JP2017021424A - Guide support device and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique for precisely guiding a user to a facility for performing transaction with a financial institution used by the user.SOLUTION: A management server 20 obtains positional information from a communication terminal device 10 (S3). The management server 20 performs an estimation process to estimate a transaction facility for performing transaction with a prescribed financial institution used by a user on the basis of information on the deposit or withdrawal into or from the account of the user at the financial institution and the balance of the account (S4). If the management server 20 determines that it has estimated the transaction facility used by the user (S5: Yes), it pinpoints a position where the estimated transaction facility is located within a search area based on a position identified by the obtained positional information (S6). Then, the management server 20 transmits guide data for guiding the user to the transaction facility to the communication terminal device 10 (S7). The communication terminal device 10 performs a guide process to guide the user to the transaction facility on the basis of the obtained guide data (S8 and S9).SELECTED DRAWING: Figure 6

Description

  The present invention relates to a technique for guiding a user to a facility for performing a transaction with a financial institution such as an automated teller machine (ATM) or a window.

  Customers with accounts at multiple financial institutions may use each account for purposes such as depositing salaries and bonuses, debiting various fees such as credit card usage fees and public charges, and savings. . A technique for managing such a plurality of accounts is described in Patent Document 1. Specifically, in Patent Document 1, when the balance of the account before the withdrawal is insufficient, the bank host of the account that can obtain the account information from the bank hosts of all the banks and transfer to the account Describes requesting the transfer.

JP 2003-281458 A

By the way, customers who conduct transactions with financial institutions may not be familiar with the location of a transaction terminal such as an ATM or a CD (Cash Dispenser) or a window that can be used for the transaction. Even if the customer is planning to do business with a financial institution, he or she may forget it. For example, even if the customer intends to deposit the account before the date of debiting the credit card usage fee, the customer may forget the deposit and the account may run out of balance.
Therefore, an object of the present invention is to provide a technique for accurately guiding a facility for performing a transaction with a financial institution used by a user to the user.

  In order to solve the above-described problem, the guidance support apparatus of the present invention includes a location information acquisition unit that acquires location information, an estimation unit that estimates equipment for performing a transaction with a predetermined financial institution used by a user, Specifying means for specifying the estimated position of the equipment within a range based on the position specified by the acquired position information.

In the guidance support apparatus of the present invention, the estimation means estimates the equipment used by the user based on at least one of information on deposit or withdrawal of an account in the financial institution and a balance of the account. Also good.
In the guidance support apparatus of the present invention, the estimation means may estimate the equipment used by the user based on information related to the deposit or withdrawal schedule.
In the guidance support apparatus of the present invention, the estimation means may estimate the equipment used by the user based on information related to the deposit or withdrawal history.
In the guidance support apparatus of the present invention, when the estimating unit estimates the financial institution that is the withdrawal source and the financial institution that is the deposit destination by the estimating unit, the position of the facility of the financial institution that is the withdrawal source To the position of the facility of the financial institution that is the deposit destination.

In the guidance support apparatus of the present invention, the estimation means may estimate the equipment used by the user based on information on the user's behavior.
In the guidance support apparatus of the present invention, the estimation means may estimate the equipment used by the user based on information related to date and time or location.

  The program of the present invention includes a step of acquiring position information in a computer, a step of estimating equipment for performing a transaction with a predetermined financial institution used by a user, and a position specified by the acquired position information. And a step of identifying the estimated position of the facility within a range set as a reference.

  ADVANTAGE OF THE INVENTION According to this invention, the technique for guide | inducing to the said user accurately the facility for doing business with the financial institution utilized by the user can be provided.

The figure which shows the whole structure of the guidance system which concerns on one Embodiment of this invention. The block diagram which shows the hardware constitutions of the communication terminal device which concerns on the same embodiment. The block diagram which shows the hardware constitutions of the management server which concerns on the embodiment. The figure which shows an example of the content of the transaction which the transaction history information accumulate | stored in transaction information DB shows. The block diagram which shows the function structure of the communication terminal device and management server which concern on the embodiment. The flowchart which shows the process performed with the guidance system which concerns on the embodiment. The flowchart which shows the estimation process of the process example 1 which concerns on the embodiment. The figure which shows the guidance screen displayed by the guidance process of the process example 1. FIG. The flowchart which shows the estimation process of the process example 2 which concerns on the embodiment. The figure which shows the guidance screen displayed by the guidance process of the process example 2. FIG. The figure which shows the other example of the guidance screen displayed in the process example 2. FIG. The flowchart which shows the estimation process of the process example 3 which concerns on the same embodiment. The figure which shows the guidance screen displayed by the guidance process of the example 3 of a process. The flowchart which shows the estimation process of the process example 4 which concerns on the embodiment. The figure which shows the guidance screen displayed by the guidance process of the process example 4. FIG. The flowchart which shows the estimation process of the process example 5 which concerns on the embodiment. The figure which shows the guidance screen displayed by the guidance process of the example 5 of a process. The flowchart which shows the estimation process of the process example 6 which concerns on the embodiment. The figure which shows the guidance screen displayed by the guidance process of the process example 6. FIG. The flowchart which shows the estimation process of the process example 7 which concerns on the same embodiment. The figure which shows the guidance screen displayed by the guidance process of the process example 7.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram showing an overall configuration of a guidance system 1 according to an embodiment of the present invention.
The guidance system 1 is a system for guiding a facility (hereinafter referred to as “transaction facility”) used for performing a transaction with a predetermined financial institution to a user who is a customer of the financial institution. A financial institution is an institution that conducts business related to financial transactions, such as banks, credit sales companies (for example, credit card companies), insurance companies, and the like. The transaction facility is installed at a place where a user visits to conduct a transaction with a financial institution. Below, the case where the guidance system 1 guides a transaction terminal or window, such as ATM and CD, as a transaction facility of a bank is demonstrated.

  As shown in FIG. 1, the guidance system 1 includes a communication terminal device 10 and a management server 20. Communication terminal device 10 and management server 20 are connected via network 100A. The network 100A is a communication line including, for example, a mobile communication network, but may be a communication line such as a LAN (Local Area Network). The management server 20 is connected to each of the A bank server 30A, the B bank server 30B, the C bank server 30C, and the D card company server 30D via the network 100B. The network 100B is a communication line including the Internet, for example, but may be a communication line such as a dedicated line.

  The management server 20 is a server device that manages information acquired by communicating with each of the A bank server 30A, the B bank server 30B, the C bank server 30C, and the D card company server 30D. The management server 20 functions as a guidance support device that assists the user of the communication terminal device 10 with the transaction facility.

  The management server 20 acquires bank A transaction history information from the bank A server 30A, bank B transaction history information from the bank B server 30B, and bank C transaction history information from the bank C server 30C. The transaction history information is information related to the history of transactions performed by the customer with the financial institution, and specifically includes information related to the past deposit or withdrawal from the account, and account balance information. Also, the management server 20 acquires information related to the credit card of the D card company from the D card company server 30D. The management server 20 acquires, for example, transaction schedule information related to a credit card usage fee and a scheduled date of withdrawal (withdrawal) of the usage fee from the account from the D card company server 30D. In addition to this, the management server 20 may acquire information on the credit card payment or cashing usage limit and the current usage amount from the D card company server 30D.

The communication terminal device 10 is used by a user who has an account at A bank, B bank, and C bank. The communication terminal device 10 communicates with the management server 20 to display information related to the account that the user has in each financial institution or guide the transaction facility to the user. The communication terminal device 10 is a smartphone in this embodiment, but may be a device such as a feature phone, a tablet computer, a notebook computer, or a wearable computer (for example, a head mounted display).
Although only one communication terminal device 10 is shown in FIG. 1, there are actually many communication terminal devices 10. The number of bank servers or card company servers included in the guidance system 1 is merely an example.

FIG. 2 is a diagram illustrating a hardware configuration of the communication terminal device 10. As illustrated in FIG. 2, the communication terminal device 10 includes a control unit 11, a UI (User Interface) unit 12, a communication unit 13, a positioning unit 14, and a storage unit 15.
The control unit 11 includes a processor including a CPU as an arithmetic processing unit, a memory including a ROM (Read Only Memory), and a RAM (Random Access Memory). The CPU controls each unit of the communication terminal device 10 by reading the program stored in the ROM or the storage unit 15 into the RAM and executing it.

The UI unit 12 includes a display unit (for example, a liquid crystal display) that displays an image on a display surface, and a touch sensor that is provided on the display surface of the display unit so as to receive an operation input by a user's contact. It is. The communication terminal device 10 may further include other operation means such as a physical key or may have a function of accepting an operation by voice input.
The communication unit 13 includes, for example, a wireless communication circuit and an antenna, and transmits and receives data to and from an external device by connecting to the network 100A.

The positioning unit 14 includes an antenna that receives a signal from the Global Navigation Satellite System (GNSS) and a processing circuit that processes the received signal, and the position of the positioning unit 14 (in other words, communication) The terminal device 10 or the position of the user is measured. The positioning unit 14 outputs position information representing the measured position to the control unit 11. The position information in this case represents the latitude and longitude that specify the geographical position. Positioning by GNSS is generally used as GPS (Global Positioning System) positioning.
The positioning unit 14 may perform positioning by a positioning method such as base station positioning or indoor positioning.

  The storage unit 15 includes a storage device such as an EEPROM (Electronically Erasable and Programmable ROM) and a flash memory, and stores data such as an OS (Operating System) executed by the control unit 11 and a program operating on the OS. .

FIG. 3 is a diagram illustrating a hardware configuration of the management server 20. As illustrated in FIG. 3, the management server 20 includes a control unit 21, a communication unit 22, and a storage unit 23.
The control unit 21 includes a processor including a CPU as a processing unit, a memory including a ROM, and a RAM. The CPU controls each unit of the management server 20 by reading the program stored in the ROM or the storage unit 23 into the RAM and executing it.
The communication unit 22 is an interface that communicates with the networks 100A and 100B.

The storage unit 23 includes, for example, a hard disk device, and stores data such as an OS executed by the control unit 21 and a program operating on the OS. The storage unit 23 stores a transaction information DB (Data Base) 231 and a guidance DB 232. The transaction information DB 231 is a database that accumulates the acquired transaction history information and transaction schedule information. The guidance DB 232 is a database in which data for guiding transaction facilities is accumulated. The guidance DB 232 stores, for example, data representing a map and data specifying a position where a transaction facility is installed.
Although the management server 20 includes the storage unit 23 in the present embodiment, a storage device corresponding to the storage unit 23 may be provided outside the management server 20.

  FIG. 4 is a diagram illustrating an example of the contents of the transaction indicated by the transaction history information accumulated in the transaction information DB 231. In the present embodiment, the bank A account is mainly used for depositing rewards such as salaries and bonuses, and for deducting public charges. The bank B account is mainly used for debiting credit card usage fees. Bank C accounts are mainly used for savings.

As shown in FIG. 4A, in the bank A account, there is a deposit of “¥ 300,000” by transfer of salary on the transaction date “2015.5.15”, and the balance is “¥ 350,000”. In addition, in the bank A account, there was a withdrawal of “¥ 150,000” due to cash withdrawal at the transaction date and time “2015.5.15”, the balance became “¥ 200,000”, and the transaction date and time “2015.5.20” There is a withdrawal of “¥ 3,000” due to the withdrawal of water charges, and the balance is “¥ 197,000”. As shown in Fig. 4 (B), in the bank B account, there is a deposit of "\ 50,000" by cash transfer at the transaction date "2015.5.17", the balance becomes "\ 60,000", and D credit The balance is \ 20,000 due to the withdrawal of \ 40,000 due to the withdrawal of the company's credit card usage fee. As shown in FIG. 4C, in the bank C account, there is a deposit of “¥ 80,000” by cash transfer on the transaction date “2015.5.16”, and the balance is “¥ 1,000,000”.
Note that the control unit 11 may cause the UI unit 12 to display a history of a transaction performed with a financial institution or a screen indicating a transaction schedule based on the transaction information DB 231.

FIG. 5 is a block diagram illustrating functional configurations of the communication terminal device 10 and the management server 20.
The control unit 11 of the communication terminal apparatus 10 realizes functions corresponding to the reception unit 111, the position information transmission unit 112, the guidance data acquisition unit 113, and the guidance unit 114 by executing a program. The control unit 21 of the management server 20 implements functions corresponding to the position information acquisition unit 211, the estimation unit 212, the specifying unit 213, and the guidance data transmission unit 214 by executing a program.

  In the communication terminal device 10, the accepting unit 111 accepts an operation for instructing a search for a transaction facility (hereinafter referred to as “search instruction operation”) via the UI unit 12. The search instruction operation may include an operation for designating a position (for example, a geographical position) or may not include an operation for designating the position.

  The position information transmission unit 112 transmits the position information to the management server 20 via the communication unit 13. This position information is position information designated by the search instruction operation or position information indicating the position measured by the positioning unit 14.

  In the management server 20, the location information acquisition unit 211 acquires (receives) the location information transmitted by the location information transmission unit 112 via the communication unit 22.

  The estimation unit 212 estimates a transaction facility used by the user. The estimation unit 212 estimates, for example, a transaction facility used by the user without specifying the user's explicit financial institution. For this purpose, the estimation means 212 estimates transaction facilities based on information stored in the transaction information DB 231.

  The specifying unit 213 specifies the position of the transaction facility estimated by the estimating unit 212 within a range based on the position specified by the position information acquired by the position information acquiring unit 211. In the present embodiment, the specifying unit 213 searches a transaction facility within the search range based on the guidance DB 232 using a search range (for example, a circular range) within a predetermined distance from the position represented by the position information.

  The guide data transmitting unit 214 transmits guide data for guiding the transaction facility of the financial institution specified by the specifying unit 213 to the communication terminal device 10 via the communication unit 22. The guidance data includes, for example, data for specifying a position where the facility of the financial institution exists.

In the communication terminal device 10, the guidance data acquisition unit 113 acquires (receives) the guidance data transmitted by the guidance data transmission unit 214 via the communication unit 13.
The guidance unit 114 performs guidance processing for guiding the transaction facility to the user based on the guidance data acquired by the guidance data acquisition unit 113. In the present embodiment, the guidance process is a process of guiding a transaction facility used by the user by displaying an image or outputting a sound via the UI unit 12.

Next, the operation of this embodiment will be described.
FIG. 6 is a flowchart showing processing executed in the guidance system 1.
First, the control unit 11 of the communication terminal device 10 determines whether to search for transaction facilities (step S1). The control unit 11 determines to search for a transaction facility when a search instruction operation is received via the UI unit 12 or when a predetermined timing is reached (step S1; YES). The predetermined timing is, for example, a timing that visits at a predetermined cycle, but is not limited thereto.

  When it determines with "YES" at step S1, the control part 11 transmits a positional information to the management server 20 via the communication part 13 (step S2). When a position is designated in the search instruction operation, the control unit 11 transmits position information indicating the position. When the position is not specified in the search instruction operation, the control unit 11 transmits position information indicating the latest position measured by the positioning unit 14. This position information indicates the current location of the user, for example.

  The control unit 21 of the management server 20 acquires the position information transmitted by the communication terminal device 10 via the communication unit 22 (step S3). Next, the control part 21 performs the estimation process which estimates the transaction equipment utilized by a user based on transaction information DB231 memorize | stored in the memory | storage part 23 (step S4). The estimation process consists of estimating whether or not the transaction facility is used by the user, estimating whether the transaction facility is used for depositing or withdrawing, and the financial institution with the account used for depositing or withdrawing. Including estimation. Details of the estimation process will be described later.

  Next, the control part 21 determines whether the transaction equipment utilized by the user was estimated by the estimation process performed at step S4 (step S5). When no transaction facility used by the user is estimated, the control unit 21 determines “NO” in step S5 and ends the process of FIG.

  When at least one transaction facility used by the user is estimated, the control unit 21 determines “YES” in step S5. Next, the control unit 21 searches for the transaction facility estimated within the search range based on the position indicated by the position information acquired in step S3 based on the guidance DB 232, and specifies the position of the transaction facility ( Step S6). And the control part 21 transmits the guidance data which guides the specified transaction equipment to the communication terminal device 10 via the communication part 22 (step S7).

  The control part 11 of the communication terminal device 10 acquires guidance data via the communication part 13 (step S8). Next, the control part 11 performs the guidance process which guides a transaction facility to a user via the UI part 12 based on the acquired guidance data (step S9).

Then, the process example of the estimation process of step S4 and the guidance process performed by step S9 according to the said estimation process is demonstrated. In the following, it is assumed that the transaction history information accumulated in the transaction information DB 231 has the configuration described in FIG. 4 unless otherwise specified.
<Processing Example 1>
FIG. 7 is a flowchart showing the estimation process of Process Example 1.
First, the control unit 21 determines whether or not the remaining number of days until the date of deduction of a predetermined fee from the account of the financial institution becomes less than the predetermined number of days (step S401). Here, it is a usage fee for the credit card of the D card company, which is deducted on a predetermined day of the month. Based on the transaction schedule information acquired by communication with the D card company server 30D, the control unit 21 identifies the account on which the transaction for the debit is scheduled and the debit date. The condition for the number of days is specified by, for example, the server side or the user, but is not limited to these examples.
When it determines with "NO" at step S401, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

  If it is determined “YES” in step S401, the control unit 21 determines whether or not the scheduled debit amount from the account exceeds the balance of the account (step S402). Here, the control unit 21 determines whether or not the scheduled withdrawal amount exceeds the current balance of the B bank. As shown in FIG. 4B, when the scheduled debit amount is “¥ 40,000” while the current balance of bank B is “¥ 60,000”, the control unit 21 determines “NO” in step S402. Is determined. In this case, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

If the deposit of “2015.5.17” described in FIG. 4B is not performed, the control unit 21 determines “YES” in step S402. In this case, the control unit 21 estimates that the transaction facility of the corresponding financial institution is used for depositing by the user (step S403). The reason is that it is presumed that the user deposits so that the account has a sufficient balance before the date of deduction of charges from the account.
In this processing example 1, the control unit 21 transmits guidance data for performing the guidance processing described in FIG. 8 to the communication terminal device 10.

FIG. 8 is a diagram illustrating a guidance screen displayed by the guidance process of Process Example 1.
As shown in FIG. 8, the guidance screen R1 has a shortage of balance against the scheduled withdrawal amount of “B bank”. You can transfer money at the place marked with *. "And a map image M1 indicating the position of the transaction facility that can be deposited into the bank B account on the map with" ★ ". The map image M1 shows the position of the bank B X branch where the bank B counter is installed, and the position where the ATM that can deposit money into the bank B account is installed. The user who has viewed the guidance screen R1 can grasp where the bank B account can be deposited within a short distance from an arbitrary position.

<Processing example 2>
FIG. 9 is a flowchart illustrating the estimation process of Process Example 2. It is assumed that the estimation process of the process example 2 is performed on the condition that the guidance process of the process example 1 is executed.
First, the control unit 21 determines whether or not a predetermined period has elapsed after executing the guidance process of Process Example 1 (step S404). The condition of this period is specified by, for example, the server side or the user, but is not limited to these examples.
When it determines with "NO" in step S404, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

  If it is determined as “YES” in step S404, the control unit 21 determines whether or not the scheduled debit amount from the account exceeds the balance of the account (step S405). If the balance is greater than or equal to the planned withdrawal amount after depositing into the bank B account after the guidance process of Process Example 1, the control unit 21 determines “NO” in step S405. In this case, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

  When it determines with "YES" at step S405, the control part 21 estimates that the transaction facility of the financial institution with a balance more than the amount of money scheduled for withdrawal will be used by the user for withdrawal (step S406). The reason is that it is presumed that the user is looking for a financial institution to transfer to the bank B account scheduled for withdrawal.

In step S406, when there are a plurality of financial institutions having a balance equal to or more than the scheduled withdrawal amount, the control unit 21 has the highest number of transactions or frequency in the past, or the transaction facility of the financial institution with the largest current balance. Is estimated to be used. The number of transactions may be the total number of transactions so far, or may be the number of transactions within a recent predetermined period (for example, the past year). The frequency of transactions is specified by the number of transactions per predetermined period (for example, one month).
In the processing example 2, the control unit 21 transmits guidance data for performing the guidance processing described in FIG. 10 to the communication terminal device 10.

FIG. 10 is a diagram illustrating a guidance screen displayed by the guidance process of Process Example 2. FIG. 10A is a diagram showing a guidance screen R2 when it is estimated that the transaction facility of the financial institution having the highest number or frequency of transactions is used. FIG. 10B is a diagram showing a guidance screen R3 when it is estimated that the transaction facility of the financial institution having the highest balance is used.
In the guidance screen R2 shown in FIG. 10 (A), the balance is insufficient for the scheduled withdrawal amount of “B bank”. You can transfer funds from "Bank A" at the place marked with *. ”And a map image M <b> 2 showing the position of the transaction facility that can be withdrawn from the bank A account with“ ★ ”on the map. In the guidance screen R3 shown in FIG. 10 (B), the balance is insufficient for the scheduled withdrawal amount of “B bank”. You can transfer funds from "Bank C" at the place marked with *. And a map image M3 indicating the position of the transaction facility that can be withdrawn from the bank C with “★” on the map. The user who has viewed the guide screen R2 or R3 can grasp where the account transfer can be made to the bank B within a range close to an arbitrary position.

  By the way, in step S406, the control unit 21 may estimate that the transaction facility of the withdrawal financial institution and the transaction facility of the deposit destination financial institution are used by the user. In this case, in addition to the position of the transaction facility of the withdrawal-source financial institution and the position of the transaction facility of the withdrawal-destination financial institution, the control unit 21 determines the destination of the deposit. Identify the route (movement route) to the transaction facility of a financial institution.

FIG. 11 is a diagram illustrating another example of a guidance screen displayed by the guidance process of Process Example 2. FIG. 11 shows a guidance screen R4 when it is estimated that the transaction facility of the financial institution having the highest number of transactions or frequency is used. In the guidance screen R4 shown in FIG. 11, “Balance of bank“ B ”is insufficient for the scheduled withdrawal amount. Route guidance from "Bank A" to "Bank B". And a map image M4 in which an arrow image RO indicating a route from the position of the bank A transaction facility to the position of the bank B transaction facility is drawn on the map. Here, although the control part 11 has specified the route | route of the transaction facility nearest from the position represented by a "*" mark, it is not restricted to this example. The user who has viewed the guide screen R4 is to withdraw money by withdrawing cash at Bank A's transaction facility and deposit by cash transfer at Bank B's transaction facility within a short distance from any position. You can grasp the route. For example, when the cash withdrawal and transfer fees are cheaper than the transfer fees, it may be desirable for the control unit 11 to perform the guidance process described with reference to FIG.
Although not shown, when it is estimated that the transaction facility of the financial institution having the highest balance is used, the control unit 11 moves from the position of the transaction facility of Bank C to the position of the transaction facility of Bank B on the map. A map image in which an arrow image indicating the route is drawn is displayed.

<Processing example 3>
FIG. 12 is a flowchart illustrating the estimation process of Process Example 3.
First, the control unit 21 determines whether or not a reward such as salary or bonus has been received in an account of a certain financial institution (step S411). When it determines with "NO" in step S411, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

When it determines with "YES" by step S411, the control part 21 estimates that the financial institution with the account with which the payment | payment of payment was carried out will be utilized for payment | withdrawal by a user (step S412). The reason is that it is estimated that there are many opportunities for the user to withdraw cash or transfer it to an account of another financial institution in a relatively short period of time when a reward is received.
In this process example 3, the control unit 21 transmits guide data for performing the guide process described in FIG. 13 to the communication terminal device 10.

FIG. 13 is a diagram illustrating a guidance screen displayed by the guidance process of Process Example 3.
In the guidance screen R5 shown in FIG. 13, “There was a transfer of salary to“ Bank A ”. You can withdraw cash at the ★ mark. And a map image M5 showing the position of the transaction facility that can be withdrawn from the bank A account on the map with “★”. The user who has seen the guidance screen R5 can grasp where the withdrawal can be made from the bank A account within a short distance from an arbitrary position.

<Processing example 4>
FIG. 14 is a flowchart illustrating an estimation process of Process Example 4.
First, the control unit 21 determines whether or not the current date / time is a date / time when the user is highly likely to withdraw from an account of a financial institution (step S421). The date and time when there is a high possibility of withdrawal may be specified by the user, or may be specified on the server side based on empirical rules, for example, on the day before or on the weekend or holiday. Alternatively, the control unit 21 may estimate the date and time when the user is likely to withdraw based on the past withdrawal history indicated by the transaction history information. When it determines with "NO" by step S421, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

If “YES” is determined in step S421, the control unit 21 estimates that the transaction facility of the financial institution within the search range from the position specified by the position information is used for withdrawal by the user. (Step S422). The control unit 21 estimates that a user uses a transaction facility of a financial institution having the highest number or frequency of transactions in the past or a financial institution having the largest current balance.
In this process example 4, the control unit 21 transmits guide data for performing the guide process described in FIG. 15 to the communication terminal device 10.

FIG. 15 is a diagram illustrating a guidance screen displayed by the guidance process of Process Example 4. FIG. 15A is a diagram showing a guidance screen R6 when it is estimated that the transaction facility of the financial institution having the highest number or frequency of transactions is used. FIG. 15B is a diagram showing a guidance screen R7 when it is estimated that the transaction facility of the financial institution having the highest balance is used.
On the guidance screen R6 shown in Fig. 15 (A), you can withdraw cash from "Bank A" at the place marked with "★". ”And a map image M6 indicating the position of the transaction facility that can be withdrawn from the bank A with“ ★ ”on the map. On the guidance screen R7 shown in Fig. 15 (B), you can withdraw cash from "Bank B" at the place marked with "★". ”And a map image M7 indicating the position of the transaction facility that can be withdrawn from the bank C with“ ★ ”on the map. The user who has viewed the guidance screen R6 or R7 can grasp where the cash can be withdrawn from the account within a range close to an arbitrary position.

<Processing example 5>
FIG. 16 is a flowchart illustrating an estimation process of Process Example 5.
First, the control unit 21 determines whether or not the position indicated by the position information acquired in step S3 is in a place where the user is likely to withdraw from the account of the financial institution (step S431). The place where the possibility of withdrawal is high may be specified by the user, for example, or based on the empirical rule, for example, the place corresponding to a landmark such as a station or a shopping center or the vicinity thereof may be specified on the server side. Good. Alternatively, the control unit 21 may estimate a place where the user is likely to withdraw based on the past withdrawal history indicated by the transaction history information. Here, it is assumed that the control unit 21 estimates that there is a high possibility of withdrawal when the user is in the vicinity of the station. When it determines with "NO" by step S431, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

If it is determined as “YES” in step S431, the control unit 21 estimates that the transaction facility of the financial institution within the search range from the position specified by the position information is used for withdrawal by the user. (Step S432). The control unit 21 may estimate that a user uses a transaction facility of a financial institution having the highest number or frequency of transactions in the past or a financial institution having the largest current balance.
In this processing example 5, the control unit 21 transmits guidance data for performing the guidance processing described with reference to FIG.

FIG. 17 is a diagram illustrating a guidance screen displayed by the guidance process of Process Example 5. FIG. 17A is a diagram showing a guidance screen R8 when it is estimated that the transaction facility of the financial institution having the highest number or frequency of transactions is used. FIG. 17B is a diagram showing a guidance screen R9 when it is estimated that the transaction facility of the financial institution having the highest balance is used.
On the guidance screen R8 shown in Fig. 17 (A), you can withdraw cash from "Bank A" at the place marked with "★". And a map image M8 showing the position of the transaction facility that can be withdrawn from the bank A with “★” on the map. On the guidance screen R9 shown in Fig. 17 (B), you can withdraw cash from "Bank B" at the place marked with "★". And a map image M9 indicating the position of the transaction facility that can be withdrawn from the bank C with “★” on the map. The user who has viewed the guidance screen R8 or R9 can grasp where the withdrawal can be made within a range where the distance from an arbitrary position is short.

<Processing example 6>
FIG. 18 is a flowchart illustrating an estimation process of Process Example 6.
First, the control unit 21 determines whether or not the position indicated by the position information acquired in Step S3 is within the user's extraordinary range (Step S441). The extraordinary area is, for example, a user's travel destination or a business trip destination, and is in a place different from the daily area including the base of the user's action such as home. The extraordinary area may be set according to the user's designation, or may be set in a place where the frequency of stay of the user is relatively low based on the positioning process by the positioning unit 14. The information indicating the extraordinary area is an example of information regarding the user's behavior of the present invention. When it determines with "NO" in step S441, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

If “YES” is determined in step S441, the control unit 21 estimates that the transaction facility of the financial institution within the search range from the position specified by the position information is used for withdrawal by the user. (Step S442). The reason is that when the user is in an extraordinary area, it is easier to think that he wants to keep more money than in the everyday area.
In this processing example 6, the control unit 21 transmits guidance data for performing the guidance processing described in FIG. 19 to the communication terminal device 10.

FIG. 19 is a diagram showing a guidance screen R10 displayed by the guidance process of Processing Example 6.
In the guidance screen R10 shown in FIG. 19, “If you need cash, you can withdraw it from“ C bank ”at the place marked with ★. And a map image M10 indicating the position of the transaction facility that can be withdrawn from the bank C with “★” on the map. The user who has viewed the guidance screen R10 can grasp where the withdrawal can be made within a range where the distance from an arbitrary position is short.

<Processing example 7>
FIG. 20 is a flowchart illustrating an estimation process of Process Example 7.
First, the control unit 21 determines whether or not there is a predetermined action schedule of the user within a predetermined period from the current time (step S451). The control unit 21 specifies a user's action schedule based on schedule data handled by a schedule function installed in the communication terminal device 10. The schedule data includes information regarding the user's action schedule including the date and time. When there is a predetermined action schedule such as a trip or a business trip, it is estimated that there are relatively many opportunities for the user to require cash during the action. The period condition is specified by, for example, the server side or the user, but is not limited to these examples. When it determines with "NO" in step S451, the control part 21 complete | finishes an estimation process, without estimating the transaction equipment utilized by a user.

If “YES” is determined in step S451, the control unit 21 estimates that the transaction facility of the financial institution within the search range from the position specified by the position information is used for withdrawal by the user. (Step S452).
In this case, the control unit 21 transmits guidance data for performing the guidance process described in FIG. 21 to the communication terminal device 10.

FIG. 21 is a diagram showing a guidance screen R10 displayed by the guidance process of Process Example 7.
As shown in Fig. 21, on the guidance screen R11, "You have a travel plan from 5/25. You can withdraw cash from" Bank C "at the place marked with *. ”And a map image M11 indicating the position of the transaction facility that can be withdrawn from the bank C with“ ★ ”on the map. The user who has viewed the guidance screen R11 can grasp where the withdrawal can be made within a range where the distance from an arbitrary position is short.
The above is description of the process example of an estimation process and the guidance process performed according to the said estimation process.

  In the guidance system 1 described above, for example, even if the user does not explicitly specify a financial institution, the transaction facility used by the user is estimated, and the transaction facility existing within the search range is guided to the user. Therefore, according to the guidance system 1, it is possible to guide a transaction facility that is estimated to be highly likely to be used by the user to the user at an appropriate timing and content.

[Modification]
The present invention can be implemented in a form different from the above-described embodiment. The present invention can also be implemented in the following forms, for example. Further, the following modifications may be combined as appropriate.
(Modification 1)
The estimation process described in the above-described embodiment and the guidance process performed according to the estimation process are merely examples.
For example, the information regarding the user's action is not limited to the information described in <Processing Example 6> or <Processing Example 7>. The information regarding the user's behavior may be, for example, information on the amount of money (for example, cash) possessed by the user. This money information may be specified based on, for example, a household account book function installed in the communication terminal device 10, or may be specified by inputting the user's amount. In this case, if the user's possession is less than the first threshold, the control unit 21 uses the transaction facility of the financial institution with the highest number of transactions or the highest frequency or the financial institution with the highest balance for withdrawal. May be used. Further, the control unit 21 estimates that a saving financial institution (for example, a financial institution with the largest balance) is used for depositing when the user's money is equal to or greater than the second threshold. Good. Since the guidance process according to these estimation processes can be inferred from the description of the process example of the above-described embodiment, the description is omitted.

(Modification 2)
The control unit 21 of the management server 20 learns the transaction facility used by the user for each date and time, and estimates the transaction facility used by the user at each date and time based on the learning result. Good. For example, when learning the transaction facility used by the user on the weekend, the control unit 21 guides the transaction facility to the user when the transaction facility is included in the search range on the following weekend. In addition, when learning the transaction facility used by the user for each place, the control unit 21 guides the transaction facility to the user when the transaction facility is included in the search range. The unit of this place is good to be decided to predetermined local units, such as a city unit.

(Modification 3)
In the guidance system 1 of the above-described embodiment, only the transaction facility estimated to be used by the user is guided. Instead, in the guidance system 1, it is estimated that both the transaction facility estimated to be used by the user existing in the search range and the other transaction facility are guided and used by the user. About transaction equipment, you may guide by the display mode different from other transaction equipment. In the guidance system 1, for example, for transaction equipment estimated to be used by the user, the content and color of an image such as an icon displayed for guiding the position of the transaction equipment, the presence or absence of blinking of the image, etc. Different from the transaction equipment.

(Modification 4)
The guidance system 1 may guide not only the transaction equipment within the search range but also the transaction equipment outside the search range. In this case, the guidance system 1 first displays the transaction facility existing within the search range, and when the user instructs display of the transaction facility outside the search range, the transaction facility outside the search range is guided.

(Modification 5)
The communication terminal device 10 may realize part or all of the functions of the management server 20 described above. The communication terminal device 10 may realize the functions of the position information acquisition unit 211, the estimation unit 212, and the identification unit 213, for example. In this case, the guidance system 1 does not require a device corresponding to the management server 20, and the communication terminal device 10 realizes the function of the guidance support device of the present invention.

(Modification 6)
Some of the configurations and operations described in the above-described embodiments may be omitted. For example, at least a part of the processing examples 1 to 7 described in the above-described embodiment may not be performed. In addition, the execution order of the processes described in the above-described embodiments may be changed as appropriate.

(Modification 7)
The guidance system 1 may guide transaction facilities of financial institutions other than banks. For example, the guidance system 1 may guide the transaction facility for using the cashing service of a credit sales company to the user. In this case, the guidance system 1 guides the transaction facility used for the repayment to the user at a timing corresponding to the repayment date of the borrowed money.

(Modification 8)
The functions realized by the control units 11 and 21 of the above-described embodiments can be realized by a combination of a plurality of programs, or can be realized by linkage of a plurality of hardware resources. When the functions of the control units 11 and 21 are realized using a program, the program can be a magnetic recording medium (magnetic tape, magnetic disk (HDD (Hard Disk Drive), FD (Flexible Disk), etc.)), an optical recording medium. (Such as an optical disc), a magneto-optical recording medium, a semiconductor memory, or other computer-readable recording medium may be provided and may be distributed via a network. The present invention can also be understood as a guidance support method.

DESCRIPTION OF SYMBOLS 1 ... Guidance system, 10 ... Communication terminal device, 11 ... Control part, 111 ... Acceptance means, 112 ... Position information transmission means, 113 ... Guidance data acquisition means, 114 ... Guide means, 12 ... UI part, 13 ... Communication part, DESCRIPTION OF SYMBOLS 14 ... Positioning part, 15 ... Memory | storage part, 20 ... Management server, 21 ... Control part, 211 ... Position information acquisition means, 212 ... Estimation means, 213 ... Identification means, 214 ... Guidance data transmission means, 22 ... Communication part, 23 ... storage unit, 231 ... transaction information DB, 232 ... guidance DB, 30A ... A bank server, 30B ... B bank server, 30C ... C bank server, 30D ... D card company server

Claims (8)

Position information acquisition means for acquiring position information;
An estimation means for estimating a facility for performing a transaction with a predetermined financial institution used by a user;
A guidance support apparatus comprising: a specifying unit that specifies the estimated position of the facility within a range based on the position specified by the acquired position information. The estimation means includes
The guidance support apparatus according to claim 1, wherein the facility used by the user is estimated based on at least one of information regarding deposit or withdrawal of an account in the financial institution and a balance of the account. . The estimation means includes
The guidance support apparatus according to claim 2, wherein the facility used by the user is estimated based on information related to the deposit or withdrawal schedule. The estimation means includes
The guidance support apparatus according to claim 2 or 3, wherein the facility used by the user is estimated based on information regarding the history of the deposit or withdrawal. The specifying means is:
In the case where a financial institution serving as a withdrawal source and a financial institution serving as a payment destination are estimated by the estimating means, the position of the facility of the financial institution serving as the destination of payment from the position of the facility of the financial institution serving as the withdrawal source. The guidance support device according to any one of claims 2 to 4, wherein a route to the location is specified. The estimation means includes
The guidance support device according to any one of claims 1 to 5, wherein the facility used by the user is estimated based on information on the user's behavior. The estimation means includes
The guidance support device according to any one of claims 1 to 6, wherein the facility used by the user is estimated based on information on date and time or location. On the computer,
Obtaining location information;
Estimating a facility for conducting a transaction with a predetermined financial institution used by a user;
A step of identifying the estimated position of the facility within a range based on the position identified by the acquired position information.

Images