JP2019113946A - Information processing apparatus, information processing method, information processing program and information system - Google Patents

Abstract

To propose a remitter account that can reduce a remittance fee even if the remittance fee changes depending on conditions at the time of remittance.SOLUTION: An information processing apparatus comprises: storage means for storing correspondence relationship between account information including information identifying an account held by a user and a financial institution that manages the account and user information identifying the user; acceptance means for accepting a proposal request including designation of the user information from a requester device; acquisition means for acquiring the account information associated with the user information included in the proposal request with reference to the correspondence relationship; inquiry means for inquiring a management server of the financial institution specified by the account information about a remittance fee for remittance from the account specified by the acquired account information and for acquiring the inquiry result including a remittance fee for remittance from the account specified by the account information; and transmission means for transmitting the inquiry result acquired from the management server to the requester device.SELECTED DRAWING: Figure 8

Description

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

  The remittance fee for remittance between accounts may vary depending on the conditions of use of financial instruments provided by financial institutions and the amount of remittance. Furthermore, if the sender of the remittance holds accounts at a plurality of financial institutions, the remittance fee may vary depending on the remittance source account selected as the remittance source. Then, the proposal system which proposes the remittance source account which a remittance charge becomes cheap based on the conditions registered beforehand is disclosed (for example, refer patent documents 1-4).

JP 2003-303284 A JP, 2006-114003, A JP 2012-018655 A JP, 2016-148970, A

  As mentioned above, remittance fees may change depending on the usage of financial instruments, but the usage of financial instruments is not always the same. For example, customers who used to use mutual funds and mortgages may not currently use mutual funds. Whenever there is a change in the usage of financial products, it is difficult to update the usage registered in the proposal system. In addition, even though the usage status of financial products has changed, if the usage status registered in the proposal system is not updated, the remittance fee will be reduced even if the remittance source account proposed by the proposal system is used. It may not be cheap. Furthermore, the remittance fee also differs depending on whether the remitter account and remittance account financial institution or branch are identical. Therefore, when each of the remittance party and the reimbursed person holds a plurality of accounts, it is difficult to confirm which remittance fee can be reduced by remittance from which account to which account. Since the remittance fee differs depending on the conditions at the time of the above remittance, it has been difficult to confirm the remittance source account which makes the remittance fee cheap.

  Therefore, one aspect of the disclosed technology is to provide an information processing apparatus, an information processing method, and an information processing program capable of proposing a remittance source account with which the remittance fee becomes low even if the remittance fee changes depending on the conditions at the time of remittance. The purpose is

  One aspect of the disclosed technology is exemplified by the following information processing apparatus. The information processing apparatus is a storage unit that specifies the account held by the user and stores the correspondence between the account information including the information specifying the financial institution that manages the account and the user information specifying the user; Acquisition means for receiving a proposal request including specification of user information from the request source device, acquisition means for acquiring account information associated with the user information included in the proposal request with reference to the correspondence, and Inquires the management server of the financial institution specified by the account information about the remittance fee for remittance from the account specified by the account information, and obtains the inquiry result including the remittance charge for remittance from the account specified by the account information Inquiring means and transmission means for transmitting the inquiry result acquired from the management server to the request source device.

  According to such a technique, when the information processing apparatus receives a proposal request including specification of user information from the request source device, the information processing apparatus is correlated with the user information with reference to the correspondence stored in the storage unit. Get account information. The information processing apparatus inquires of the management server of the financial institution that manages the account for the remittance fee for the account specified by the acquired account information. When the information processing apparatus acquires the inquiry result, the information processing apparatus transmits it to the request source apparatus. According to the information processing apparatus, the remittance fee at the time of receiving the proposal request can be acquired from the management server. Therefore, even if the remittance fee changes, it is possible to check an account for which the remittance fee is cheaper.

  The disclosed technology may further have the following features. The remittance fee varies according to the remittance conditions at the time of remittance, the proposal request includes remittance condition information indicating the remittance conditions, and the inquiry means inquires of the management server the remittance fee according to the remittance conditions. According to such a technology, even if the remittance fee changes depending on whether the remittance source account and the remittee account are the same financial institution (or the same branch office) or the remittance conditions such as the remittance amount, remittance You can check the account that the fee is cheaper.

  The disclosed technology may further have the following features. The remittance conditions include whether the remittance source account and the remittance destination account belong to the same group, and the proposal request specifies the remittance destination account to be the remittance destination as remittance condition information and the remittance destination account belongs. The inquiring means inquires of the management server about the remittance charge to the account belonging to the group specified by the remittance destination account information. Here, the “group” is, for example, a financial institution or a branch of a financial institution. According to such a technique, even if the remittance fee changes depending on whether the remittance source account and the remittance destination account are the same financial institution (or branch), it is possible to confirm the account at which the remittance fee is low.

  The disclosed technology may further have the following features. The remittance conditions include the remittance amount, the proposal request includes the remittance amount to be remitted as remittance condition information, and the inquiring means inquires of the management server the remittance fee for remittance of the remittance amount. According to such a technique, even if the remittance charge fluctuates according to the remittance amount, it is possible to confirm an account at which the remittance charge becomes cheaper.

  The disclosed technology may further have the following features. The remittance destination account information includes the user information of the holder who holds the remittance destination account, and the acquiring means refers to the correspondence relationship to the account information associated with the user information included in the remittance destination account information. get. According to such a technology, even when the account number of the remittance account is unknown, the remittance account can be specified by the user information. In addition, even if the holder of the remittance account does not want to disclose the account number, remittance can be performed by the user information.

  The disclosed technology may further have the following features. The correspondence relationship further includes remittance destination permission information indicating whether the account information may be used as a remittance destination account, and the acquiring unit refers to the correspondence relationship to the user information included in the remittance destination account information. The associated account information, which is information indicating that the remittance destination permission information may be used as a remittance destination account, is acquired. According to such a technique, remittance to an account that the holder of the account does not want to use as a remittee account is suppressed.

  The disclosed technology may further have the following features. The correspondence relationship further includes remittance source permission information indicating whether or not the account information may be used as a remittance source account, and the acquiring unit is an account indicating that the remittance source permission information may be used as a remittance source account. Get information. According to such a technique, remittance from an account that the holder of the account does not want to use as a remittance source account is suppressed.

  The disclosed technology may further have the following features. The output means replaces the account information included in the inquiry result with the user information of the holder who holds the account specified by the account information, and transmits the inquiry result. According to such a technology, the privacy of the holder of the remittance account can be protected by not transmitting the account number of the remittance account.

  The disclosed technology may further have the following features. The inquiry result includes the balance of the account specified by the account information. According to such a technique, it is possible to determine the sender's account taking account balances into consideration.

  The disclosed technology may further have the following features. The transmitting means transmits, to the request source device, information specifying the remittance source account with the lowest remittance fee among the acquired inquiry results. According to such a technology, the user can easily grasp the remittance source account at which the remittance fee is the lowest.

  The disclosed technology can also be understood as an information processing method, an information processing program, and an information system.

  The information processing apparatus can propose a remittance source account that can confirm an account for which the remittance fee is low even when the remittance fee changes depending on the conditions at the time of remittance.

FIG. 1 is a diagram showing an example of the configuration of a remittance assistance system according to the first embodiment. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing apparatus. FIG. 3 is a diagram showing an example of processing blocks of the remittance assistance system according to the first embodiment. FIG. 4 is a first diagram showing an example of the correspondence between the customer ID and the financial product managed by the contract management DB. FIG. 5 is a diagram showing an example of the correspondence between the usage status of financial products managed by the condition DB and the handling of the remittance fee. FIG. 6 is a first diagram showing an example of the correspondence between the customer ID and the remittance fee managed by the fee management DB. FIG. 7 is a diagram showing an example of the correspondence between the user and the account managed by the user management DB. FIG. 8 is a diagram showing an example of a processing sequence of the remittance assistance system according to the first embodiment. FIG. 9 is a second diagram showing an example of the correspondence between the customer ID and the financial product managed by the contract management DB. FIG. 10 is a second diagram showing an example of the correspondence between the customer ID and the remittance fee managed by the fee management DB. FIG. 11 is a diagram illustrating an example of an output screen of the request source device.

  Hereinafter, embodiments will be described with reference to the drawings. The configurations of the embodiments shown below are illustrative, and the disclosed technology is not limited to the configurations of the embodiments.

First Embodiment
The first embodiment exemplifies a remittance support system that proposes a remittance source account with which the remittance fee is reduced when transferring any of a plurality of accounts held by a customer to a remittance destination account as a remittance source account. FIG. 1 is a diagram showing an example of the configuration of the remittance assistance system 1 according to the first embodiment. The remittance support system 1 includes management servers 11a, 11b and 11c installed in each of the financial institutions 10a, 10b and 10c, an intermediary server 21, and a request source device 31 of the user A. The user A is a customer who holds an account in the financial institution 10 and is also a user of the remittance assistance system 1. The financial institutions 10a, 10b and 10c are collectively referred to as a financial institution 10. The management servers 11a, 11b, and 11c are collectively referred to as a management server 11. The management server 11 and the request source device 31 are connected to the mediation server 21 by a computer network. In the first embodiment, Transmission is used as a computer network communication protocol.
Although Control Protocol / Internet Protocol (TCP / IP) is employed, it is not limited thereto. In the first embodiment, a process of designating a remittance destination account from the remittance source account of the financial institution 10 held by the user A and remittance is exemplified. Although one request source device 31 and one user A are illustrated in FIG. 1, the request source device 31 and the user A may be plural.

  The management server 11 is an information processing apparatus that manages the user A, the account held by the user A in the financial institution 10, and the usage status of the account in association with each other. The association between the user A and the account is performed, for example, based on a customer ID identifying each customer in the financial institution 10 and an account number identifying the account. The usage status of the account includes, for example, the balance of the account. The management server 11 further associates the use status of the financial product used by the user A in the financial institution 10 with the user A and manages it. The usage status of the financial product may be, for example, the presence or absence of receipt of salary or pension, the presence or absence of automatic withdrawal of public utility charges, the presence or absence of credit card held by the financial institution 10, the presence or absence of use of an investment trust.

  The mediation server 21 is an information processing device that mediates the exchange between the management server 11 and the request source device 31. Further, the intermediation server 21 associates and manages the user A and the account that the user A holds at each financial institution 10. When the intermediary server 21 receives the proposal request including the specification of the remittance destination account from the request source device 31, the information indicating the account which can be remitted from the account held by the user A to the remittance destination account designated with the cheap remittance fee It is transmitted to the request source device 31.

  The request source device 31 is an information processing device used by the user A. The request source device 31 is, for example, a desktop personal computer (PC), a notebook PC, a tablet PC, a smartphone, a personal digital assistance (PDA), and a mobile phone. The request source device 31 can access the intermediary server 21 via a computer network.

FIG. 2 is a diagram showing an example of the hardware configuration of the information processing apparatus 500. As shown in FIG. The information processing apparatus 500 includes a central processing unit (CPU) 501, a main storage unit 502, an auxiliary storage unit 5.
And 03, a communication unit 504 and a connection bus B1. The CPU 501, the main storage unit 502, the auxiliary storage unit 503, and the communication unit 504 are mutually connected by a connection bus B1. The information processing apparatus 500 can be used as the management server 11, the mediation server 21, and the request source device 31.

The CPU 501 is also called a microprocessor unit (MPU) or a processor. The CPU 501 is not limited to a single processor, and may have a multiprocessor configuration. Also, a single CPU 501 connected by a single socket may have a multi-core configuration. At least a part of the processing executed by the CPU 501 is performed by a processor other than the CPU 501, for example, a dedicated processor such as a digital signal processor (DSP), a graphics processing unit (GPU), a numerical operation processor, a vector processor, or an image processor. It is good. Further, at least a part of the processing executed by the CPU 501 may be executed by an integrated circuit (IC) or another digital circuit. Also,
At least a part of the CPU 501 may include an analog circuit. Integrated circuits include large scale integrated circuits (LSI) and application specific integrated circuits (AS).
IC), including programmable logic devices (PLD). The PLD includes, for example, a field-programmable gate array (FPGA). The CPU 501 may be a combination of a processor and an integrated circuit. The combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chipset, or the like. In the information processing apparatus 500, the CPU 501 develops the program stored in the auxiliary storage unit 503 in the work area of the main storage unit 502, and controls the peripheral device through the execution of the program. As a result, the information processing apparatus 500 can execute processing that matches the predetermined purpose. The main storage unit 502 and the auxiliary storage unit 503 are recording media readable by the information processing device 500.

  The main storage unit 502 is exemplified as a storage unit directly accessed by the CPU 501. The main storage unit 502 includes Random Access Memory (RAM) and Read Only Memory (ROM).

  The auxiliary storage unit 503 stores various programs and various data in a recording medium so as to be readable and writable. The auxiliary storage unit 503 is also called an external storage device. The auxiliary storage unit 503 stores an operating system (OS), various programs, various tables, and the like. The OS includes a communication interface program that exchanges data with an external device or the like connected via the communication unit 504. The external device or the like includes, for example, another information processing device and an external storage device connected by a computer network or the like. The auxiliary storage unit 503 may be, for example, part of a cloud system that is a group of computers on a network.

The auxiliary storage unit 503 is, for example, an erasable programmable ROM (EPROM), a solid state drive (SSD), a hard disk drive (hard disk)
Drive, HDD) and the like. The auxiliary storage unit 503 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Further, the auxiliary storage unit 503 may be provided by Network Attached Storage (NAS) or Storage Area Network (SAN).

  The communication unit 504 is, for example, an interface with a computer network. A communication unit 504 communicates with an external device via a computer network.

  The information processing apparatus 500 may further include, for example, an input unit that receives an operation instruction from a user or the like. As such an input unit, an input device such as a keyboard, a pointing device, a touch panel, an acceleration sensor or a voice input device can be exemplified.

The information processing apparatus 500 may include, for example, an output unit that outputs data processed by the CPU 501 or data stored in the main storage unit 502. As such an output unit, an output device such as a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel or a printer can be exemplified.

<Processing block>
FIG. 3 is a diagram showing an example of processing blocks of the remittance assistance system 1 according to the first embodiment. FIG. 3 shows an example of processing blocks of the management server 11, the intermediary server 21 and the request source device 31 included in the remittance support system 1. The information processing apparatus 500 realizes the processing block illustrated in FIG. 3 by the CPU 501 executing a computer program expanded in the main storage unit 502 so as to be executable. The processing blocks will be described below with reference to FIG.

<Processing Block of Management Server 11>
As illustrated in FIG. 3, the management server 11 includes an authentication processing unit 101, an inquiry unit 102, a management unit 103, a contract management DB 104, a condition DB 105, and a fee management DB 106.

  The contract management DB 104 is a database for managing the correspondence between a customer ID identifying a customer of the financial institution 10 and a financial product used by the customer identified by the customer ID. FIG. 4 is a diagram showing an example of the correspondence between the customer ID and the financial product managed by the contract management DB 104. As shown in FIG. The correspondence illustrated in FIG. 4 includes the columns of “customer ID”, “salary”, “pension”, “utility fee”, “card”, and “investment trust”. The contract management DB 104 further includes the “account number” and “balance” columns of the account held by the customer identified by the customer ID.

  In the "salary", "pension", "utility fee", "card" and "investment" columns, information indicating the usage status of the financial product is stored. The information indicating the usage status is, for example, a flag. When a flag is employed as the information indicating the usage status, for example, “1” is stored in each column when a contract is made, and “0” is stored when no contract is made.

  The “customer ID” column stores a customer ID for identifying a customer in the financial institution 10. For example, “1” is stored in the “salary” column if the receiving account of the salary is the account of the financial institution 10, and “0” if not. For example, “1” is stored in the “Pension” column if the receiving account of the pension is the account of the financial institution 10, and “0” if not. For example, “1” is stored in the “utility fee” column if the account used for the automatic debiting of the utility fee is the account of the financial institution 10, and “0” if not. In the "card" column, for example, "1" is stored when the credit card issued by the financial institution 10 is contracted, and "0" is not stored. For example, “1” is stored in the “investment trust” column when an investment trust is made using the account of the financial institution 10, and “0” is not stored. In the "account number" column, an account number for identifying an account is stored. The “balance” stores the balance of the account specified by the account number stored in the “account number” column. For example, in FIG. 4, it can be seen that the customer of the customer ID "CCC" utilizes two financial products: receipt of pension and automatic withdrawal of utility charges. Further, it can be seen that the customer of the customer ID “CCC” holds an account of the account number “3333”, and the balance is “300,025” yen.

  The condition DB 105 is a database that manages the correspondence between the usage status of the financial product and the handling of the remittance fee. FIG. 5 is a diagram showing an example of the correspondence between the usage status of financial products managed by the condition DB 105 and the handling of the remittance fee. The correspondence illustrated in FIG. 5 includes the columns of “cumulative point”, “reduction amount range”, and “number of times of free remittance”. The "cumulative points" column stores points calculated based on the usage status of financial instruments. For example, in the contract management DB 104, one point is added each time any one flag of "salary", "annuity", "utility fee", "card", and "investment trust" is set to on. Also, for example, one point is added when the balance of the account exceeds 1,000,000 yen. The amount of deduction from the remittance charge is stored in the "deduction range" column. The “number of free remittances” column stores the number of remittances that can be remitted free per month.

The fee management DB 106 is a database for managing the correspondence between the customer ID and the remittance fee when the customer identified by the customer ID transfers money. The fee management DB 106 is updated by the management unit 103 with reference to the contract management DB 104 and the condition DB 105. Figure 6
These are figures which show an example of the correspondence of the customer ID and the remittance fee managed by fee management DB106. The correspondence illustrated in FIG. 6 includes the columns of “customer ID”, “internal fee”, “external fee”, “number of remittances free”, and “remaining number”. Similarly to FIG. 4, the “customer ID” column stores a customer ID for identifying a customer in the financial institution 10. In the "internal fee" column, a remittance fee is stored when the remittee account and the remittance source account are both the same financial institution 10. The “external fee” column stores the remittance fee when the remittee account and the remittance source account are different financial institutions 10. Even if the remittance source account and the remittance destination account belong to the same financial institution 10, the charge may differ depending on whether or not the remittance destination account and the remittance source account belong to the same branch. In order to simplify the explanation, if the remittee account and the remittee account belong to the same financial institution 10, the “internal fee” is applied regardless of whether they belong to the same branch or not. . Similarly to the "remittance free number" column of the condition DB 105, the "remittance free number" column stores the maximum number of remittance free remittances per month per month. The "remaining number" column stores the remaining number of the current month for which remittance can be made free of charge. In FIG. 6, for example, when the customer of the customer ID "AAA" has a remittance account when the remittance account and remittance account are both the same financial institution 10, the remittance fee is 0 yen, and the remittance account and remittance account It can be seen that the remittance charge for a different financial institution 10 is 100 yen, and two remittance charges can be made for the current month for free.

  Returning to FIG. 3, the authentication processing unit 101 receives an authentication request from the intermediary server 21 and performs an authentication process. There is no limitation on the method of authentication processing. The authentication process is performed by, for example, password authentication, OAuth 2.0, or the like.

  The inquiry unit 102 inquires the fee management DB 106 in response to the inquiry from the intermediary server 21 authenticated by the authentication processing unit 101, and transmits the inquiry result to the intermediary server 21.

  The management unit 103 determines the remittance fee based on the balance of the account held by the customer and the usage status of the financial product, and updates the fee management DB 106. The management unit 103 refers to, for example, the contract management DB 104 to obtain the usage status of the financial product of the customer identified by each customer ID and the balance of the account. The management unit 103 calculates, for example, the points described with reference to FIG. 5 based on the usage status of the financial product acquired from the contract management DB 104 and the balance of the account. The management unit 103 determines, based on the calculated points, the reduction amount of the remittance fee of the customer identified by each customer ID and the number of remittance free times. Referring to FIGS. 4 and 5, for example, the customer specified by the customer ID "AAA" uses financial products of "salary", "utility fee" and "card", and "balance" is 1, Because it is over 60,000 yen, the point is 4 points. As a result, the customer identified by the customer ID "AAA" has a reduction amount of remittance fee of 100 yen, and the number of times the remittance fee can be remitted four times per month. That is, although the customer identified by the customer ID “AAA” is charged the remittance fee after the fifth remittance per month, the remittance fee is reduced by 100 yen. In addition, the customer identified by the customer ID "BBB" does not use any financial products of "salary", "pension", "utility fee", "card" and "investment trust", and the account balance is also Because it is less than 1,000,000 yen, the point is 0 points. As a result, for the customer identified by the customer ID "BBB", the reduction amount of the remittance fee is 0 yen, and the number of times the remittance fee can be remitted for free is zero. The management unit 103 updates the fee management DB 106 based on the determined reduction amount of the remittance fee and the number of remittance free times. For example, by executing such processing in a predetermined cycle (for example, once a day), the management unit 103 may change the balance of the account or the usage condition of the financial product based on the change. Fee management DB 106 can be updated. Further, when the customer remittances once for free of remittance fee, the management unit 103 also performs processing to reduce the “remaining number of times” in the fee management DB 106 by one.

<Processing block of request source device 31>
As illustrated in FIG. 3, the request source device 31 includes a request unit 301, a receiving unit 302, and an output unit 303.

  The request unit 301 requests the intermediation server 21 to log in. The request for login is made by, for example, password authentication using a user ID and a password. If the login is successful, the request unit 301 transmits a proposal request. The proposal request is an instruction for designating a user ID and a remittee account and requesting a proposition of a remittance source account for which the remittance fee is reduced. The proposal request includes a user ID and information for specifying a remittee account. The information identifying the account in the first embodiment is, for example, a pair of a financial institution ID identifying a financial institution and an account number. The financial institution ID is, for example, a unified financial institution code that uniquely identifies the financial institution. The financial institution ID may be a combination of a unified financial institution code and a branch code that uniquely identifies a branch within the financial institution. The request unit 301 is an example of a “request transmission unit”. The user ID is an example of “user information”.

  The receiving unit 302 receives the proposal result from the mediation server 21. The proposal results include a remittance source account candidate for which the remittance fee is low and a remittance fee for remittance from each of the remittance source account candidates. The output unit 303 sorts the received proposal results, for example, in ascending order of remittance fee, and outputs the result to an output means such as a display. The receiving unit 302 is an example of the “result receiving unit”.

  The request unit 301 further accepts specification of a remittance source account by an input unit such as a keyboard from the proposal result output by the output unit 303. The request unit 301 transmits a remittance instruction to the intermediation server 21 so as to perform remittance from the designated remittance source account. The remittance instruction includes information specifying the remittance source account, information specifying the remittance destination account, and the remittance amount. The request unit 301 is an example of the “instruction unit”.

<Processing Block of Mediation Server 21>
As illustrated in FIG. 3, the mediation server 21 includes a reception unit 201, an authentication request unit 202, a proposal unit 203, a remittance processing unit 204, and a user management DB 205.

  The user management DB 205 is a database that manages the correspondence between the user who uses the intermediation server 21 and the account that the user holds in the financial institution 10. FIG. 7 is a diagram showing an example of the correspondence between the user and the account managed by the user management DB 205. As shown in FIG. The correspondence illustrated in FIG. 7 includes columns of “user ID”, “financial institution ID”, and “account number”. The column of “user ID” stores an ID for identifying the user who uses the intermediary server 21. In the “financial institution ID” column, an ID for identifying the financial institution 10 is stored. In the first embodiment, for example, the financial institution ID of the financial institution 10a is "001", the financial institution ID of the financial institution 10b is "002", and the financial institution ID of the financial institution 10c is "003". An account number is stored in the "account number" column. In FIG. 7, for example, the user of user ID "111" is identified by the account of the account number "1111" of the financial institution 10a identified by the financial institution ID "001" and the financial institution ID "002". It can be seen that it holds the account of the account number "2011" of the financial institution 10b. The information stored in the user management DB 205 is registered, for example, at the time of initial registration when the user ID is paid out. Further, the information stored in the user management DB 205 can be changed as needed, for example, by logging in to the intermediary server 21 from the request source device 31. The user management DB 205 is an example of the “storage unit”.

The receiving unit 201 receives a login request from the request source device 31, and performs login processing. If the login is successful, the request source device 31 can request the intermediary server 21 to propose a remittance source account with a low remittance fee. The reception unit 201 receives a proposal request from the request source device 31 that has succeeded in login. The proposal request includes, for example, a user ID, a remittance amount, and a remittee account. The reception unit 201 extracts a user ID from the received proposal request, and passes the extracted user ID to the authentication request unit 202 and the proposal unit 203. The receiving unit 201 is an example of the “receiving unit”.

  The authentication request unit 202 sends an authentication request to the management server 11 to inquire about the remittance fee. The authentication request unit 202 extracts the user ID from the proposal request. The authentication request unit 202 refers to the user management DB 205 to acquire the financial institution ID and the account number associated with the extracted user ID. The authentication request unit 202 acquires the IP address of the management server 11 based on, for example, the correspondence (omitted in the drawing) between the financial institution ID and the IP address of the management server 11. The authentication request unit 202 requests the management server 11 to perform authentication based on the acquired IP address. The authentication is performed, for example, by password authentication or OAuth 2.0 as described above.

The proposing unit 203 inquires of the management server 11 about the remittance fee. The proposing unit 203 refers to the user management DB 205 to acquire the financial institution ID and the account number associated with the user ID passed from the receiving unit 201. The proposing unit 203 acquires the IP address of the management server 11 based on the correspondence (not shown) between the financial institution ID and the IP address of the management server 11. The remittance charge varies depending on, for example, whether or not the remittance source account and the remittee account are the same financial institution (or the same branch), and the remittance conditions such as the remittance amount. Therefore, the proposing unit 203 inquires of the management server 11 for a remittance fee based on the acquired remittance conditions such as the IP address of the management server 11, the account number, and the remittance amount. For example, the intermediary server 21 inquires of the management server 11 of the financial institution, etc. using the application programming interface (API) opened for permitting scraping to obtain information from the website and access from the outside. Can be implemented. The proposal unit 203 determines, based on the result of the inquiry received from the management server 11, one or more remittance source account candidates for which the remittance fee is reduced. The proposing unit 203 notifies the request source device 31 of a proposal result including information indicating the determined remittance source account candidate. The proposing unit 203 is an example of “acquisition unit”, “inquiry unit”, and “transmission unit”. The account number is an example of “remittance destination account information”.

  The remittance processing unit 204 performs remittance processing in accordance with the remittance instruction from the request source device 31. The remittance instruction includes the specification of the remittance source account, the specification of the remittance destination account, and the remittance amount. The remittance processing unit 204 is an example of the “request unit”.

<Processing sequence>
FIG. 8 is a diagram showing an example of a processing sequence of the remittance assistance system 1 according to the first embodiment. In FIG. 8, for example, the case of remittance to the account of the account number "3333" of the financial institution 10c (financial institution ID "003") is illustrated. Hereinafter, with reference to FIG. 8, an example of a processing sequence of the remittance assistance system 1 according to the first embodiment will be described.

  In M1, the management unit 103 of the management servers 11a and 11b updates the fee management DB 106 at a predetermined cycle. That is, the information stored in the fee management DB 106 changes in accordance with the usage status of the financial product of the customer and the balance of the account.

  In OP1, the request unit 301 of the request source device 31 transmits a user ID and a password to the intermediation server 21 to make a login request. Here, for example, it is assumed that “111” is transmitted as the user ID. The accepting unit 201 of the intermediary server 21 executes a login process based on the received user ID and password.

In OP2, the request unit 301 of the request source device 31 that has succeeded in login is the user ID “11
1) and the account number of the remittance destination account, and transmits to the intermediation server 21 a proposal request for requesting a proposal for a remittance source account for which the remittance fee is low. The accepting unit 201 of the intermediation server 21 that has received the proposal request extracts the user ID from the received proposal request, and passes the extracted user ID to the authentication request unit 202 and the proposal unit 203.

  In OP3, the authentication request unit 202 of the intermediation server 21 specifies the financial institution ID and the account number associated with the user ID passed from the reception unit 201 with reference to the user management DB 205. Here, the user ID "111" is designated. For example, when the user management DB 205 is in the state illustrated in FIG. 7, the account number "1111" of the financial institution ID "001" and the account number "2011" of the financial institution ID "002" are specified.

  In OP4, the authentication request unit 202 of the intermediation server 21 requests the management server 11 of the financial institution 10 identified by the financial institution ID identified in OP3 to perform authentication. If the authentication is successful, the proposal unit 203 of the intermediary server 21 inquires of the management server 11 about the remittance fee. The inquiry includes the account number of the remittance source account and the account number of the remittance destination. Here, for the management server 11a of the financial institution 10a (financial institution ID “001”), the remittance source account is the account of the account number “1111” of the financial institution 10a, and the remittance destination account is the financial institution 10c (financial institution ID In the case of the account of the account number "3333" of "003"), the inquiry of the remittance fee is made. In OP5, for the management server 11b of the financial institution 10b (financial institution ID "002"), the remittance source account is the account of the account number "2011" of the financial institution 10b, and the remittance destination account is the financial institution 10c (financial institution ID In the case of the account of the account number "3333" of "003"), the inquiry of the remittance fee is made.

  Here, it is assumed that the contract management DB 104 possessed by the management server 11a of the financial institution 10a (financial institution ID "001") is in the state illustrated in FIG. The contract management DB 104 of the management server 11 b of the financial institution 10 b (financial institution ID “002”) is assumed to be in the state illustrated in FIG. 9. Further, it is assumed that the fee management DB 106 included in the management server 11a of the financial institution 10a (financial institution ID "001") is in the state illustrated in FIG. Further, it is assumed that the fee management DB 106 of the management server 11 b of the financial institution 10 b (financial institution ID “002”) is in the state illustrated in FIG. 10. Here, since the management server 11a and the management server 11b belong to different financial institutions 10, the fee management DB 106 illustrated in FIG. 10 is a condition DB 105 of a content different from the condition DB 105 illustrated in FIG. It is determined based on the condition DB) determined by the engine 10b. In OP6, the inquiry unit 102 of the management server 11a refers to the contract management DB 104 illustrated in FIG. 4 and acquires the customer ID “AAA” associated with the account number “1111” received in OP4. The inquiry unit 102 refers to the fee management DB 106 illustrated in FIG. 6 and acquires information on the remittance fee of the customer specified by the customer ID “AAA” acquired in OP6. Here, since the remittance account is not the account of the financial institution 10a, the inquiry unit 102 can determine that the remittance charge to be applied is an external fee. Therefore, when acquiring the information on the remittance fee, the inquiring unit 102 may not acquire the information on the internal fee. Therefore, in OP6, it is acquired that the external fee is 100 yen and the remaining number of free remittances is two, as the information on the remittance fee. In OP7, the proposal unit 203 of the intermediary server 21 transmits, to the intermediary server 21, the information on the remittance fee acquired in OP6.

In OP8 and OP9, the same processing as OP6 and OP7 is performed by the management server 11b. That is, in OP8, the inquiring unit 102 of the management server 11b refers to the contract management DB 104 illustrated in FIG. 9 and acquires the customer ID "ZZZ" associated with the account number "2011" received in OP5. . Referring to the fee management DB 106 illustrated in FIG. 10, the inquiry unit 102 acquires information on the remittance fee of the customer specified by the customer ID “ZZZ” acquired in OP8. That is, in OP8, it is acquired that the external fee is 100 yen and the remaining number of free remittances is 0 as information on the remittance fee. In OP9, the proposal unit 203 of the intermediary server 21 transmits, to the intermediary server 21, information on the remittance fee acquired in OP8.

  In OP10, the proposal unit 203 of the intermediation server 21 transmits a remittance charge for each remittance source account based on the information on the remittance charge received in OP7 and OP9. As noted above, external fees apply to remittances from any source account. Therefore, when the proposing unit 203 compares the external fee of the received information on the remittance fee, as described above, assuming that the account of the financial institution 10a is the remittance source account, it becomes 0 yen, but the remittance source account of the financial institution 10b becomes the remittance source account. It will be 100 yen if it assumes. In addition, at the financial institution 10a, the remaining number of free remittances remains twice. Therefore, the proposing unit 203 includes a combination of financial institution ID “001”, account number “1111”, external fee “0 yen”, number of remaining free remittances “2”, financial institution ID “002”, account number “ The request result is transmitted to the request source device 31. The proposal result includes the information set of “2011”, the external fee “100 yen”, and the remittance free remaining number “0”.

  In OP11, the output unit 303 of the request source device 31 outputs the proposal result received in OP10 to, for example, a display connected to the request source device 31. For example, as illustrated in FIG. 11, the output unit 303 may output to the display in order from the remittance source account where the remittance fee is reduced. The user of the request source device 31 selects a remittance source account based on the information output to the display. In OP12, the request source device 31 transmits a remittance instruction to the intermediation server 21 so as to perform remittance from the remittance source account selected by the user of the request source device 31. The remittance instruction includes, for example, information specifying the remittance source account, information specifying the remittance destination account, and the remittance amount. Here, a financial institution ID "001" and an account number "1111" are designated as information for identifying a remittance source account, and a financial institution ID "003" and an account number "3333" are designated as information for identifying a remittance destination account. Shall be In addition, it is assumed that 10,000 yen is designated as the remittance amount.

  In OP13, the remittance processing unit 24 of the intermediation server 21 extracts the financial institution ID "001" and the account number "1111" as information for specifying the remittance source account from the remittance instruction received in OP12. Further, the remittance processing unit 24 extracts the financial institution ID “003” and the account number “3333” as the information for specifying the remittee account from the remittance instruction received at OP 12 and extracts the remittance amount of 10,000 yen. Do. The remittance processing unit 24 transmits the financial institution ID "003" to the financial institution ID "003" from the account specified by the financial institution ID "001" and the account number "1111" to the management server 11a of the financial institution 10a (financial institution ID "001"). Request to remit 10,000 yen to the account specified by the number "3333". In OP14, according to the request received in OP13, the management server 11a is identified by the financial institution ID "003" and the account number "3333" from the account identified by the financial institution ID "001" and the account number "1111". Send 10,000 yen to the account.

  When authentication between the intermediary server 21 and the management server 11 in OP 4 is performed by OAuth 2.0, for example, when the intermediary server 21 makes an inquiry or processing request to the management server 11, Also, it is sufficient to transmit the token acquired at the time of OAuth 2.0 authentication together.

<Effect of First Embodiment>
In the first embodiment, the management server 11 manages the usage status of financial products by each customer by the contract management DB 104. The management server 11 updates the fee management DB 106 based on the usage status of the financial products by each customer managed by the contract management DB 104. The fee management DB 106 is updated at predetermined intervals. Therefore, the remittance fee changes based on the usage status of the financial product by the customer. In the first embodiment, when receiving the proposal request from the request source device 31, the intermediation server 21 acquires from the user management DB 205 the financial institution ID and the account number of the account held by the user who has made the proposal request. The intermediation server 21 inquires of the management server 11 of the financial institution 10 specified by the acquired financial institution ID for a remittance fee. The information indicating the remittance fee acquired by the inquiry is transmitted from the intermediation server 21 to the request source device 31, and displayed on the display of the request source device 31, for example. Therefore, according to the first embodiment, even if the remittance fee changes due to a change in the usage condition of the financial product used by the customer, the intermediary server 21 receives the remittance fee at the time when the request source device 31 makes a proposal request. Can present information that

  In the first embodiment, the request source device 31 displays the information indicating the received remittance charge in order from the remittance source account where the remittance charge is reduced. Therefore, according to the first embodiment, it is possible to easily identify the remittance source account for which the remittance fee is low.

<Modification>
In the first embodiment, the remittee account is specified by a pair of financial institution ID and account number. However, the remittee account may be identified by other means. For example, when the holder of the remittee account uses the intermediary server 21, instead of the combination of the financial institution ID and the account number, the user ID of the holder of the remittee account may be used. . The mediation server 21 can specify an account based on the user ID, as described based on FIG. 7. Therefore, it is possible to specify the remittance destination account by the user ID of the holder who holds the remittance destination account. In this case, the intermediation server 21 may replace the account number of the remittee account with the user ID of the holder of the remittee account among the proposal results and transmit it to the request source device 31. Also, in this case, when displaying the output screen illustrated in FIG. 11, the request source device 31 replaces the information of the remittee account with the pair of the financial institution ID and the account number, and sets the account as the remittee. You may display the user ID of the owner who holds it. By not displaying the financial institution ID or the account number as the information of the remittance destination, the privacy of the holder of the remittance account can be protected. Furthermore, not the user ID, but the public ID associated with the user ID may be used instead of the combination of the financial institution ID and the account number. The public ID is an ID that can not be used to log in to the intermediary server 21. The intermediary server 21 can specify an account by the user ID associated with the public ID. By using the disclosure ID, security is improved because it is not necessary to teach another user the user ID used for login.

  Furthermore, flag information indicating whether or not it may be used as a remittance source account may be added to the user management DB 205. Further, when the remittance destination account is designated by the user ID of the holder of the remittance destination account, flag information indicating whether or not it may be used as the remittance destination account may be added to the user management DB 205 . In this case, an account with a flag set not to use as a remittance source account is removed from the remittance source account, and an account set with a flag not to be used as a remittance destination account is excluded from the destination account. With this configuration, remittance from an account not desired for use as a remittance source account or remittance for an account not desired for use as a remittance destination account is suppressed. The flag information indicating whether or not to be used as a remittance source account is an example of “remittance source permission information”. The flag information indicating whether or not it may be used as a remittance destination account is an example of “remittance destination permission information”.

  In the first embodiment, the intermediary server 21 transmits not only the remittance source account with the lowest remittance fee but also information on other remittance source accounts to the request source device 31. However, for example, the intermediary server 21 may transmit only the information on the remittance source account with the lowest remittance fee to the request source device 31.

In the first embodiment, when the request source device 31 receives the information on the remittance source account from the intermediary server 21, it outputs not only the remittance source account with the lowest remittance fee but also information on the other remittance source account to the display. However, the request source device 31 may output, to the display, only the information of the remittance source account for which the remittance fee is the lowest among the received information of the remittance source account.

  In the first embodiment, the intermediary server 21 acquires, from the management server 11, information indicating the remittance fee of each remittance source account. However, in addition to the information indicating the remittance charge of each remittance source account, the intermediation server 21 may acquire information such as the balance of each remittance source account and the conditions relating to the remittance. The conditions relating to the remittance are, for example, the time required for remittance and the remittance limit. The time required for remittance is, for example, real-time remittance is possible if remittance within the same financial institution, remittance to other financial institutions in Japan is the next business day, remittance to overseas financial institutions Then it takes a few days. Moreover, depending on the financial institution, the remittance limit that can be remitted at one time may be different. The intermediary server 21 transmits the acquired information to the request source device 31. The request source device 31 may display the information acquired from the mediation server 21 on the output screen illustrated in FIG. With such a configuration, the user can determine the remittance source account in consideration of the balance of the account and the conditions relating to the remittance.

  In the first embodiment, one account is designated as the remittee account, but a plurality of remittee accounts may be designated. For example, designation of a plurality of remittance destination accounts may be performed by designating a plurality of account numbers or designating user IDs associated with a plurality of accounts. When a plurality of remittance destination accounts are designated, the intermediary server 21 may obtain information indicating a remittance fee for each combination of the remittance source account and the remittance destination account.

  In the first embodiment, as exemplified in FIG. 11, the proposal results are output in the order of the lowest remittance fee. However, the output of the proposal result is not limited to the method of outputting in ascending order of remittance fee. The intermediary server 21 stores, for example, the number of times each account has been used as a remittance source account, and when there are a plurality of remittance source accounts having the same remittance fee, a remittance source account with a large number of usage times is used. It may be output with priority.

  In the first embodiment, the inquiry of the remittance fee sent from the intermediary server 21 to the management server 11 includes the designation of the remittee account. However, the remittance fee inquiry may not include the designation of a remittance account. In this case, the intermediary server 21 receives both the external fee and the internal fee from the management server 11. The intermediary server 21 remits the remittance source account and the remittance, based on whether the financial institution ID included in the account information identifying the remittance source account matches the financial institution ID included in the account information identifying the remittance destination account. It is determined whether or not the first account is the same financial institution 10 account. The mediation server 21 may transmit information conforming to the determination to the request source device 31.

  In the first embodiment, the remittance charge fluctuates depending on whether or not the remittance source account and the remittance destination account are the same financial institution. However, the remittance fee may vary when the remittance source account and the remittance account are the same financial institution or when the branch offices are different. Also, the remittance fee may vary depending on, for example, the remittance amount. The request source device 31 may include information indicating remittance conditions at the time of remittance in the proposal request. The information indicating the remittance conditions may include, for example, information specifying a remittee account and indicating a financial institution or branch to which the remittee account belongs, or a remittance amount. The intermediary server 21 can confirm the remittance charge according to the remittance conditions by receiving the proposal request including the information indicating the remittance conditions. The information indicating the remittance conditions is an example of the “remittance condition information”.

In the first embodiment, as illustrated in FIG. 5, the reduction amount of the remittance charge and the number of remittance free times change according to the accumulated points according to the usage status of the financial product. However, the reduction in remittance charge and the change in the number of free remittances are not limited to those due to the accumulated number of points. For example, the reduction amount of the remittance fee and the number of remittance free times may change depending on the stage to which the user A belongs. For example, the stage may be promoted according to the accumulated point number, or the stage may be promoted when a predetermined condition (for example, a mortgage loan contract, use as a payroll reception account) is satisfied.

  In the first embodiment, one point is added each time the use of a financial product is increased by one in the contract management DB 104. That is, in the first embodiment, points to be added for all financial instruments are set equal. However, the points to be added may be set differently for each financial product. For example, when an investment trust is contracted, 3 points may be added, 2 points may be added when using an account for payroll, and 1 points may be added when using an account for paying a utility fee. Furthermore, for example, when a mutual fund is contracted, the remittance fee may be free regardless of the current points.

  In the first embodiment, the condition DB 105 manages the reduction amount of the remittance fee according to the accumulated points and the number of times the remittance fee becomes free per month. The information managed by the condition DB 105 is not limited to this, and the reduction amount of the remittance fee according to the accumulated points may be managed without managing the number of free remittance fees. As a result of the reduction amount of the remittance charge becoming larger according to the accumulated points, the remittance charge may become free.

  In the first embodiment, the intermediary server 21 proposes a remittance source account with a low remittance fee, but the proposed content is not limited to the remittance source account. The intermediary server 21 acquires, for example, the point information held by the user and the information stored in the condition DB 105 from the management server 11, and based on the acquired point information and the information stored in the condition DB 105, a remittance fee is The conditions that can be further reduced may be detected, and the detected conditions may be presented. For example, when the intermediary server 21 detects that the remittance fee is further reduced by the points added by contracting the credit card issued by the financial institution, the remittance fee is further reduced by contracting the credit card. The user may be suggested what can be done.

  The embodiments and modifications disclosed above can be combined with each other.

<< computer readable recording medium >>
An information processing program that causes a computer or other machine or device (hereinafter referred to as a computer or the like) to realize any of the functions described above can be recorded on a recording medium readable by the computer or the like. Then, the function can be provided by causing a computer or the like to read and execute the program of the recording medium.

Here, a recording medium readable by a computer etc. is a recording medium which can store information such as data and programs electrically, magnetically, optically, mechanically or chemically and read from a computer etc. Say Among such recording media, those removable from a computer etc. are, for example, flexible disks, magneto-optical disks, Compact Disc Read Only Memory (CD-ROM), Compact Disc-Recordable (CD-R), Compact Disc-ReWriterable (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, memory cards such as flash memory, and the like. Further, as a recording medium fixed to a computer or the like, there is a hard disk, a ROM or the like.

DESCRIPTION OF SYMBOLS 1 ... remittance assistance system 10, 10a, 10b, 10c ... financial institution 11, 11a, 11b, 11c ... management server 20 ... intermediation trader 21 ... intermediation server 31 ... request origin apparatus 101 ··· Authentication processing unit 102 ··· Inquiry unit 103 ··· Management unit 104 ··· Contract management DB
105: Condition DB
106 ... fee management database
201 ... reception unit 202 ... authentication request unit 203 ... proposal unit 204 ... remittance processing unit 205 ... user management DB
301: Request unit 302: Reception unit 303: Output unit 500: Information processing device 501: CPU
502: Main storage unit 503: Auxiliary storage unit 504: Communication unit B1: Connection bus

Claims (15)

A storage unit that identifies an account held by a user and stores a correspondence between account information including information identifying a financial institution that manages the account and user information identifying the user;
Accepting means for accepting a proposal request including specification of the user information from a request source device;
Acquisition means for acquiring the account information associated with the user information included in the proposal request with reference to the correspondence relationship;
The remittance fee for remittance from the account specified by the acquired account information is inquired to the management server of the financial institution specified by the account information, and the remittance fee for remittance from the account specified by the account information is included. Query means for obtaining query results,
And transmission means for transmitting the inquiry result acquired from the management server to the request source device.
Information processing device. The remittance fee varies according to the remittance conditions at the time of remittance,
The proposal request includes remittance condition information indicating the remittance conditions;
The inquiry means inquires of the management server about a remittance fee according to the remittance conditions.
An information processing apparatus according to claim 1. The remittance conditions include whether or not the remittance source account and the remittance destination account belong to the same group,
The proposal request includes, as the remittance condition information, remittance account information specifying a remittance account to be a remittance destination and specifying a group to which the remittance account belongs.
The inquiry means inquires of the management server about a remittance fee to an account belonging to a group specified by the remittance destination account information.
The information processing apparatus according to claim 2. The remittance conditions include the remittance amount,
The proposal request includes a remittance amount to be remitted as the remittance condition information;
The inquiry means inquires of the management server about a remittance fee for remittance of the money of the remittance amount.
The information processing apparatus according to claim 2. The remittance destination account information includes user information of a holder who holds the remittance destination account,
The acquisition means acquires account information associated with user information included in the remittance destination account information with reference to the correspondence relationship.
The information processing apparatus according to claim 3. The correspondence relationship further includes remittance destination permission information indicating whether or not the account information may be used as a remittance destination account,
The acquisition means may be account information associated with user information included in the remittee account information with reference to the correspondence relationship, and the remittee permission information may be used as a remittee account. Get account information indicating
The information processing apparatus according to claim 5. The correspondence relationship further includes remittance source permission information indicating whether or not the account information may be used as a remittance source account,
The acquisition means acquires account information indicating that the remittance source permission information may be used as a remittance source account.
The information processing apparatus according to any one of claims 1 to 6. The transmission means replaces the account information included in the inquiry result with the user information of a holder who holds the account specified by the account information, and transmits the inquiry result.
The information processing apparatus according to claim 3. The inquiry result includes the balance of the account specified by the account information.
The information processing apparatus according to any one of claims 1 to 8. The transmission means transmits, to the request source device, information for specifying a remittance source account with the lowest remittance fee among the acquired inquiry results.
The information processing apparatus according to any one of claims 1 to 6. It has a storage means for specifying the account held by the user and storing the correspondence between the account information including the information specifying the financial institution that manages the account and the user information specifying the user. The information processing apparatus
Accept a proposal request including specification of the user information from a request source device;
The plurality of pieces of account information associated with the user information included in the proposal request are acquired with reference to the correspondence relationship,
Regarding the acquired account information, the remittance fee for remittance from the account specified by the account information is inquired to the management server of the financial institution specified by the account information, and the money is transferred from the account specified by the account information Get the result of the inquiry including the remittance fee of
Sending the query result acquired from the management server to the request source device;
Information processing method. It has a storage means for specifying the account held by the user and storing the correspondence between the account information including the information specifying the financial institution that manages the account and the user information specifying the user. In the information processing apparatus,
Have the proposal request including specification of the user information be accepted from the request source device,
The account information associated with the user information included in the proposal request is acquired with reference to the correspondence relationship,
Regarding the acquired account information, the remittance fee for remittance from the account specified by the account information is inquired to the management server of the financial institution specified by the account information, and the money is transferred from the account specified by the account information Get the result of the inquiry including the remittance fee of
Having the request source device transmit the inquiry result acquired from the management server;
Information processing program. An information system including an information processing apparatus and a request source apparatus,
The information processing apparatus is
A storage unit that stores, for an account held by a user, a correspondence between account information that specifies the account and information that specifies a financial institution that manages the account and user information that specifies the user;
Accepting means for accepting a proposal request including specification of the user information from the request source device;
Acquisition means for acquiring the account information associated with the user information included in the proposal request with reference to the correspondence relationship;
With regard to the acquired account information, the management server of the financial institution specified by the account information is inquired about the remittance fee for transferring money from the account specified by the account information;
An inquiry means for acquiring an inquiry result including a remittance charge for remittance from the account specified by the account information;
Transmission means for transmitting the inquiry result acquired from the management server to the request source device;
The requesting device is
Request transmission means for transmitting a proposal request including designation of the user information to the information processing apparatus;
Result receiving means for receiving the query result;
Outputting means for arranging and outputting the account information included in the received inquiry result in ascending order of the remittance fee;
Information system. The output unit outputs the account information with the lowest remittance fee among the plurality of pieces of account information included in the inquiry result according to a specification from the user.
An information system according to claim 13. The request source device receives a designation of account information to be used as a remittance source account among the account information output by the output unit, and transmits a remittance instruction including designation of the designated account information and a remittance destination account. The information processing apparatus further comprises instruction means for transmitting
The information processing apparatus is
When the remittance instruction is received, the account specified by the account information included in the remittance instruction is sent to the management server of the financial institution specified by the account information included in the remittance instruction as the remittance source account. It further comprises request means for requesting remittance to the prior account,
An information system according to claim 13 or 14.

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