JP2020160548A - Information processing device, payment deadline notification system, and payment deadline notification method - Google Patents

Abstract

To notify a payment deadline in advance to a user who has made a transaction using a transaction terminal.SOLUTION: An information processing device that is connected to a transaction terminal via a network and manages a transaction performed on the transaction terminal includes: an acquisition unit that acquires payment deadline information for the transaction related to a user based on transaction information received from the transaction terminal obtained by executing a predetermined transaction with the user and transaction information of the user stored in a storage unit; and a server processing unit that notifies the transaction terminal of the payment deadline information acquired by the acquisition unit, when the user makes the next transaction.SELECTED DRAWING: Figure 3

Description

The present invention relates to an information processing device, a payment deadline notification system, and a payment deadline notification method.

Today, personal data is recorded in various media. As the medium, there are many media such as mobile phones, PCs, and cards. Conventionally, there is a technique for urging a user whose payment deadline has passed based on the data. For example, in Patent Document 1, as a part of the loan business performed by a financial institution, a business of urging a customer who is behind in repayment to repay is performed. This dunning service is performed by the call center operator calling the customer. There is also a method of mailing a reminder. On the other hand, for example, various types of information are provided to customers who use terminal devices of automated teller machines (ATMs) and cash dispensers (CDs). In addition, a means for identifying the customer to be notified and notifying the customer has been proposed based on the history of contact with the customer to be reminded.

Japanese Unexamined Patent Publication No. 2015-106190

In recent years, many tax and public money can be paid at convenience store cashier terminals, banks' automated teller machines and form tax and public money trading devices, and credit card payments are automatically deducted from registered accounts. There is a deadline for payment of tax and public money, but there are many users who exceed the payment deadline because they have forgotten the payment deadline or could not pay due to insufficient balance.

In Patent Document 1, only users whose payment deadline has passed are notified, and advance notice cannot be given to users whose payment deadline is approaching. In addition, since the range of collecting notification information is limited, the user who should be notified is not always notified.

An object of the present invention is to provide an information processing device capable of notifying a payment deadline in advance, a payment deadline notification system, and a payment deadline notification method to a user who has made a transaction using a trading terminal.

The information processing device according to one aspect of the present invention is an information processing device that is connected to a trading terminal via a network and manages transactions performed at the trading terminal, and is received from the trading terminal with a user. Based on the transaction information obtained by executing the predetermined transaction in the above and the past transaction information of the user stored in the storage unit, the acquisition unit for acquiring the payment deadline information of the transaction related to the user, and the user. Is configured as an information processing device including a server processing unit that notifies the transaction terminal of the payment deadline information acquired by the acquisition unit when the next transaction is performed.

Further, in one aspect of the present invention, it is also grasped as a payment deadline notification system having the information processing device and a payment deadline notification method.

According to one aspect of the present invention, the payment deadline can be notified in advance to the user who has made a transaction using the trading terminal.

It is a block diagram of the whole payment deadline notification system in this Example. It is a figure which shows the example of the information stored in each server. This is a transaction flow at a transaction terminal such as an ATM or a self-service machine. This is the transaction flow in the case of a convenience store. It is a figure which shows the example of the payment deadline notification screen in the ATM transaction. It is a figure which shows the example of the transaction information transmission confirmation screen. It is a figure which shows the example of the balance shortage notification screen. It is a figure which shows the example of the transaction confirmation screen from the next time onward. It is a figure which shows the example of the receipt. It is a figure which shows the example of the payment reminder screen (customer side). It is a figure which shows the example of the payment reminder screen (clerk side). It is a figure which shows the flow of data when the payment reminder screen shown in FIG. 5 is not displayed. It is a figure which shows the flow of data when the payment reminder screen shown in FIG. 5 is displayed. It is a figure which shows the flow of data when the payment reminder screen shown in FIG. 5 is displayed.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The following description and drawings are examples for explaining the present invention, and are appropriately omitted and simplified for clarification of the description. The present invention can also be implemented in various other forms. Unless otherwise specified, each component may be singular or plural.

The position, size, shape, range, etc. of each component shown in the drawings may not represent the actual position, size, shape, range, etc., in order to facilitate understanding of the invention. Therefore, the present invention is not necessarily limited to the position, size, shape, range and the like disclosed in the drawings.

In the following description, various information may be described by expressions such as "table" and "list", but various information may be expressed by data structures other than these. The "XX table", "XX list", etc. may be referred to as "XX information" to indicate that they do not depend on the data structure. When describing the identification information, expressions such as "identification information", "identifier", "name", "ID", and "number" are used, but these can be replaced with each other.

When there are a plurality of components having the same or similar functions, they may be described by adding different subscripts to the same code. However, when it is not necessary to distinguish between these plurality of components, the subscripts may be omitted for explanation.

Further, in the following description, a process performed by executing a program may be described, but the program is executed by a processor (for example, CPU, GPU) to appropriately store a predetermined process as a storage resource (a storage resource (for example, CPU, GPU). Since it is performed using, for example, a memory) and / or an interface device (for example, a communication port), the processing unit may be a processor. Similarly, the main body of processing for executing a program may be a controller, a device, a system, a computer, or a node having a processor. The subject of the processing performed by executing the program may be an arithmetic unit, and may include a dedicated circuit (for example, FPGA or ASIC) that performs a specific processing.

The program may be installed from the program source into a device such as a calculator. The program source may be, for example, a program distribution server or a computer-readable storage medium. When the program source is a program distribution server, the program distribution server includes a processor and a storage resource for storing the program to be distributed, and the processor of the program distribution server may distribute the program to be distributed to other computers. Further, in the following description, two or more programs may be realized as one program, or one program may be realized as two or more programs.

The following describes a case where processing is performed using an automated teller machine (ATM) or other automated teller machine, a form tax public money trading device, or a convenience store cash register terminal, which is used in financial institution systems such as banking systems. However, if other terminals (for example, smartphones and mobile terminals) have similar functions, the application can be applied to these terminals as well. Further, in the following, a plurality of servers cooperate to perform processing using information obtained from a trading terminal. For example, by configuring the server in a cloud configuration, one server performs these processing. May be good. Further, although not particularly shown below, each server and transaction terminal is composed of a computer having a processor such as a CPU and a storage device such as a RAM, ROM, and HDD, and the computer executes a program. Each process is executed.

FIG. 1 is a configuration diagram of the entire payment deadline notification system in this embodiment. As shown in FIG. 1, the payment deadline notification system 1000 is connected to the information processing terminal 100, the company server 200 connected to the information processing terminal 100 via the network N1, and the server 200 to the network N2. It has a storage engine server 300, and a comprehensive server 400 connected to the storage engine server 300 via a network N3. The networks N1 to N3 are general public network.

The trading terminal 100 (for example, ATM100a, self-machine 100b, cash register terminal 100c), which is a trading device such as a bank or a convenience store (hereinafter referred to as a convenience store), pays the payment described or recorded on a medium such as a form or a card possessed by the user. The information to be performed is read, and the user information included in the read information is transmitted to the server of each company (for example, the server 200a of the bank system and the server 200b of the convenience store chain system) and stored. The user information referred to here includes personal information such as "address, name, telephone number, account information, credit card information, transaction information".
Then, the server of each company transmits the above user information to the server of each storage organization.

The server of each storage institution (for example, the server 300a of the system of the storage institution A and the server 300b of the system of the storage institution B) collects the above user information received from the server 200 of each company into these terminals and servers. It is transmitted to the highest-level general server 400. In addition to the above user information collected from the server 300 of each storage institution, the general server receives payment deadline information (for example, credit card usage amount withdrawal date, each charge type and payment deadline date) from each storage institution. Aggregate for each user and accumulate as new user information. When the user uses the trading terminal 100 next time, the general server transmits the newly accumulated and aggregated user information in the reverse order of the above. In this way, the comprehensive server 400 is an information processing device that is connected to the trading terminal 100 via a network and manages transactions performed by the trading terminal 100, and is an information processing device that receives from the trading terminal 100 and communicates with the user. A transaction related to a user based on user information including transaction information obtained by executing a predetermined transaction and user transaction information stored in a database (for example, user information including the user's past transaction information). It includes an acquisition unit that acquires payment deadline information, and a server processing unit that notifies the transaction terminal 100 of the payment deadline information acquired by the acquisition unit when the user makes a next transaction.

FIG. 2 is a diagram showing an example of information stored in each server. The database of the server 200 of each company acquires the information input and transmitted from the transaction terminal 100 of each company and stores it in the database. If the trading terminal 100 is an automated teller machine (hereinafter referred to as ATM) or a form tax public money trading device (hereinafter referred to as a self-machine), for example, transaction information including tax public money payment information, an account number, an address, and a name can be obtained from a bank server 200a. It is possible to acquire user information including a telephone number. Further, if the transaction terminal 100 is a cash register terminal of a convenience store, for example, it is possible to acquire user information including credit card information and transaction information including payment information of various tax and public money from the server 200b of the convenience store chain. .. In this embodiment, the transaction terminal 100 is described on the premise that the user information is acquired, but the server 200 of each company stores the address, name, and telephone number of the user information in the database for transaction. When the transaction information and the account number of the user information are received from the terminal 100, the user information may be searched from the database using the account number and transmitted to the server 300 of each storage institution. FIG. 2 shows that payment deadline information 101, transaction information 102, and user information 103, which are payment information of tax and public money, are acquired. The payment deadline information 101 is also output to the display unit of the transaction terminal 100. An example of each of these pieces of information will be described later.

The server 200 of each of these companies transmits the acquired user information to the server 300 of each storage organization. In FIG. 2, the server 200a of the bank system stores user information (including personal information such as user account information 201, address, name, telephone number 202, etc.) acquired from the ATM 100a and the self-service machine 100b in the system of the storage institution A. Is transmitted to the server 300a owned by the company. Further, the server 300b of the system of the storage institution B contains the user information (including personal information such as the user's credit card information 213, address, name, telephone number 202, etc.) acquired from the server 200b cash register terminal 100c of the convenience store chain system. Send to.

The server 300 of each storage institution (for example, storage institution A) is registered in advance in the above-mentioned user information (account information 301, address, name, telephone number 302, transaction information 303) transmitted from the server 200 of each company. Payment deadline information 304 indicating the payment deadline of the charge, withdrawal date information 305 indicating the payment date of the credit card, credit card indicating payment information of the charge using the credit card (for example, the card payment date and the payment amount) Information 306 is added and transmitted to the general server 400. Similarly, for the storage institution B, the payment deadline information 314 indicating the payment deadline of the pre-registered fee in the above user information (account information 316, address, name, telephone number 311, transaction information 312), credit card payment The withdrawal date information 315 indicating the due date and the credit card information 313 indicating the payment information of the charge using the credit card (for example, the card settlement date and the settlement amount) are added and transmitted to the general server 400.

The comprehensive server 400 integrates and updates the user information for each user each time the information received from the storage organization A and the user information from the storage organization B are received, and stores the user information in the database as new user information. For example, the comprehensive server 400 associates the user information received from the server 300 of each storage institution with each user's account information 401, and addresses, name, telephone number 402, transaction information 403, payment deadline information 404, and withdrawal date. Information 405 is accumulated. In addition to these information, when information about each company held in the general server 400 is held, these information are associated and stored as information 406 of each company. Then, the new user information is transmitted the next time the trading terminal is used.

FIG. 3 shows a transaction flow in a transaction terminal 100 such as an ATM or a self-service machine. As shown in FIG. 3, when a transaction is started by inputting a medium such as a form or a card possessed by the user (S301), the ATM100a and the self-service machine 100b (hereinafter, simply the transaction terminal 100) provide user information. It is transmitted to the server 300 of each storage organization via the server 200 of each company (S302, S303).

For example, the transaction terminal 100 acquires the account information, address, name, telephone number, and transaction details recorded on the cash card as user information in the case of cash card transactions, and the inserted form in the case of cash transactions. Get the data and the entered address, name, phone number, and transaction details. The server 300 of each storage organization transmits the received user information to the general server 400 (S303, S304).

The general server 400 reads the above-mentioned user information received from each storage institution server 300, and uses the account information (which may further include an address, name, and telephone number) included in the user information as a key for each storage institution. User information is integrated for each user by identifying and sorting each user information received from the server 300. The general server 400 reads the payment deadline information with a future date from the integrated user information and transmits it to the server 300 of each storage institution (S305). At this time, if there is no payment deadline information in the transaction, the general server 400 transmits to that effect to the server 300 of each storage institution. The server 300 of each storage institution transmits the payment deadline information received from the general server 400 or the above-mentioned fact to the transaction terminal 100 via the server 200 of each company (S306, S307).

After that, the transaction terminal 100 receives an operation from the user and performs a transaction (for example, payment of tax and public money) as usual (S308). Then, the transaction terminal 100 displays the payment deadline notification screen (FIG. 5) before displaying the transaction end screen for ending the transaction on the display unit (S309). On this screen, the content asking the user whether or not to display the current payment deadline notification again is displayed in the next and subsequent transactions. Subsequently, the transaction terminal 100 displays the balance shortage notification screen (FIG. 7) as necessary (S310), and then displays the transaction information transmission confirmation screen of FIG. 6 and the next and subsequent transaction confirmation screens of FIG. 8 (FIG. 8). S311 and S312). By displaying the confirmation screen, the transaction terminal 100 asks the user whether or not the current transaction information may be transmitted to each storage institution before the end of the transaction. Only when [Send] is selected on this screen, the transaction terminal 100 transmits the user information including the current transaction information to the server 200 of each company, which is a higher-level server (S313), and each company. The server 200 transmits the above user information to the general server 400 via the server 300 of each storage organization (S314, S315). After that, the general server 400 generates new user information in which the user information received from the server 300 of each storage organization is reflected in the user information already stored in the database, and stores the user information in the database.

FIG. 4 shows a transaction flow in the case of a convenience store. As shown in FIG. 4, when the transaction is started by inputting a medium such as a credit card or a point card possessed by the user (S401), the cashier terminal 100c (hereinafter, simply the transaction terminal 100) is the case of FIG. Similarly, the user information is transmitted to the server 300 of each storage institution via the server 200 of each company (S402, S403). The server 300 of each storage organization transmits the received user information to the general server 400 (S403, S404).

The general server 400 reads the user information received from each storage institution server 300, and similarly to the case of FIG. 3, the general server 400 may include the account information (further, the address, name, and telephone number may be included) included in the user information. Using the key as a key, each user information received from the server 300 of each storage institution is sorted by name, etc., and the user information is integrated for each user, and the integrated user information is set to the future date. The payment deadline information or the above-mentioned fact is read out and transmitted to the transaction terminal 100 via the server 300 of each storage institution and the server 200 of each company (S405 to S407).

After that, the transaction terminal 100 receives an operation from the user and performs a transaction (for example, payment of tax and public money) as usual (S408). Then, the transaction terminal 100 displays the payment reminder screen (FIGS. 10 and 11) before displaying the transaction end screen for ending the transaction on the display unit (S409). Further, the transaction terminal 100 prints the payment deadline on the receipt (hereinafter referred to as receipt) (FIG. 9) when there is payment deadline information (S410). If there is no payment deadline information, nothing is printed. After that, the user information is transmitted to the general server 400 (S411 to S413) as in the case of FIG. 3, and the general server 400 stores the user information received from the server 300 of each storage institution in the database. Generate new user information reflected in the existing user information and store it in the database.

FIG. 5 is a diagram showing an example of a payment deadline notification screen in an ATM transaction. As shown in FIG. 5, on the payment deadline notification screen 501, the type of tax and public money to be paid "○○" and the payment deadline "● month × day" are displayed to prompt the user to pay. Message is displayed. Further, on the screen, buttons 502 and 503 for the user to select whether or not to display these contents in the future are displayed. When the non-display button 502 is selected, the transaction terminal 100 transmits to that effect to the general server 400 via the server 200 of each company and the server 300 of each storage institution. In the general server 400, the information that the button 502 to be not displayed is selected is stored in association with the user information. Similarly, when the button 503 to be displayed is selected, that fact is transmitted to the general server 400 and stored in association with the user information. Although not particularly shown in FIG. 5, the payment amount and the payment times of the installment payment may be displayed. As a result, the user can grasp the payment amount at a glance as well as the payment deadline. In this way, the acquisition unit of the comprehensive server 400 has selected the notification necessity selection information (button 502 not to be displayed) for selecting the notification necessity of the user information including the transaction information and the payment deadline information from the transaction terminal 100. Information to that effect, information to the effect that the button 503 to be displayed has been selected) is received, and the received transaction information and notification necessity selection information are stored in association with the transaction information stored in the database, and server processing is performed. If the notification necessity selection information is information indicating no, the department does not send the payment deadline information in the transactions after this transaction.

The information displayed on the payment deadline notification screen 501 can be obtained, for example, as follows. By executing S301 to S304 shown in FIG. 3, the general server 400 receives the user information acquired from the cash card and the form by the transaction terminal 100 from the server 300 of each storage institution, and receives the received user information. , Of the user information stored in the database, the type of tax and public money and the payment deadline are acquired by matching with the transaction information obtained when the payment transaction was performed in the past. As for the payment deadline, for example, a predetermined payment date or, in the case of installment payment, a monthly payment due date is specified in advance, so it is sufficient to obtain each payment due date (for example, the end of each month). ..

When the general server 400 receives the fact that the non-display button 502 is pressed, the general server 400 does not transmit the payment deadline notification screen 501 to the transaction terminal 100 from the next time onward. on the other hand. When the general server 400 receives the fact that the button 503 to be displayed is pressed, the general server 400 sets a new next payment deadline on the payment deadline notification screen 501 and transmits it to the trading terminal 100 in the same manner from the next time onward. ..

Whether or not to display the payment deadline notification screen 501 at the time of transaction may be set by, for example, the transaction terminal 100, the general server 400, or the user himself / herself from the telephone or the Internet.

FIG. 6 is a diagram showing an example of a transaction information transmission confirmation screen inquiring the user whether the current transaction information may be transmitted to each storage institution at the time of ATM transaction. As shown in FIG. 6, the transaction information transmission confirmation screen 601 displays a message confirming whether or not the current transaction information may be transmitted to the server 300 of each storage institution. Further, on the screen, buttons 602 and 603 for selecting whether or not to transmit transaction information are displayed. When the transmission button 602 is selected, the transaction terminal 100 transmits the current transaction information to the server 300 and the general server 400 of each storage organization via the server 200 of each company. In the general server 400, the current transaction information is stored in association with the user information. When the non-transmit button 603 is selected, that fact is transmitted to the server 300 and the general server 400 of each storage organization via the server 200 of each company, and is stored in association with the user information. In this way, the acquisition unit of the general server 400 receives and receives the information indicating the disapproval or the transaction information as the transaction information transmission confirmation information indicating whether or not the transaction information can be transmitted to the general server 400 from the transaction terminal 100. The information indicating the above-mentioned denial or transaction information is stored in association with the transaction information stored in the database.

The information displayed on the transaction information transmission confirmation screen 601 can be acquired by conducting a transaction on the transaction terminal 100. Whether or not to display the payment deadline notification screen 501 at the time of transaction may be set by, for example, the transaction terminal 100, the general server 400, or the user himself / herself from the telephone or the Internet.

FIG. 7 shows an example of a balance shortage notification screen that notifies the user of the balance shortage when the balance of the account is less than the payment amount whose payment deadline is approaching at the time of ATM transaction. It is a figure which shows. As shown in FIG. 7, on the balance section shortage notification screen 701, the type of tax and public money to be paid "○○" and a message to warn the user due to insufficient balance are displayed. In addition, buttons 702 and 703 for the user to select whether or not to display these contents in the future are displayed on the screen. When the non-display button 702 is selected, the transaction terminal 100 transmits to that effect to the general server 400 via the server 200 of each company and the server 300 of each storage institution. In the general server 400, the information that the non-display button 702 is selected is stored in association with the user information. Similarly, when the button 703 to be displayed is selected, that fact is transmitted to the general server 400 and stored in association with the user information. Although not particularly shown in FIG. 7, the amount of money for which the balance is insufficient may be displayed. This allows the user to see at a glance how much more money is needed to pay. As described above, the server processing unit of the comprehensive server 4000 is based on the account information used for the transaction by the user stored in the database in advance and the transaction amount included in the transaction information received from the transaction terminal 100 by the acquisition unit of the comprehensive server 400. Then, it is determined whether or not the balance of the account information is insufficient, and if it is determined that the balance of the account information is insufficient, the balance shortage information is transmitted to the transaction terminal 100.

The information displayed on the balance shortage notification screen 701 can be obtained, for example, as follows. By executing S301 to S304 shown in FIG. 3, the general server 400 receives the user information acquired from the cash card and the form by the transaction terminal 100 from the server 300 of each storage institution, and receives the received user information. , Of the user information stored in the database, the difference between the predetermined amount required for payment of the above tax and public money and the account balance is compared with the account information obtained when the payment transaction was made in the past. It may be acquired as the amount of insufficient balance.

When the general server 400 receives the fact that the non-display button 702 is pressed, the general server 400 does not transmit the balance shortage notification screen 701 to the trading terminal 100 from the next time onward. on the other hand. When the general server 400 receives the fact that the button 703 to be displayed is pressed, the general server 400 similarly calculates the amount of the balance shortage from the next time onward, and displays the fact (or amount) on the balance shortage notification screen 701. Set and send to the trading terminal 100.

Whether or not to display the balance shortage notification screen 701 at the time of transaction may be set by the user himself / herself from the telephone or the Internet, in addition to the transaction terminal 100 and the general server 400, for example.

FIG. 8 is a diagram showing an example of a transaction confirmation screen from the next time onward asking the user whether or not there is a possibility of conducting the current transaction from the next time onward at the time of ATM transaction. As shown in FIG. 8, on the transaction confirmation screen 801 from the next time onward, a message to confirm whether or not there is a possibility of conducting the same transaction as this time is displayed. Further, on the screen, buttons 802 and 803 for selecting whether or not there is the above possibility are displayed. When the possible button 802 is selected, the transaction terminal 100 transfers the transaction information of the current transaction type (for example, the tax / public money type “○○”) from the next time onward via the server 200 of each company. It is transmitted to the server 300 and the general server 400 of each storage organization. In the general server 400, the transaction information from the next time onward is stored in association with the user information updated for the current transaction information. When the no possibility button 803 is selected, that fact is transmitted to the server 300 and the general server 400 of each storage organization via the server 200 of each company, and is stored in association with the user information.

Whether or not to display the transaction confirmation screen 801 from the next time onward at the time of transaction may be set by the user himself / herself from the telephone or the Internet, for example, in addition to the transaction terminal 100 and the general server 400.

FIG. 9 is a diagram showing an example of a receipt output from the cash register terminal at the time of cash register settlement at a convenience store. As shown in FIG. 9, the receipt printed from the cashier terminal is printed with the transaction details (for example, product name and amount), and payment is made in the same manner as the payment deadline notification screen 501 shown in FIG. The target tax and public money type "○○" and the payment deadline "● month x day" are displayed, and the payment deadline notification information R including a message prompting the user to pay is displayed. Regarding the output of the payment deadline notification information R, the same processing as the information displayed on the payment deadline notification screen 501 may be performed.

FIG. 10 shows an example of a payment reminder screen (customer side) that notifies the user that the payment deadline is printed on the receipt on the screen (first display unit, customer side) attached to the cash register terminal. It is a figure. As shown in FIG. 10, on the payment reminder screen 1001 on the customer side, a message indicating that the output receipt (FIG. 9) includes a notification to the customer and a message urging the receipt of the receipt are displayed. To. This makes it possible to notify the payment deadline even to users who do not normally receive receipts. The payment reminder screen 1001 on the customer side is displayed on, for example, a display 110 which is a display unit of a cash register terminal provided on the customer U side.

FIG. 11 shows a payment reminder screen (clerk side) for notifying the clerk that the payment deadline for the user is printed on the receipt on the screen (second display unit, clerk side) attached to the cashier terminal. It is a figure which shows the example of. As shown in FIG. 11, on the payment reminder screen 1101 on the clerk side, the output receipt (FIG. 9) is accompanied by a message that the notification to the customer is included, and the receipt is always urged to be handed over to the customer. A message is displayed. When this screen is displayed, the clerk can inform the customer that important information is printed on the receipt and at the same time alert the customer to receive the receipt. The payment reminder screen 1101 on the clerk side is displayed, for example, on the display 111 which is a display unit of the cash register terminal provided on the clerk C side.

FIG. 12 is a diagram showing a data flow when the payment reminder screen shown in FIG. 5 is not displayed. 13 and 14 are diagrams showing the flow of data when the payment reminder screen shown in FIG. 5 is displayed.

In FIG. 12, for example, when a user pays tax and public money, the transaction terminal 100 acquires an account number as user information, acquires a tax and public money type “○○” as transaction information, and uses these as user information. It is transmitted to the server 200 of each company as 1201 and transaction information 1202. The server 200 of each company transmits these information received from the transaction terminal 100 to the server 300 of each storage institution as user information 1203 and transaction information 1204, respectively. The server 300 of each storage institution acquires the information on the payment date of the tax and public money registered in advance (for example, the next payment deadline) from the database, and obtains these from the database, and obtains these from the user information 1205, transaction information 1206, and payment deadline. It is transmitted to the general server 400 as information 1207. The general server 400 uses these information received from the server 300 of each storage institution as user information 1208, transaction information 1209, and payment deadline information 1210, and corresponds to the past information of the user stored in the database in advance. Attach and accumulate. Then, the general server 400 determines whether or not there is a transaction that has passed the payment deadline stored in the payment information at the present time, or whether or not there is a transaction whose payment deadline (for example, one week ago) is near, and stores it in the payment information at the present time. If it is determined that there is a transaction that has passed the payment deadline, or that there is a transaction that is close to the payment deadline, it is determined that there is an unpaid transaction, and the customer's contact information registered in advance is urged to pay. contact. At this time, as shown in S306 and S307 of FIGS. 2 and 3, the general server 400 may transmit the next payment deadline as payment deadline information to the transaction terminal 100 via the server 200 of each company. ..

In FIG. 13, for example, when a user conducts a transaction other than payment of tax and public money (for example, withdrawal transaction at an ATM), the transaction terminal 100 uses an account number as user information as shown in FIGS. It is acquired and transmitted as user information 1301 to the server 200 of each company. The server 200 of each company transmits the information received from the transaction terminal 100 to the server 300 of each storage institution as user information 1302. The server 300 of each storage organization transmits the user information received from the server 200 of each company as the user information 1303 to the general server 400. The general server 400 stores the information received from the server 300 of each storage organization as user information 1304 in association with the past information of the user stored in the database in advance. Then, the general server 400 acquires 1305 by reading the information on the payment date of the tax and public money (for example, the next payment deadline) registered in advance from the database, and uses the payment deadline information 1306 on the server 300 of each storage institution. Send. In the above example, the payment deadline information is set on the premise that the general server 400 sets the payment deadline information. However, as in the case of FIG. (For example, the next payment deadline) may be acquired by reading it from a database and transmitted to the general server 400.

After that, the server 300 of each storage organization confirms the payment deadline information received from the general server 400, and transmits the payment deadline information 1307 to the server 200 of each company. The server 200 of each company confirms the payment deadline information received from the server 300 of each storage institution, and transmits the payment deadline information 1308 to the transaction terminal 100. The transaction terminal 100 displays the payment deadline information 1309 received from the server 200 of each company on the display unit as shown in S309 and FIG. 5 of FIG. 3, and the processing after S310 is performed to continue the transaction.

In FIG. 14, for example, when a user performs a transaction other than payment of tax and public money (for example, a product purchase transaction by a credit card at a convenience store), the transaction terminal 100 uses the transaction terminal 100 as user information as shown in FIGS. The credit card number is acquired and transmitted as user information 1401 to the server 200 of each company. The server 200 of each company transmits the information received from the transaction terminal 100 to the server 300 of each storage institution as user information 1402. The server 300 of each storage organization transmits the user information received from the server 200 of each company to the general server 400 as the user information 1403. The general server 400 stores the information received from the server 300 of each storage organization as user information 1404 in association with the past information of the user stored in the database in advance. Then, the general server 400 acquires 1405 by reading the information on the payment date of the tax and public money (for example, the next payment deadline) registered in advance from the database, and uses the payment deadline information 1406 as the payment deadline information 1406 on the server 300 of each storage institution. Send. In the above example, the payment deadline information is set on the premise that the general server 400 sets the payment deadline information. However, as in the case of FIG. 12, the server 300 of each storage institution has the information on the payment date of the tax and public money registered in advance. (For example, the next payment deadline) may be acquired by reading it from a database and transmitted to the general server 400.

After that, the server 300 of each storage organization confirms the payment deadline information received from the general server 400, and transmits the payment deadline information 1407 to the server 200 of each company. The server 200 of each company confirms the payment deadline information received from the server 300 of each storage institution, and transmits the payment deadline information 1408 to the transaction terminal 100. The transaction terminal 100 prints the payment deadline information 1409 received from the server 200 of each company on a receipt as shown in S410 and FIG. 9 of FIG. 4, and the processing after S411 is performed to continue the transaction. At this time, the transaction terminal causes the display unit to display the payment reminder screen as shown in S409 and FIGS. 10 and 11 of FIG.

As described above, according to the present embodiment, when various transactions such as tax and public money payment transactions and withdrawal transactions are performed from transaction terminals such as ATMs, self-service machines, and cash register terminals, the transactions are obtained. The transaction information is stored in the database for each user, and the tax and public money information whose payment deadline is imminent can be notified in advance for each user. As a result, it is possible to prevent the user from forgetting to pay and being unable to pay due to insufficient balance. In addition, since the form information is also used to identify the user, it is possible to notify the user of the cash transaction.

1000 Payment deadline notification system 100 Information processing terminal 200 Company server 300 Storage institution server 400 Comprehensive server N1 to N3 network

Claims (10)

An information processing device that is connected to a trading terminal via a network and manages transactions performed on the trading terminal.
Payment deadline for transactions related to the user based on the transaction information received from the transaction terminal obtained by executing a predetermined transaction with the user and the past transaction information of the user stored in the storage unit. The acquisition department that acquires information and
A server processing unit that notifies the transaction terminal of the payment deadline information acquired by the acquisition unit when the user makes a transaction next time.
An information processing device characterized by being equipped with. The information processing device according to claim 1.
The acquisition unit receives the transaction information when the user makes a transaction on the transaction terminal composed of an automatic teller machine or a cash register terminal, and the server processing unit uses the payment deadline information as the automatic teller machine. Or send to the cashier terminal,
An information processing device characterized by this. The information processing device according to claim 1.
The acquisition unit receives the transaction information and the notification necessity selection information for selecting the notification necessity selection information of the payment deadline information from the transaction terminal, and receives the transaction information and the notification necessity selection information. , The server processing unit stores the payment deadline information in the subsequent transactions when the notification necessity selection information is information indicating whether or not the notification is required or not, which is stored in association with the transaction information stored in the storage unit. Do not send
An information processing device characterized by this. The information processing device according to claim 1.
The acquisition unit receives the transaction information indicating whether or not the transaction information can be transmitted to the server from the transaction terminal as transaction information transmission confirmation information, or the transaction information, and receives the information indicating the rejection or the reception. The transaction information is stored in association with the transaction information stored in the storage unit.
An information processing device characterized by this. The information processing device according to claim 1.
The server processing unit receives the account information based on the account information used for the transaction by the user stored in the storage unit in advance and the transaction amount included in the transaction information received by the acquisition unit from the transaction terminal. If it is determined whether or not the balance is insufficient and it is determined that the balance of the account information is insufficient, the balance shortage information is transmitted to the trading terminal.
An information processing device characterized by this. A payment deadline notification system in which a trading terminal and a server that manages transactions performed on the trading terminal are connected via a network.
The trading terminal is
A terminal processing unit that executes a predetermined transaction with a user, outputs transaction information, and transmits the output transaction information to the server.
It is provided with a deadline notification unit that acquires payment deadline information for transactions related to the user from the server and notifies the user.
The server
When the payment deadline information of the transaction related to the user is acquired based on the transaction information received from the transaction terminal and the past transaction information of the user stored in the storage unit, and the user conducts the next transaction. , Server processing unit that sends to the trading terminal,
Payment deadline notification system characterized by being equipped with. The payment deadline notification system according to claim 6.
The transaction terminal notifies the user of the payment deadline by outputting the payment deadline information acquired from the server to a receipt output when the predetermined transaction is executed by the deadline notification unit.
A payment deadline notification system that features this. The payment deadline notification system according to claim 7.
In the trading terminal, the deadline notification unit sends a message to the effect that the receipt output to the first display unit of the transaction terminal includes a notification to the user and a message to prompt the receipt of the receipt. indicate,
A payment deadline notification system that features this. The payment deadline notification system according to claim 7.
The trading terminal urges the deadline notification unit to deliver a message to the second display unit of the trading terminal that the receipt is included in the notification to the user and the receipt to the user. Display a message to that effect,
A payment deadline notification system that features this. It is a payment deadline notification method performed by a payment deadline notification system in which a trading terminal and a server that manages transactions performed on the trading terminal are connected via a network.
The terminal processing unit of the trading terminal executes a predetermined transaction with the user, outputs the transaction information, and transmits the output transaction information to the server.
The server processing unit of the server acquires the payment deadline information of the transaction related to the user based on the transaction information received from the transaction terminal and the past transaction information of the user stored in the storage unit. When the user makes the next transaction, it is sent to the transaction terminal and sent to the transaction terminal.
The terminal processing unit of the transaction terminal acquires the payment deadline information of the transaction related to the user from the server and notifies the user.
A payment deadline notification method characterized by that.

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