JP6934030B2 - Information processing device and information processing method - Google Patents

Description

The present invention relates to an information processing device and an information processing method for associating a plurality of account information.

An integrated service that acquires transaction information from each of a plurality of services that provide transaction information such as deposits and withdrawals and shopping, and provides information collectively is known. For example, in Patent Document 1, account information for a user to access an institution that provides transaction information is registered, an institution for which account information is not registered is specified, and account information corresponding to the specified institution is specified. A system that recommends the registration of the user to the user is disclosed. Patent Document 2 discloses a system that proposes registration of account information of a predetermined institution that is likely to be used by the user based on the personal information of the user.

Japanese Patent No. 6389222 Japanese Patent No. 4320034

The methods described in Patent Document 1 and Patent Document 2 can prompt the user to register the account information by recommending the user to register the account information corresponding to the specified institution. However, there is a problem that the work of registering the account information is complicated for the user.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide an information processing device and an information processing method capable of easily registering account information.

The information processing device according to the first aspect of the present invention has a first account information which is the account information of the user corresponding to the first service and a second account which is the account information of the user corresponding to the second service. The user corresponding to the third service, which transmits the second account information to the storage unit that stores the information in association with the information and the device that provides the second service, and is associated with the second account information. The account information acquisition unit that acquires the third account information, which is the account information of the above, and the third account information acquired by the account information acquisition unit are stored in the storage unit in association with the first account information. It includes a storage control unit.

The information processing method according to the second aspect of the present invention transmits the second account information, which is the account information of the user corresponding to the second service, to the device that provides the second service, which is executed by the computer. The step, the step of acquiring the third account information, which is the account information of the user corresponding to the third service, which is associated with the second account information, from the device, and the step of the user corresponding to the first service. In the storage unit that stores the first account information, which is the account information, in association with the second account information, the storage unit includes a step of storing the acquired third account information in association with the first account information.

According to the present invention, there is an effect that account information can be easily registered.

It is a figure which shows the outline of the information processing apparatus which concerns on this embodiment. It is a figure which shows the structure of the information processing apparatus which concerns on this embodiment. It is a figure which shows an example of the account management information which concerns on this embodiment. It is a figure which shows an example of the screen which contains the integrated information which concerns on this embodiment. It is a figure which shows an example of the approval acceptance screen which concerns on this embodiment. It is a flowchart which shows the flow of processing until the information processing apparatus which concerns on this embodiment associates a third account information with a user ID.

[Overview of Information Processing Device 1]
FIG. 1 is a diagram showing an outline of the information processing device 1 according to the present embodiment. The information processing device 1 is a first service that aggregates and manages account information of a plurality of services and provides a user with integrated information that integrates asset balance information related to the user's assets or balance provided by each of the plurality of services. It is a computer that provides integrated services as. In the present embodiment, the information processing device 1 is assumed to be one computer, but is not limited to this, and may be composed of a plurality of computers.

The information processing device 1 communicates with a second server 2 that provides a second service, a third server 3 that provides a third service, and a user terminal 4 used by a user via a communication network such as the Internet. It is connected as possible. The user terminal 4 is, for example, a mobile terminal such as a smartphone or a tablet PC, or a personal computer.

Here, the second service is a service already associated with the integrated service, and is a service provided by a business operator different from the business operator of the integrated service (first service). The third service is a service associated with the second service, and is a service provided by a business operator different from the business operator of the integrated service and the business operator of the second service. Further, it is assumed that the business operator of the second service and the business operator of the third service have agreed in advance with the user to provide the account information to the business operator of the first service.

The second server 2 and the third server 3 are, for example, front-end servers that accept access from the user terminal 4. The second server 2 and the third server 3 are not limited to the front-end server, and may be a back-end server different from the front-end server by providing a function related to authentication.

In the example shown in FIG. 1, the information processing device 1 corresponds to a user ID that identifies the user, which is account information (first account information) of a user who uses the integrated service, and the second service. It is stored in association with the second account information, which is the user's account information.

The information processing device 1 transmits a request for acquiring the third account information associated with the second account information to the second server 2 that provides the second service. The second server 2 itself transmits the third account information corresponding to the third service, which is associated with the second account information, to the information processing device 1.

When the third account information acquired from the second server is not associated with the user ID, the information processing device 1 additionally registers the third account information by storing the third account information in association with the user ID. conduct. By doing so, the information processing apparatus 1 can easily register the third account information without receiving an input for registering the third account information from the user.

After that, when the information processing device 1 acquires the user ID from the user terminal 4, the information processing apparatus 1 of the second server 2 and the third server 3 is based on the second account information and the third account information associated with the user ID, respectively. Obtain asset balance information from. Then, the information processing device 1 transmits the integrated information in which the acquired asset balance information is integrated to the user terminal 4, and displays the integrated information. As a result, the user can collectively check the assets and the balance corresponding to the plurality of asset balance information.

[Configuration of information processing device 1]
Subsequently, the configuration of the information processing device 1 will be described. FIG. 2 is a diagram showing a configuration of an information processing device 1 according to the present embodiment. As shown in FIG. 2, the information processing device 1 includes a storage unit 11 and a control unit 12.

The storage unit 11 is a storage medium including a ROM (Read Only Memory), a RAM (Random Access Memory), and the like. The storage unit 11 stores a program executed by the control unit 12. For example, the storage unit 11 causes the control unit 12 to function as an asset balance information acquisition unit 121, a generation unit 122, a transmission unit 123, an approval reception unit 124, an account information acquisition unit 125, a storage control unit 126, and a notification unit 127. I remember the program.

Further, the storage unit 11 associates the user ID of the integrated service, which is the account information of the user who uses the integrated service, with the plurality of account information of the user corresponding to each of the plurality of services that provide the asset balance information. Memorize account management information. The account information is, for example, a combination of a user ID and a password in the service for logging in to a service that provides the asset balance information and acquiring the asset balance information.

FIG. 3 is a diagram showing an example of account management information according to the present embodiment. In the example shown in FIG. 3, the user ID "U0001" is stored in association with the second account information corresponding to each of the A service and the B service as the second service already associated with the integrated service. You can check.

Here, the services associated with the integrated service include an inquiry service for bank deposit / withdrawal information, a service for providing the usage status of a credit card, a service for using a mobile phone line, and a service for a telecommunications carrier to use a mobile phone line. Services that accompany the service, services that provide the status of assets such as stocks of securities companies, and services related to the use of electricity, gas, and water charges can be mentioned. The service associated with the integrated service is not limited to these, and may include other services that provide information on assets or income and expenditure.

The control unit 12 is, for example, a CPU (Central Processing Unit). By executing the program stored in the storage unit 11, the control unit 12 executes the asset balance information acquisition unit 121, the generation unit 122, the transmission unit 123, the approval reception unit 124, the account information acquisition unit 125, and the storage control unit 126. And functions as a notification unit 127.

The asset balance information acquisition unit 121 acquires a plurality of asset balance information corresponding to a plurality of services that provide the asset balance information based on a plurality of user account information stored in the storage unit 11. For example, the user terminal 4 transmits a request for acquisition of integrated information including the user ID of the integrated service to the information processing device 1 in response to the execution of the application program corresponding to the integrated service. The asset balance information acquisition unit 121 acquires an integrated information acquisition request from the user terminal 4.

The asset balance information acquisition unit 121 refers to the account management information of the storage unit 11 and identifies a plurality of account information associated with the user ID included in the integrated information acquisition request. The asset balance information acquisition unit 121 accesses each of the plurality of second servers 2 using the specified plurality of account information, and acquires the asset balance information of the user from each of the plurality of second servers 2.

The generation unit 122 generates integrated information that integrates the user's assets or the balance based on the plurality of asset balance information acquired by the asset balance information acquisition unit 121. For example, the generation unit 122 sets each of the plurality of services in advance to be a service that provides information on assets, a service that provides information on income and expenditure, or a service that provides information on both assets and income and expenditure. Classify if there is. The generation unit 122 calculates the asset amount of the user based on the asset balance information acquired from the service that provides the information about the asset among the plurality of services. Here, the user's asset is a financial asset. In addition, the generation unit 122 calculates the amount of income and the amount of expenditure of the user based on the asset balance information acquired from the service that provides the information on the balance among the plurality of services.

Here, the generation unit 122 may provide a plurality of expense items for each of the asset and the balance, and classify the asset balance information acquired by the asset balance information acquisition unit 121 into any of the plurality of expense items.

In addition, the generation unit 122 may generate integrated information indicating the asset status and the balance status of the user in a predetermined period. The predetermined period is, for example, the month to which the current date belongs. In addition, the generation unit 122 may generate integrated information indicating the asset status and the income and expenditure status of the user in each of the plurality of predetermined periods. For example, the generation unit 122 may generate integrated information indicating the asset status and the balance status on a monthly basis for a period from the present to several months ago.

The transmission unit 123 transmits a screen including the integrated information generated by the generation unit 122 to the user terminal 4, and causes the user terminal 4 to display the screen. FIG. 4 is a diagram showing an example of a screen including integrated information according to the present embodiment. In FIG. 4, it can be confirmed that the amount of financial assets that can be used by the user in a predetermined period and the income and expenditure of the user are displayed, which is the amount displayed directly under the notation "money that can be used this month". .. Further, at the lower part of the screen including the integrated information shown in FIG. 4, "Notification" is displayed, and a button for transitioning to the proposal screen for proposing the aggregation of account information of a plurality of services is provided.

The approval reception unit 124 receives approval from the user for the acquisition of the third account information associated with the second account information in the second service. For example, when the approval reception unit 124 does not accept the approval for the acquisition of the third account information and the button shown in FIG. 4 is pressed, the approval reception unit 124 displays the approval acceptance screen for accepting the approval for the acquisition of the third account information from the user. Displayed on the user terminal 4.

FIG. 5 is a diagram showing an example of an approval acceptance screen according to the present embodiment. On the screen shown in FIG. 5, it can be confirmed that the approval button for accepting the approval of the automatic registration of the account information of the service not associated with the integrated service is displayed. When the approval button is pressed on the user terminal 4, the user terminal 4 transmits the approval information including the user ID to the information processing device 1.

The storage unit 11 stores approval management information that manages the user ID of the user who has approved the automatic registration. When the approval reception unit 124 acquires the approval information, the user ID included in the approval information is registered in the approval management information, so that the user approves the acquisition of the third account information associated with the second account information. accept.

The account information acquisition unit 125 corresponds to the user when the approval reception unit 124 receives the approval from the user and the user ID of the user is included in the approval management information stored in the storage unit 11. Acquire the third account information from the second server 2.

Specifically, the account information acquisition unit 125 identifies a user whose user ID is included in the approval management information, and identifies a second account information associated with the user ID. The account information acquisition unit 125 transmits to the second server 2 an acquisition request including the specified second account information and requesting the acquisition of the third account information associated with the second account information.

When the second server 2 acquires an acquisition request requesting acquisition of the third account information from the information processing device 1, the second server 2 identifies the third account information associated with the second account information included in the acquisition request, and the relevant third account information is specified. The third account information is transmitted to the information processing device 1. In the second service, the account information acquisition unit 125 acquires the third account information associated with the second account information included in the acquisition request from the second server 2.

Further, in the second service, the account information acquisition unit 125 acquires the plurality of third account information from the second server 2 when the plurality of third account information is associated with the second account information. ..

The storage control unit 126 stores the third account information acquired by the account information acquisition unit 125 in the storage unit 11 in association with the user ID of the integrated service as the first account information. Specifically, when the third account information acquired by the account information acquisition unit 125 is not associated with the user ID of the integrated service, the storage control unit 126 stores the third account information in association with the user ID. Store in part 11.

After the third account information is stored in association with the user ID, the asset balance information acquisition unit 121 assigns the second account information previously associated with the user ID and the newly associated third account information to each of the second account information. Based on this, the second server 2 and the third server 3 are accessed, and the asset balance information is acquired from each of the second server 2 and the third server 3. As a result, the integrated information generated by the generation unit 122 also includes the asset balance information acquired from the third server 3. Therefore, by confirming the integrated information, the user can grasp the asset balance that summarizes the asset balance information corresponding to the second account information and the third account information.

When the third account information is not associated with the user ID of the integrated service, the storage control unit 126 stores the third account information in the storage unit 11 in association with the user ID, but the present invention is not limited to this. .. The storage control unit 126 is concerned when the asset balance indicated by the asset balance information corresponding to the second account information includes the same asset balance as the asset balance indicated by the asset balance information corresponding to the third account information. The third account information may be associated with the user ID and not stored in the storage unit 11. By doing so, the information processing apparatus 1 can prevent duplicate acquisition of the asset balance showing the same contents.

The notification unit 127 notifies the user that the third account information is associated with the user ID. For example, the notification unit 127 causes the user terminal 4 to display a notification screen notifying that the account information acquisition unit 125 has acquired the third account information and then associates the third account information with the user ID. By doing so, the user can recognize that the third account information is associated with the user ID.

[Processing flow of information processing device 1]
Subsequently, the flow of processing in the information processing apparatus 1 will be described. FIG. 6 is a flowchart showing a flow of processing until the information processing device 1 according to the present embodiment associates the third account information with the user ID.

First, the approval receiving unit 124 accepts the approval of the acquisition of the third account information associated with the second account information from the user (S1).
Subsequently, the account information acquisition unit 125 transmits a request for acquiring the third account information to the second server 2 (S2).

Subsequently, the account information acquisition unit 125 acquires the third account information from the second server 2 (S3).
Subsequently, the account information acquisition unit 125 identifies the third account information that is not associated with the user ID (S4), and stores the identified third account information in the storage unit 11 in association with the user ID (S5).

[Modification 1]
The account information acquisition unit 125 of the information processing device 1 receives the approval of the acquisition of the third account information associated with the second account information from the user in the second service, and the third account Information was obtained from the second server 2, but it is not limited to this. The account information acquisition unit 125 may acquire the third account information from the second server 2 without accepting the approval for the acquisition of the third account information from the user. In this case, the storage control unit 126 may receive permission from the user to store the third account information in association with the user ID of the integrated service. Then, the storage control unit 126 may store the third account information in association with the user ID of the integrated service in response to receiving permission from the user.

[Modification 2]
Further, the account information acquisition unit 125 may accept an instruction for acquiring the third account information from the user. In this case, the account information acquisition unit 125 determines whether or not the account information associated with the integrated service is insufficient based on the number of the second services already associated with the user ID and the contents of the second service. You may judge.

Further, the account information acquisition unit 125 provides an integrated service based on the result of the generation unit 122 classifying the assets and income and expenditure indicated by the asset income and expenditure information into a plurality of expense items provided for each of the assets and income and expenditure. It may be determined whether or not the associated account information is insufficient. For example, when the balance amount corresponding to a predetermined expense item is less than or equal to the predetermined amount, it is determined that the asset balance information of the service corresponding to the expense item has not been acquired and the account information of the service is insufficient. You may.

The account information acquisition unit 125 may accept an instruction to acquire the third account information from the user in response to the determination that the account information associated with the integrated service is insufficient. Then, when the account information acquisition unit 125 receives the instruction to acquire the third account information from the user, the third account information may be acquired from the second server 2.

[Effect in this embodiment]
As described above, the information processing device 1 according to the present embodiment stores the user ID of the user corresponding to the integrated service and the second account information which is the account information of the user corresponding to the second service in association with each other. Then, the second account information is transmitted to the second server 2 that provides the second service, and the third account information, which is the account information of the user corresponding to the third service, which is associated with the second account information, is transmitted. Obtained from the second server 2. Then, the information processing device 1 stores the acquired third account information in the storage unit 11 in association with the first account information. By doing so, the information processing apparatus 1 can easily register the third account information.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist thereof. be. For example, all or a part of the device can be functionally or physically distributed / integrated in any unit. Also included in the embodiments of the present invention are new embodiments resulting from any combination of the plurality of embodiments. The effect of the new embodiment produced by the combination also has the effect of the original embodiment.

1 ... Information processing device, 11 ... Storage unit, 12 ... Control unit, 121 ... Asset balance information acquisition unit, 122 ... Generation unit, 123 ... Transmission unit, 124 ... Approval reception unit, 125 ... account information acquisition unit, 126 ... memory control unit, 127 ... notification unit, 2 ... second server, 3 ... third server, 4 ... user terminal

Claims (11)

A storage unit that stores the first account information, which is the account information of the user corresponding to the first service, and the second account information, which is the account information of the user corresponding to the second service, in association with each other.
The user corresponding to the third service, which transmits the second account information to the second server that provides the second service and is stored in the second server in association with the second account information. and account information acquisition unit for acquiring a third account information which is the account information from the second server,
A storage control unit that stores the third account information acquired by the account information acquisition unit in the storage unit in association with the first account information.
Second information about the user's assets or balance stored in the second server that provides the second service corresponding to the second account information associated with the first account information in the storage unit. The user's assets or balance stored in a third server different from the second server that provides the third service corresponding to the third account information associated with the first account information in the storage unit. The third information about, the asset balance information acquisition department to acquire, and
A transmission unit that transmits integrated information that integrates the second information and the third information acquired by the asset balance information acquisition unit to the user.
Information processing device equipped with. The account information acquisition unit transmits the second account information to the second server that provides the second service, and the third account associated with the second account information in the second service. Obtaining information from the second server,
The information processing device according to claim 1. A notification unit for notifying the user that the third account information is associated with the first account information is further provided.
The information processing equipment according to claim 1 or 2. Further provided with an approval reception unit that accepts approval for acquisition of the third account information associated with the second account information from the user.
The account information acquisition unit acquires the third account information from the second server when the approval reception unit accepts the approval from the user.
The information processing device according to any one of claims 1 to 3. The account information acquisition unit acquires a plurality of the third account information associated with the second account information from the second server.
The information processing device according to any one of claims 1 to 4. The asset balance information acquisition unit acquires information on the user's assets or balance from the second server that provides the second service based on the second account information, and is based on the third account information. Obtain information about the user's assets or balance from the third server that provides the third service.
The information processing device according to any one of claims 1 to 5. The account information acquisition unit transmits the second account information to the second server that provides the second service of a business operator different from the business operator of the first service, and the first service and the said The third account information corresponding to the third service of a business operator different from each business operator of the second service is acquired from the second server.
The information processing device according to any one of claims 1 to 6. Computer runs,
A step of transmitting the second account information, which is the account information of the user corresponding to the second service, to the second server that provides the second service, and
A step of acquiring the third account information, which is the account information of the user corresponding to the third service, which is stored in the second server in association with the second account information, from the second server.
A first account information is account information of the user corresponding to the first service, the storage unit that associates and stores the second account information, the acquired third account information, to the first account information Steps to associate and memorize,
Second information about the user's assets or balance stored in the second server that provides the second service corresponding to the second account information associated with the first account information in the storage unit. The user's assets or balance stored in a third server different from the second server that provides the third service corresponding to the third account information associated with the first account information in the storage unit. Third information about, and the steps to get
A step of transmitting to the user integrated information that integrates the second information and the third information acquired in the step of acquiring information regarding the user's assets or income and expenditure.
Information processing method including. Further comprising a step of notifying the user that the computer has associated the third account information with the first account information.
The information processing method according to claim 8. The computer further comprises a step of accepting approval from the user for the acquisition of the third account information associated with the second account information.
In the step of acquiring the account information, when the approval is received from the user, the third account information is acquired from the second server.
The information processing method according to claim 8 or 9. In the step of acquiring the information on the asset or balance of the user, the information on the asset or balance of the user is acquired from the second server that provides the second service based on the second account information, and the information is obtained. Acquires information on the user's assets or balance from the third server that provides the third service based on the third account information.
The information processing method according to any one of claims 8 to 10.

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