JP2019087212A - Information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

To enable a user to obtain an opportunity where the user can receive a service in a service mode suitable for the user.SOLUTION: An information processing apparatus according to the present application comprises an acquisition unit and a generation unit. The acquisition unit acquires transaction information on a transaction using a predetermined service. Assuming that a user's past transaction specified in the transaction information is substituted with a transaction with a predetermined condition different from that for the past transaction, the generation unit generates transaction accompanying information indicating a result or a burden assumed to be generated accompanying the transaction.SELECTED DRAWING: Figure 7

Description

  The present invention relates to an information processing apparatus, an information processing method, and an information processing program.

  In recent years, many competing services exist. For example, in recent years many financial institutions (eg, credit card companies) have provided payment services. These services have different service modes (for example, service content, usage fee, benefits, etc.) for each service.

JP 2003-233722 A Patent No. 5139000

  While some users actively collect information about services, others are less active in collecting information. Users who are not aggressive in collecting information miss the opportunity to receive services in a service form suitable for them.

  The present application has been made in view of the above, and it is an object of the present invention to allow a user to have an opportunity to receive a service form suitable for him / her.

  The information processing apparatus according to the present application substitutes for an acquisition unit that acquires transaction information related to a transaction using a predetermined service, and a transaction under a predetermined condition in which the past transaction of the user specified by the transaction information is different from the past transaction. And a generation unit configured to generate transaction-related information indicating an outcome or a burden assumed to be generated as a result of the transaction if it is assumed.

  According to one aspect of the embodiment, it is possible to allow a user to have an opportunity to receive a service of a service form suitable for him / her.

FIG. 1 is a diagram illustrating an operation of the information processing system according to the embodiment. FIG. 2 is a diagram showing an example of credit statement information which is a type of transaction information. FIG. 3 is a diagram showing an example of deposit information which is a type of transaction information. FIG. 4 is a diagram illustrating an example of application output data transmitted to the terminal device. FIG. 5 is a diagram illustrating another example of application output data transmitted to the terminal device. FIG. 6 is a diagram illustrating an exemplary configuration of a terminal device according to the embodiment. FIG. 7 is a diagram illustrating an exemplary configuration of the information processing server according to the embodiment. FIG. 8 is a diagram showing an example of information stored in the user information database. FIG. 9 is a diagram showing an example of information stored in the financial institution information database. FIG. 10 is a diagram illustrating an exemplary configuration of a service providing server according to the embodiment. FIG. 11 is a flowchart illustrating an example of the data transmission process. FIG. 12 is a hardware configuration diagram showing an example of a computer that realizes functions of a terminal device, an information processing server, and a service providing server.

  Hereinafter, an information processing apparatus, an information processing method, and a mode for implementing an information processing program according to the present application (hereinafter, referred to as “embodiment”) will be described in detail with reference to the drawings. Note that the information processing apparatus, the information processing method, and the information processing program according to the present application are not limited by the following embodiments. Moreover, the same code | symbol is attached | subjected to the site | part same in each following embodiment, and the overlapping description is abbreviate | omitted.

[1. Operation of Information Processing Device]
First, the operation of the information processing apparatus will be described using the information processing system 1 including the information processing server 20 which is an example of the information processing apparatus of the present embodiment as an example.

FIG. 1 is a diagram showing an operation of the information processing system 1 according to the embodiment. The information processing system 1 includes a terminal device 10, the information processing server 20, the service providing server _{30 1,} 30 2, 30 _3. Although three service providing servers are shown in the example of FIG. 1, the number of service providing servers may be less than three or more than three. In the following description, it is possible to collectively service providing server _{30 1,} 30 2, 30 ₃ etc. to as service providing server 30.

  The terminal device 10 is, for example, a user terminal such as a smart device (smart phone or tablet), a mobile phone, or a personal computer. Although the terminal device 10 is a smart device in the example of FIG. 1, the terminal device 10 is not limited to the smart device. The terminal device 10 communicates with the information processing server 20 and the service providing server 30 via a network. In the following description, the terminal device 10 is assumed to be a terminal device operated by the user U1, but the terminal device 10 is not limited to a terminal device operated by the user U1.

  Various application software (hereinafter, also referred to as an application) is installed in the terminal device 10. For example, in the terminal device 10, an application for outputting transaction information (for example, payment information by a credit card or an account) of the user U1 is installed. As an example, in the terminal device 10, a transaction statement output application (for example, a household account book application) that outputs a transaction statement generated based on transaction information acquired from the information processing server 20 is installed. The terminal device 10 acquires data (hereinafter referred to as application output data) for generating a screen output by the application from the information processing server 20. Application output data can also be regarded as content.

  In addition, a browser is installed in the terminal device 10. The terminal device 10 acquires, from the information processing server 20, data for generating a screen output by the browser. Here, a page is an arrangement surface of content. Specifically, a page is information on a page basis in which content such as an image (for example, a still image or a moving image), text information (for example, a news article) or the like is arranged. For example, the page is a web page. The page is not limited to the web page. For example, the page may be a page (for example, a screen of an application) created for the purpose of being displayed on the user interface screen. In this case, the page may not necessarily be delivered via the network. The page may be a screen (arranged surface) pre-installed on the terminal device 10. The description of "page" shown in the following description can be replaced with "arrangement surface". Note that the "page" can be regarded as the content itself. Therefore, the description of "page" shown in the following description can be replaced with "content".

  The information processing server 20 is a server host computer that provides various services to client terminals. The information processing server 20 distributes various data to the terminal device 10. For example, the information processing server 20 transmits data for generating a screen that the application installed in the terminal device 10 outputs to the user U1. The client terminal with which the information processing server 20 provides a service is not limited to the terminal device 10 operated by the user U1. The client terminal provided by the information processing server 20 may be a terminal device 10 operated by another user. The information processing server 20 functions as an information processing apparatus of the present embodiment.

  Further, the information processing server 20 may be configured to distribute page information to the terminal device 10. For example, the information processing server 20 distributes to the terminal device 10 page information for displaying transaction details of each user. The information processing server 20 includes a portal site, a game information distribution site, a news site, an auction site, a weather forecast site, a shopping site, a finance (stock price) site, a route search site, a map providing site, a travel site, a restaurant introduction site, a web The information processing apparatus may be configured to distribute to the terminal device 10 a page in which information related to a blog or the like is arranged in a tiled manner.

  In addition, the information processing server 20 may be configured to distribute control information to the terminal device 10. Control information is information for the information processing server 20 to control the operation (display) of the terminal device 10. The control information may be a program separately transmitted from the page information or may be a program transmitted together with the page. For example, the control information may be a program embedded in a page and transmitted. As an example, the control information is a program described in a script language such as JavaScript (registered trademark). Of course, the control information is not limited to the program described in the script language. The control information may be a program written in machine language or an intermediate language. Also, the control information may be information for causing a page displayed on the terminal device 10 to jump to a predetermined page. For example, the control information may be information for redirecting the page.

The service providing server 30 is a server host computer that provides various services to client terminals. For example, the service providing server 30 is a server that provides the user U1 with a financial transaction service (for example, a credit statement confirmation service, an online banking service, an online trade service, etc.) provided by a financial institution. The financial institution is, for example, a credit card company, a bank, an investment trust management company, a securities company, or a foreign exchange (FX) company. Of course, the financial institution is not limited to these, and may be, for example, an insurance company. In the example of FIG. 1, the service providing server 30 ₁ is a server that handles the service provided by the "A card", which is a credit card company, the service providing server 30 ₂ to handle the services that are being provided by the "Bank B" server , and the service providing server _{30. 3} is a server that handles the service provided by the "C card", which is the credit card company.

  The service providing server 30 holds transaction information of each of a plurality of users including the user U1. The service providing server 30 distributes a dedicated page for distributing information (for example, transaction information indicating a past transaction of the user U1) to each user. The service providing server 30 has an authentication function for logging in to the dedicated page. The user U1 can log in to the dedicated page by transmitting authentication information (for example, a user ID and a password) to the service providing server 30 via the terminal device 10.

  Each user can register the authentication information of the financial institution on the information processing server 20. For example, the user U1 can register authentication information in the information processing server 20 using an application installed in the terminal device 10. When the user U1 registers authentication information in the information processing server 20, the information processing server 20 can acquire the transaction information of the user U1 from the corresponding financial institution using the authentication information.

In the following description, it is assumed that authentication information (for example, the user ID and password of the user U1 are registered in the information processing server 20 for acquiring transaction information from the service providing server 30. In the example of FIG. 1). , the information processing server 20, the transaction information of the user U1 from the service providing server 30 ₁ a card (e.g., credit account information) the user ID to obtain the (ID1 shown in FIG. 1) and a password (PW1), B transaction information of the user U1 from the service providing server 30 ₂ banks (e.g., deposit information) the user a user ID for obtaining the (ID2 shown in FIG. 1) and a password (PW2), from the service providing server 30 ₃ C card User ID (ID 3 shown in FIG. 1) and password for acquiring U1 transaction information (for example, credit specification information) And (PW3), it holds.

  Hereinafter, the operation of the information processing system 1 will be described with reference to FIG. In the following description, it is assumed that the user U1 accesses the information processing server 20 via a household account application, which is an example of a transaction statement output application.

  When the user U1 starts the household account application installed in the terminal device 10, the terminal device 10 requests the information processing server 20 to transmit application output data (step S1). The application output data that the terminal device 10 requests for distribution is, for example, transaction information for displaying on a household account application.

  Here, the transaction information is information on a transaction using a predetermined service. For example, the transaction information is information on a transaction using a service provided by a financial institution (for example, payment service). The transaction information may be composed of information of one transaction, or may be composed of information of a plurality of transactions. Here, the transaction means, for example, that the user exchanges the goods and matters (for example, service) with the other party of the intention indication based on the intention indication of the user such as application and acceptance. For example, a transaction refers to the purchase or sale of goods or services. Note that the concept of transaction includes not only events that cause the user's capital to fluctuate, but also events that do not cause the user's capital to change. For example, offering goods or services free of charge is a type of transaction.

  The services provided by financial institutions may include services provided by banks. For example, a service provided by a financial institution may be a service related to payment such as transfer, account transfer, and payment by payment (account settlement service). Of course, the service provided by the financial institution may simply be an account deposit service or withdrawal service. The concept of deposit service includes the service of depositing interest to be paid to the user accompanying a deposit transaction (for example, deposit of money in an account) using deposit service. In addition, the concept of withdrawal service includes the service of withdrawal from an account of interest paid by the user accompanying a loan transaction (for example, a mortgage loan contract). In addition, the concept of withdrawal service includes payment service of various charges. For example, the withdrawal service includes utility payment services such as electricity charges, water charges, and gas charges. The service provided by the bank may be a service provided online (ie, an online banking service).

  Also, the service provided by the financial institution may be a service provided by a credit card company. For example, the service provided by the financial institution may be a service related to credit settlement such as commodity price (credit settlement service).

  The settlement service is not limited to the account settlement service or the credit settlement service. For example, the payment service may be a prepaid payment service such as a prepaid payment service, or may be a debit payment service such as a debit payment service. In addition, the payment service may be a post-paid payment service represented by a credit payment service. In the following description, information on the transaction of the user using the settlement service is referred to as settlement information. Settlement information is a type of transaction information.

  Further, the service provided by the financial institution may be a financial transaction service provided by a financial trading company such as an investment trust management company, a securities company, or an FX company. For example, a service provided by a financial institution may be a financial transaction service such as stock trading, FX trading service, and the like. At this time, the financial transaction service may be a service provided online (ie, an online trade service). Further, the service provided by the financial institution may be an asset management service provided by an investment trust management company, a securities company, or the like. Asset management service is a type of financial transaction service.

  In addition, the service provided by the financial institution may be an insurance service provided by an insurance company. The predetermined service is not limited to the service provided by the financial institution, and may be, for example, an online shopping service provided by an operator who operates a shopping site or an EC (Electric Commerce) site. In addition, the predetermined service may be a service provided by a predetermined service provider using a network.

  FIG. 2 is a diagram showing an example of credit statement information which is a type of transaction information. In the example of FIG. 2, the information that "the transaction for which payment of 50,000 yen is made to Y shopping was made on September 28, 2017" was used as the credit statement information, "4891 to X Mobile on October 1, 2017." Information that "the transaction that payment of yen was made was done", "the transaction that payment of 2054 yen was made to W shopping on October 3, 2017", and "October 5, 2017 The transaction details including “V.Shopping has been transacted to be paid ¥ 6532” are shown. Note that the entire transaction statement shown in FIG. 2 may be regarded as transaction information (credit statement information), or individual items of the transaction statement (e.g. It may be regarded as transaction information (credit specification information) that “the transaction to be done has been made”. The credit statement information shown in FIG. 2 indicates that the total of the payments for the current month (the “time-specified payment subtotal” shown in FIG. 2) is ¥ 63,477. This sum can also be regarded as transaction information (credit statement information). Also, payment information using credit can be regarded as a type of payment information.

  FIG. 3 is a diagram showing an example of deposit information which is a type of transaction information. In the example of FIG. 3, information that "Payment of 5400 yen as gas charges was made on September 28" as deposit information, and information that "6000 yen was received as interest on time deposits on September 30", The transaction details including information that “100,000 yen was paid out as mortgage repayment on September 30” are shown. Note that the entire transaction statement shown in FIG. 3 may be regarded as transaction information (deposit information), or individual items of the transaction statement (for example, information that “5400 yen was paid as a gas bill on September 28”) ) May be regarded as transaction information (deposit information). Deposit information can be rephrased as account information. Also, information on payment using an account can be regarded as a type of payment information.

If the transmission request of application output data is received from the terminal device 10, the information processing server 20 acquires the transaction information regarding the user U1. For example, the information processing server 20 acquires payment information using the payment service. As described above, the service providing server 30 of each financial institution holds the transaction information of the user U1. Further, the information processing server 20 holds authentication information of the user U1 for accessing the service providing server 30 of each financial institution. The information processing server 20 acquires transaction information related to the user U1 from the service providing server 30 of each financial institution, using the held authentication information. For example, the information processing server 20 acquires the credit account information shown in FIG. 2 from the service providing server 30 ₁ which is one A card of a financial institution (first financial institution) as transaction information (step S2a). Further, the information processing server 20 acquires the deposit information shown in FIG. 3 from the service providing server 30 ₂ of Bank B, which is one of a financial institution (first financial institution) as transaction information (step S2b). Acquire transaction information including information on multiple transactions. In the example of FIG. 1, the information processing server 20 is attempted from C card service providing server 30 _3, which is one of the financial institutions trying to get the transaction information of the user U1 (step S2c). However, there is no transaction history using a credit card issued by the C card in the user U1, the information processing server 20 is not able to get the transaction information from the service providing server 30 _3.

  Subsequently, the information processing server 20 generates transaction-associated information based on the transaction information (step S3). Transaction incidental information is an outcome that is assumed to be associated with a transaction when it is assumed that the user's past transaction has been substituted for another transaction (for example, a transaction under a predetermined condition different from the past transaction) Or it is the information which shows a burden. As an example, it is assumed that the transaction-related information is incidental to a transaction when it is assumed that the user's past transaction specified in the transaction information is replaced with a transaction using another service different from the predetermined service. Information that indicates the result or burden to be Achievements can be reworded as rights, bonds, earnings, fruits, etc. In addition, the burden can be restated as obligations, debts, losses, etc. Risk is another kind of burden. In the following description, a past transaction actually done by a user using a predetermined service is referred to as an “actual transaction”, a hypothetical transaction different from the actual transaction (for example, other than the predetermined service) The hypothetical transaction (using a service) is sometimes referred to as “the hypothetical transaction”.

  In the following description, when the user's actual transaction is replaced with a hypothetical transaction, information indicating an expected outcome obtained by the user accompanying the transaction is referred to as outcome information. The result information may be, for example, privilege information indicating a privilege that is assumed to be obtained by the user accompanying the transaction, or an operation assumed to be obtained by the user accompanying the operation transaction using the asset management service. It may be operation result information indicating a result. Here, the privilege information may be information of corporate currency (for example, points) assumed to be given by the financial institution by the user accompanying the settlement transaction using the settlement service, or the deposit service is used. It may be information on interest assumed to be paid by the financial institution by the user accompanying the deposit transaction. In addition, the result information may be information such as a right, a claim, a profit, a fruit, etc. acquired by the user accompanying the transaction.

  Further, in the following description, when the user's actual transaction is replaced with a hypothetical transaction, information indicating the assumed burden imposed on the user accompanying the transaction is referred to as burden information. The burden information is, for example, commission information indicating a commission assumed to be imposed by the user accompanying the transaction. For example, the burden information is a transaction fee (for example, a transfer fee) assumed to be imposed by the user accompanying the settlement using the settlement service.

  In the example of FIG. 1, it is assumed that the information processing server 20 acquires the credit specification information shown in FIG. 2 and the deposit information shown in FIG. 3 as payment information of the user U1 from the A card and B bank. At this time, in the information processing server 20, the settlement service of the C card (second financial institution) in which the past settlement of the user U1 specified by the settlement information such as the credit statement information and the deposit information is different from A card and B bank. When it is assumed that it is performed using the above, it acquires privilege information indicating the outcome (for example, corporate currency such as points) assumed to be obtained by the user accompanying the settlement as the transaction incidental information (result information). Alternatively, it is assumed that the information processing server 20 performs the past settlement of the user U1 identified by the settlement information using the settlement service of the C card (second financial institution) different from the A card and the B bank. In addition, the fee information indicating the estimated fee charged by the user accompanying the settlement is acquired as transaction additional information (burden information).

  Various methods can be used to acquire transaction-related information. For example, the information processing server 20 holds in advance financial institution information in which information on services of each financial institution is recorded. The financial institution information may include information on the results obtained by the user from the financial institution when the user uses the service of the financial institution. For example, the financial institution information may include information on benefits obtained by the user from the financial institution when the user uses the settlement service of the financial institution. If the settlement service is a credit settlement service, the financial institution information may include information on points per settlement amount. Then, the information processing server 20 generates transaction-related information based on the information of the points included in the financial institution information. For example, it is assumed that, in the case of payment of 10000 yen or more, information that 10 points can be obtained per payment of 100 yen is recorded in the financial institution information of the C card. Further, it is assumed that the user U1 has made a transaction (payment) of 50,000 yen in the past (September 28) using the A card. At this time, the information processing server 20 trades information of points assumed to be obtained by the user U1 assuming that the past transaction (the settlement on September 28) of the user U1 is performed using the C card. Generate as incidental information. In this example, the information processing server 20 acquires information that the user U1 has obtained 5000 points as transaction additional information if the settlement of 50000 yen on September 28 of the user U1 is performed using the C card. Do.

  In addition, the financial institution information may include information on the burden imposed on the user by the financial institution when the user uses the service of the financial institution. For example, the financial institution information may include information on fees charged to the user by the financial institution when the user uses the settlement service of the financial institution. Then, the information processing server 20 generates transaction additional information based on the information on the fee included in the financial institution information. For example, it is assumed that information has been recorded that the transfer fee of bank E is 100 yen in the case of transfer of 100,000 yen or less. In addition, it is assumed that the user U1 has made a transaction (transfer) of 50,000 yen in the past using bank B. At this time, the information processing server 20 generates, as transaction associated information, information on a fee assumed to be imposed by the user U1 when assuming that the past transfer of the user U1 is performed using the bank E. In this example, when the transfer of 50000 yen of the user U1 is performed using the bank E, the information processing server 20 acquires the information that the user U1 is charged the fee of 100 yen as the transaction associated information.

  Subsequently, the information processing server 20 generates a transaction statement serving as application output data based on the transaction information acquired from the service providing server 30 of each financial institution (step S4). FIG. 4 is a view showing an example of application output data transmitted to the terminal device 10. As shown in FIG. Specifically, it is a diagram showing household account data displayed in the household account application of the terminal device 10. For example, it is assumed that the information processing server 20 acquires the credit specification information shown in FIG. 2 and the deposit information shown in FIG. 3 as the transaction information. At this time, if the terminal device 10 requests household account data for September as the application output data, the service providing server 30 acquires information on the transaction of 2017/9/28 from the credit statement information shown in FIG. 2. At the same time, information of three transactions of 9/28 to 9/30 is acquired from the deposit information shown in FIG. Then, the information processing server 20 generates transaction details by putting together the information of these four transactions in order of date. If it is an example of FIG. 4, the part shown by L of code | symbol is a transaction description which the information processing server 20 produces | generates (henceforth, the transaction description part L). The information processing server 20 may add an item (the item in the fourth column of FIG. 4) indicating which financial institution the corresponding transaction has been made to using the transaction statement unit L.

  Further, if there are a plurality of transactions recorded in the transaction details, the information processing server 20 may calculate the sum of the amounts of the plurality of transactions, and add the calculated sum to the transaction details. For example, even if the information processing server 20 calculates the sum of a plurality of expenditures included in the transaction specification unit L of FIG. 4 and adds the calculated total (the item in the sixth line of FIG. 4) to the transaction specification unit L Good.

  Subsequently, the information processing server 20 adds the transaction incidental information generated in step S3 to the item of each transaction of the transaction statement generated in step S4 (step S5). For example, the information processing server 20 adds transaction-related information to each item of the transaction statement part L of the household account data shown in FIG. In the example of FIG. 4, the transaction-accompanying information unit M to which the item name of the discount information is attached is added to the transaction description unit L. For example, if the information processing server 20 was to use the C card for the payment of 50,000 yen using the A card on September 28 of the user U1, the user U1 could obtain 5000 points. Is added to the item of M1 shown in FIG. In addition, if the settlement of 5400 yen using the A card on September 28 of the user U1 is performed using the C card, the information processing server 20 can obtain 54 points for the user U1. Is added to the item of M2 shown in FIG. In addition, if the information processing server 20 was to make a mortgage loan repayment of 100,000 yen using bank B on September 30 of user U1 using bank E, user U1 could obtain 1000 points The description which shows that is added to the item of M4 shown in FIG.

  Also, assuming that the information processing server 20 indicates that a transaction (for example, a past deposit transaction) indicating payment to the account of the user U1 specified by the transaction information is substituted for the operation transaction using the asset management service, Operation result information indicating an operation result assumed to be obtained by the user U1 may be added to the corresponding item of the transaction statement. For example, it is assumed that the information processing server 20 obtains the user U1 when the deposit to the B bank that has generated the interest interest on the term deposit of 6000 yen on September 30 is replaced with the operation using the investment trust service of D investment trust The description which shows the operation result (ie, profit) assumed is added to the item of M3 shown in FIG. For example, it is assumed that the user U1 has deposited 1 million yen to the bank B as a term deposit from 2012. If the user U1 uses the investment trust service of D investment trust from 2012 with capital of 1 million yen, the profit assumed to be obtained by the user U1 is calculated. For example, the information processing server 20 may hold information on past operation results announced by D investment trust as financial institution information, and calculate the amount of profit based on the information on the operation results. Assuming that the calculated amount of profit is 38,000 yen, the information processing server 20 adds the information “in the case of D investment trust to 38,000 yen” to the item of M3 illustrated in FIG. 4.

  Note that the information processing server 20 may generate information indicating the result or burden generated on the user U1 in the actual transaction of the user U1 based on the transaction information, and add the information to the transaction statement. For example, it is assumed that the user U1 has deposited 1 million yen as a term deposit with Bank B from 2012, and has obtained 30,000 yen as interest during that time. In this case, the information processing server 20 adds the information of “interest total from 2012: 30,000 yen” to the item of M3 illustrated in FIG. 4. This facilitates the user to compare actual transactions with hypothetical transactions.

  In addition, the information processing server 20 may generate sum information and add it to the item of the total of the transaction details (for example, the item of M5 illustrated in FIG. 4). Summarized information is assumed to occur along with a transaction when it is assumed that each of a plurality of past transactions of the user specified in the transaction information is performed using a service different from the service actually used by the user. Information indicating the sum of multiple outcomes or multiple burdens. In the example of FIG. 4, the sum of points shown in M1, M2 and M4 (“+6054 pt” shown in M5 of FIG. 4) is the summation information. Note that the summation information is not limited to the sum of points. The combination information may be the sum of the amount of money (for example, "+500 yen" shown in M5 of FIG. 4). In addition, the information processing server 20 determines the amount of the balance of the asset of the user U1 assumed when the transaction actually performed by the user U1 is replaced with another transaction (for example, “balance 167, shown in M5 of FIG. "954 yen" may be added to the total item. This makes it easy for the user to compare balances.

  The application output data generated by the information processing server 20 is not limited to the household account data shown in FIG. The application output data may be, for example, data as shown in FIG. FIG. 5 is a view showing another example of application output data transmitted to the terminal device 10. As shown in FIG. Specifically, FIG. 5 is a diagram showing a credit statement generated based on the credit statement information of FIG. If the transaction information acquired from the service providing server 30 is in the form of a transaction statement, the application output data generated by the information processing server 20 is, for example, the transaction information itself acquired from the service providing server 30 (for example, FIG. It may be the credit transaction statement itself of A card shown). At this time, the information processing server 20 may add transaction incidental information to the transaction statement. For example, as indicated by M6 in FIG. 5, the information processing server 20 adds, to the transaction statement, sum information of points assumed to be obtained when it is assumed that the user U1 uses the credit card payment service of C card. May be

  Further, in the example of FIG. 4, the information processing server 20 adds transaction additional information to all of the plurality of transactions shown in the transaction details. However, the information processing server 20 may add transaction additional information only to a part of the plurality of transactions. For example, the information processing server 20 generates transaction additional information of a transaction that satisfies a predetermined standard among the plurality of transactions of the user U1 in the past. As an example, the information processing server 20 generates transaction-related information of transactions of a predetermined amount or more among the plurality of transactions of the user U1 in the past. Then, the information processing server 20 adds the transaction incidental information to the item of the transaction (for example, a transaction having a predetermined amount or more) for which the transaction incidental information is generated among the plurality of transactions recorded in the transaction statement. As only transaction with a large amount of money is indicated as the transaction-related information, the user can easily grasp the effect of changing the actual transaction into the assumed transaction.

  When the addition of the transaction incidental information to the transaction statement is completed, the information processing server 20 transmits the transaction statement attached with the transaction incidental information to the terminal device 10 as application output data (step S6).

  Subsequently, the information processing server 20 specifies predetermined user attribute information on the user U1 based on information on a plurality of transactions included in the transaction information (step S7). For example, the information processing server 20 specifies information related to the family configuration of the user based on the information on the plurality of transactions included in the transaction information. At this time, the information processing server 20 may specify that the user U1 has a spouse or a child when there is a history of withdrawals from a plurality of credit card companies in the transaction history of the same bank account. In addition, the information processing server 20 specifies a change in the user's residence based on information on a plurality of rent payments included in the transaction information. At this time, the information processing server 20 may specify that there is a change in the residence of the user U1 when the amount of rent payment changes by a predetermined amount or more.

  The user attribute information is, for example, demographic information or psychographic information related to the user. For example, user attribute information includes the user's age, occupation, income, property, address, office address, number of languages used, family structure, friend relationship, life cycle, values, lifestyle, personality, preference , And information of these changes. Of course, user attribute information is not limited to the above.

  Then, the information processing server 20 generates presentation information to be presented to the user U1 based on the predetermined user attribute information identified in step S7 (step S8). For example, it is assumed that the information processing server 20 specifies information on the family configuration of the user U1 as predetermined user attribute information. At this time, the information processing server 20 generates, as presentation information, recommendation information for recommending introduction of a family card to the user U1 when the specified family configuration satisfies a predetermined standard. The predetermined criteria may be whether the user U1 is single or not single (whether there is a spouse or a child). Further, it is assumed that the information processing server 20 specifies a change in the user's residence as predetermined user attribute information. At this time, the information processing server 20 generates living information that is required along with the change in the residence when the change in the residence of the user is performed within a predetermined period (for example, within one month from the present). The living information is, for example, procedures such as resident's card movement required after moving, and applications for electricity, water, gas, and the like. The living information may include the information of the local government of the moving destination if the area of the moving destination can be known from the credit statement and the like.

  When the generation of the presentation information is completed, the information processing server 20 transmits the generated presentation information to the terminal device 10 (step S9). The information processing server 20 may transmit the presentation information to the terminal device 10 together with the transaction details to which the transaction-related information is added. When the terminal device 10 receives the presentation information and the transaction details, the terminal device 10 displays the received presentation information and the transaction details on the screen.

  According to the present embodiment, when it is assumed that the information processing server 20 has replaced the past transaction of the user U1 with another transaction different from the actual transaction, the information processing server 20 is assumed to be an outcome or expected to accompany the transaction or It generates transaction-related information that indicates the burden. Therefore, the user U1 can easily know the service aspect of the service different from the service currently being used, without actively collecting information, by looking at the transaction-related information. In particular, the generated transaction incidental information is transaction incidental information in the case where the past transaction actually made by the user U1 is replaced with another transaction, and therefore the user U1 actually receives information among many service modes. There is a high possibility that it is the pinpoint information that you want to know. As a result, since the user U1 can easily compare the services, the user U1 can easily obtain an opportunity to receive a service mode suitable for him / her.

[2. Configuration Example of Information Processing System]
The operation of the information processing system according to the present embodiment has been described above by taking the information processing system 1 including the information processing server 20 which is an example of the information processing apparatus according to the present embodiment as an example. The structure of As described above, the information processing system 1 includes the terminal device 10, the information processing server 20, and the service providing server 30. The terminal device 10, the information processing server 20, and the service providing server 30 are connected via a network. The network is a communication network such as a Local Area Network (LAN), a Wide Area Network (WAN), a telephone network (such as a mobile telephone network or a fixed telephone network), a regional IP (Internet Protocol) network, or the Internet. The network may include a wired network or may include a wireless network.

[3. Configuration Example of Terminal Device]
FIG. 6 is a diagram showing an exemplary configuration of the terminal device 10 according to the embodiment. The terminal device 10 is an information display device (information processing device) used by a user to browse a page. The terminal device 10 is, for example, a communication terminal such as a smartphone, a tablet, or a mobile phone. As long as it has a communication function, the terminal device 10 may be an information processing terminal such as a personal computer (notebook PC, desktop PC), PDA (Personal Digital Assistant) or the like. In this case, the information processing terminal is also a type of communication terminal. The terminal device 10 connects to the information processing server 20 via a network. As illustrated in FIG. 6, the terminal device 10 includes a communication unit 11, an input unit 12, a storage unit 13, an output unit 14, and a control unit 15. The configuration shown in FIG. 6 is a functional configuration, and the hardware configuration may be different from this.

  The communication unit 11 is a communication interface that communicates with an external device. The communication unit 11 may be a network interface or a device connection interface. For example, the communication unit 11 may be a LAN interface such as a NIC (Network Interface Card), or may be a USB interface configured by a USB (Universal Serial Bus) host controller, a USB port, or the like. The communication unit 11 may be a wired interface or a wireless interface. The communication unit 11 functions as a communication unit of the terminal device 10. The communication unit 11 communicates with the information processing server 20 according to the control of the control unit 15.

  The input unit 12 is an input device that receives various inputs from the outside. For example, the input unit 12 is an operation device such as a keyboard, a mouse, or an operation key for the user to perform various operations. The input unit 12 functions as an input unit of the terminal device 10. When a touch panel is adopted for the terminal device 10, the touch panel is also included in the input unit 12. In this case, the user performs various operations by touching the screen with a finger or a stylus.

  The storage unit 13 is a storage device capable of reading and writing data, such as a dynamic random access memory (DRAM), a static random access memory (SRAM), a flash memory, and a hard disk. The storage unit 13 functions as a storage unit of the terminal device 10. The storage unit 13 stores data of application software such as a web browser. The user communicates with the information processing server 20 via application software.

  The output unit 14 is a device that performs various outputs such as sound, light, vibration, and an image to the outside. The output unit 14 functions as an output unit of the terminal device 10. The output unit 14 includes a display device that displays various information. The display device is, for example, a liquid crystal display or an organic EL display. When a touch panel is adopted for the terminal device 10, the display device may be integrated with the input unit 12. The output unit 14 displays an image on the screen according to the control of the control unit 15.

  The control unit 15 is a controller, and for example, various programs stored in a storage device inside the terminal device 10 are processed by a processor such as a central processing unit (CPU) or a micro processing unit (MPU). It is realized by being implemented as a work area. The control unit 15 is a controller, and may be realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[4. Configuration Example of Information Processing Server]
Next, the configuration of the information processing server 20 will be described in detail. The information processing server 20 is a server host computer (hereinafter simply referred to as a “server”) that processes requests from client computers such as the terminal device 10. The information processing server 20 functions as an information processing apparatus of the information processing system 1. The information processing server 20 may be a PC server, a midrange server, or a mainframe server. In addition, the information processing server 20 may be configured by one server, or may be configured by a plurality of servers that cooperate to execute processing. When the information processing server 20 is configured by a plurality of servers, the installation locations of these servers may be remote. These servers can be regarded as one information processing server (information processing apparatus) if the processing is performed in cooperation with each other even if the installation place is far.

  FIG. 7 is a diagram showing an exemplary configuration of the information processing server 20 according to the embodiment. The information processing server 20 includes a communication unit 21, a storage unit 22, and a control unit 23. The configuration shown in FIG. 7 is a functional configuration, and the hardware configuration may be different therefrom.

  The communication unit 21 is a communication interface that communicates with an external device. The communication unit 21 may be a network interface or a device connection interface. For example, the communication unit 21 may be a LAN interface such as a NIC, or may be a USB interface configured by a USB host controller, a USB port, or the like. The communication unit 21 may be a wired interface or a wireless interface. The communication unit 21 functions as a communication unit of the information processing server 20. The communication unit 21 communicates with the terminal device 10 and the service providing server 30 according to the control of the control unit 23.

  The storage unit 22 is a storage device capable of reading and writing data such as a DRAM, an SRAM, a flash memory, and a hard disk. The storage unit 22 functions as a storage unit of the information processing server 20. The storage unit 22 stores a user information database 221 and a financial institution information database 222.

  The user information database 221 is a database that stores user information. FIG. 8 is a diagram showing an example of information stored in the user information database 221. As shown in FIG. In the example shown in FIG. 8, the user information database 221 has items such as a user ID, a registered financial institution, authentication information, and transaction information.

  “User ID” indicates identification information of a user who operates the terminal device 10. The identification information may be the same ID at a plurality of sites operated by the same operator (including an organization such as a company). In the example of FIG. 8, information such as “U1”, “U2”, and “U3” is stored in the “user ID”.

  The “registered financial institution” is a financial institution in which the user indicated by the “user ID” has registered authentication information. For example, the registered financial institution is a financial institution designated as a collection target of transaction information when the user uses the household account application. In the example of FIG. 8, the “registered financial institution” stores information such as “A card”, “B bank”, “C card”, “D investment trust”, and “E bank”. The example of FIG. 8 indicates that the user indicated by the user ID “U1” has registered authentication information of A card, B bank, C card, D investment trust, and E bank.

  “Authentication information” is information for the user to log in to the dedicated page provided by the service providing server 30. Alternatively, the “authentication information” is information for authentication which is necessary for the information processing server 20 to acquire the transaction information of the user from the service providing server 30. The authentication information is, for example, a user ID and a password. The user ID and password may be encrypted or hashed. Of course, the authentication information for the user to log in to the dedicated page and the authentication information for the information processing server 20 to access the service providing server 30 may be different. In the example shown in FIG. 8, conceptual information such as “P11” to “P33” is stored in “authentication information”, but data itself for authentication such as text data, binary data, etc. is stored. It may be The “authentication information” may store a URL where the authentication information is located, a file path name indicating a storage location of the authentication information, or the like.

  "Trading information" is information on a past transaction of a user using a predetermined service. In the example shown in FIG. 8, conceptual information such as “T11” to “T33” is stored in “Trading information”, but data itself indicating the user's past transactions such as text data, binary data, etc. May be stored. The “transaction information” may store a URL at which the transaction information is located, or a file path name indicating a storage location of the transaction information.

  The financial institution information database 222 is a database that stores information on financial institutions. FIG. 9 is a diagram showing an example of information stored in the financial institution information database 222. As shown in FIG. In the example shown in FIG. 9, the financial institution information database 222 has items such as “financial institution”, “fee information”, and “privilege information”.

  "Financial institution" indicates information for identifying a financial institution. In the example of FIG. 9, the “financial institution” stores financial institution names such as “A card”, “B bank”, “C card”, “D investment trust”, and “E bank”. In the item "financial institution", not the name of the financial institution but identification information (for example, identification code) of the financial institution may be stored.

  “Fee information” indicates the fee charged to the user when the financial institution specified in the “Financial institution” item provides the service. For example, the fee information is information such as a credit card annual fee and a settlement fee. In the example shown in FIG. 9, the “fee information” stores conceptual information such as “F1” to “F5”, but text data, binary data, and other data indicating the fee itself are stored. May be

  “Privilege information” indicates information on a privilege provided to the user by the financial institution specified in the “Financial institution” item. The benefit may be a point provided by a financial institution or a discount such as a fee. In the example shown in FIG. 9, the “fee information” stores conceptual information such as “G1” to “G5”, but text data, binary data, and other data indicating the fee itself are stored. May be

  Referring back to FIG. 7, the control unit 23 is a controller, and for example, various programs stored in a storage device in the information processing server 20 are executed by using a RAM or the like as a work area by a processor such as CPU or MPU Is realized by The control unit 23 is a controller, and may be realized by an integrated circuit such as an ASIC or an FPGA.

  As illustrated in FIG. 7, the control unit 23 includes an acquisition unit 231, a generation unit 232, a specification unit 233, and a transmission unit 234. The blocks (acquisition unit 231 to transmission unit 234) that constitute the control unit 23 are functional blocks that indicate the functions of the control unit 23, respectively. These functional blocks may be software blocks or hardware blocks. For example, the functional blocks described above may be one software module implemented by software (including a microprogram) or one circuit block on a semiconductor chip (die). Of course, each functional block may be one processor or one integrated circuit. The configuration method of the functional block is arbitrary. In addition, the control part 23 may be comprised by the function unit different from the above-mentioned functional block.

  The acquisition unit 231 acquires transaction information related to a transaction using a predetermined service. For example, the acquisition unit 231 acquires, as transaction information, information on a transaction using a service provided by the first financial institution. In addition, the acquisition unit 231 acquires, as transaction information, settlement information regarding settlement using a settlement service provided by the first financial institution. In addition, the acquisition unit 231 acquires, as transaction information, information on a transaction indicating payment to the account of the user as the transaction information. For example, the acquisition unit 231 acquires, as transaction information, information on a deposit transaction of the user who uses the deposit service. In addition, the acquisition unit 231 acquires, as transaction information, information on a transaction using a service provided by the first financial institution. In addition, the acquisition unit 231 acquires, as transaction information, settlement information regarding settlement using a settlement service provided by the first financial institution. The acquisition unit 231 may acquire transaction information including information on a plurality of transactions.

  The generation unit 232 generates transaction incidental information indicating an outcome or a burden assumed to occur accompanying the transaction, assuming that the user's past transaction specified by the transaction information has been replaced by another transaction. Do. For example, assuming that the generation unit 232 substitutes the past transaction (actual transaction) of the user specified by the transaction information with a transaction (hypothetical transaction) using another service different from the predetermined service. And generating information indicative of an outcome or burden assumed to be caused by the transaction as the transaction incidental information. Further, the generation unit 232, as the transaction incidental information, information indicative of a result or a burden assumed to be generated accompanying the transaction, assuming that the user has carried out the past transaction at a predetermined time. It may be generated as information.

  For example, when it is assumed that the past transaction of the user specified by the transaction information is performed using a service provided by a second financial institution different from the first financial institution, the generation unit 232 attaches to the transaction. Generate transaction-related information indicating the expected outcome or burden. As an example, if generation unit 232 assumes that the past settlement of the user specified by the settlement information is performed using the settlement service of the second financial institution different from the first financial institution, the generation unit 232 is attached to the settlement. Generate transaction-related information indicating the expected outcome or burden.

  In addition, assuming that the generation unit 232 performs a plurality of transactions in the past of the user specified by the transaction information using a service different from the service actually used by the user, the generation unit 232 accompanies the transaction. Summation information indicating the sum of a plurality of expected outcomes or a plurality of burdens is generated.

  Further, the generation unit 232 generates a transaction statement including at least the item of the total of the user's expenditure based on the transaction information, and adds the sum information to the item of the total.

  In addition, the generation unit 232 generates transaction-related information regarding a transaction that satisfies a predetermined standard among a plurality of past transactions of the user specified by the transaction information. Further, the generation unit 232 generates the transaction statement based on the transaction information, and adds the transaction incidental information to the item of the transaction for which the transaction incidental information is generated among the plurality of transactions recorded in the transaction statement. .

  In addition, assuming that the generation unit 232 substitutes a transaction using another service that is different from the predetermined service from the user's past transaction specified by the transaction information, the generation unit 232 determines that the user has obtained along with the transaction. Generate output information that indicates the expected output. For example, assuming that the generation unit 232 assumes that the past transaction of the user specified by the transaction information has been replaced by a transaction using another service different from the predetermined service, the generation unit 232 determines that the user has acquired the transaction. Generate privilege information indicating an expected benefit. Alternatively, the generation unit 232 is assumed to be obtained by the user when it is assumed that the past transaction (for example, past deposit transaction) of the user specified by the transaction information is substituted for the operation transaction using the asset management service. Operation result information indicating the operation results.

  In addition, assuming that the past transaction of the user specified by the transaction information is replaced with the transaction using another service different from the predetermined service, the generation unit 232 imposes the user along with the transaction. Generate burden information indicating the assumed burden. For example, assuming that the past transaction of the user specified in the transaction information is replaced by a transaction using another service different from the predetermined service, the generation unit 232 is attached to the transaction using the other service. And generates fee information indicating the fee assumed to be charged by the user. At this time, when it is assumed that the past settlement of the user specified by the settlement information is performed using the settlement service of the second financial institution different from the first financial institution, the generation unit 232 charges the user. Commission information may be generated indicating the assumed commissions.

  The generation unit 232 generates presentation information to be presented to the user based on predetermined user attribute information on the user. For example, the generation unit 232 generates recommendation information for recommending the user to introduce a family card when the family configuration of the user satisfies a predetermined standard. Alternatively, when it is determined that the change in the user's residence has been performed within a predetermined period, the generation unit 232 generates the living information that is required along with the change in the residence.

  The identifying unit 233 identifies predetermined user attribute information on the user based on information on a plurality of transactions included in the transaction information. For example, the identification unit 233 identifies information on the family configuration of the user based on information on a plurality of transactions included in the transaction information. Alternatively, the identification unit 233 identifies a change in the user's residence based on information on a plurality of rent payments included in the transaction information.

  The transmission unit 234 transmits the data of the transaction statement generated by the generation unit 232 to the terminal device 10.

[5. Configuration Example of Service Providing Server]
Next, the configuration of the service providing server 30 will be described in detail. The service providing server 30 is a server that processes requests from client computers such as the terminal device 10. The service providing server 30 functions as a second server of the information processing system 1. The service providing server 30 may be a PC server, a midrange server, or a mainframe server. Further, the service providing server 30 may be configured by one server, or may be configured by a plurality of servers that cooperate to execute processing. When the service providing server 30 includes a plurality of servers, the installation locations of these servers may be remote. These servers can be regarded as one service providing server if they cooperate to execute processing even if the installation site is far away.

  FIG. 10 is a diagram showing an exemplary configuration of the service providing server 30 according to the embodiment. The service providing server 30 includes a communication unit 31, a storage unit 32, and a control unit 33. The configuration shown in FIG. 10 is a functional configuration, and the hardware configuration may be different therefrom.

  The communication unit 31 is a communication interface that communicates with an external device. The communication unit 31 may be a network interface or a device connection interface. For example, the communication unit 31 may be a LAN interface such as a NIC, or may be a USB interface configured by a USB host controller, a USB port, or the like. The communication unit 31 may be a wired interface or a wireless interface. The communication unit 31 functions as a communication unit of the service providing server 30. The communication unit 31 communicates with the terminal device 10 and the information processing server 20 according to the control of the control unit 33.

  The storage unit 32 is a storage device capable of reading and writing data such as a DRAM, an SRAM, a flash memory, and a hard disk. The storage unit 32 functions as a storage unit of the service providing server 30. The storage unit 32 stores transaction information of each user.

  The control unit 33 is a controller, and is implemented, for example, by a processor such as a CPU or an MPU executing various programs stored in a storage device in the service providing server 30 using a RAM or the like as a work area. The control unit 33 is a controller, and may be realized by, for example, an integrated circuit such as an ASIC or an FPGA.

  As shown in FIG. 10, the control unit 33 includes an acquisition unit 331, an authentication unit 332, a generation unit 333, and a transmission unit 334. The blocks (acquisition unit 331 to transmission unit 334) constituting the control unit 33 are functional blocks that indicate the functions of the control unit 33, respectively. These functional blocks may be software blocks or hardware blocks. For example, the functional blocks described above may be one software module implemented by software (including a microprogram) or one circuit block on a semiconductor chip (die). Of course, each functional block may be one processor or one integrated circuit. The configuration method of the functional block is arbitrary. The control unit 33 may be configured in units of functions different from the above-described functional blocks.

  The acquisition unit 331 acquires user authentication information from the terminal device 10.

  The authentication unit 332 executes user authentication based on the authentication information acquired by the acquisition unit 331.

  The generation unit 333 generates a page for the user to make a financial transaction. In addition, the generation unit 333 acquires transaction information to be transmitted to the information processing server 20 from the storage unit 32.

  The transmitting unit 334 distributes a page for the user to execute a financial transaction to the terminal device 10. In addition, the transmission unit 334 transmits the transaction information of the user to the information processing server 20.

[6. Processing Flow of Information Processing Server]
Next, the procedure of the process performed by the information processing server 20 will be described with reference to FIG. FIG. 11 is a flowchart illustrating an example of the data transmission process. When the power is turned on, the information processing server 20 starts data transmission processing.

  First, the information processing server 20 determines whether a request (transmission request) for application output data has been received from the terminal device 10 operated by the user U1 (step S11). The application output data is, for example, data (business account data) of a transaction statement displayed in a household account application installed in the terminal device 10. When the request has not been received (step S11: No), the information processing server 20 executes step S11 again.

  When the request has been received (step S11: Yes), the information processing server 20 acquires transaction information from the service providing server 30 of each financial institution (step S12). Then, the information processing server 20 generates transaction incidental information based on the transaction information acquired in step S12 (step S13). Further, the information processing server 20 generates a transaction statement as application output data based on the transaction information acquired in step S12 (step S14). Then, the information processing server 20 adds the transaction incidental information generated in step S13 to the transaction description generated in step S14 (step S15). Then, the information processing server 20 transmits the transaction details to which the transaction incidental information is added as the application output data to the terminal device 10 (step S16).

  Subsequently, the information processing server 20 specifies predetermined user attribute information on the user U1 based on the transaction information acquired in step S12 (step S17). For example, the information processing server 20 specifies information related to the family configuration of the user based on the information on the plurality of transactions included in the transaction information. Alternatively, the information processing server 20 specifies a change in the user's residence based on information on a plurality of rent payments included in the transaction information.

  Then, the information processing server 20 generates presentation information to be presented to the user U1 based on the user attribute information acquired in step S17 (step S18). For example, when the family configuration of the user U1 satisfies a predetermined standard, the information processing server 20 generates recommendation information for recommending the user U1 to introduce a family card. Alternatively, the information processing server 20 generates living information that is required along with the change in the residence when the change in the residence of the user is performed within a predetermined period.

  Then, the information processing server 20 transmits the generated presentation information to the terminal device 10 (step S19). The terminal device 10 displays the transaction details transmitted in step S16 and the presentation information transmitted in step S19 on the screen. When the transmission of the presentation information is completed, the information processing server 20 returns to step S11 and repeats the processing of steps S11 to S19.

[7. Modified example]
The above embodiment is an example, and various modifications and applications are possible.

  For example, in the above-described embodiment, the hypothetical transaction is a transaction using another service different from the predetermined service. However, the hypothetical transaction may not be a transaction using another service. For example, the hypothetical transaction may simply be another transaction that is different from the user's past transactions. For example, the hypothetical transaction may be a transaction using the same service as a past transaction. As an example, the hypothetical transaction may be a transaction that occurs at a time different from the trading time of past transactions. At this time, it is assumed that the information processing server 20 accompanies the transaction when it is assumed that the past transaction used by the user is performed at a predetermined time (for example, a time different from the transaction time of the past transaction). It may be configured to generate transaction-related information indicating the outcome or burden to be made. For example, it is assumed that the "predetermined service" is a predetermined shopping service operated by a predetermined service provider. Further, it is assumed that in a predetermined shopping service, a special benefit is obtained when shopping at a specific time (for example, a campaign where doubling occurs when shopping at 5th day). In this case, if the information processing server 20 assumes that the past shopping performed by the user has been performed at a predetermined time (for example, 5 days), information of benefits that are assumed to be obtained by the user (for example, + 100 pt) is generated as transaction additional information. At this time, the information processing server 20 may post the information of the benefit (for example, the information that “if 100 points bought + 100 pt obtained”) is acquired in the transaction statement. Also in the above case, the transaction-related information is not limited to the benefit information. The transaction-related information may be outcome information other than the benefit information, or may be burden information.

  Moreover, in the above-mentioned embodiment, transaction additional information shall be result information or burden information. However, the transaction-related information is not limited to the outcome information or the burden information. For example, in the information processing server 20, an outcome obtained by the user accompanying the past transaction (actual transaction) of the user using the predetermined service and an assumed transaction using another service different from the predetermined service. In addition to the above, the difference information indicating the difference between the result obtained by the user may be generated as the transaction additional information. For example, the information processing server 20 may be a result (for example, a result obtained by the user accompanying the past transaction (for example, actual settlement) of the user using a service (for example, settlement service) provided by the first financial institution). User benefits along with hypothetical transactions (eg, hypothetical settlement) using services (eg, settlement services) provided by a second financial institution different from the first Difference information indicating a difference between the result (for example, a benefit such as a point) may be generated as the transaction additional information. Actual transactions and hypothetical transactions are not limited to settlement, and may be, for example, deposit transactions or asset management transactions. Of course, the actual transaction and the hypothetical transaction may be financial transactions. The user can easily compare the service aspect of the actual transaction and the hypothetical transaction.

  In addition, difference information is not limited to the information which shows the difference of an outcome. For example, the information processing server 20 performs an assumed transaction using a load obtained by the user accompanying the past transaction (actual transaction) of the user using the predetermined service and another service different from the predetermined service. The difference information indicating the difference between the burden imposed by the user incidentally to the user may be generated as the transaction incidental information. For example, the information processing server 20 is a load (for example, the user is imposed) accompanying the past transaction (for example, actual settlement) of the user using a service (for example, settlement service) provided by the first financial institution. , A fee) and a service (eg, settlement service) using a service provided by a second financial institution different from the first financial institution (eg, settlement service) The difference information indicating the difference between the burden (for example, the fee) and the like may be generated as the transaction additional information. The user can easily compare the service aspect of the actual transaction and the hypothetical transaction.

  Moreover, in the above-mentioned embodiment, presentation information presupposed that it is recommendation information and living information. However, the presentation information is not limited to the recommendation information and the living information shown in the above-described embodiment. For example, when the information processing server 20 includes an unnecessary fee (for example, an annual fee for a credit card having no transaction history for one year, etc.) in a plurality of transactions indicated in the transaction information, the fee unnecessary for the user Identify that you are paying Then, the information processing server 20 generates information indicating that the fee is an unnecessary fee as the presentation information. Further, the presentation information may be information of a campaign of a preset service (for example, information of cash back for a limited period).

  In addition, the presentation information may be information associated with a change in the user's life stage (for example, employment, marriage, job change, retirement, etc.). In this case, the information processing server 20 specifies a change in the user's life stage based on a plurality of transactions indicated in the transaction information. For example, the information processing server 20 specifies that the user has found a job when the transfer of salary is newly started to the account. Then, the information processing server 20 generates, for example, information (for example, information on a book such as a business manner) regarding the skills required as a member of society as presentation information.

  Moreover, in the above-mentioned embodiment, applications, such as a household account book application, were installed in the terminal device 10, and the information processing server 20 produced | generated the transaction statement (application output data) transmitted to an application. However, the terminal device 10 may request the information processing server 20 for data to be output to the browser (for example, transaction details such as a household account book). In this case, the information processing server 20 may generate data to be output to the browser instead of the application output data described in the above embodiment. The application installed in the terminal device 10 is not limited to the household account application. The application installed in the terminal device 10 may be a transaction statement application other than a household account book. The statement of accounts app may be configured to display transactions with a credit card and transactions with a bank account on different tags.

  Further, in the above-described embodiment, the information processing server 20 executes the process of acquiring the transaction information and the process of generating the transaction-accompanying information. However, the terminal device 10 may execute these processes performed by the information processing server 20. That is, the terminal device 10 may be the information processing apparatus according to the present embodiment. In this case, an application (for example, a household account application) installed in the terminal device 10 may execute the process executed by the information processing server 20. In this case, the terminal device 10 may have functions as an acquisition unit 231, a generation unit 232, a specification unit 233, and a transmission unit 234 included in the information processing server 20. Further, the service providing server 30 may execute the processing executed by the information processing server 20. That is, the service providing server 30 may be the information processing apparatus according to the present embodiment. In this case, the service providing server 30 may have functions as an acquisition unit 231, a generation unit 232, a specification unit 233, and a transmission unit 234 included in the information processing server 20.

  The control device that controls the terminal device 10, the information processing server 20, or the service providing server 30 according to the present embodiment may be realized by a dedicated computer system or may be realized by a normal computer system. For example, a program for executing the above-described operation is stored in a computer-readable recording medium such as an optical disk, semiconductor memory, magnetic tape, flexible disk, etc. and distributed, the program is installed in a computer, and the above-described processing is performed. The control device may be configured by execution. The control device may be an external device (for example, a personal computer) outside the terminal device 10, the information processing server 20, or the service providing server 30, or may be an internal device (for example, the control unit 15, 23, 33). It may be. In addition, the program may be stored in a disk device provided in a server device on a network such as the Internet so that the program can be downloaded to a computer. In addition, the above-described functions may be realized by cooperation of an OS (Operating System) and application software. In this case, the part other than the OS may be stored in the medium and distributed, or the part other than the OS may be stored in the server apparatus and downloaded to the computer.

  Further, among the processes described in the above-described embodiments, all or part of the process described as being automatically performed may be manually performed, or the process described as being manually performed. All or part of can be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above-mentioned documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

  Further, each component of each device illustrated is functionally conceptual, and does not necessarily have to be physically configured as illustrated. That is, the specific form of the distribution and integration of each device is not limited to the illustrated one, and all or a part thereof may be functionally or physically dispersed in any unit depending on various loads, usage conditions, etc. It can be integrated and configured.

  Moreover, it is possible to combine suitably each embodiment mentioned above in the range which does not contradict process content.

[8. Hardware configuration]
The terminal device 10, the information processing server 20, and the service providing server 30 according to the embodiment and the modification can also be realized by, for example, a computer 1000 configured as shown in FIG. FIG. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the terminal device 10, the information processing server 20, and the service providing server 30. The computer 1000 includes a central processing unit (CPU) 1100, a RAM 1200, a ROM 1300, a hard disk drive (HDD) 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F). ) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 to control each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 starts up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores a program executed by the CPU 1100, data used by the program, and the like. The communication interface 1500 receives data from another device via the network N, sends the data to the CPU 1100, and transmits data generated by the CPU 1100 to the other device via the network N.

  The CPU 1100 controls output devices such as a display and a printer and input devices such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from an input device via the input / output interface 1600. The CPU 1100 also outputs the generated data to the output device via the input / output interface 1600.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the CPU 1100 with the program via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700 and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a digital versatile disc (DVD) or a phase change rewritable disc (PD), a magneto-optical recording medium such as a magneto-optical disk (MO), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

  For example, when the computer 1000 functions as the terminal device 10, the information processing server 20, or the service providing server 30 according to the embodiment, the CPU 1100 of the computer 1000 executes the program loaded on the RAM 1200 to execute the control unit 15. , 23, 33 are realized. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via the network N.

  Although some of the embodiments of the present application have been described in detail based on the drawings, these are only examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the rows of the disclosure of the invention. It is possible to implement the invention in other improved forms.

[9. effect〕
According to the present embodiment, the information processing server 20 acquires transaction information related to a transaction using a predetermined service. Then, assuming that the information processing server 20 has replaced the user's past transaction specified by the transaction information with a transaction under a predetermined condition different from the past transaction, it is assumed that the information processing server 20 accompanies the transaction. Generate transaction-related information that indicates the outcome or burden of the For example, it is assumed that the information processing server 20 accompanies a transaction when it is assumed that the user's past transaction specified by the transaction information has been replaced by a transaction using another service different from the predetermined service. Generate transaction-related information indicating the achieved outcome or burden. Alternatively, when it is assumed that the user has made a past transaction at a predetermined time, the information processing server 20 generates transaction incidental information indicating an outcome or a burden assumed to be generated accompanying the transaction. Thereby, the user can easily know the service mode of the service different from the service currently being used, without actively collecting information by looking at the transaction-related information. As a result, the user can easily compare the services, and can thus get an opportunity to receive the service form suitable for him.

  In addition, the information processing server 20 acquires, as transaction information, information on a transaction using a service provided by the first financial institution. Then, assuming that the information processing server 20 has performed the past transaction of the user specified by the transaction information using a service provided by a second financial institution different from the first financial institution, Generate transaction-related information that indicates the outcome or burden that is assumed to occur concomitantly. Thereby, the user can easily know the service aspect of the service of the financial institution different from the service of the financial institution currently used. As a result, the user can easily compare the services, and can thus get an opportunity to receive the service form suitable for him.

  In addition, the information processing server 20 acquires, as the transaction information, settlement information regarding settlement using the settlement service provided by the first financial institution. Then, the information processing server 20 is attached to the settlement, assuming that the past settlement of the user specified by the settlement information is performed using the settlement service of the second financial institution different from the first financial institution. Generate transaction-related information indicating the expected outcome or burden. Thereby, the user can easily know the service mode of the settlement service of the financial institution different from the settlement service of the financial institution currently being used. As a result, the user can easily compare payment services, and can thus get an opportunity to receive payment services suitable for him / her.

  Further, the information processing server 20 acquires transaction information including information on a plurality of transactions. Then, the information processing server 20 accompanies the transaction when it is assumed that each of a plurality of past transactions of the user specified by the transaction information is performed using a service different from the service actually used by the user. The sum information indicating the sum of a plurality of expected results or a plurality of burdens is generated. As a result, the user can know the result or burden of replacing a plurality of transactions of a given service with transactions of another service as a total. Many users do not change the service they use once and continue to use one service. The user will be able to compare the service modes in a form that is realistic.

  Further, the information processing server 20 generates a transaction statement including at least the item of the total of the user's expenditure based on the transaction information, and adds the sum information to the item of the total. This enables the user to compare the service modes in a form that is realistic.

  Further, the information processing server 20 acquires transaction information including information on a plurality of transactions. Then, the information processing server 20 generates transaction incidental information on a transaction that satisfies a predetermined standard among a plurality of past transactions of the user specified by the transaction information. If transaction-related information is generated for all transactions, the user may be difficult to compare service modes. For example, even with a small transaction amount transaction, if transaction-related information is displayed one by one, it is difficult for the user to really understand what is the transaction with the merit of changing the service. However, it is easy for the user to compare service modes because it is the transactions that meet the predetermined criteria that the transaction-related information is generated.

  Further, the information processing server 20 generates the transaction statement based on the transaction information, and adds the transaction incidental information to the item of the transaction for which the transaction incidental information is generated among the plurality of transactions recorded in the transaction statement. Do. This makes it easy for the user to understand what a transaction that truly benefits the service change.

  In addition, assuming that the information processing server 20 substitutes a transaction using another service different from the predetermined service, the information processing server 20 obtains the user's transaction accompanying the transaction. Generate output information that indicates the expected output. This allows the user to easily know the results obtained when using a service different from the service currently being used.

  In addition, assuming that the information processing server 20 substitutes a transaction using another service different from the predetermined service, the information processing server 20 obtains the user's transaction accompanying the transaction. Generating benefit information indicating a benefit that is supposed to be This allows the user to easily know the benefits obtained when using a service different from the service currently being used.

  In addition, the information processing server 20 acquires, as transaction information, information on a transaction indicating payment to the account of the user. For example, the information processing server 20 acquires, as transaction information, information on a deposit transaction of a user who uses the deposit service. Then, it is assumed that the information processing server 20 obtains the user when it is assumed that the past transaction (for example, past deposit transaction) of the user specified by the transaction information is substituted for the operation transaction using the asset management service. Operation result information indicating the operation results to be Thereby, the user can easily know the operation result obtained when the deposit is switched to the predetermined asset management.

  Also, assuming that the information processing server 20 substitutes a transaction using another service different from the predetermined service, the user of the information processing server adds to the transaction. Generate burden information indicating the assumed burden. This allows the user to easily know the burden imposed when using a service different from the service currently being used.

  Further, assuming that the information processing server 20 has replaced the transaction using the other service different from the predetermined service, the information processing server 20 substitutes the transaction using the other service. In addition, it generates fee information indicating the fee assumed to be charged by the user. This allows the user to easily know the fee charged when using a service different from the service currently being used.

  In addition, the information processing server 20 acquires, as the transaction information, settlement information regarding settlement using the settlement service provided by the first financial institution. Then, it is assumed that the information processing server 20 charges the user when the past settlement of the user specified by the settlement information is performed using the settlement service of the second financial institution different from the first financial institution. Generate fee information that indicates the estimated fee that has been Thereby, the user can easily know the fee charged when using the settlement service of a financial institution different from the settlement service of the financial institution currently being used.

  In addition, the information processing server 20 specifies predetermined user attribute information on the user based on information on a plurality of transactions included in the transaction information. Then, the information processing server 20 generates presentation information to be presented to the user based on predetermined user attribute information. Thereby, the user can easily know the necessary information for the user specified based on the transaction information.

  In addition, the information processing server 20 specifies information on the family configuration of the user based on the information on a plurality of transactions included in the transaction information. Then, the information processing server 20 generates recommendation information for recommending the user to introduce a family card when the family configuration satisfies a predetermined standard. Thereby, the user can easily know the recommendation information specified based on the transaction information.

  In addition, the information processing server 20 specifies a change in the user's residence based on information on a plurality of rent payments included in the transaction information. Then, when it is determined that the change of the user's residence has been performed within a predetermined period, the information processing server 20 generates the living information that is required along with the change of the residence. Thereby, the user can easily know life information specified based on the transaction information.

  Although some of the embodiments of the present application have been described in detail based on the drawings, these are only examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to implement the invention in other improved forms.

  In addition, the "section (module, unit)" described above can be read as "means" or "circuit". For example, the generation unit can be read as a generation unit or a generation circuit.

DESCRIPTION OF SYMBOLS 1 ... Information processing system 10 ... Terminal device 11, 21, 31 ... Communications part 12 ... Input part 13, 22, 32 ... Storage part 14 ... Output part 15, 23, 33 ... Control part 20 ... Information processing server 221 ... User information Database 222 ... financial institution information database 231, 331 ... acquisition unit 232, 333 ... generation unit 233 ... identification unit 234, 334 ... transmission unit 30, 30 ₁ , 30 ₂ , 30 ₃ ... service providing server 332 ... authentication unit

Claims (17)

An acquisition unit that acquires transaction information related to a transaction using a predetermined service;
A transaction that indicates an outcome or burden assumed to be associated with a transaction, assuming that the user's past transaction specified by the transaction information is replaced with a transaction under a predetermined condition different from the past transaction. A generation unit that generates incidental information;
An information processing apparatus comprising: It is assumed that the generation unit accompanies a transaction when it is assumed that the user's past transaction specified by the transaction information is replaced by a transaction using another service different from the predetermined service. Generate the transaction-related information indicating the outcome or burden of the
An information processing apparatus according to claim 1, characterized in that. The generation unit generates the transaction-related information indicating an outcome or a load assumed to be generated accompanying a transaction, assuming that the user has performed the past transaction at a predetermined time.
An information processing apparatus according to claim 1, characterized in that. The acquisition unit acquires, as the transaction information, information on a transaction using a service provided by a first financial institution,
If the generation unit determines that the past transaction of the user specified by the transaction information is performed using a service provided by a second financial institution different from the first financial institution, Generating the transaction-related information indicating the outcome or burden assumed to occur concomitantly;
The information processing apparatus according to claim 1 or 2, characterized in that: The acquisition unit acquires transaction information including information on a plurality of transactions,
The generation unit accompanies a transaction when it is assumed that each of a plurality of past transactions of the user specified by the transaction information is performed using a service different from the service actually used by the user. Generate summation information indicating the summation of a plurality of expected outcomes or a plurality of burdens,
The information processing apparatus according to any one of claims 1 to 4, characterized in that: The generation unit generates, based on the transaction information, a transaction statement including at least an item of the sum of the user's expenditures, and adds the sum information to the item of the sum.
The information processing apparatus according to claim 5, characterized in that: The acquisition unit acquires transaction information including information on a plurality of transactions,
The generation unit generates the transaction-related information related to a transaction satisfying a predetermined standard among a plurality of past transactions of the user specified by the transaction information.
The information processing apparatus according to any one of claims 1 to 6, characterized in that: The generation unit generates a transaction statement based on the transaction information, and, among a plurality of transactions recorded in the transaction statement, the transaction incidental information in the item of the transaction for which the transaction incidental information is generated. Add
The information processing apparatus according to claim 7, characterized in that: When the generation unit assumes that the past transaction of the user specified by the transaction information is replaced by a transaction using another service different from the predetermined service, the user obtains the transaction along with the transaction. Generate benefit information indicating benefits that are assumed to be
The information processing apparatus according to any one of claims 1 to 8, characterized in that. The acquisition unit acquires, as the transaction information, information on a transaction indicating payment to a user's account,
The generation unit is an operation result indicating an operation result assumed to be obtained by the user, assuming that the past transaction of the user specified by the transaction information is replaced with an operation transaction using an asset management service. Generate information,
The information processing apparatus according to any one of claims 1 to 9, characterized in that. When the generation unit assumes that the past transaction of the user specified by the transaction information has been replaced by a transaction using another service different from the predetermined service, the user adds the transaction. Generate burden information indicating the burden assumed to be
The information processing apparatus according to any one of claims 1 to 10, characterized in that: When the generation unit assumes that the past transaction of the user specified by the transaction information is replaced by a transaction using another service different from the predetermined service, the generation unit uses the other service for the transaction. Additionally generating fee information indicating fees assumed to be imposed by the user,
The information processing apparatus according to any one of claims 1 to 11, characterized in that: The information processing apparatus further comprising: an identifying unit that identifies predetermined user attribute information on the user based on information on a plurality of transactions included in the transaction information.
The generation unit generates presentation information to be presented to the user based on the predetermined user attribute information.
The information processing apparatus according to any one of claims 1 to 12, characterized in that: The identification unit identifies information on a family configuration of the user based on information on a plurality of transactions included in the transaction information,
The generation unit generates recommendation information for recommending introduction of a family card to the user when the family configuration satisfies a predetermined standard.
The information processing apparatus according to claim 13, characterized in that: The identification unit identifies a change in the residence of the user based on information on a plurality of rent payments included in the transaction information,
The generation unit generates living information necessary for a change in the residence when it is determined that the change in the residence of the user is performed within a predetermined period.
The information processing apparatus according to claim 13 or 14, characterized in that: An information processing method executed by the information processing apparatus;
An acquisition step of acquiring transaction information related to a transaction using a predetermined service;
A transaction that indicates an outcome or burden assumed to be associated with a transaction, assuming that the user's past transaction specified by the transaction information is replaced with a transaction under a predetermined condition different from the past transaction. A generation step of generating incidental information;
An information processing method comprising: An acquisition procedure for acquiring transaction information on a transaction using a predetermined service;
A transaction that indicates an outcome or burden assumed to be associated with a transaction, assuming that the user's past transaction specified by the transaction information is replaced with a transaction under a predetermined condition different from the past transaction. Generation procedure for generating accompanying information;
An information processing program for making a computer execute.

Images