separate device from the information processing apparatus 300. For example, a system provided on the bank side may store the map information recording unit 320 in which map information is recorded. When the map information recording unit 320 is provided in a server device or the like separate from the information processing device 300, the map information recording unit 320 may be acquired via the communication unit 322. The map information acquisition unit 312 provides the acquired map information to the map information display control unit 310.

  The display control unit 308 includes a balance information display control unit 309 and a map information display control unit 310. The balance information display control unit 309 has a function of controlling display of balance information of the deposit balance acquired by the account balance acquisition unit 306. Specifically, information for displaying the balance information of the deposit balance on the display screen of the user terminal 50 is provided to the communication unit 322.

  The map information display control unit 310 has a function of controlling the display of map information corresponding to the position information acquired by the position information acquisition unit 302 from the map information recorded in the map information recording unit 320. The map information recording unit 320 records map information including at least the position of the automatic transaction apparatus. The map information display control unit 310 provides the communication unit 322 with information for displaying on the display screen of the user terminal 50 map information that clearly indicates the position of the automatic transaction apparatus on a predetermined range of the map.

  Here, the display of the map information displayed by the map information display control unit 310 and the balance information displayed by the balance information display control unit 309 will be described with reference to FIG. FIG. 14 is an explanatory diagram for explaining display of map information and balance information. As shown in FIG. 14, a display screen 510 including a wide area map including a region designated by the user is displayed on the display screen of the user terminal 50. For example, the map may be displayed on the display screen of the user terminal 30 such as a travel destination from which the user will depart, and the area or the like may be instructed by clicking on the destination. Then, when the map scale is enlarged to a predetermined magnification, a display screen 520 including the position of the automatic transaction apparatus is displayed.

  On the map 524, the position of the automatic transaction apparatus existing in the area is displayed with a star or the like. In addition, a deposit account balance 522 in a currency that can be used in the region where the user is located is displayed. The deposit account balance 522 may be displayed immediately after the destination is clicked by the user regardless of the scale of the map. In addition, when the map display has a predetermined magnification, information on a predetermined range in the east, west, south, and north directions may be acquired around a specified position. As the deposit account balance, for example, a transaction account in an available currency and a balance of the deposit account may be displayed separately, or an amount obtained by adding the balance of the transaction account and the deposit account may be displayed. In addition, the account balance amount of the transaction account may be displayed as a withdrawable amount 526. Furthermore, as described above, an amount that can be withdrawn within the user's credit limit may be displayed.

[4-3] Details of Operation of Information Processing Device The functional configuration of the information processing device 300 has been described above. Next, details of the operation of the information processing apparatus 300 will be described with reference to FIG. FIG. 15 is a flowchart showing details of the operation of the information processing apparatus 300. As shown in FIG. 15, first, the location information acquisition unit 302 acquires location information of the user terminal 50 (S302).

  The available currency acquisition unit 304 searches the available currency table 305 for available currencies (S304). Then, it is determined whether there is an available currency corresponding to the position information (S306). If it is determined in step S306 that there is no available currency corresponding to the position information, a message indicating that the currency cannot be used is displayed (S308).

  If it is determined in step S306 that there is an available currency corresponding to the position information, it is determined whether it is another currency (S310). The other currency is a foreign currency that does not have a foreign currency transaction account or a deposit account. For example, if the available currency is the euro and the user has only a US dollar trading account or deposit account, the euro will be another currency. If it is determined in step S310 that the currency is not another currency, the transaction account information 140 or the deposit account information 160 is requested and acquired for the transaction account of the available currency and the foreign currency deposit account (S312). .

  If it is determined in step S310 that the currency is other currency, the display screen displays that payment is to be performed by exchange conversion from an existing account (S316). And the map information of the predetermined range near the positional information acquired in step S302 is acquired (S314). Then, the balance information display control unit 309 displays the balance information on the display screen, and the map information display control unit 310 displays the map information on the display screen (S318). The details of the operation of the information processing apparatus 300 have been described above.

  According to this embodiment, the position of the automatic transaction apparatus existing in the area where the user is located can be displayed on the map, and the balance information of currencies available in the area can be displayed. Thereby, in the area where a user visits for the first time, the anxiety about withdrawing foreign currency etc. from a transaction account can be removed. In addition, by confirming in advance the balance of the transaction account for the currency used in the area visited by the user, it is possible to avoid the unexpected situation that the balance cannot be withdrawn when withdrawing foreign currency from the automatic transaction device Become.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, each step in the processing of the information processing apparatuses 100, 200, and 300 in this specification does not necessarily have to be processed in time series in the order described as a flowchart. That is, each step in the processes of the information processing apparatuses 100, 200, and 300 may be executed in parallel even if they are different processes.

  A computer program for causing hardware such as a CPU, a ROM, and a RAM built in the information processing apparatuses 100, 200, and 300 to exhibit functions equivalent to those of the above-described configurations of the information processing apparatuses 100, 200, and 300 Can also be created. A storage medium storing the computer program is also provided.

100, 200, 300 Information processing device 122, 222, 322 Communication unit 124, 224 First comparison unit 126, 225 Second comparison unit 132, 226 Third comparison unit 128, 228 Lending amount setting unit 130, 230 Withdrawal amount setting unit 134, 232 Fourth comparison unit 136, 236 Withdrawal amount setting unit 138, 238 Repayment amount setting unit 166 Monitoring unit 168 Replenishment unit 233 Fifth comparison unit 234 Sixth comparison unit 302 Location information acquisition unit 304 Available currency acquisition unit 306 Account Balance acquisition unit 308 Display control unit

Claims (10)

An acquisition unit for acquiring withdrawal request information including a withdrawal request amount of the first currency from the automatic transaction apparatus in accordance with a customer operation;
A first comparison unit that compares a withdrawal request amount of the first currency with an account balance amount of a trading account of the first currency;
When the first comparison unit determines that the withdrawal request amount of the first currency is larger than the account balance amount of the trading account of the first currency, the withdrawal request of the trading account of the first currency A second comparison unit for comparing a first shortage amount with a credit amount and a credit amount given to the customer;
A lending amount setting unit that sets the first deficient amount as a lending amount when the second comparing unit determines that the first deficient amount is equal to or less than the credit amount;
A withdrawal amount setting unit for setting, as a withdrawal amount from the automatic transaction apparatus, an amount including an account balance amount of the transaction account of the first currency and the total of the loan amount;
A third comparison unit that compares the loan amount with an account balance amount of the deposit account of the first currency;
When the third comparison unit determines that the loan amount is larger than the account balance amount of the first currency deposit account, the account balance amount of the first currency deposit account is subtracted from the loan amount. A fourth comparison unit that compares the second shortage amount and the account balance amount of the deposit account of the second currency;
When the fourth comparison unit determines that the second shortage amount is equal to or less than the account balance amount of the deposit account in the second currency, the second shortage amount is used as the second currency deposit amount. A debit amount setting section to set as the debit amount of the account;
A repayment amount setting unit for setting an amount including the sum of the account balance amount of the deposit account of the first currency and the withdrawal amount as a repayment amount of the loan amount;
An information processing apparatus comprising:   The fourth comparison unit converts the second shortage amount into the second currency, and the account of the second shortage amount converted into the second currency and the deposit account in the second currency. The information processing apparatus according to claim 1, which compares a balance amount.   The fourth comparison unit converts the account balance amount of the deposit account of the second currency into the first currency, and converts the second shortage amount and the second currency into the first currency. The information processing apparatus according to claim 1, which compares an account balance amount of a currency deposit account. A monitoring unit for monitoring an account balance amount of the trading account of the first currency;
If the monitoring unit determines that the account balance amount of the trading account in the first currency is equal to or less than a predetermined amount, the customer indicates that the account balance amount in the transaction account in the first currency is equal to or less than the predetermined amount. A notification unit to notify
The information processing apparatus according to claim 1, comprising: A monitoring unit for monitoring an account balance amount of the trading account of the first currency;
A replenishment unit that replenishes at least the amount that satisfies the predetermined amount from the deposit account of the first currency when the monitoring unit determines that the account balance amount of the trading account of the first currency is equal to or less than a predetermined amount When,
The information processing apparatus according to claim 1, comprising: An acquisition unit for acquiring a withdrawal request amount of the second currency;
A first comparison unit that compares a withdrawal request amount of the second currency with an account balance amount of a trading account of the second currency;
When the first comparison unit determines that the withdrawal request amount of the second currency is larger than the account balance amount of the trading account of the second currency, the withdrawal request amount of the trading account of the second currency A second comparison unit that compares the first shortage amount with respect to the account balance amount of the trading account of the first currency;
When the second comparing unit determines that the first shortage amount is larger than the account balance amount of the trading account in the first currency, the trading account in the first currency is calculated from the first shortage amount. A third comparison unit for comparing the second shortage amount obtained by subtracting the account balance amount of the customer and the credit amount given to the customer;
A loan amount setting unit that sets the second shortage amount as a loan amount when the third comparison unit determines that the second shortage amount is equal to or less than the credit amount;
A withdrawal amount setting unit that sets, as a withdrawal amount from the automatic transaction apparatus, an amount including the sum of the account balance amount of the transaction account of the first currency and the second currency and the loan amount;
A fourth comparison unit that compares the loan amount with an account balance amount of the deposit account of the second currency;
When the fourth comparison unit determines that the loan amount is greater than the account balance amount of the second currency deposit account, the account balance amount of the second currency deposit account is subtracted from the loan amount. A fifth comparison unit that compares the third shortage amount and the account balance amount of the deposit account of the first currency;
When the fifth comparison unit determines that the third shortage amount is larger than the account balance amount of the first deposit account, the account balance amount of the first deposit account is calculated from the third shortage amount. A sixth comparison unit that compares the fourth deficient amount obtained by subtracting the value with the account balance amount of the deposit account in the third currency;
A deduction amount setting unit for setting the fourth shortage amount as a deduction amount of the third currency deposit account by the sixth comparison unit;
A repayment amount setting unit for setting an amount including the sum of the account balance amount of the deposit account of the first currency and the second currency and the withdrawal amount as the repayment amount of the loan amount;
An information processing apparatus comprising:   The information processing apparatus according to claim 6, wherein a currency of the loan amount set by the loan amount setting unit is the second currency. Acquiring withdrawal request information including a withdrawal request amount of the first currency from the automatic transaction apparatus in response to a customer operation;
A first comparison step of comparing a withdrawal request amount of the first currency with an account balance amount of a trading account of the first currency;
When the first comparison step determines that the requested withdrawal amount of the first currency is larger than the account balance amount of the trading account of the first currency, the withdrawal of the trading account of the first currency A second comparison step of comparing a first deficit amount with respect to the requested amount with a credit amount given to the customer;
A step of setting the first shortage amount as a loan amount when it is determined by the second comparison step that the first shortage amount is equal to or less than the credit amount;
Setting an amount including an account balance amount of the transaction account of the first currency and a total of the loan amount as a withdrawal amount from the automatic transaction apparatus;
A third comparison step of comparing the loan amount with an account balance amount of the deposit account of the first currency;
When it is determined by the third comparison step that the loan amount is larger than the account balance amount of the deposit account of the first currency, the account balance amount of the deposit account of the first currency is calculated from the loan amount. A fourth comparison step for comparing the subtracted second shortage amount with the account balance amount of the deposit account of the second currency;
When it is determined by the fourth comparison step that the second shortage amount is equal to or less than the account balance amount of the deposit account in the second currency, the second shortage amount is calculated in the second currency amount. Setting as a withdrawal amount for the deposit account;
Setting an amount including an account balance amount of the deposit account of the first currency and a sum of the withdrawal amount as a repayment amount of the loan amount;
Including an information processing method. An acquisition unit that acquires withdrawal request information including a withdrawal request amount of a first currency from an automatic transaction apparatus in response to a customer operation, a withdrawal request amount of the first currency, and a trading account of the first currency When the first comparison unit that compares the account balance amount and the first comparison unit determines that the withdrawal amount of the first currency is larger than the account balance amount of the trading account of the first currency A second comparison unit that compares a first shortage amount with respect to the withdrawal request amount of the transaction account in the first currency and a credit amount given to the customer; and A loan amount setting unit configured to set the first shortage amount as a loan amount when it is determined that a shortage amount of 1 is equal to or less than the credit amount; an account balance amount of a trading account in the first currency; Withdrawal amount that sets the amount including the total loan amount as the withdrawal amount from the automatic transaction device An information processing apparatus connected via a currency withdrawal process device and the network and a tough,
A loan amount input unit for inputting the loan amount set by the foreign currency withdrawal processing device;
A third comparison unit that compares the loan amount with an account balance amount of the deposit account of the first currency;
When the third comparison unit determines that the loan amount is larger than the account balance amount of the first currency deposit account, the account balance amount of the first currency deposit account is subtracted from the loan amount. A fourth comparison unit that compares the second shortage amount and the account balance amount of the deposit account of the second currency;
When the fourth comparison unit determines that the second shortage amount is equal to or less than the account balance amount of the deposit account in the second currency, the second shortage amount is used as the second currency deposit amount. A debit amount setting section to set as the debit amount of the account;
A repayment amount setting unit for setting an amount including the sum of the account balance amount of the deposit account of the first currency and the withdrawal amount as a repayment amount of the loan amount;
An information processing apparatus comprising: An acquisition unit that acquires withdrawal request information including a withdrawal request amount of a first currency from an automatic transaction apparatus in response to a customer operation, a withdrawal request amount of the first currency, and a trading account of the first currency When the first comparison unit that compares the account balance amount and the first comparison unit determines that the withdrawal amount of the first currency is larger than the account balance amount of the trading account of the first currency A second comparison unit that compares a first shortage amount with respect to the withdrawal request amount of the transaction account in the first currency and a credit amount given to the customer; and A loan amount setting unit configured to set the first shortage amount as a loan amount when it is determined that a shortage amount of 1 is equal to or less than the credit amount; an account balance amount of a trading account in the first currency; Withdrawal amount that sets the amount including the total loan amount as the withdrawal amount from the automatic transaction device An information processing apparatus connected via a currency withdrawal process device and the network and a tough,
A lending amount input unit for inputting the lending amount set by the withdrawal processing device;
A third comparison unit that compares the loan amount with an account balance amount of the deposit account of the first currency;
When the third comparison unit determines that the loan amount is larger than the account balance amount of the first currency deposit account, the account balance amount of the first currency deposit account is subtracted from the loan amount. A fourth comparison unit that compares the second shortage amount and the account balance amount of the deposit account of the second currency;
When the fourth comparison unit determines that the second shortage amount is equal to or less than the account balance amount of the deposit account in the second currency, the second shortage amount is saved as the second currency deposit amount. A debit amount setting section to set as the debit amount of the account;
A repayment amount setting unit for setting an amount including the sum of the account balance amount of the deposit account of the first currency and the withdrawal amount as a repayment amount of the loan amount;
A balance information update unit that updates balance information of the deposit account of the first currency and the second currency according to the loan amount and the withdrawal amount;
A location information acquisition unit for acquiring location information;
A map information acquisition unit for acquiring map information including at least the position of the automatic transaction device within a predetermined range of the position information acquired by the position information acquisition unit;
An available currency acquisition unit for acquiring a currency type that can be used at a position corresponding to the position information;
An account balance acquisition unit for acquiring balance information of a trading account corresponding to the available currency type;
A balance information display control unit for controlling display of balance information of the transaction account acquired by the account balance acquisition unit;
A map information display control unit for controlling display of the map information acquired by the map information acquisition unit;
An information processing apparatus comprising:

Images