JP2020095711A - Information processing device, information processing method, and information processing program - Google Patents

Abstract

To provide an information processing device capable of facilitating asset management, an information processing method, and an information processing program.SOLUTION: An information processing device comprises a reception unit, a deposit unit, and a payment unit. The reception unit receives a deposit to electronic money from a user. The deposit unit deposits an amount of the electronic money received by the reception unit in a management account opened for each user, and subtracts the amount deposited in the management account from the balance of the electronic money of the user. The payment unit exchanges a deposit of the management account for electronic money, and adds the amount exchanged from the deposit of the management account to the electronic money to the balance of the electronic money.SELECTED DRAWING: Figure 3

Description

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

Conventionally, there is a technique of giving a deposit interest rate to a card balance of an IC card held by a user, similarly to the balance of a bank account of the user (for example, see Patent Document 1). With such technology, the user can benefit from both the points and the deposit interest rate obtained by using the IC card.

JP, 11-338946, A

However, the above technique has room for improvement in terms of facilitating user asset management. That is, in the above technology, the deposit interest rate is given to the ordinary deposit. Generally, interest on savings accounts is low, and it is difficult for users to realize that assets have increased. Further, when a user purchases a time deposit or a financial product to perform asset management, he/she may hesitate to purchase the time deposit or the financial product because of troublesome procedures.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program that can facilitate asset management.

The information processing device according to the present application includes a receiving unit and a deposit unit. The reception unit receives a deposit for electronic money from a user. The deposit unit deposits the amount of electronic money accepted by the accepting unit into an operational account opened for each user.

According to the aspect of the embodiment, it is possible to facilitate the asset management of the user.

FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the information processing system according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of the information processing device according to the embodiment. FIG. 4 is a diagram showing an example of a user information table according to the embodiment. FIG. 5 is a diagram showing an example of an asset information table according to the embodiment. FIG. 6 is a diagram illustrating a specific example of processing by the distribution unit. FIG. 7A is a diagram showing an example of the notification screen. FIG. 7B is a diagram showing an example of a screen showing a breakdown of assets. FIG. 7C is a diagram showing an example of a selection screen for financial products. FIG. 7D is a diagram showing an example of a purchase screen. FIG. 8 is a flowchart showing a processing procedure executed by the information processing apparatus according to the embodiment. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing device according to the embodiment.

Hereinafter, modes (hereinafter, referred to as “embodiments”) for implementing an information processing device, an information processing method, and an information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description will be omitted.

[1. Information processing]
First, an example of information processing performed by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to the embodiment.

The information processing apparatus illustrated in FIG. 1 is a server that manages electronic money for each user, and when a user makes an electronic money payment at a store, performs a payment process of paying an amount corresponding to the payment amount to the store. That is, the information processing device functions as a wallet for each user on the Internet.

When the information processing device receives a deposit for electronic money from the user (step S1), the information processing device executes a deposit process for depositing an amount of electronic money into the user's operating account (step S2). Here, the operational account indicates a deposit product provided by each financial institution such as a bank ordinary deposit, a fixed deposit, a structured deposit, and the like.

That is, the electronic money deposited by the user in the information processing device is automatically transferred to the management account as cash by the information processing device. As a result, the amount of electronic money held by the user is managed by the financial institution (step S3).

In particular, when the investment account is a structured deposit account, the deposit interest rate is higher than that of ordinary bank savings accounts, and the investment account has a relatively high interest rate. Therefore, the user can enjoy many merits from the viewpoint of asset management, rather than holding as cash.

However, some users may consider the procedure of opening the management account to be troublesome or the work of depositing/withdrawing the management account to be troublesome. Therefore, the information processing apparatus can acquire the personal information necessary for opening an operation account from the user and open the operation account for the user online. It should be noted that the information processing apparatus can also perform the deposit process to the operation account when the user has already opened the operation account.

In addition, the information processing apparatus acquires the deposit balance of the management account from the financial institution in a predetermined cycle (for example, every day) and notifies the user of the deposit balance of the management account as the electronic money balance (step S4). That is, although the money is actually managed in the management account separately from the electronic money, the user sees the deposit balance of the management account as the balance of the electronic money.

Then, when interest is distributed to the management account by the financial institution, the user can feel that the balance of the electronic money is increasing. As a result, it is possible to prompt the user to deposit electronic money.

Then, when the user purchases a product at the store using electronic money settlement (step S5), the store terminal notifies the information processing device of the settlement request (step S6). In response to the settlement request, the information processing device performs a withdrawal process of exchanging a necessary amount from the operation account to electronic money and withdrawing it (step S7), and a settlement process of transferring the amount to the account of the store terminal (step S8). ..

That is, the user can make the electronic money settlement without being aware of the deposit/withdrawal process for the operation account. That is, the user can make electronic money payment in the same manner as existing electronic money.

In this way, the information processing device acts as an intermediary for electronic money settlement and deposits and withdrawals to and from the operating account on behalf. As a result, the user can operate the electronic money simply by depositing the electronic money.

Therefore, according to the information processing apparatus according to the embodiment, the user's asset management can be facilitated. In addition, the user can make an electronic money payment using the operating profit obtained from the operating account or the deposited electronic money itself. That is, by improving the convenience of electronic money, it becomes possible to promote the use of electronic money to the user.

As a result, the information processing apparatus can also mediate asset management by purchasing financial products such as investment trusts, stocks, and foreign exchange transactions (FX) using the balance of the management account and the electronic money itself. However, this point will be described later.

[2. Information processing system]
FIG. 2 is a diagram illustrating an example of the configuration of the information processing system according to the embodiment. As illustrated in FIG. 2, the information processing system 100 according to the embodiment includes an information processing device 1, a plurality of terminal devices 2-1 to 2-n (n is an integer of 2 or more), and a plurality of store terminals 3-. 1 to 3-m (m is an integer of 2 or more), a bank server 4, and an investee server 5. The bank server 4 is a server of a bank in which the above-mentioned operational account is opened. The investee server 5 is a server that provides various financial products.

The information processing device 1, the plurality of terminal devices 2-1 to 2-n, the plurality of store terminals 3-1 to 3-m, the bank server 4 and the investee server 5 are wired or wireless to each other via the network 6. Connected communicatively. The network 6 is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network) such as the Internet. The terminal devices 2-1 to 2-n are operated by the users U-1 to U-n.

In the following, when each of the terminal devices 2-1 to 2-n is shown without distinction, it is referred to as the terminal device 2. When each of the store terminals 3-1 to 3-m is shown without distinction, it is described as the store terminal 3, and when each of the users U-1 to U-n is shown without distinction, it is described as user U. To do.

The terminal device 2 is a terminal device of the user U, and is a smart device (communication terminal) such as a smartphone, a tablet terminal, a PDA (Personal Digital Assistant), and a personal computer. The terminal device 2 can execute various applications such as an application provided by the operator of the information processing device 1 and a browser. The terminal device 2 can access the information processing device 1 via the network 6 and deposit the electronic money. In addition, the user U can make electronic money payment and refund the operating account using the terminal device 2.

The user U can also increase the balance of electronic money by purchasing a prepaid voucher such as a prepaid card that can be used via the network 6. The difference added to the prepaid certificate will be treated as a privilege. The privilege is given as so-called points.

Other benefits include points awarded based on the purchasing behavior performed by the user U at a specific store (hereinafter referred to as a member store). The points here include the points given by the credit card company when the payment is made using the credit card, the points given for the purchase of the product itself, and the like. The information processing device 1 can also purchase the investment product of the department by using the privilege.

The points based on the purchase behavior of the user U are returned to the user U with respect to the purchase behavior, and the points in the prepaid certificate include the difference due to the user U purchasing the prepaid certificate. Will be given as points.

The store terminal 3 is a terminal installed in a store where electronic money can be settled, that is, a member store. When the user U purchases a product, the store terminal 3 can make online payment by accessing the information processing device 1 via the network 6.

The bank server 4 is a so-called online bank server, and it is possible to obtain a profit by consolidating the funds deposited in each operation account and making an investment. A part of the profit is distributed to the operation account of each user U as interest according to the balance of each operation account and the operation period. The bank server 4 can realize a relatively high yield by allowing the artificial intelligence (AI) to learn big data aggregated in each service operated by the information processing device 1 and determining an investment destination. ..

The bank server 4 applies a so-called deposit insurance system that guarantees the principal of the money deposited in the operating account. Therefore, it can be said that the operating account is a financial product of the assets with guaranteed principal.

The investee server 5 is a server that provides various financial products. The investee server 5 provides various financial products for the electronic money of the user U managed by the information processing device 1. The financial products provided by the investee server 5 include government bonds, investment trusts, securities, foreign currency transactions, foreign currency deposits, and the like. The investee server 5 may be operated by one securities company or may be operated by a different company depending on the financial product.

[3. Information processing device]
FIG. 3 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. As shown in FIG. 3, the information processing device 1 includes a communication unit 10, a storage unit 11, and a control unit 12 (controller). Hereinafter, the communication unit 10, the storage unit 11, and the control unit 12 will be specifically described.

[3.1. Communications department]
The communication unit 10 is a communication interface that transmits and receives information to and from the network 6. The control unit 12 can send and receive various kinds of information to and from the respective units via the communication unit 10 and the network 6.

[3.2. Storage unit]
The storage unit 11 has a user information DB 20 and an asset information DB 21. The storage unit 11 is, for example, a semiconductor memory device such as a flash memory, or a storage device such as an HDD or an optical disk.

[3.2.1. User information DB]
The user information DB 20 has a user information table including a plurality of pieces of user information that is information about the user U. The user U is a user of a service provided by a business operator who operates and manages the information processing device 1. The service provided by the business operator is an online service that provides the service to the user U online, and includes, for example, an electronic commerce service provided by an electronic commerce site, an auction service provided by an auction site, and a video distribution site. Includes video distribution services provided by, news distribution services provided by news sites, etc.

FIG. 4 is a diagram showing an example of a user information table according to the embodiment. The user information table 41 shown in FIG. 4 is information in which various types of personal information such as a “user ID”, a “name”, an “address”, a “sex”, an “age”, and an “operating account” are associated with each other.

The “user ID” is identification information of the user U. The user ID is an account of the user U for the online service described above. The user ID may be any information that identifies the user U, and the identification information of the terminal device 2 used by the user U may be used as the user ID. For example, the user ID may be identification information specified by an HTTP (Hypertext Transfer Protocol) cookie.

“Name” indicates the name of the user U, and “address” indicates the address of the user U. Moreover, "sex" shows the sex of the user U, and "age" shows the age of the user U. Based on this information, the above-mentioned management account is opened. The “management account ID” is identification information of the management account.

Further, only the user ID is given to the user U for whom the personal information is not registered.

[3.2.2. Asset information DB]
The asset information DB 21 has an asset information table that includes a plurality of asset information that is information about assets for each user U. The assets here refer to the assets of the user U managed on the service side provided by the business operator who operates and manages the information processing device 1.

FIG. 5 is a diagram showing an example of an asset information table according to the embodiment. The asset information table 42 shown in FIG. 5 is information relating to the deposit/withdrawal history for each type of asset held by the user, and “date/time”, “money type”, “operating destination”, and “total asset” are associated with each other. Information.

The "date and time" indicates the date and time when the assets of the user U have changed, the "money type" indicates the type of electronic money held by the user U, and is roughly classified into "electronic money" and "privilege". ..

“Electronic money” corresponds to the balance of the operating account of the user U. The privilege is equivalent to the point balance given based on the purchase behavior of the user U, or the difference between the prepaid voucher such as the prepaid card purchased by the user U. The user U can make electronic money payment using both electronic money and a privilege. In addition, 1 yen of electronic money and 1 point of privilege have the same value.

“Operating destination” indicates a financial product that the user U purchased using electronic money or a privilege as a fund. In the example shown in FIG. 5, a case is shown where "government bonds", "investment trusts", "FX", etc. are included as "management destinations". “Total assets” indicates the total amount of all the assets owned by the user U.

In the example shown in FIG. 5, 3000 yen of electronic money is settled in “2018 3/16”, and the investment gain of the investment trust is added to “2018 3/17” in addition to “+125 yen”. , "12 points" are added to the investment trust investment gain.

[3.3. Controller)
The control unit 12 includes, for example, a microcomputer having a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory), an input/output port, and various circuits.

As shown in FIG. 3, the control unit 12 includes a reception unit 30, a distribution unit 31, a deposit unit 32, a withdrawal unit 33, a payment processing unit 34, a purchase processing unit 35, and a notification unit 36. Equipped with. The functions of the reception unit 30, the distribution unit 31, the payment unit 32, the withdrawal unit 33, the payment processing unit 34, the purchase processing unit 35, and the notification unit 36 are, for example, the CPU of the control unit 12 having the RAM and the ROM of the control unit 12. , Or by reading and executing the program stored in the storage unit 11.

The accepting unit 30, the allocating unit 31, the depositing unit 32, the dispensing unit 33, the payment processing unit 34, the purchase processing unit 35, and the notifying unit 36 are partially or wholly ASIC (Application Specific Integrated Circuit) or FPGA. It may be configured by hardware such as (Field Programmable Gate Array).

When the user U makes an electronic money payment at the store, the control unit 12 performs a payment process of paying an amount of money according to the payment amount to the store, and mediates various operations of the asset deposited by the user U into the electronic money. ..

[3.3.1. Reception part)
The accepting unit 30 accepts payment of electronic money from the user U. For example, the reception unit 30 can receive payment to electronic money by an account charge in which cash is charged from the bank account of the user U, a store charge in which the user U pays cash at a store such as a convenience store, or the like.

In addition, for example, in the service operated by the information processing device 1 (such as an online auction and an online flea market), the receiving unit 30 can also receive the profit earned by the user U as a deposit into electronic money.

[3.3.2. Distribution unit)
The distribution unit 31 allocates operation destinations according to the types of assets held by the user U. FIG. 6 is a diagram showing a specific example of processing by the distribution unit 31. Note that, here, a case will be described in which the user U receives a bonus of 200 points for the case of depositing 5000 yen of cash into the electronic money as it is and for the purchase of a prepaid voucher for 5000 yen. Note that the privilege is also granted when the user U purchases at a member store as described above.

As shown in FIG. 6, when the user U deposits 5000 yen into the electronic money, the electronic money increases by 5000 yen. In this case, the distribution unit 31 distributes the electronic money of 5000 yen to the management account as a management destination, and distributes the 200 points privilege for the electronic money of 5000 yen to the investment product as a management destination. As described above, investment products are investment products for which principal is not guaranteed, and principal bonds guaranteed government bonds and corporate bonds are excluded. It should be noted that the investment gains and sale gains of investment products are treated in the same manner as benefits, but it is also possible to deposit them into the investment account.

Similarly, when the user U purchases a prepaid voucher for 5000 yen, the distribution unit 31 allocates the operation destination for 5000 yen to the operation account in the same manner as the above-mentioned electronic money 5000 yen, and deposits the electronic money. At this time, with respect to the 200 points given as a privilege, the investment destination is allocated to the investment product.

In the management account, it is possible to earn interest depending on the deposit balance and management period. Furthermore, the distribution unit 31 can also distribute various financial products as the management destination of the deposit balance of the management account of the user U. In this case, the user U can purchase all financial products including investment products by using the deposit balance of the management account. That is, the distribution unit 31 does not particularly specify the management destination of the balance of the management account.

Further, the operating profit distributed to the user U according to the purchase of various financial products and the selling profit of various financial products are deposited in the operating account. It should be noted that the distribution unit 31 can also directly distribute electronic money to government bonds, corporate bonds, and investment trusts as an investment destination, without going through an operation account. However, in this case, an upper limit is set for the transaction amount per day, and the user U cannot perform transactions exceeding the upper limit. On the other hand, the above-mentioned upper limit of the transaction amount can be eliminated by mediating the operation account.

That is, the user U can increase the transaction amount that can be transacted per day by purchasing various financial products through the operation account. Therefore, once the management destination of electronic money is transferred to the management account, interest can be automatically obtained, and various financial products can be purchased in excess of the transaction amount limit set for electronic money. It will be possible.

In this way, the distribution unit 31 distributes the operation destinations according to the type of money, so that all the currencies available on the network 6 can be used for the asset management of the user U. Also, the user U can carry out risk hedging by purchasing different investment products according to the type of money.

Note that the distribution unit 31 may treat all the prepaid vouchers as a privilege for the user U who does not have an operating account.

It should be noted that the distribution unit 31 may distribute the operation destinations of the electronic money so that only financial products whose principals are guaranteed can be purchased in consideration of the balance with the operation destinations of the benefits. .. Further, generally, the privilege has a usable valid period, but the valid period can be extended for the period in which the privilege is operated. Further, the expiration date may be reset when the investment product is sold and becomes a privilege. Furthermore, it is possible to deposit the operating profit of the privilege and the selling profit to the operating account of the user U. In this case, it is also possible to refund the user U with the operating profit and the selling profit as cash.

[3.3.3. Deposit Department)
The deposit unit 32 deposits the amount of electronic money accepted by the accepting unit 30 into an operational account opened for each user U. For example, the deposit unit 32 withdraws the amount of electronic money from the account of the company that operates the information processing apparatus 1 and deposits the amount of electronic money into the operating account to deposit the amount of electronic money into the operating account of the user U. You can That is, when the user U deposits the electronic money, the amount of the electronic money is automatically deposited in the management account. As a result, interest corresponding to the operation period is given to the operation account.

Further, the deposit unit 32 subtracts the electronic money balance of the user U according to the amount of money deposited in the operation account. Thereby, the property of the user U can be appropriately managed.

[3.3.4. Withdrawal department]
The withdrawal unit 33 withdraws a specified amount of money from the management account as electronic money. The withdrawal unit 33 exchanges a necessary amount from the operation account to the electronic money when the user U requests the withdrawal of electronic money held by the user U or when the user U makes an electronic money payment. Can be withdrawn.

At this time, when the withdrawal unit 33 withdraws the specified amount of money from the operation account and deposits it into the bank account, the withdrawal process of converting to electronic money may be omitted when withdrawing. That is, the withdrawal unit 33 can also perform the remittance procedure of directly remitting money from the operation account to the designated bank account.

The withdrawal unit 33 can also withdraw the balance of the management account as electronic money after once refunding the amount obtained by selling the financial product or investment product held by the user U to the management account. .. As a result, the liquidity of the assets held by the user U can be secured.

When the management account is a time deposit account, the deposit unit 32 deposits money into the time deposit, and when the management account is the time deposit, the withdrawal unit 33 cancels the time deposit to obtain electronic money. It will be pulled out.

In this way, by depositing and canceling the fixed deposit on behalf of the user U on behalf of the user U, the asset management of the user U can be facilitated while ensuring the liquidity of the asset of the user U.

In addition, when the withdrawal unit 33 withdraws electronic money from the operation account, the withdrawn amount is added to the electronic money balance of the user U. Thereby, the property of the user U can be appropriately managed.

[3.3.5. Payment processing section]
The payment processing unit 34 withdraws a necessary amount from the operating account to the electronic money via the withdrawal unit 33 when performing payment with the electronic money of the user U and performs the payment processing. When the payment processing unit 34 receives a payment request for electronic money from the store terminal 3 (see FIG. 2) installed in a member store, the payment processing unit 34 requests the withdrawal unit 33 to withdraw the required amount from the operation account.

Then, the payment processing unit 34 performs a process of depositing the required amount withdrawn by the dispensing unit 33 into the account of the business operator of the store terminal 3. This allows the store to receive the payment amount for electronic money payment. Note that the payment processing unit 34 can also request the withdrawal unit 33 for withdrawal immediately before the date and time when the payment is made into the business operator's account. That is, by keeping the last minute in the operation account, the operation period can be earned and the user U can obtain more interest.

Further, the payment processing unit 34 can also appropriately sell the financial product purchased through the operation account, and then perform electronic money payment using the selling cost of the financial product. In this case, the selling cost of the financial product is once transferred to the management account and withdrawn by the dispensing unit 33 as electronic money from the management account.

That is, the user U can also make an electronic money payment by capital return. Even in this case, the user U does not have to perform the sale procedure of the financial product, and the information processing apparatus 1 internally sells the financial product.

Thereby, the user U can make an electronic money payment using all the assets of the user U managed by the information processing device 1. Note that the payment processing unit 34 may sell the financial product at the rate at which the user U makes the electronic money payment, or may perform the financial operation at a rate at a fixed timing (such as midnight). You may decide to sell the product.

In addition, the payment processing unit 34 can also perform payment processing using the privilege possessed by the user U. Further, the payment processing unit 34 can also replace the capital return of the financial asset purchased with the benefit with the benefit and perform electronic money payment. Depending on the store, the payment processing unit 34 may use the financial product as it is for the electronic money payment. In this case, the financial product owned by the user U is transferred to the store side.

It should be noted that the user U displays authentication information such as a barcode or a QR code (registered trademark) on the terminal device 2 when performing electronic money payment, and reads the authentication information on the store terminal 3 to settle the payment. The so-called QR code (registered trademark) settlement can be performed.

[3.3.6. Purchase processing department]
The purchase processing unit 35 purchases a financial product using the balance of the operation account of the user U. Further, the purchase processing unit 35 can also purchase the above-mentioned investment product by using a privilege.

The purchase processing unit 35 displays a purchase screen of a financial product or an investment product on the terminal device 2 in response to an operation of the user U on the terminal device 2 to accept the purchase of the financial product or the investment product from the user U. it can. Details of this point will be described later with reference to FIG.

[3.3.7. Notification section]
The notification unit 36 notifies the user U of the balance including the management profit of the management account. Specifically, first, the notification unit 36 acquires the deposit balance of the operation account from the bank server 4 (see FIG. 2) at a predetermined cycle (for example, once a day), and at the same time, various financial products owned by the user U. Value is acquired from the investee server 5.

Then, the notification unit 36 rewrites the asset information table 42 shown in FIG. 5 for each user U and notifies the terminal device 2 of the total assets of the user U for each user U. FIG. 7A is a diagram showing an example of the notification screen.

As shown in FIG. 7A, the terminal device 2 is notified of the increase/decrease in the assets of the user U on the lock screen. In the example shown in FIG. 7A, the case where the application preinstalled in the terminal device 2 is so-called application notification for notifying a message is shown.

As a result, the user U can easily confirm the change in asset value. In addition, the amount of asset change compared to the previous day is notified to the message. Therefore, the user U can easily grasp the increase/decrease amount of his/her own assets.

Note that the notification unit 36 is not limited to the application notification, and uses other notification methods such as notifying the fluctuation of the asset when the user U opens the application or the web page provided by the information processing device 1. You may decide to do it.

Next, a series of processes until the user U purchases a financial product using the balance of the operation account will be described with reference to FIGS. 7B to 7D. FIG. 7B is a diagram showing an example of a screen showing a breakdown of assets.

The screen shown in FIG. 7B corresponds to the display screen first displayed when the application is opened. As shown in FIG. 7B, when the application is opened, the “total amount of money” of the user U, “total assets” and “breakdown of total assets” are displayed.

The “total amount of money” is the total amount of electronic money held by the user U, and corresponds to the deposit balance of the operation account. “Total assets” indicates the total amount of assets of the user U managed by the information processing apparatus 1 including financial products in addition to the total amount of money.

“Breakdown of total assets” shows a breakdown of total assets. In the example shown in FIG. 7B, a case where the YY fund (stock company), stocks, and money are displayed as a breakdown is shown. In addition, the amount of increase/decrease compared to the previous day is displayed in each breakdown. This allows the user U to easily understand in which financial product the total assets have increased or decreased.

The user U can easily consider the purchase or sale of the financial product based on the amount of increase/decrease compared to the previous day for each financial product. Further, when the user U selects “View other products” shown in FIG. 7B, a selection screen for financial products is displayed on the terminal device 2.

FIG. 7C is a diagram showing an example of a selection screen for financial products. As shown in FIG. 7C, a list of financial products that can be purchased with electronic money is displayed on the selection screen. Further, as shown in FIG. 7C, a relative risk is displayed for each financial product.

In the example shown in FIG. 7C, the risk of MMF (Money Management Fund) is low, the risk of YY fund (securities company) is medium, and the risk of FX is high. In this way, by presenting the relative risk to the user U in advance, the user U can easily understand the risk for each financial product.

As a result, the user U can select the financial product to purchase based on the risk, and thus can easily select the financial product that suits his/her sense of values.

FIG. 7D is a diagram showing an example of a purchase screen. FIG. 7D shows a case where the user U selects “YY fund” from the financial products shown in FIG. 7C. In FIG. 7D, on the purchase screen, along with a chart showing price fluctuations, a purchase amount column for the user U to specify the purchase amount, a payment method, and the like are displayed.

By presenting the chart on the purchase screen, it becomes possible for the user U to easily grasp the change in the value of the financial product. Further, as shown in FIG. 7D, when electronic money is selected as the payment method, the balance of the electronic money is also displayed.

That is, the balance of the electronic money becomes the upper limit of the purchase amount by which the user U can purchase the financial product using the electronic money. Note that other payment methods include payment using a privilege and credit card payment. Further, depending on the financial product, the electronic money balance including the privilege may be displayed.

The user U can purchase the financial product by operating the slide bar shown in FIG. 7D after designating the purchase amount and the payment method. Based on such an operation, the purchase processing unit 35 will purchase the designated financial product by the designated amount.

As described above, the purchase processing unit 35 can support the asset management of the user U by further purchasing the financial product using the balance of the management account, and thus facilitates the asset management of the user U. be able to.

[4. Processing procedure of information processing device]
The processing procedure of the information processing device 1 will be described with reference to FIG. FIG. 8 is a flowchart showing a processing procedure executed by the information processing device 1 according to the embodiment. In addition, in FIG. 8, a series of processes from the deposit of the electronic money of the user U to the electronic money settlement will be described.

As shown in FIG. 8, the information processing device 1 first determines whether or not a deposit for electronic money has been received (step S101). When the information processing device 1 receives the deposit for the electronic money (Yes in step S101), the information processing device 1 deposits the amount of electronic money into the operation account (step S102).

Subsequently, the information processing device 1 determines whether or not there is electronic money payment by the user U (step S103). Here, when the electronic money settlement is performed (Yes in step S103), the information processing device 1 withdraws the required amount from the operation account (step S104).

Then, the information processing device 1 performs a payment process of transferring the amount of money that has been attended to the account of the store (step S105), and ends the process. On the other hand, when the information processing device 1 does not accept the deposit (No in step S101), the process ends. Moreover, the information processing apparatus 1 continues the process of step S103, when electronic money payment is not performed (step S103, No).

Here, the case where the information processing apparatus 1 performs the processing of step S104 and subsequent steps depending on whether or not the electronic money payment of step S103 is performed has been described, but the processing of step S103 is performed by the user U for the refund request. It may be replaced with the presence or absence or a purchase request for a financial product.

When step S103 is a refund request, the process of step S105 is a refund process. When the process of step S103 is a purchase request for a financial product, the process of step S105 is a financial product purchase process.

[5. Hardware configuration]
The information processing device 1 in the above-described embodiment is realized by the computer 200 having the configuration illustrated in FIG. 9, for example, executing a program.

FIG. 9 is a diagram illustrating an example of a hardware configuration of a computer that executes the program according to the embodiment. The computer 200 includes a CPU 201, a RAM 202, a ROM 203, a HDD 204, a communication interface (I/F) 205, an input/output interface (I/F) 206, and a media interface (I/F) 207.

The CPU 201 operates based on a program stored in the ROM 203 or the HDD 204 to control each unit. The ROM 203 stores a boot program executed by the CPU 201 when the computer 200 starts up, a program dependent on the hardware of the computer 200, and the like.

The HDD 204 stores data used by the programs executed by the CPU 201. The communication interface 205 corresponds to the communication unit 10, receives data from another device via the network 6, sends the data to the CPU 201, and transmits the data generated by the CPU 201 to the other device via the network 6.

The CPU 201 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input/output interface 206. The CPU 201 acquires data from the input device via the input/output interface 206. The CPU 201 also outputs the generated data to the output device via the input/output interface 206.

The media interface 207 reads a program or data stored in the recording medium 208 and provides the program or data to the CPU 201 via the RAM 202. The CPU 201 loads the program from the recording medium 208 onto the RAM 202 via the media interface 207 and executes the loaded program. The recording medium 208 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. Etc.

The CPU 201 of the computer 200 executes the program loaded on the RAM 202 to execute the above-described reception unit 30, distribution unit 31, payment unit 32, payment unit 33, payment processing unit 34, purchase processing unit 35, and notification. The function of the unit 36 can be realized. Further, the accepting unit 30, the allocating unit 31, the depositing unit 32, the dispensing unit 33, the settlement processing unit 34, the purchase processing unit 35, and the notifying unit 36 may each be partially or entirely configured only by hardware. Good.

The CPU 201 of the computer 200 reads the program from the recording medium 208 and executes the program, but as another example, the program may be acquired from another device via the network 6. The HDD 204 corresponds to the storage unit 11 and stores the same data as the storage unit 11. Further, instead of the HDD 204, a semiconductor memory device such as a RAM or a flash memory, or a storage device such as an optical disk may be used.

[6. effect〕
The information processing device 1 includes a reception unit 30 and a deposit unit 32. The accepting unit 30 accepts payment of electronic money from a user. The deposit unit 32 deposits the amount of electronic money accepted by the accepting unit 30 into an operational account opened for each user U, and also withdraws it from the operational account as electronic money. Therefore, asset management can be facilitated.

Further, the deposit unit 32 subtracts the amount of money deposited in the operation account from the balance of the electronic money of the user. Therefore, the property of the user U can be appropriately managed.

Further, the information processing device 1 includes a withdrawal unit 33 for exchanging the deposit of the operation account for electronic money. Therefore, the liquidity of electronic money can be secured.

The operating account is a deposit account of a financial institution, and the withdrawal unit 33 exchanges the deposit in the deposit account for electronic money. Therefore, the liquidity of electronic money can be secured.

When the deposit account is a time deposit, the withdrawal unit 33 cancels the time deposit and exchanges it for electronic money. This makes it possible to facilitate the asset management of the user U while ensuring the liquidity of the asset of the user U.

The information processing apparatus 1 also includes a payment processing unit 34 that performs a payment process by exchanging a necessary amount from the operation account to electronic money via the withdrawal unit 33 when paying with electronic money. Therefore, convenience as electronic money can be secured.

In addition, the information processing device 1 includes a purchase processing unit 35 that purchases a financial product using a deposit in an operation account. Therefore, asset management can be facilitated.

Further, the purchase processing unit 35 presents the chart showing the price transition for each financial product to the user U, and then purchases the financial product at the amount designated by the user U. Therefore, it is possible to facilitate the judgment when the user U purchases the financial product.

Further, the purchase processing unit 35 presents the relative risk of each financial product to the user U. Therefore, it is possible to facilitate the judgment when the user U purchases the financial product.

Further, the information processing device 1 includes a distribution unit 31 that allocates operation destinations according to the types of assets held by the user U. Therefore, all the assets owned by the user U can be used for asset management.

In addition, the information processing device 1 includes a notification unit 36 that notifies the user U of the deposit balance including the operational gain of the operational account. Therefore, it is possible to make the user U feel that the assets are increasing, and it is possible to prompt the user U to deposit the electronic money.

Further, the notification unit 36 notifies the user U of the amount of money obtained by adding the deposit balance of the operation account to the balance of electronic money as the balance of electronic money. As a result, the user U can make an electronic money payment without being aware of the operating account.

Further, the above-described information processing device 1 may be realized by a plurality of server computers, or may be realized by calling an external platform or the like with an API (Application Programming Interface) or network computing depending on the function. The configuration can be changed flexibly.

Also, the above-mentioned "section (module, unit)" can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition unit or an acquisition circuit.

Although the present invention has been described using the above embodiment, the technical scope of the present invention is not limited to the scope described in the above embodiment. It is apparent to those skilled in the art that various changes or improvements can be added to the above-described embodiment. It is also apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

1 Information Processing Device 2 Terminal Device 3 Store Terminal 4 Bank Server 5 Investee Server 30 Reception Department 31 Distribution Department 32 Payment Department 33 Payment Department 34 Payment Processing Department 35 Purchase Processing Department 36 Notification Department 41 User Information Table 42 Asset Information Table

Claims (15)

A reception unit that accepts payment for electronic money from a user,
An information processing apparatus, comprising: a depositing unit that deposits the amount of electronic money received by the receiving unit into an operational account opened for each user. The deposit part is
The information processing apparatus according to claim 1, wherein the amount of money deposited in the operation account is subtracted from a balance of electronic money of the user. The information processing apparatus according to claim 1, further comprising a withdrawal unit for exchanging the deposit of the operation account for electronic money. The withdrawal section is
The information processing apparatus according to claim 3, wherein the amount of money exchanged from the deposit of the operation account to the electronic money is added to the balance of the electronic money. The management account is
A deposit account of a financial institution,
The withdrawal section is
The information processing apparatus according to claim 3, wherein the deposit of the deposit account is exchanged for the electronic money. The withdrawal section is
The information processing apparatus according to claim 5, wherein when the deposit account is a time deposit, the time deposit is canceled and exchanged for the electronic money. 7. A payment processing unit for exchanging a required amount from the operation account to the electronic money via the withdrawal unit and performing a payment process at the time of payment with the electronic money. Information processing device described in. The information processing apparatus according to claim 1, further comprising a purchase processing unit that purchases a financial product using the deposit of the operation account. The purchase processing unit is
The information processing apparatus according to claim 8, wherein after presenting a chart showing a price transition for each of the financial products to the user, the financial product is purchased for an amount designated by the user. The purchase processing unit is
The information processing apparatus according to claim 8, wherein the relative risk of each financial product is presented to the user. The information processing apparatus according to claim 1, further comprising: a notification unit that notifies the user of a balance including an operation gain of the operation account.
The notification unit,
The information processing apparatus according to claim 11, wherein the user is notified of an amount obtained by adding the deposit balance of the operation account to the balance of the electronic money as the balance of the electronic money. The information processing apparatus according to any one of claims 1 to 12, further comprising: a distribution unit that allocates operation destinations according to a type of assets held by the user. An information processing method executed by a computer,
An acceptance step for accepting payment for electronic money from a user,
A depositing step of depositing the amount of electronic money received in the receiving step into an operational account opened for each user. A procedure for accepting deposits for electronic money from users,
An information processing program for causing a computer to execute a depositing procedure for depositing the amount of electronic money accepted by the accepting procedure into an operational account opened for each user.

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