JP6927553B2 - Information processing equipment, control methods, and programs - Google Patents

Description

The present invention relates to information processing devices, control methods, and programs.

Credit cards are used for shopping and payment of utility bills. Credit cards have a usage limit, and users are required to use the credit card within the usage limit.

Patent Document 1 is a prior art relating to the use of a credit card. Patent Document 1 discloses a system for determining whether or not credit card payment is possible in consideration of accounts receivable. Specifically, this system allows the purchase of a product by a credit card if the amount of the product to be purchased plus the accounts receivable is within the credit card usage limit.

Japanese Unexamined Patent Publication No. 2006-244227

The credit card user pays the money consumed by the credit card to the credit card company on the payment date. Between the payment date and the payment date, the user is free to use the credit card as long as the usage limit is not exceeded.

Since the use of credit cards has a large degree of freedom in this way, it is preferable to use credit cards systematically in order not to overuse credit cards. Users who cannot use their credit cards in a planned manner may overuse their credit cards in the first place and may not be able to use their credit cards before the payment date.

The present invention has been made in view of the above problems. An object of the present invention is to provide a technique for facilitating the planned use of a credit card.

The information processing device of the present invention is (1) money representing a tendency of the user of the credit card to consume money during the unit usage period, which is the period from the first payment date of the credit card to the second payment date after that. a consumption pattern acquisition means for acquiring the consumption patterns, (2) the unit utilization period is divided into a plurality of sub-periods, the available amount of the credit card before each SL sub period, are set with respect to the credit card the A sub-period that is calculated based on the distributable amount in the unit usage period and the tendency regarding money consumption in the unit usage period indicated by the acquired money consumption pattern, and indicates the calculated usable amount for each sub-period. It has a sub-period information generation means for generating information.

The control method of the present invention is executed by a computer. The control method is (1) a money consumption pattern representing a tendency of the user of the credit card to consume money in the unit usage period, which is the period from the first payment date of the credit card to the second payment date after that. and consumption patterns acquiring, (2) the unit utilization period is divided into a plurality of sub-periods, prior Symbol usable amount of the credit card for each sub-period, the unit use period set with respect to the credit card Calculated based on the distributable amount in the above and the tendency regarding money consumption in the unit usage period indicated by the acquired money consumption pattern, and generate sub-period information indicating the calculated usable amount for each sub-period. It has a sub-period information generation step to be performed.

The program of the present invention causes a computer to execute each step of the control method of the present invention.

According to the present invention, a technique for facilitating the planned use of a credit card is provided.

It is a block diagram which illustrates the information processing apparatus 2000 of Embodiment 1. It is a figure which illustrates the sub-period information. It is a figure which illustrates the computer 1000 for realizing the information processing apparatus 2000. It is a figure which shows the realization example of the information processing apparatus 2000. It is a flowchart which illustrates the flow of the process executed by the information processing apparatus 2000 of Embodiment 1. FIG. It is a figure which illustrates the money consumption pattern. It is a figure which illustrates the target unit use period which is automatically determined by the information processing apparatus 2000. It is a figure which illustrates the sub-period generated by rule 1. FIG. 1 is a first diagram illustrating how the target unit usage period is divided according to Rule 3. It is a figure which shows the example which the distributable amount is divided into sub-periods evenly. It is a figure which shows the example which the distributable amount is divided into sub-periods by a distribution method 3. It is a block diagram which illustrates the information processing apparatus 2000 of Embodiment 2. It is a figure which illustrates the history information in a table format. It is a figure which illustrates the schedule information in the form of a table. It is a block diagram which illustrates the information processing apparatus 2000 of Embodiment 3. It is a block diagram which illustrates the information processing apparatus 2000 of Embodiment 4.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all drawings, similar components are designated by the same reference numerals, and description thereof will be omitted as appropriate. Further, in each block diagram, unless otherwise specified, each block represents a functional unit configuration rather than a hardware unit configuration.

[Embodiment 1]
FIG. 1 is a block diagram illustrating the information processing apparatus 2000 of the first embodiment. The information processing apparatus 2000 of the first embodiment has a consumption pattern acquisition unit 2020 and a sub-period information generation unit 2040.

The consumption pattern acquisition unit 2020 acquires the money consumption pattern. The money consumption pattern represents a tendency of the credit card user to be processed regarding money consumption. Hereinafter, the credit card to be processed is referred to as a target credit card.

The sub-period information generation unit 2040 divides the unit usage period, which is the period up to the first payment date and the second payment date, into a plurality of sub-periods for the target credit card. Here, the second payment date is the payment date following the first payment date. For example, if the first payment date is the payment date of February 2016, the second payment date will be the payment date of March 2016, which is the next month.

Further, the sub-period information generation unit 2040 generates sub-period information for the target credit card based on the money consumption pattern. The sub-period information indicates the usable amount of the target credit card for each sub-period. Here, at least the second payment date is in the future than the time when the sub-period information generation unit 2040 generates the sub-period information. The first payment date may be a time point when the sub-period information generation unit 2040 generates the sub-period information, or may be past or future than that time point.

FIG. 2 is a diagram illustrating sub-period information in a table format. The table shown in FIG. 2 is referred to as sub-period information 300. The sub-period information 300 has a sub-period 302 and a usable amount 304. The usable amount 304 indicates the usable amount associated with the sub-period 302.

Here, it is assumed that the usage limit of the target credit card set for one unit usage period is 200,000 yen. Further, as a user's money consumption pattern, it is assumed that the payment registered to be automatically deducted using the target credit card (for example, payment of utility charges) is 50,000 yen every month. Hereinafter, the amount of money automatically paid in each unit usage period is referred to as a fixed payment amount.

In the example of FIG. 2, the sub-period information generation unit 2040 divides the amount (150,000 yen) obtained by subtracting the fixed payment amount from the usage limit of the target credit card equally in each sub-period. Here, the length of the sub period is 3 days, and the unit usage period is 30 days (for example, from April 10 to May 9). Therefore, the unit usage period is composed of 10 sub-periods. As a result, the usable amount for each sub-period is 15,000 yen.

The above-mentioned example is an example for facilitating the understanding of the information processing apparatus 2000, and the operation performed by the information processing apparatus 2000 is not limited to the operation shown in the above-mentioned example. A detailed description of the information processing apparatus 2000 will be described later.

<Action / effect>
According to the information processing apparatus 2000 of the present embodiment, the unit usage period is divided into sub periods, and the usable amount is associated with each sub period. Therefore, the user can manage the credit card usage for each sub-period shorter than the unit usage period. Therefore, according to the present embodiment, the user can easily use the credit card in a planned manner.

Hereinafter, the present embodiment will be described in more detail.

<Example of hardware configuration of information processing device 2000>
Each functional component of the information processing apparatus 2000 may be realized by hardware that realizes each functional component (eg, a hard-wired electronic circuit, etc.), or a combination of hardware and software (eg, example). It may be realized by a combination of an electronic circuit and a program that controls it). Hereinafter, a case where each functional component of the information processing apparatus 2000 is realized by a combination of hardware and software will be further described.

FIG. 3 is a diagram illustrating a computer 1000 for realizing the information processing apparatus 2000. The computer 1000 is various computers. For example, the computer 1000 is a personal computer (PC), a server machine, a tablet terminal, a smartphone, or the like. The computer 1000 may be a dedicated computer designed to realize the information processing device 2000, or may be a general-purpose computer.

The computer 1000 has a bus 1020, a processor 1040, a memory 1060, a storage 1080, an input / output interface 1100, and a network interface 1120. The bus 1020 is a data transmission line for the processor 1040, the memory 1060, the storage 1080, the input / output interface 1100, and the network interface 1120 to transmit and receive data to and from each other. The processor 1040 is an arithmetic processing unit such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit). The memory 1060 is a memory such as RAM (Random Access Memory) or ROM (Read Only Memory). The storage 1080 is a storage device such as a hard disk, an SSD (Solid State Drive), or a memory card. The storage 1080 may be a memory such as RAM or ROM.

The input / output interface 1100 is an interface for connecting the computer 1000 and the input / output device. For example, an input device such as a keyboard and a mouse and an output device such as a display device are connected to the input / output interface 1100.

The network interface 1120 is an interface for connecting the computer 1000 to another device via a communication line.

The storage 1080 stores a program module that realizes each function of the information processing apparatus 2000. The processor 1040 reads each of these program modules into the memory 1060 and executes them to realize each function corresponding to the program module.

The hardware configuration of the computer 1000 is not limited to the configuration shown in FIG. 3, and various other configurations may be adopted. For example, the method of connecting the processors 1040 and the like to each other is not limited to the bus connection. Further, for example, each program module may be stored in the memory 1060. In this case, the computer 1000 does not have to include the storage 1080.

<Realization example of information processing device 2000>
FIG. 4 is a diagram showing a realization example of the information processing apparatus 2000. In FIG. 4A, the computer 1000 that realizes the information processing device 2000 is a computer (for example, a smartphone) owned by the user.

On the other hand, in FIG. 4B, the computer 1000 that realizes the information processing apparatus 2000 is a computer different from the computer (computer 3000) owned by the user. For example, the computer 1000 is a computer owned by a management company of the target credit card or the like. In this case, for example, the user connects the computer 3000 to the computer 1000 via the Internet to acquire the sub-period information generated by the computer 1000.

<Processing flow>
FIG. 5 is a flowchart illustrating a flow of processing executed by the information processing apparatus 2000 of the first embodiment. The consumption pattern acquisition unit 2020 acquires the money consumption pattern (S102). The sub-period information generation unit 2040 divides the unit usage period into a plurality of sub-periods (S104). The sub-period information generation unit 2040 generates sub-period information by associating the usable amount with each sub-period (S106).

<Acquisition of money consumption pattern: S102>
The consumption pattern acquisition unit 2020 acquires a money consumption pattern for the user of the target credit card (S102). The money consumption pattern indicates the user's tendency to consume money. By using the money consumption pattern, the information processing apparatus 2000 can grasp how the user consumes money during the unit usage period.

For example, the money consumption pattern shows the fixed payment amount described above.

Further, for example, the money consumption pattern may indicate a transition of money consumed within the unit usage period (hereinafter, transition information). The transition information may include the above-mentioned fixed payment amount and the consumption amount due to other payments (for example, the amount paid by the user for shopping).

FIG. 6 is a diagram illustrating a money consumption pattern. FIG. 6A is a money consumption pattern showing the total amount of money consumed within the unit usage period. On the other hand, FIG. 6B is a money consumption pattern including transition information. The transition information shown in FIG. 6B is referred to as transition information 400. The transition information 400 has a date 402, an estimated consumption amount 404, and a fixed flag 406. The transition information 400 shows the tendency of the user to consume money, that is, "the amount indicated by the expected consumption amount 404 is expected to be consumed on the date indicated by the date 402". The fixed flag 406 is a flag indicating whether or not the payment amount is fixed. The record in which the value of the fixed flag 406 is 1, is a record indicating the fixed payment amount.

There are various methods for the consumption pattern acquisition unit 2020 to acquire the money consumption pattern. For example, the money consumption pattern is input by the user of the target credit card. The input by the user may be performed using an input device connected to the information processing device 2000, or may be performed using another input device. The former case is a case in which the information processing apparatus 2000 is realized by a computer owned by the user (see FIG. 4A). The latter case is a case in which the information processing apparatus 2000 is realized by a computer owned by a credit card company or the like that manages the target credit card (see FIG. 4B).

Further, for example, as the money consumption pattern, the money consumption pattern generated by the information processing apparatus 2000 may be acquired. Here, the method by which the information processing apparatus 2000 generates the money consumption pattern will be described in another embodiment described later.

<About unit usage period>
The unit usage period (hereinafter referred to as the target unit usage period) for which the sub-period information generation unit 2040 is to generate the sub-period is the current or future unit usage period. The current unit usage period is a unit usage period including a time point when the sub-period information generation unit 2040 generates sub-period information (hereinafter referred to as the current time point). The future unit usage period is a unit usage period in which the first payment date is a time point in the future from the time when the sub-period information generation unit 2040 generates the sub-period information.

There are various methods for determining the target unit usage period. For example, the information processing apparatus 2000 receives an input from the user for specifying the target unit usage period. Further, for example, the information processing apparatus 2000 may set the current unit usage period or the latest and future unit usage period as the target unit usage period.

FIG. 7 is a diagram illustrating a target unit usage period automatically determined by the information processing apparatus 2000. (1) indicates the current unit usage period. (2) indicates the latest and future unit usage period. For example, suppose the payment date is the 10th of every month and the current time is March 20th. In this case, the current unit usage period is from March 10, 2016 to April 9, 2016. On the other hand, the most recent and future unit usage period is from April 10th to May 9th.

<Method of generating sub-period information: S104>
The sub-period information generation unit 2040 divides the target unit usage period to generate a plurality of sub-periods (S104). Here, there are various rules for dividing the target unit usage period into sub-periods. The rules will be illustrated below.

<< Rule 1 >>
The sub-period information generation unit 2040 divides the target unit usage period into sub-periods having a predetermined length. For example, assume that the target unit usage period is 30 days and the predetermined length is 3 days. In this case, the sub-period information generation unit 2040 divides the target unit usage period into sub-periods each having a length of 3 days. In this case, the number of sub-periods is 10.

Here, the target unit usage period may not be divisible by the predetermined length. For example, in the above example, if the target unit usage period is 31 days, the number of sub-periods will be 10 and 1/3. In this case, the sub-period information generation unit 2040 calculates the quotient remainder by setting the quotient as an integer when dividing the target unit usage period by a predetermined length. Then, for example, the sub-period information generation unit 2040 sets the number of sub-periods to "quotient value + 1" and sets the value of the quotient to the length of any one (for example, the last) sub-period. In the case of the above example, the sub-period information generation unit 2040 uses the target unit usage period having a length of 31 days, 10 sub-periods having a length of 3 days, and one sub having a length of 1 day. Divide into periods.

Further, for example, the sub-period information generation unit 2040 may set the value of the quotient as the number of sub-periods and add the value of the quotient to the length of any one (for example, the last) sub-period. In the case of the above example, the sub-period information generation unit 2040 has a target unit usage period having a length of 31 days, nine sub-periods having a length of 3 days, and one sub having a length of 4 days. Divide into periods.

FIG. 8 is a diagram illustrating the sub-period generated by Rule 1. In FIG. 8A, the 30-day target unit usage period is divided into 10 sub-periods having a length of 3 days. In FIG. 8B, the 31-day target unit usage period is divided into 10 sub-periods having a length of 3 days and 1 sub-period having a length of 1 day.

The predetermined length may be set in advance in the sub-period information generation unit 2040, may be stored in a storage device accessible from the sub-period information generation unit 2040, or may be set by the user.

<< Rule 2 >>
The sub-period information generation unit 2040 divides the target unit usage period into a predetermined number of sub-periods. For example, it is assumed that the target unit usage period is 30 days and the predetermined number is 10. In this case, the sub-period information generation unit 2040 divides the target unit usage period into 10 sub-periods. In this case, the length of each sub-period is 3 days.

Here, the target unit usage period may not be divisible by a predetermined number. For example, in the above example, if the target unit usage period is 31 days, the length of one sub period will be 3.1 days. Therefore, the sub-period information generation unit 2040 divides the target unit usage period by the above-mentioned predetermined number, and if the value does not become an integer, converts the value into an integer according to a predetermined rule. For example, certain rules are rounding down, rounding up, or rounding off. Then, the sub-period information generation unit 2040 divides the target unit usage period into sub-periods having the converted integer as a predetermined length. The rule for dividing the target unit usage period into sub-periods of a predetermined length is as described in Rule 1.

The sub-period generated by Rule 2 is represented by, for example, FIG. 8 in the same manner as the sub-period generated by Rule 1.

The predetermined number may be set in advance in the sub-period information generation unit 2040, may be stored in a storage device accessible from the sub-period information generation unit 2040, or may be set by the user.

<< Rule 3 >>
In the above two rules, in principle, the target unit usage period is divided into sub-periods by equally dividing the target unit usage period. However, the rule for dividing the target unit usage period is not limited to the rule for dividing the target unit usage period into equal parts.

For example, the sub-period information generation unit 2040 performs the first division that divides the target unit usage period into two or three large periods, and then performs the second division that divides those periods according to different rules. Therefore, the sub period may be calculated. For example, the sub-period information generation unit 2040 divides the target unit usage period into two periods (first half and the second half) by the first division. Then, the sub-period information generation unit 2040 performs the second division so that the lengths of the plurality of periods generated in the first division are different from each other. For example, the sub-period information generation unit 2040 divides the plurality of periods generated in the first division so that the later the period, the shorter the length of the sub-period.

FIG. 9 is a first diagram illustrating how the target unit usage period is divided according to Rule 3. In this example, the target unit usage period is 30 days. The sub-period information generation unit 2040 first divides the target unit usage period into two periods having a length of 10 days (FIG. 9A). Then, the sub-period information generation unit 2040 divides the period of the first half 15 days into a sub-period having a length of 5 days, and divides the period of the latter 10 days into a sub-period having a length of 3 days (FIG. 9 (FIG. 9). b)).

The values of the parameters that determine the rules for the first division and the second division may be set in advance in the sub-period information generation unit 2040, or are stored in a storage device accessible from the sub-period information generation unit 2040. It may be set by the user. The parameters that determine the rules of the first partition are the number and length of periods generated by the first partition. The parameter that defines the rules for the second division is the length or number of sub-periods in each period generated by the first division.

<Generation of sub-period information: S106>
The sub-period information generation unit 2040 determines the usable amount to be allocated to each sub-period based on the money consumption pattern (S106). First, the sub-period information generation unit 2040 determines the total value of the amounts that can be distributed in the sub-period. Hereinafter, the total value of the amounts that can be distributed in the sub-period is referred to as the distributable amount. The distributable amount may be the usage limit of the target credit card, or may be a value set by the user (hereinafter, the maximum usable amount). For example, even if the usage limit of the target credit card is 500,000 yen, if the total usage amount per unit usage period is 100,000 yen, the user sets this "100,000 yen" as the maximum usable amount. do. For example, the maximum usable amount is the balance of the deposit account used for payment to the credit card company.

Here, when the fixed payment amount is indicated in the money consumption pattern, the sub-period information generation unit 2040 will perform the fixed payment amount from the above-mentioned "maximum usable amount set by the target credit card or the user". The amount obtained by subtracting the above may be the distributable amount. By not including the fixed payment amount in the distributable amount, it is possible to more reliably secure the amount required for payment of utility charges. Whether or not the fixed payment amount is included in the distributable amount may be set in advance or may be set by the user.

The sub-period information generation unit 2040 allocates the usable amount to each sub-period by distributing the distributable amount to each sub-period. Hereinafter, some distribution methods will be illustrated.

<< Distribution method 1 >>
The sub-period information generation unit 2040 divides the distributable amount into each sub-period equally. FIG. 10 is a diagram showing an example in which the distributable amount is equally divided into sub-periods. In FIG. 10, the distributable amount is 150,000 yen. This value is a value obtained by subtracting the fixed payment amount of 50,000 yen from the maximum usable amount of 200,000 yen set by the user. The target unit usage period is divided into 10 sub-periods. Therefore, the sub-period information generation unit 2040 allocates a usable amount of 15,000 yen to each sub-period.

<< Distribution method 2 >>
The sub-period information generation unit 2040 may distribute the distributable amount to each sub-period at a ratio according to the length of the sub-period. For example, the sub-period information generation unit 2040 distributes the distributable amount at a ratio of 3: 1 to the sub-period having a length of 3 days and the sub-period having a length of 1 day. That is, in this case, the sub-period information generation unit 2040 sets the value calculated by "distributable amount / length of target unit usage period * length of sub-period" as the usable amount to be allocated to the sub-period.

<< Distribution method 3 >>
The sub-period information generation unit 2040 distributes the distributable amount to each sub-period at a ratio based on the transition information shown in the money consumption pattern. First, the sub-period information generation unit 2040 divides the transition information into sub-periods. Next, the sub-period information generation unit 2040 calculates the total value of the consumption amount indicated by the transition information in each sub-period. Further, the sub-period information generation unit 2040 calculates the ratio of the total value of the consumption amount in each sub-period of the transition information, and sets the ratio as the ratio of the usable amount corresponding to each sub-period. Then, the sub-period information generation unit 2040 distributes the distributable amount to each sub-period according to the calculated ratio.

FIG. 11 is a diagram showing an example in which the distributable amount is divided into sub-periods by the distribution method 3. In this example, it is assumed that the unit usage period is equally divided into three sub-periods.

First, the sub-period information generation unit 2040 divides the period shown in the money consumption pattern into three sub-periods. Then, the sub-period information generation unit 2040 calculates the total value of the expected usable amount shown in the money consumption pattern for each sub-period.

As a result, as shown in FIG. 11, the total expected usable amount in the first sub-period is 10,000 yen, and the total estimated usable amount in the second sub-period is 30,000 yen. Third, it is assumed that the total value of the expected usable amount in the third sub-period is 10,000 yen. In this case, the ratio of the total expected usable amounts in these sub-periods is 1: 3: 1.

Therefore, the sub-period information generation unit 2040 distributes the distributable amount to the sub-period at a ratio of 1: 3: 1. In this example, it is assumed that the distributable amount is 150,000 yen. Then, the usable amount associated with each sub period is 30,000 yen, 90,000 yen, and 30,000 yen, respectively.

<Modification example>
When the target unit usage period includes the current time point (when the target unit usage period is the current unit usage period), the information processing apparatus 2000 does not generate sub-period information for the target unit usage period, but instead starts from the current time point. 2 Sub-period information may be generated for the period up to the payment date. In this case, the distributable amount is the balance of the usage limit of the target credit card, the amount set by the user, or the amount obtained by subtracting the fixed payment amount from these.

Here, the amount set by the user may be the total value of the amounts that can be used from the current time to the second payment date, or may be the total value of the amounts that can be used in the target unit usage period. .. In the latter case, the sub-period information generation unit 2040 calculates a value obtained by subtracting the total value of the amount already used by the user in the target unit usage period from the amount set by the user, and the calculated value can be used as the distributable amount. good. For example, suppose that the user sets the total value of the amount of money that can be used during the target unit usage period to 150,000 yen. Then, it is assumed that the user has already used 30,000 yen during the target unit usage period. In this case, the sub-period information generation unit 2040 sets the distributable amount to 120,000 yen. The total amount of money already used by the user can be calculated based on the usage history of the target credit card.

The sub-period information generation unit 2040 divides the period from the current time point to the second payment date into sub-periods. Then, the sub-period information generation unit 2040 allocates the usable amount to each sub-period. Here, the method of generating the sub-period and distributing the distributable amount for the period from the current time to the second payment date is the same as the method of generating the sub-period and distributing the distributable amount for the target unit usage period. It is done in a way.

[Embodiment 2]
FIG. 12 is a block diagram illustrating the information processing apparatus 2000 of the second embodiment. Except for the points described below, the information processing apparatus 2000 of the second embodiment has the same functions as the information processing apparatus 2000 of the first embodiment.

The information processing device 2000 of the second embodiment has a consumption pattern generation unit 2060. The consumption pattern generation unit 2060 generates the money consumption pattern described in the first embodiment. Specifically, the consumption pattern generation unit 2060 generates a money consumption pattern by using (1) history information showing the user's past money consumption history or (2) user's schedule information. Further, the consumption pattern generation unit 2060 generates a money consumption pattern acquired by the consumption pattern acquisition unit 2020 by combining the money consumption pattern generated by using the history information and the money consumption pattern generated by using the schedule information. May be good.

<Generation of money consumption pattern using history information>
The history information shows the history of the user's past consumption of money. FIG. 13 is a diagram illustrating history information in a table format. The table shown in FIG. 13 is called history information 600. The history information 600 has a date 602, a consumption amount 604, and a fixed flag 606. The history information 600 indicates a history that "the amount indicated by the consumption amount 604 was consumed on the date indicated by the date 602". The fixed flag 606 is a flag indicating whether or not the history corresponds to the fixed payment amount. A record in which the value of the fixed flag 606 is 1, indicates a history corresponding to the fixed payment amount.

The history indicated by the history information may be a consumption history relating to one past unit usage period, or may be a consumption history relating to a plurality of past unit usage periods.

The consumption history indicates the usage history of the target credit card, the history of money consumed by other methods, or both of them. Other methods include, for example, payment by a credit card other than the target credit card, payment by cash, and the like.

There are various methods for acquiring history information. For example, history information is entered by the user. The input by the user may be an input for inputting the date and the consumption amount with the keyboard, or an input for reading a receipt showing the date. In the latter case, the computer used by the user has a function of reading the date and the payment amount from the receipt. The existing technology can be used as the technology for reading the date and the payment amount from the receipt.

Further, for example, the history information may be acquired from the server of the credit card company. In this case, the information processing apparatus 2000 is communicably connected to the server of the credit card company.

The consumption pattern generation unit 2060 predicts the user's money consumption during the target unit usage period by using the history information, and uses the prediction as the money consumption pattern. As described above, the money consumption pattern indicates a fixed payment amount and transition information. Each prediction method will be described below.

<< About fixed payment amount >>
The consumption pattern generation unit 2060 estimates the fixed payment amount in the target unit usage period based on the fixed payment amount shown in the history information, and sets the estimated fixed payment amount as the fixed payment amount indicated by the monetary consumption pattern. For example, when the history information indicates the consumption history of one unit usage period in the past, the consumption pattern generation unit 2060 sets the same amount as the fixed payment amount indicated by the consumption history as the fixed payment amount indicated by the monetary consumption pattern.

Further, for example, when the history information indicates the usage history for each of a plurality of past unit usage periods, the consumption pattern generation unit 2060 uses the statistical value (for example, average value) of the fixed payment amount shown in the plurality of usage histories as monetary value. The fixed payment amount indicated by the consumption pattern.

When calculating the statistical value of the fixed payment amount indicated by the plurality of usage histories as described above, the consumption pattern generation unit 2060 may weight each usage history. For example, the consumption pattern generation unit 2060 weights the new consumption history so that the weight becomes larger. By doing so, when the tendency of the user's money consumption changes with time, the user's money consumption can be predicted more accurately.

As another method of weighting, for example, the consumption pattern generation unit 2060 may give a large weight to the consumption history of the same month as the target unit usage period. For example, if the target unit usage period is May, a large weight is given to the consumption history in May of last year or May of the year before last. Fixed payments may have regular annual payments. Therefore, it is considered that the consumption history of the same month as the target unit usage period is closer to the user's expected monetary consumption for the target unit usage period than the consumption history of other months. Therefore, by giving a large weight to the consumption history of the same month as the target unit usage period, the user's money consumption can be predicted more accurately.

<< About transition information >>
The consumption pattern generation unit 2060 estimates the transition of the user's money consumption based on the transition of the money consumption shown in the history information. Then, the consumption pattern generation unit 2060 uses the estimated transition as transition information indicated by the money consumption pattern.

For example, when the history information indicates the history related to one unit usage period in the past, the consumption pattern generation unit 2060 uses the consumption history as it is as the transition information. Specifically, the consumption pattern generation unit 2060 generates transition information 400 indicating the date 602, the consumption amount 604, and the fixed flag 606 as the date 402, the expected consumption amount 404, and the fixed flag 406, respectively.

Further, for example, when the history information indicates the usage history for each of a plurality of past unit usage periods, the consumption pattern generation unit 2060 generates transition information by statistically processing the plurality of usage histories. Specifically, the consumption pattern generation unit 2060 calculates the statistical value of the consumption amount 604 for each date, and generates transition information indicating the transition of the statistical value. For example, the consumption pattern generation unit 2060 states, "The average value of the consumption amount on the first day of each consumption history, the average value of the consumption amount on the second day of each consumption history, and the average value of the consumption amount on the third day of each consumption history. , ... ”is generated as transition information.

When calculating the statistical value as described above, the consumption pattern generation unit 2060 may give weight to each usage history. The method of weighting each usage history is the same as the method of weighting when calculating the fixed payment amount. Users' tendency to spend money is likely to be influenced by the presence or absence of holidays and events. And there is a high probability that there will be the same holidays and events in the same month. Therefore, it is considered that the consumption history of the same month as the target unit usage period is closer to the user's expected monetary consumption for the target unit usage period than the consumption history of other months. Therefore, by giving a large weight to the consumption history of the same month as the target unit usage period, the user's money consumption can be predicted more accurately.

<Generation of money consumption pattern using schedule information>
The schedule information indicates a schedule related to the user's monetary consumption during the target unit usage period. For example, the schedule is various events such as a family's birthday, travel, New Year's Eve, or homecoming within the target unit usage period.

FIG. 14 is a diagram illustrating schedule information. The table shown in FIG. 14 is called schedule information 500. The schedule information 500 indicates a date 502, a schedule name 504, and an estimated consumption amount 506. Date 502 indicates the date on which the schedule will be implemented. The schedule name 504 indicates the name of the schedule. The estimated consumption amount 506 indicates the amount of money expected to be used in the event indicated by the schedule. The schedule information 500 does not have to indicate the expected consumption amount 506.

There are various methods for acquiring schedule information. For example, schedule information is entered by the user. Further, for example, the schedule information may be acquired from a schedule application that manages the user's schedule. Existing technology can be used as the technology for acquiring information about the schedule from the schedule application.

The consumption pattern generation unit 2060 generates a money consumption pattern based on the schedule information. Specifically, the consumption pattern generation unit 2060 generates a money consumption pattern indicating the date of the schedule (date 502) and the amount of money expected to be consumed at the event indicated by the schedule.

When the schedule information 500 has the expected consumption amount 506, the consumption pattern generation unit 2060 generates a monetary consumption pattern in which the date 502 of each schedule shown in the schedule information 500 and the expected consumption amount 506 are associated with each other.

On the other hand, when the schedule information 500 does not have the expected consumption amount 506, the consumption pattern generation unit 2060 calculates the amount of money expected to be used in each event indicated by the schedule information 500. For example, the consumption pattern generation unit 2060 uses event information in which an event type is associated with an expected consumption amount that is generally expected to be used in the event. The types of events are, for example, birthdays, trips, New Year's Eve, or homecoming. The event information may be set in advance in the consumption pattern generation unit 2060, or may be stored in a storage device accessible from the consumption pattern generation unit 2060.

Specifically, the consumption pattern generation unit 2060 acquires event information corresponding to the type of event indicated by the schedule for each schedule shown in the schedule information 500. Then, the consumption pattern generation unit 2060 generates a monetary consumption pattern in which the date 502 of each schedule indicated by the schedule information 500 and the expected consumption amount indicated by the event information acquired for the schedule are associated with each other.

Here, there are various methods for grasping the type of event for each schedule of the schedule information 500. For example, the schedule information 500 is provided with a column indicating the type of event. Further, for example, the consumption pattern generation unit 2060 may infer the type of event by using the schedule name 504. For example, when the schedule name 504 includes a predetermined keyword (birthday, travel, etc.), the consumption pattern generation unit 2060 estimates that the type of event indicated by the schedule is an event corresponding to the keyword.

<Hardware configuration>
The hardware configuration of the computer that realizes the information processing apparatus 2000 of the second embodiment is represented by, for example, FIG. 3 as in the first embodiment. However, the storage 1080 of the computer 1000 that realizes the information processing device 2000 of the present embodiment further stores a program module that realizes the function of the information processing device 2000 of the present embodiment.

<Action / effect>
According to this embodiment, a money consumption pattern is generated using history information or schedule information. Therefore, the information processing apparatus 2000 can be easily used by the user as compared with the case where the user has to input the money consumption pattern. In particular, when the history information is provided by the credit card company or the schedule information is provided by the schedule application, the trouble of data input by the user is greatly reduced.

[Embodiment 3]
FIG. 15 is a block diagram illustrating the information processing apparatus 2000 of the third embodiment. Except for the points described below, the information processing apparatus 2000 of the third embodiment has the same functions as the information processing apparatus 2000 of the first embodiment or the second embodiment.

The information processing apparatus 2000 of the third embodiment has an update unit 2080. The update unit 2080 updates the sub-period information generated by the sub-period information generation unit 2040. Specifically, the update unit 2080 has three methods: (1) changing the number of sub-periods, (2) changing the usable amount in the sub-period, and (3) regenerating the sub-period information. Update the sub-period information with either.

<(1) Change in the number of sub-periods>
When the predetermined condition is satisfied, the renewal unit 2080 changes the number of sub-periods for the period from the current time point to the second payment date. Further, the update unit 2080 calculates the usable amount corresponding to each sub-period after the change. Then, the update unit 2080 updates the sub-period information by associating the usable amount calculated for the sub-period with the changed sub-period. When this update is performed, the unit usage period indicated by the sub-period information includes the current time.

For example, the above-mentioned predetermined condition is that the remaining credit card usage limit is equal to or less than the predetermined value. The remaining credit card usage limit is the value obtained by subtracting the amount of money that the user has consumed within the target unit usage period from the credit card usage limit.

Further, for example, the above-mentioned predetermined condition is that the balance of the maximum usable amount set by the user is equal to or less than the predetermined value. The remainder of the maximum usable amount set by the user is the value obtained by subtracting the amount of money that the user has consumed within the target unit usage period from the maximum usable amount set by the user when generating the sub-period information. Is.

In order to determine whether or not the above predetermined conditions are satisfied, the update unit 2080 acquires information indicating the amount of money consumed by the user within the target unit usage period. This information may be entered by the user or may be provided by a credit card company or the like.

The information indicating the above-mentioned predetermined conditions may be set in advance in the sub-period information generation unit 2040, may be stored in a storage device accessible from the sub-period information generation unit 2040, or may be set by the user. May be good.

There are various rules for changing the number of sub-periods. For example, the renewal unit 2080 changes the number of sub-periods by changing the length of the sub-period to a predetermined length for the period from the current time to the second payment date. For example, the predetermined length is one day.

Further, for example, the renewal unit 2080 changes the length of the sub period from the current time point to the second payment date to a value obtained by multiplying the length of the sub period before the change by a predetermined coefficient, thereby changing the sub period. Change the number of. Here, the predetermined coefficient is a positive real number less than 1 (for example, 0.5). Further, in this case, when the sub-period information generation unit 2040 generates the sub-period information, it is assumed that the sub-period having a predetermined length is generated based on the above-mentioned rule 1.

The renewal unit 2080 divides the period from the current time point to the second payment date into sub-periods of the length after the change. This division method is the same as that of Rule 1 described in the first embodiment.

Further, the update unit 2080 calculates the usable amount corresponding to each sub-period after the change. Specifically, the renewal unit 2080 sets the remaining credit card usage limit or the remaining maximum usable amount set by the user as the distributable amount, and distributes the distributable amount to each sub-period after the change. do. This distribution method is the same as the method of distributing the distributable amount to the sub-period described in the first embodiment.

<(2) Change of usable amount>
The renewal unit 2080 changes the usable amount corresponding to each sub-period for the period from the current time to the second payment date without changing the length of the sub-period. For example, the renewal unit 2080 changes the usable amount associated with each sub-period when the above-mentioned predetermined conditions are satisfied. Specifically, the renewal unit 2080 sets the remaining credit card usage limit or the remaining maximum usable amount set by the user as the distributable amount, and distributes the distributable amount to each sub-period. , Change the available amount for each sub-period. This distribution method is the same as the method of distributing the distributable amount to the sub-period described in the first embodiment.

Also, for example, the renewal unit 2080 reduces the usable amount associated with one or more sub-periods when there is a large amount of money consumed. For example, when the amount of money consumed by the user in a certain sub-period exceeds the usable amount associated with the sub-period, the update unit 2080 cancels the excess amount after the sub-period. Reduce the amount of money that can be used for a sub-period (for example, the sub-period following that sub-period). Specifically, when the amount of money consumed by the user in a certain sub-period exceeds the usable amount associated with that sub-period, the update unit 2080 associates it with the sub-period after that sub-period. The excess amount is deducted from the available amount. At this time, when reducing the amount for a plurality of sub-periods, the sub-period information generation unit 2040 divides the excess amount by the number of sub-periods to be reduced, and divides the amount available for each sub-period. Reduce from.

In addition, in order to determine whether or not the amount of money used by the user in the sub period exceeds the usable amount, the update unit 2080 acquires information indicating the amount of money consumed by the user within the target unit usage period. This information may be entered by the user or may be provided by a credit card company or the like.

<(3) Regenerate sub-period information>
When the money consumption pattern is changed, or when the history information or the schedule information is changed, the update unit 2080 re-executes the series of processes described in the first embodiment from the current time point to the second usage period. By doing so, the sub-period information is regenerated. In this case, the information processing apparatus 2000 has a function of receiving a change in the money consumption pattern, history information, or schedule information regarding the unit usage period after generating the sub-period information for a certain unit usage period.

When the money consumption pattern is changed, the update unit 2080 uses the changed money consumption pattern to generate sub-period information for the period from the current time point to the second payment date. When the history information or the schedule information is changed, the consumption pattern generation unit 2060 generates a new money consumption pattern by using the changed history information or the schedule information. Then, the update unit 2080 uses the newly generated money consumption pattern to generate sub-period information for the period from the current time point to the second payment date.

When the sub-period information is regenerated, the update unit 2080 generates the sub-period information with the remaining credit card usage limit or the remaining maximum usable amount set by the user as the distributable amount. Then, the update unit 2080 updates the sub-period information so as to indicate the newly generated sub-period information.

<Hardware configuration>
The hardware configuration of the computer that realizes the information processing apparatus 2000 of the third embodiment is represented by, for example, FIG. 3 as in the first embodiment. However, the storage 1080 of the computer 1000 that realizes the information processing device 2000 of the present embodiment further stores a program module that realizes the function of the information processing device 2000 of the present embodiment.

<Action / effect>
According to the present embodiment, the sub-period information is updated according to the actual result of money consumption by the user, the change of the user's schedule, and the like. By doing so, the sub-period information is updated to be more in line with the user's behavior. Therefore, the user can use the credit card more systematically.

[Embodiment 4]
FIG. 16 is a block diagram illustrating the information processing apparatus 2000 of the fourth embodiment. Except for the points described below, the information processing apparatus 2000 of the fourth embodiment has the same functions as any of the first to third embodiments.

The information processing apparatus 2000 of the fourth embodiment has a warning unit 2100. The warning unit 2100 warns the user of the target credit card when the predetermined condition is satisfied. The predetermined conditions are, for example, (1) the remaining credit card usage limit is less than or equal to the predetermined value, (2) the remaining maximum usable amount set by the user is less than or equal to the predetermined value, or (3). The amount spent by the user in a sub-period exceeds the available amount associated with that sub-period.

The warning unit 2100 determines whether or not the above-mentioned predetermined conditions are satisfied by acquiring information indicating the amount of money consumed by the user within the target unit usage period. This information may be entered by the user or may be provided by a credit card company or the like.

The warning unit 2100 gives a warning to the user by outputting the warning information. Here, the content of the warning information is arbitrary. For example, the warning information indicates the fact that the above predetermined conditions are satisfied. Also, for example, the warning information may include a message that money consumption should be refrained from.

The method in which the warning unit 2100 outputs warning information is arbitrary. For example, the warning unit 2100 sends an e-mail or the like including warning information to the user. Further, for example, when the information processing device 2000 is realized by a computer owned by the user, the warning unit 2100 may output the warning information to the display device connected to the computer.

<Hardware configuration>
The hardware configuration of the computer that realizes the information processing apparatus 2000 of the fourth embodiment is represented by, for example, FIG. 3 as in the first embodiment. However, the storage 1080 of the computer 1000 that realizes the information processing device 2000 of the present embodiment further stores a program module that realizes the function of the information processing device 2000 of the present embodiment.

<Action / effect>
According to the information processing apparatus 2000 of the present embodiment, warning information is output according to the actual use of the credit card by the user. With the warning information, the user can easily grasp that the credit card is being used more than planned. Therefore, the user can use the credit card more systematically.

Although the embodiments of the present invention have been described above with reference to the drawings, these are examples of the present invention, and a combination of the above embodiments or various configurations other than the above can be adopted.

Hereinafter, an example of the reference form will be added.
1. 1. A consumption pattern acquisition method for acquiring a money consumption pattern that represents a tendency of a credit card user to consume money,
For the credit card, the unit usage period, which is the period from the first payment date to the next second payment date, is divided into a plurality of sub-periods, and based on the money consumption pattern, the credit card is described for each sub-period. A sub-period information generating means that generates sub-period information indicating the amount of money that can be used by a credit card,
Information processing device with.
2. It has a consumption pattern generation means that acquires the consumption history of money by the user or the schedule information of the user and generates the money consumption pattern based on the acquired consumption history or schedule information.
The consumption pattern acquisition means acquires the user's money consumption pattern generated by the money consumption pattern generation means. The information processing device described in.
3. 3. 1. It has a renewal means for changing the length of the sub-period or changing the usable amount in the sub-period with respect to the generated sub-period information. Or 2. The information processing device described in.
4. The renewal means is used when the remaining credit card usage limit falls below a predetermined value at a certain point in time after the first payment date and before the second payment date, or when the unit is used. When the balance of the maximum usable amount set by the user for the period is less than or equal to the predetermined value, the length of the sub-period after that point is shortened, or the usable amount in the sub-period after that point is set. Reduce the amount 3. The information processing device described in.
5. In the renewal means, the amount of money consumed by the user in a sub-period including a certain time point after the first payment date and before the second payment date is the usable amount associated with the sub-period. If the amount exceeds, the amount of money that can be used in the sub-period after that point will be reduced. The information processing device described in.
6. When the money consumption pattern is changed, the updating means changes the sub-period information by newly generating sub-period information based on the changed money consumption pattern. The information processing device described in.
7. It has a consumption pattern generation means that acquires the consumption history of money by the user or the schedule information of the user and generates the money consumption pattern based on the acquired consumption history or schedule information.
When the consumption history or the schedule information is changed, the consumption pattern generating means changes the money consumption pattern based on the changed consumption history or the schedule information.
The updating means changes the sub-period information by newly generating sub-period information based on the changed money consumption pattern. The information processing device described in.
8. When the remaining amount of the credit card usage limit is less than or equal to the predetermined value, when the remaining amount of the maximum usable amount set by the user for the unit usage period is less than or equal to the predetermined value, or when the user is in a certain sub-period 1. It has a warning means for giving a warning to the user when the amount of money consumed exceeds the usable amount of money associated with the sub-period. To 7. The information processing device according to any one.
9. In the sub-period information, the length of the first sub-period is longer than the length of the second sub-period after the first sub-period. ~ 8. The information processing device according to any one.
10. A control method performed by a computer
A consumption pattern acquisition step to acquire a money consumption pattern that represents a tendency of a credit card user to consume money,
For the credit card, the unit usage period, which is the period from the first payment date to the next second payment date, is divided into a plurality of sub-periods, and based on the money consumption pattern, the credit card is described for each sub-period. A sub-period information generation step that generates sub-period information indicating the amount of credit card that can be used, and
Control method having.
11. It has a consumption pattern generation step of acquiring the consumption history of money by the user or the schedule information of the user and generating the money consumption pattern based on the acquired consumption history or schedule information.
The consumption pattern acquisition step acquires the user's money consumption pattern generated by the money consumption pattern generation step. The control method described in.
12. With respect to the generated sub-period information, there is an update step of changing the length of the sub-period or changing the usable amount in the sub-period. Or 11. The control method described in.
13. The renewal step is performed when the remaining credit card usage limit falls below a predetermined value at a certain point in time after the first payment date and before the second payment date, or the unit usage. When the balance of the maximum usable amount set by the user for the period is less than or equal to the predetermined value, the length of the sub-period after that point is shortened, or the usable amount in the sub-period after that point is set. Reduce, 12. The control method described in.
14. In the update step, the amount of money consumed by the user in a sub-period including a certain time point after the first payment date and before the second payment date is the available amount associated with the sub-period. If the amount exceeds, the amount of money that can be used in the sub-period after that point will be reduced. The control method described in.
15. The update step changes the sub-period information by generating new sub-period information based on the changed money consumption pattern when the money consumption pattern is changed. The control method described in.
16. It has a consumption pattern generation step of acquiring the consumption history of money by the user or the schedule information of the user and generating the money consumption pattern based on the acquired consumption history or schedule information.
When the consumption history or the schedule information is changed, the consumption pattern generation step changes the money consumption pattern based on the changed consumption history or the schedule information.
12. The update step modifies the sub-period information by generating new sub-period information based on the modified monetary consumption pattern. The control method described in.
17. When the remaining amount of the credit card usage limit is less than or equal to the predetermined value, when the remaining amount of the maximum usable amount set by the user for the unit usage period is less than or equal to the predetermined value, or when the user is in a certain sub-period 10. It has a warning step that warns the user when the amount spent exceeds the usable amount associated with the sub-period. To 16. The control method according to any one.
18. In the sub-period information, the length of the first sub-period is longer than the length of the second sub-period after the first sub-period. ~ 17. The control method according to any one.
19. 10. ~ 18. A program that causes a computer to execute each step of the control method described in any one of them.

300 Sub-period information 302 Sub-period 304 Usable amount 400 Transition information 402 Date 404 Estimated consumption amount 406 Fixed flag 500 Schedule information 502 Date 504 Schedule name 506 Estimated consumption amount 600 History information 602 Date 604 Consumption amount 606 Fixed flag 1000 Computer 1020 Bus 1040 Processor 1060 Memory 1080 Storage 1100 Input / output interface 1120 Network interface 2000 Information processing device 2020 Consumption pattern acquisition unit 2040 Sub-period information generation unit 2060 Consumption pattern generation unit 2080 Update unit 2100 Warning unit 3000 Computer

Claims (11)

A consumption pattern acquisition means for acquiring a money consumption pattern representing a tendency of the credit card user to consume money in the unit usage period, which is the period from the first payment date of the credit card to the second payment date after that.
Dividing the unit utilization period into a plurality of sub-periods, the available amount of the credit card before each SL sub-period, and the amount available for distribution by the unit available period set with respect to the credit card, and the acquired money A sub-period information generating means that calculates based on the tendency of money consumption in the unit usage period indicated by the consumption pattern and generates sub-period information indicating the calculated usable amount for each sub-period.
Information processing device with. It has a consumption pattern generation means that acquires the consumption history of money by the user or the schedule information of the user and generates the money consumption pattern based on the acquired consumption history or schedule information.
The information processing device according to claim 1, wherein the consumption pattern acquisition means acquires the user's money consumption pattern generated by the consumption pattern generation means. The information processing apparatus according to claim 1 or 2, further comprising an updating means for changing the length of the sub-period or changing the usable amount in the sub-period with respect to the generated sub-period information. The renewal means is used when the remaining credit card usage limit falls below a predetermined value at a certain point in time after the first payment date and before the second payment date, or when the unit is used. When the balance of the maximum usable amount set by the user for the period is less than or equal to the predetermined value, the length of the sub-period after that point is shortened, or the usable amount in the sub-period after that point is set. The information processing apparatus according to claim 3, wherein the amount is reduced. In the renewal means, the amount of money consumed by the user in a sub-period including a certain time point after the first payment date and before the second payment date is the usable amount associated with the sub-period. The information processing apparatus according to claim 3, wherein the usable amount in the sub-period after that time is reduced when the amount exceeds. The update means according to claim 3, wherein when the money consumption pattern is changed, the sub-period information is changed by newly generating sub-period information based on the changed money consumption pattern. Information processing equipment. It has a consumption pattern generation means that acquires the consumption history of money by the user or the schedule information of the user and generates the money consumption pattern based on the acquired consumption history or schedule information.
When the consumption history or the schedule information is changed, the consumption pattern generating means changes the money consumption pattern based on the changed consumption history or the schedule information.
The information processing apparatus according to claim 3, wherein the updating means changes the sub-period information by newly generating sub-period information based on the changed money consumption pattern. When the remaining amount of the credit card usage limit is less than or equal to the predetermined value, when the remaining amount of the maximum usable amount set by the user for the unit usage period is less than or equal to the predetermined value, or when the user is in a certain sub-period The information processing according to any one of claims 1 to 7, further comprising a warning means for giving a warning to the user when the amount of money consumed exceeds the usable amount associated with the sub-period. Device. In the sub-period information, the length of the first sub-period is longer than the length of the second sub-period after the first sub-period, according to any one of claims 1 to 8. Information processing equipment. A control method performed by a computer
A consumption pattern acquisition step for acquiring a money consumption pattern representing a tendency of the credit card user to consume money in a unit usage period, which is a period from the first payment date of the credit card to the second payment date following the credit card.
Dividing the unit utilization period into a plurality of sub-periods, the available amount of the credit card before each SL sub-period, and the amount available for distribution by the unit available period set with respect to the credit card, and the acquired money A sub-period information generation step that calculates based on the tendency of money consumption in the unit usage period indicated by the consumption pattern and generates sub-period information indicating the calculated usable amount for each sub-period.
Control method having. A program that causes a computer to execute each step of the control method according to claim 10.

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