JP2020106892A - Information processing apparatus, method for controlling the same, and program - Google Patents

Abstract

To provide a mechanism that allows a user to easily change a method of payment when the balance of the account required for withdrawal processing is insufficient, according to the balances of a plurality of accounts.SOLUTION: An information processing apparatus acquires account information including the balance of an account and withdrawal information including a withdrawal amount withdrawn from the account, and compares the withdrawal amount included in the acquired withdrawal information with the balance included in the acquired account information. When the balance of the account is insufficient, as a result of comparison of the withdrawal amount included in the acquired withdrawal information with the balance included in the acquired account information, the information processing apparatus controls to display a screen that can receive selection of processing in order to resolve the insufficiency of the balance.SELECTED DRAWING: Figure 4

Description

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

Traditionally, when you purchase a product using a credit card and make a payment, the payment amount is usually deducted from the bank account that corresponds to the credit card, and most of the payments are made the month after the payment is made. The amount is deducted from the bank account.

However, the month when the product is actually purchased is different from the month when the payment amount is deducted from the bank account. There is a problem that you can not do.

Therefore, if the user has multiple bank accounts, it is necessary to transfer the deficit amount to the bank account that will be debited from another bank account using a bank counter or an automated teller machine, which is a hassle for the user. Becomes

Therefore, in Patent Document 1, communication is performed with a database including details of the first account account and the second account account, and if the first account account can be inquired and the amount can be transferred, the first account A mechanism for depositing the amount deducted from the account into the second account is disclosed.

Japanese Patent Publication No. 2003-502724

By the way, when executing the transfer process between multiple bank accounts, by the credit card settlement date, the credit card settlement amount, the balance information of the bank account to be deducted, and the balance of the spare bank account, if any. The user needs to know the information and.

In addition, if the balance of the bank account to be debited is insufficient, a mechanism is required that allows the user to easily select whether to deposit money into a bank account, transfer from another bank account, or change the payment method. To be Although the mechanism of Patent Document 1 discloses a mechanism that allows transfer from a specific account to another account, a mechanism that allows a user to easily change payment processing according to the balance of the account is disclosed. Not not.

Therefore, it is an object of the present invention to provide a mechanism that allows a user to easily change the payment method when the balance of an account for debit processing is insufficient according to the balances of a plurality of accounts. And

The information processing apparatus of the present invention includes an acquisition unit that acquires account information including an account balance and withdrawal information including an withdrawal amount withdrawn from the account, a withdrawal amount included in the withdrawal information and the account information. A display that controls to display a screen capable of accepting selection of processing in order to solve the shortage of the balance when the balance is insufficient as a result of comparison by the comparison means for comparing with the balance and the comparison means. And a control means.

According to the present invention, there is an effect that the user can easily change the payment method when the balance of the account for the withdrawal process is insufficient according to the balance of the plurality of accounts.

It is a figure showing an example of a system configuration in this embodiment. 3 is a diagram showing a hardware configuration of information processing apparatus 100. FIG. 3 is a diagram showing a functional configuration of the information processing device 100. FIG. It is a flow chart which shows a flow of transfer processing between a plurality of accounts in a first embodiment of the present invention. It is a flow chart which shows a flow of processing which confirms a shortage in a second embodiment of the present invention. It is a figure which shows an example of the account registration screen 600, the account search screen 610, and the registered account screen 620 in embodiment of this invention. It is a figure which shows an example of the date setting screen 700, the warning setting screen 710, and the warning setting screen 720 in embodiment of this invention. It is a figure which shows an example of the alert screen 800 and the transfer screen 810 in embodiment of this invention. It is a figure which shows an example of the transfer confirmation screen 900 and the transfer confirmation screen 910 in embodiment of this invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram showing an example of a system configuration of this embodiment. The information processing system of the present invention is communicably connected to an information processing apparatus 100, a plurality of external server apparatuses 101, and a LAN (Local Area Network) 200.

The information processing device 100 is a device including a touch panel. In the present embodiment, description will be made assuming a mobile device such as a so-called smartphone or tablet terminal, but the present invention is not limited to this. It may be a personal computer without a touch panel.

The server device 101 is an external server device that stores bank account information. The information processing device 100 appropriately acquires necessary information from the server device 101. Further, by receiving the transfer execution request from the information processing device 100, the server device 101 performs the transfer process between accounts.

The system configuration of the present embodiment is an example, and other devices and system configurations may be provided.

FIG. 2 is a diagram showing a hardware configuration of the information processing device 100. The hardware configuration shown in FIG. 1 is merely an example.

The information processing device 100 is a device including a touch panel. In the present embodiment, description will be made assuming a device such as a so-called smartphone or tablet terminal, but the present invention is not limited to this. It may be a personal computer without a touch panel.

The CPU 201 centrally controls the memory and the controller via the system bus. The ROM 202 or the flash memory 214 stores a control program of the CPU 201 such as a BIOS (Basic Input/Output System) and an operating system 300. Further, various programs to be described later, which are necessary for realizing the functions executed by the information processing apparatus 100, are stored.

The RAM 203 functions as a main memory, a work area, etc. of the CPU 201. The CPU 201 implements various operations by loading a program or the like required for executing the processing into the RAM 203 and executing the program.

The display controller 204 controls display on a display device such as the display 210. The display 210 is, for example, a liquid crystal display. A touch panel 211 is provided on the surface of the display 210. The touch panel controller 205 controls detection of a touch operation on the touch panel 211. The touch panel controller 205 can also detect touch operations (hereinafter referred to as multi-touch) on a plurality of locations on the touch panel 211.

The camera controller 206 controls shooting by the camera 212. The camera 212 is a digital camera, and an image captured by the camera controller 206 is converted into digital data by an image sensor. The camera 212 can take a still image and a moving image.

The sensor controller 207 controls inputs from various sensors 213 included in the information processing apparatus 100. There are various sensors in the sensor 213 of the information processing apparatus 100, such as an azimuth sensor and an acceleration sensor.

The network controller 208 connects and communicates with an external device via a network, and executes communication control processing on the network. For example, internet communication using TCP/IP is possible.

The flash memory controller 209 controls access to the flash memory 214 that stores a boot program, browser software, various applications, font data, user files, edit files, various data, and the like. Although a flash memory is described in the present embodiment, a hard disk, a flexible disk, or a storage medium such as a card type memory connected to a PCMCIA card slot via an adapter may be used.

The CPU 201, the memories, and the controllers described above are integrated into one chip 215. It is provided inside the information processing apparatus 100 in a so-called SoC (System on Chip) form.

Note that the CPU 201 enables display on the display 210 by executing outline font rasterization processing in a display information area in the RAM 203, for example.

Various programs and the like used by the information processing apparatus 100 of the present invention to execute various processes described later are recorded in the flash memory 214, and are executed by the CPU 201 by being loaded into the RAM 203 as necessary. is there. Furthermore, definition files and various information tables used by the program according to the present invention are stored in the flash memory 214. The above is the hardware configuration in this embodiment.

FIG. 3 is a diagram showing a functional configuration of the information processing device 100. The functional configuration shown in FIG. 3 is merely an example.

A storage unit 301, a display control unit 302, an operation detection unit 303, and a communication control unit 304 are provided as functional units of the information processing device 100. These are functional units that operate in the operating system 300.

The storage unit 301 is a functional unit for storing, in the RAM 203 or the flash memory 214, information constituting various tables to be described later, various screens, information constituting image data generated by shooting with the camera 212, and the like. Add/update/delete information as necessary. Further, it also stores various pieces of information that have been input or have received laundry on various screens described later. For example, the date information and the amount information received on the date setting screen 700 and the warning setting screen 720, which will be described later, are stored.

The display control unit 302 is a functional unit for controlling the display on the display 210. When the display control unit 302 gives an instruction to display a screen or the like, the display instruction is transmitted to the display 210 via the display controller 204. Then, when the display 210 receives this instruction, the display 210 displays a screen or the like according to the instruction.

The operation detection unit 303 is a functional unit for detecting a touch operation on the touch panel 211. The position of touch operation on the touch panel 211, the number of touch operations, and the like can be detected.

The communication control unit 304 is a functional unit for communicating with a server device (not shown) or another information processing device.

Further, the information processing apparatus 100 is installed with an account transfer application 310 operable in the operating system 300. The account transfer application 310 includes a balance information acquisition unit 311, a display control instruction unit 312, a balance check processing unit 313, and a transfer execution request unit 314. In the present embodiment, the processing such as displaying each screen of the account transfer is performed by the account transfer application 310, but the processing of the present invention may be performed on the web page of the bank.

The balance information acquisition unit 311 is a functional unit that acquires the balance information of the account from the server device or another information processing device based on the user account information stored in the storage unit 301 by the function of the communication control unit 304. is there.

The display control instruction unit 312 is a functional unit for instructing the display control unit 302 to display a screen or the like displayed on the account transfer application 310. The display control unit 302 displays a screen or the like according to the instruction from the display control instruction unit 312 on the display 210.

The balance check processing unit 313 is a functional unit that confirms, based on the balance information acquired by the balance information acquisition unit 311, whether or not the credit card withdrawal amount described later can be withdrawn, and whether or not the balance is insufficient. Is.

The transfer execution requesting unit 314 is a functional unit that requests a transfer request between a plurality of accounts to the server device 101 or system outside the bank. When the information processing device 100 makes a transfer request, the server device 101 of the bank executes the transfer process from the specified account to the specified account in response to the request. In addition, the “transfer” in the present embodiment means to transfer money from a reserve account registered in the account transfer application 310 to a debit account.

Next, with reference to the flowchart of FIG. 3, a series of flows of a transfer process between a plurality of accounts, which is the first embodiment of the present invention, will be described.

In step S401, the CPU 201 of the information processing apparatus 100 confirms the credit card withdrawal date and the preset account balance check date. The credit card withdrawal date may be set in advance by the user using the credit transfer application 310, or may be appropriately acquired by the information processing apparatus 100 from the system of the credit card company.

Here, the date setting screen 700 of FIG. 7 will be described. The date setting screen 700 includes a date input field 701 that accepts input of a balance check date or selection by pull-down. In the present embodiment, the information processing apparatus 100 accepts the setting of how many days before the credit card withdrawal date (settlement date) the balance of the account should be checked. Further, not only date information but also date and time information may be accepted. Based on the date information received on the date setting screen 700, the CPU 201 of the information processing device 100 performs processing such as notifying when the balance of the withdrawal account is insufficient.

In step S402, the CPU 201 of the information processing apparatus 100 determines whether the current date is the balance check date. More specifically, the balance check date is specified based on the credit card withdrawal date and the balance check date information received on the date setting screen 700. Then, the CPU 201 of the information processing device 100 determines whether or not the specified balance check date has been reached. If the CPU 201 of the information processing device 100 determines that the balance check date has been reached, the process proceeds to step S403, and if it is determined that the balance check date has not been reached, the process of step S402 is repeated until the balance check date is reached. ..

In step S403, the CPU 201 of the information processing apparatus 100 acquires the balance information of the withdrawal account and the reserve account registered in advance in the account transfer application 310 from the external server apparatus 101 by the function of the balance information acquisition unit 311. Withdrawal account (1st account) shows the main account for credit card withdrawal, and reserve account (2nd account) is the account used to transfer the deficit when the balance of the withdrawal account is insufficient. Is. This shows a process of acquiring the account information including the balance of the account and the withdrawal information including the withdrawal amount withdrawn from the account.

Here, FIG. 6 will be described. FIG. 6 is a diagram showing an example of the account registration screen 600, the account search screen 610, and the registered account screen 620. The account registration screen 600 is a screen for registering a withdrawal account and a spare account, and the account registration screen 600 has a withdrawal account 601 which is information of registered withdrawal accounts and a reserve account button for registering a reserve account. Including 602. If the withdrawal account has not been registered, a withdrawal account button (not shown) is displayed. In addition, it is desirable to be able to register multiple spare accounts.

The account search screen 610 is a screen for searching for an account. The account search screen 610 includes an account information input reception unit 612 that receives an input of account information, a search button 611, and a registration button 613. Upon receiving the press of the search button 611, the information processing apparatus 100 acquires information from the system of the corresponding bank or the server apparatus 101 of the corresponding bank based on the information received by the account information input receiving unit 612. , The corresponding bank is displayed on the display 210. Then, when the depression of the registration button 613 is accepted, the account information is displayed on the account registration screen 600 in association with the type of the accepted account (withdrawal account or backup account).

The registered account screen 620 is a screen for displaying information on registered accounts. On the registered account screen 620, information on registered withdrawal accounts and spare accounts is displayed.

In step S404, the CPU 201 of the information processing device 100 uses the function of the balance check processing unit 313 to compare the withdrawal amount acquired from the credit card company with the amount included in the balance information of the account acquired in step S403. Then, the CPU 201 of the information processing device 100 determines whether or not an amount equal to or more than the withdrawal amount is in the withdrawal account. When the CPU 201 of the information processing apparatus 100 determines that the withdrawal amount is equal to or more than the withdrawal amount, it ends the series of processes. In that case, the withdrawal amount will be deducted from the withdrawal account at a later date. When the CPU 201 of the information processing device 100 determines that the amount of money equal to or more than the withdrawal amount is not in the withdrawal account, the process proceeds to step S405.

In step S405, the CPU 201 of the information processing apparatus 100 displays the balance information of the withdrawal account and the backup account acquired in step S403, the withdrawal amount of the credit card, and the shortage amount by the function of the display control unit 302.

Here, the warning screen 800 and the transfer screen 810 of FIG. 8 will be described. The warning screen 800 is an example of a notification displayed when the balance of the withdrawal account is less than the withdrawal amount. On the warning screen 800, information on the credit card to be withdrawn and information on how many days before the withdrawal date may be displayed. This indicates a process of notifying that the balance is insufficient based on the withdrawal amount and the balance when the balance is insufficient as a result of comparing the withdrawal amount and the balance of the account in step S404.

The transfer screen 810 is a screen that is displayed on the display 210 after the warning screen 800 is displayed, and it is possible to confirm balance information of a withdrawal account or a backup account and select a payment method or the like in order to eliminate the shortfall. An example of a screen is shown. This shows a screen in which, when the balance of the withdrawal account is insufficient, a process selection can be accepted in order to eliminate the insufficient balance, and in step S405, the CPU 201 of the information processing apparatus 100 displays the screen. Control to do so. The transfer screen 810 displays balance information 811, debit account balance information 812, credit card withdrawal amount 812, withdrawal deficit amount 813, and spare account balance information 814. Further, the transfer screen 810 displays a shortage transfer button 815, an input transfer amount button 816, a revolving change button 817, and a button 818 for viewing other reserve accounts. The shortfall amount transfer button 815 is a button for performing a process of transferring the amount of the shortfall amount 813 from the reserve account to the withdrawal account on the information processing apparatus 100 (first screen). When the information processing apparatus 100 receives the pressing of the shortfall transfer button 815, the information processing apparatus 100 controls the display control instructing unit 312 to display a transfer confirmation screen 900 shown in FIG. 9, which will be described later. The input amount transfer button 816 is a button for performing a process of transferring an arbitrary amount of money in addition to the shortage amount 813 from the reserve account to the withdrawal account on the information processing apparatus 100. When the information processing apparatus 100 receives a press of the input money transfer button 816, the information processing apparatus 100 uses the function of the display control instruction unit 312. It controls so that the transfer confirmation screen 910 of FIG. 9 mentioned later may be displayed. The revolving change button 817 is a button for displaying a screen (not shown) for changing to revolving payment. The screen for changing to revolving payment may be the screen of the account transfer application 310 or the screen of the bank web page. The screen for changing to revolving payment is also a screen for changing the withdrawal amount (second screen). The button 818 for viewing other spare accounts is a button for viewing information on other spare accounts when a plurality of spare accounts are registered in the account transfer application 310. When the pressing of the button 818 for viewing other reserve accounts is accepted, the display 210 displays the account information and balance information of the other reserve accounts. Further, even if the balance of the withdrawal account is not insufficient, the transfer screen 810 may display some information until the balance is insufficient, and notify the information on the warning screen 800.

In step S406, the CPU 201 of the information processing device 100 determines whether or not the transfer of the shortfall amount has been accepted. More specifically, it is determined whether or not the pressing of the shortage amount transfer button 815 is accepted on the transfer screen 810 of FIG. If the CPU 201 of the information processing apparatus 100 determines that the pressing of the shortfall amount transfer button 815 is accepted, the process proceeds to step S407, and if the pressing of the shortage amount transfer button 815 is not accepted, the process proceeds to step S408. ..

Here, the transfer confirmation screen 900 and the transfer confirmation screen 910 of FIG. 9 will be described. The transfer confirmation screen 900 is an example of a screen for confirming whether or not to transfer (transfer) the shortfall amount from the backup account to the withdrawal account. The transfer confirmation screen 900 includes a confirmation display 901, a YES button 902, and a NO button 903. Upon accepting the pressing of the YES button 902, the information processing apparatus 100 requests the bank corresponding to the registered spare account to transfer the insufficient amount 813 to the withdrawal account. When the CPU 201 of the information processing device 100 receives the press of the NO button 903, the display is returned to the screen of the transfer screen 810.

The transfer confirmation screen 910 is an example of a screen for confirming whether or not to transfer (transfer) an arbitrary amount of which the input has been received from the reserve account to the withdrawal account. The transfer confirmation screen 910 includes a transfer amount input field 911, a YES button 902, and a NO button 903. When the user presses the YES button 902 after accepting the input of an arbitrary amount in the transfer amount input field 911, the CPU 201 of the information processing device 100 transfers the received transfer amount to the bank corresponding to the registered spare account. Request transfer from a spare account to a debit account. The transfer amount input field 911 may accept the selection of the transfer amount by a pull-down method. When the CPU 201 of the information processing device 100 receives the press of the NO button 903, the display is returned to the screen of the transfer screen 810.

In step S407, the CPU 201 of the information processing apparatus 100 transmits a request to the system of the bank corresponding to the spare account to transfer the deficit amount from the spare account to the withdrawal account by the functional unit of the transfer execution requesting unit 314. With the bank system, the transfer is done online, and it is possible to immediately transfer to the debit account. By this process, even if the credit card cannot be debited due to insufficient balance in the debit account, the user can easily transfer the deficit amount from the spare account from the information processing device 100 (mobile terminal). It becomes possible to transfer to a debit account.

In step S408, the CPU 201 of the information processing device 100 determines whether the transfer of the input amount has been accepted. More specifically, on the transfer screen 810 of FIG. 8, it is determined whether or not pressing of the input amount transfer button 816 has been accepted. If the CPU 201 of the information processing apparatus 100 determines that the input of the input money transfer button 816 has been pressed, the process proceeds to step S409; Proceed.

In step S409, the CPU 201 of the information processing apparatus 100 causes the functional unit of the transfer execution requesting unit 314 to transfer the input amount from the spare account to the debit account on the transfer screen 810, and the system of the bank corresponding to the spare account Send a request to. By this process, the user who wants to transfer more than the shortage amount can easily transfer any amount from the spare account to the withdrawal account from the information processing device 100 (mobile terminal).

In step S410, the CPU 201 of the information processing device 100 determines whether or not a change to revolving payment has been accepted. More specifically, on the transfer screen 810 of FIG. 8, it is determined whether the revoking of the change button 817 is accepted. If the CPU 201 of the information processing device 100 determines that the change button 817 has been pressed by the revolving unit, the process proceeds to step S411. If it is determined that the change button 817 has not been pressed by the revolving unit, the series of processes ends. To do.

In step S411, the CPU 201 of the information processing device 100 causes the display 210 to display a processing screen that can be changed to revolving payment by the function of the display control unit 302.

This is the end of the description of the series of flow of the transfer process between a plurality of accounts, using FIG. By this processing, when the withdrawal account does not have a sufficient amount of money, the user can easily make up for the shortfall by using the information processing device 100 before the withdrawal date comes. Further, it becomes possible to easily transfer only the shortfall amount or an arbitrary amount equal to or more than the shortfall amount from another spare account to the withdrawal account. Furthermore, if the reserve account does not have sufficient balance to cover the withdrawal amount, the credit card company may stop using the credit card. In the unlikely event that there is not enough balance in the spare account, displaying a screen that allows you to change to revolving payment will also prevent the situation where you cannot change the payment method and cannot withdraw. As described above, in the present embodiment, when the balance of the withdrawal account is insufficient, by displaying a plurality of screens capable of eliminating the insufficient amount, the user can easily transfer money between the accounts and eliminate the insufficient amount. This has an effect that the payment method can be arbitrarily selected.

Next, a flow chart showing a flow of processing for confirming the shortage amount in FIG. 5 will be described. FIG. 5 shows a second embodiment of the present invention. In the first embodiment, the credit card withdrawal amount and the balance of the withdrawal account were checked to confirm the shortage amount, but in the second embodiment, the amount to be withdrawn as a fixed amount such as rent, utility expenses, mobile charges, etc. every month. Check the shortfall, including

Since steps S501 to S503 in FIG. 5 are similar to steps S401 to S403 in FIG. 4, description thereof will be omitted.

In step S504, the CPU 201 of the information processing device 100 identifies fixed amount information. Even if the debit account has a very small amount of credit card withdrawal, if the fixed monthly amount is debited first, the credit card cannot be debited. Therefore, the fixed amount information is acquired here to determine whether or not the balance is sufficient based on the fixed amount information.

Here, the warning setting screen 710 and the warning setting screen 720 of FIG. 7 will be described. The warning setting screen 710 and the warning setting screen 720 are examples of screens that the user can arbitrarily set when making a notification according to the balance information of the withdrawal account. The warning setting screen 710 is a setting screen for notifying the user of a predetermined amount or more regardless of whether or not the balance of the withdrawal account is insufficient. The warning setting screen 710 includes a setting amount column 711. If the setting amount is equal to or more than the setting amount, the CPU 201 of the information processing device 100 does not notify that the balance is insufficient.

The warning setting screen 720 is a screen for setting to notify if the balance of the withdrawal account exceeds the withdrawal amount and the balance is less than a certain amount. The warning setting screen 720 includes a set amount column 721 and a fixed amount column 722. When the setting of the set amount column 721 is accepted, the CPU 201 of the information processing apparatus 100 gives a notification when the balance of the withdrawal account is higher than the withdrawn amount and the balance is equal to or less than the accepted amount. Further, when the setting of the fixed amount column 722 is accepted, the CPU 201 of the information processing device 100 confirms the balance obtained by subtracting the fixed amount column 722 and the withdrawal amount from the balance of the withdrawal account, and confirms whether or not there is a shortage. judge. When the setting of the set amount column 721 is accepted, the CPU 201 of the information processing device 100 determines whether the balance obtained by subtracting the fixed amount column 722 and the withdrawal amount from the balance of the withdrawal account is equal to or less than the set amount column 721. judge. In step S504, the CPU 201 of the information processing device 100 may acquire the information of the fixed amount column 722 received on the warning setting screen 720. In the present embodiment, a fixed amount is set in advance by the account transfer application 310, but if there is an amount that has been withdrawn by the same amount based on the monthly withdrawal information, the CPU 201 of the information processing device 100 will automatically determine it as a fixed amount. Alternatively, a fixed amount may be set.

In step S505, the CPU 201 of the information processing apparatus 100 determines, by the function of the balance check processing unit 313, whether or not the balance equal to or larger than the fixed amount and the withdrawal amount of the credit card is in the withdrawal account. When it is determined that there is a balance in the withdrawal account, the CPU 201 of the information processing device 100 ends the series of processes. When it is determined that there is no balance in the withdrawal account, the CPU 201 of the information processing device 100 advances the processing to step S506.

In step S506, the CPU 201 of the information processing apparatus 100 displays the balance information of the withdrawal account and the backup account, the withdrawal amount of the credit card, and the fixed amount and the insufficient amount by the function of the display control unit 302. For example, on the transfer screen 810 of FIG. 8, a fixed amount may be displayed in addition to the balance information 811, withdrawal amount 812, and shortage amount 813 (not shown). After performing the display in step S506, the CPU 201 of the information processing apparatus 100 performs the processes in and after step S406 in FIG. 4, displays a screen for compensating for the shortfall, and accepts various processes.

This is the end of the description of the series of processes in FIG. This makes it possible to check the balance not only with the credit card withdrawal amount, but also with other debits taken, and without the user having to check the balances and withdrawal amounts of multiple accounts. Can be easily confirmed.

As described above, according to the present invention, there is an effect that the user can easily change the payment method when the balance of the account for the withdrawal process is insufficient according to the balance of the plurality of accounts. ..

The present invention can be embodied as, for example, a system, an apparatus, a method, a program, a storage medium, or the like. Specifically, the present invention may be applied to a system including a plurality of devices, or It may be applied to a device consisting of one device.

It should be noted that the present invention includes a software program that realizes the functions of the above-described embodiment, which directly or remotely supplies the system or device. The present invention also includes a case where the computer of the system or the apparatus reads and executes the supplied program code so as to be executed.

Therefore, the program code itself installed in the computer to implement the functional processing of the present invention by the computer also implements the present invention. That is, the present invention includes the computer program itself for realizing the functional processing of the present invention.

In that case, the program may take any form such as an object code, a program executed by an interpreter, or script data supplied to an OS as long as it has the function of the program.

A recording medium for supplying the program includes, for example, a flexible disk, a hard disk, an optical disk, a magneto-optical disk, MO, a CD-ROM, a CD-R, a CD-RW, and the like. There are also magnetic tapes, non-volatile memory cards, ROMs, DVDs (DVD-ROMs, DVD-Rs), and the like.

In addition, as a method of supplying the program, a browser of a client computer is used to connect to a home page on the Internet. The computer program itself of the present invention or a compressed file containing an automatic installation function can be downloaded from the homepage to a recording medium such as a hard disk.

It can also be realized by dividing the program code constituting the program of the present invention into a plurality of files and downloading each file from different homepages. That is, a WWW server that allows a plurality of users to download a program file for implementing the functional processing of the present invention on a computer is also included in the present invention.

In addition, the program of the present invention is encrypted and stored in a storage medium such as a CD-ROM and distributed to users, and the key information for decrypting the encryption is downloaded from the homepage via the Internet to users who have satisfied predetermined conditions. Let It is also possible to execute the encrypted program by using the downloaded key information and install the program on a computer to realize the program.

Further, the functions of the above-described embodiments are realized by the computer executing the read program. In addition, the OS or the like running on the computer performs a part or all of the actual processing based on the instructions of the program, and the processing can also realize the functions of the above-described embodiments.

Further, the program read from the recording medium is written in a memory provided in a function expansion board inserted in the computer or a function expansion unit connected to the computer. After that, based on the instructions of the program, a CPU or the like included in the function expansion board or the function expansion unit performs a part or all of the actual processing, and the processing also realizes the functions of the above-described embodiments.

It should be noted that the above-described embodiments are merely examples of specific embodiments for carrying out the present invention, and the technical scope of the present invention should not be limitedly interpreted by these. That is, the present invention can be implemented in various forms without departing from its technical idea or its main features.

100 Information processing device 201 CPU
202 ROM
203 RAM
204 display controller 205 touch panel controller 208 network controller 209 flash memory controller 210 display 211 touch panel 214 flash memory

Claims (8)

An acquisition means for acquiring account information including the balance of the account and withdrawal information including the amount of withdrawal to be withdrawn from the account,
Comparing means for comparing the withdrawal amount included in the withdrawal information and the balance included in the account information,
As a result of comparison by the comparison means, when the balance is insufficient, display control means for controlling to display a screen capable of accepting selection of processing in order to eliminate the insufficient balance,
An information processing apparatus comprising: The acquisition unit acquires first account information regarding a first account and second account information regarding a second account,
When the balance included in the first account information is insufficient, the display control means can change the first screen for transferring money from the second account to the first account and the payment method. The information processing apparatus according to claim 1, wherein the information processing apparatus controls to display the second screen. The display control means controls to display a screen from which the first screen and the second screen can be selected when the balance is insufficient. Information processing device. Receiving means for receiving the amount to be transferred to the first account,
Transfer requesting means for requesting that the amount received by the receiving means be transferred from the second account to the first account;
The information processing apparatus according to claim 2, further comprising: The display control means, when the balance is insufficient as a result of the comparison by the comparing means, controls to display the account information of another account that can be transferred to the account with the insufficient balance. The information processing apparatus according to any one of claims 1 to 4, which is characterized. 6. The display control means controls to display a screen in which the withdrawal amount can be changed when the balance is insufficient as a result of comparison by the comparison means. The information processing apparatus according to item 1. A method of controlling an information processing device, comprising:
An acquisition step of acquiring account information including the balance of the account and withdrawal information including the amount withdrawn from the account,
A comparison step of comparing the amount of withdrawal included in the withdrawal information with the balance included in the account information;
As a result of comparison in the comparison step, when the balance is insufficient, a display control step of controlling to display a screen capable of accepting selection of processing in order to eliminate the insufficient balance,
A method for controlling an information processing apparatus, comprising: A program for causing a computer to function as each unit of the information processing apparatus according to claim 1.

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