JP7000292B2 - Information processing equipment, systems, and programs - Google Patents

Description

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

With the spread of the Internet, various institutions such as banks, credit card companies, and virtual currency exchanges are providing users with services for managing deposits and withdrawals between their accounts via the Internet.

For example, in Patent Document 1, a remittance request is transmitted from a mobile terminal as a remittance source to a mobile terminal as a remittance destination and a remittance request for which a remittance amount is set, and the remittance management device responds to the remittance request to the remittance destination. A remittance management system that performs remittance payments is described. On the remittance instruction screen displayed on the mobile terminal that is the remittance source, the remittance destination is set by inputting the telephone number, personal number, etc. of the remittance destination. Then, when other information regarding the remittance is further input and the confirmation button is selected, a confirmation instruction of the remittance content is sent from the mobile terminal as the remittance source to the charge management device.

Japanese Unexamined Patent Publication No. 2010-97325

However, inputting information on the remittance destination is complicated, and a user interface that can give a remittance instruction with a simpler operation is desired.

Therefore, an object of the present invention is to provide an information processing device, a system, and a program with greatly improved operability related to transfer processing.

The information processing apparatus according to one aspect of the present invention includes an operation unit, a display unit, a display processing unit that displays a plurality of account areas corresponding to at least one account on the display unit, and an operation unit. Based on the operation of the account area selection reception unit that accepts the selection of one of the plurality of account areas and the operation unit, from one account area to the other account area of the plurality of account areas. A gesture operation detector that detects a gesture operation that represents the route to go, and a second account that corresponds to another account area from the first account corresponding to one account area to at least some funds when the gesture operation is detected. A transfer request signal transmission unit for transmitting a transfer request signal to the computer is provided.

According to the present invention, it is possible to provide an information processing apparatus having significantly improved operability related to transfer processing.

It is a figure which shows an example of the structure of the information processing system which concerns on one Embodiment of this invention. It is a figure which shows an example of the structure of the user terminal which concerns on one Embodiment of this invention. It is a figure which shows an example of the operation flow of the transfer processing by the information processing system which concerns on one Embodiment of this invention. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays. It is a figure which shows an example of the screen which the display unit which concerns on one Embodiment of this invention displays.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

(1) Configuration Example of Information Processing System 1 FIG. 1 is a diagram showing an example of the configuration of the information processing system 1 according to the embodiment. The information processing system 1 includes, for example, a user terminal 10, a transfer management system 20, and a plurality of institutional systems 30 (30a, 30b, 30c, etc.) connected to each other so as to be communicable via a communication network N.

The user terminal 10 is a computer used by the user, and is, for example, a personal computer, a smartphone, a tablet terminal, a mobile terminal, or the like. More specifically, the user terminal 10 stores storage resources such as a communication interface for connecting to the communication network N, a disk drive, or a semiconductor memory (ROM, RAM, etc.) in addition to the display unit 11 and the operation unit 12, which will be described later. I have. The user terminal 10 can access the transfer management system 20 and the institutional system 30 by, for example, a web browser or a dedicated application. When the user terminal 10 receives a predetermined operation by the user, the user terminal 10 transmits a signal requesting the transfer of funds between accounts to the transfer management system 20. The detailed configuration of the user terminal 10 will be described later.

The transfer management system 20 provides services such as transfer of funds between accounts managed by the institutional system 30, and is composed of one or a plurality of computers. For example, the transfer management system 20 may be realized by a cloud system. As shown in FIG. 1, the transfer management system 20 includes, for example, a receiving unit 21 and a transfer processing execution unit 22. These are functional modules realized by the processor executing the program stored in the storage device in the transfer management system 20. The receiving unit 21 receives a signal from the user terminal 10 requesting the transfer of funds between accounts. The transfer processing execution unit 22 controls each institutional system 30 based on the signal, and transfers a predetermined amount of funds from the transfer source account (first account) to the transfer destination account (second account). Specifically, an instruction for transferring a predetermined amount of funds from the transfer source account to the transfer destination account is given to the institutional system 30 having the transfer source account by using, for example, API (Application Programming Interface). And send.

The institutional system 30 is operated by institutions such as credit card companies, electronic commerce companies, debit card companies, banks, and virtual currency (cryptocurrency) exchanges, and is used to manage deposits and withdrawals of accounts provided by these institutions. It is a system. The engine system 30 is composed of one or a plurality of computers.

(2) Configuration Example of User Terminal 10 FIG. 2 is a diagram showing an example of the configuration of the user terminal 10. The user terminal 10 includes a display unit 11, an operation unit 12, a notification unit 13, a processing unit 14, and a storage unit 15.

The display unit 11 may be any device as long as it can display an image, an image, or the like, and is, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like. The display unit 11 displays an image or the like corresponding to the image data supplied from the processing unit 14.

The operation unit 12 may be any device as long as the user terminal 10 can be operated (click, tap, swipe, pinch, drag, drop, etc.), and may be, for example, a touch pad, keyboard, button, mouse, or the like. Further, the operation unit 12 may be configured by the housing itself of the device so that the flick operation can be performed. When operated by the user, the operation unit 12 generates a signal corresponding to the operation and supplies the signal to the processing unit 14.

The notification unit 13 may be any device as long as it is possible to give various notifications to the user in various modes. For example, the notification unit 13 may be a speaker or the like capable of giving a notification by outputting voice. Alternatively, the notification unit 13 may be a vibration unit capable of giving notification by generating vibration.

As functional modules, the processing unit 14 includes a display processing unit 141, an account area selection reception unit 142, a gesture operation detection unit 143, a transfer condition reception unit 144, a transfer request signal transmission unit 145, and a notification processing unit 146. including.

Each functional module included in the processing unit 14 is realized, for example, by executing a program stored in a storage device included in the user terminal 10 by a processor. The program may be downloaded to the storage device of the user terminal 10 via, for example, a non-temporary recording medium. Alternatively, the program may be downloaded from another information processing device, for example, via the communication network N.

Further, each functional module included in the processing unit 14 may be realized by the user terminal 10 accessing the transfer management system 20 via a Web browser and executing the program stored in the transfer management system 20. ..

The display processing unit 141 causes the display unit 11 to display various screens related to the transfer processing described later. The account area selection reception unit 142 accepts the selection of the account area related to the transfer source account based on the operation of the operation unit 12. The gesture operation detection unit 143 detects a gesture operation representing a route from the account area related to the transfer source account to the account area related to the transfer destination account based on the operation of the operation unit 12. The transfer condition reception unit 144 accepts the setting of various transfer conditions. When the gesture operation is detected, the transfer request signal transmission unit 145 transmits a request signal requesting the transfer of funds from the transfer source account to the transfer destination account to the transfer management system 20. When the selection of the transfer source account is accepted, the notification processing unit 146 indicates whether or not at least one of the plurality of account areas corresponds to an account in which the transfer of funds from the transfer source account is restricted. Is notified in various ways. For example, if there is a currency to which a premium (the amount added to the consideration required for acquisition) is added at the expense of the administrator, etc., the currency is to be prevented from increasing infinitely by repeating the transfer. Transfers from one's account to another currency's account are restricted.

A specific example of notification processing by the notification processing unit 146 will be described. For example, when the selection of the transfer source account is accepted, the notification processing unit 146 allocates at least one account area to an account in which the transfer of funds from the transfer source account is restricted and an account in which the transfer of funds is not restricted. The display unit 11 may be displayed in such a manner that it can be identified which one corresponds to. More specifically, the account area corresponding to the account in which the transfer of funds from the transfer source account is restricted is less conspicuous than the peripheral area (including other account areas), etc., from the transfer source account. Accounts for which transfer of funds is not restricted may be displayed in a more conspicuous manner than peripheral areas (including other account areas).

Alternatively, when the gesture operation is detected, the notification processing unit 146 notifies whether or not the transfer of funds from the selected transfer source account to the transfer destination account is restricted. More specifically, the notification processing unit 146 may display, for example, the fact that the transfer of funds is restricted (symbols, words, etc.) on the display unit 11. Alternatively, the notification processing unit 146 may output a voice to that effect to the notification unit 13. Alternatively, the notification processing unit 146 may notify by generating vibration by the notification unit 13.

The storage unit 15 is a memory composed of the above-mentioned storage resources, and stores various data and programs. The storage unit 15 stores arbitrary information related to the account, such as bibliographic information, deposit amount information, and transaction information. The information related to these accounts may be acquired from the transfer management system 20 or each institution system 30. Further, depending on the account, the transfer of funds to a specific account may be restricted, and the storage unit 15 also stores information regarding such restrictions on the transfer between accounts.

(3) Operation flow of transfer processing FIG. 3 is a diagram showing an example of an operation flow of transfer processing by the information processing system 1.

First, the display processing unit 141 of the user terminal 10 causes the display unit 11 to display a screen including a plurality of account areas (S201). Next, the account area selection receiving unit 142 accepts the selection of one account area as the transfer source account from the plurality of account areas based on the operation of the operation unit 12 by the user (S202). The operation may be, for example, a tap operation, a click operation, a button pressing operation, or the like. When there is a selection operation, the display processing unit 141 may highlight the selected account area in any manner. At this time, when the selection of the transfer source account is accepted, the notification processing unit 146 divides at least one account area into an account in which the transfer of funds from the transfer source account is restricted and an account in which the transfer is not restricted. The display unit 11 may be displayed in such a manner that it can be identified which one corresponds to.

Next, the gesture operation detection unit 143 detects a gesture operation representing a route from the account area related to the transfer source account to another account area as the transfer destination account, based on the operation of the operation unit 12 by the user (the gesture operation detection unit 143). S203). If the account related to the other account area is an account in which the transfer of funds from the selected transfer source account is restricted, the gesture operation detection unit 143 performs a gesture operation indicating a route to the account area. It does not have to be detected. Further, in this case, when the gesture operation is detected, the notification processing unit 146 may notify whether or not the transfer of funds from the selected transfer source account to the transfer destination account is restricted by the method described above. good. Next, the transfer condition receiving unit 144 accepts the setting of the transfer condition (S204). Specifically, the transfer condition reception unit 144 accepts the setting of transfer conditions such as the amount of funds to be transferred, the scheduled execution date of the transfer, and the repeat condition of the transfer. Next, the transfer request signal transmission unit 145 transmits the transfer request signal to the transfer management system 20 (S205).

Next, the receiving unit 21 of the transfer management system 20 receives the transfer request signal from the user terminal 10 (S206). Next, the transfer processing execution unit 22 of the transfer management system 20 cooperates with the institutional system 30 to transfer funds from the transfer source account to the transfer destination account based on the received transfer request signal (S207). ..

(4) Screen Example An example of a screen displayed by the user terminal 10 will be described with reference to FIGS. 4 to 8. The screens shown in FIGS. 4 to 8 are not limited to these, but are examples of screens displayed on the user terminal 10 when the user terminal 10 is a personal computer or a tablet terminal.

FIG. 4 is an example of a home screen. The home screen has a plurality of account areas 1001 (1001a to 1001h). Each account area corresponds to at least one account managed by a given institution. In the example shown in FIG. 4, the account areas 1001a to c correspond to bank accounts, the account areas 1001d to f correspond to virtual currency accounts, and the account areas 1001g and h correspond to loan accounts. In each account area 1001, the name of the institution that manages the account, the balance of funds deposited in the account, and the like are displayed. The items displayed in each account area 1001 are not limited to these, and may include other arbitrary items such as information on past deposits and withdrawals. On the screen, the user can select one account area as the transfer source account by operating the operation unit 12.

FIG. 5 is an example of a screen during the gesture operation after the transfer source account is selected. After the transfer source account is selected by the operation of the operation unit 12, when the swipe operation or drag operation by the operation unit 12 is started, the duplication area 1001a'of the account area 1001a related to the transfer source account is swiped or dragged. Is displayed to follow. The duplication area 1001a'may have transparency so that the objects behind it can be visually recognized.

FIG. 6 is an example of a screen for setting conditions related to transfer. Here, it is assumed that the route related to the gesture operation is a route from the account area 1001a to the account area 1001b. At this time, the account related to the account area 1001b located at the end point of the route becomes the transfer destination account. When the gesture operation detection unit 143 detects the gesture operation, the display processing unit 141 displays an arrow 1002 on the screen starting from the account area 1001a related to the transfer source account and ending at the account area 1001b related to the transfer destination account. .. Further, the display processing unit 141 displays, for example, a window 1003 for setting a predetermined condition relating to the transfer of funds. In the area displayed as "moving amount" included in the window 1003, the amount of funds to be transferred can be input. The "move money" contained in window 1003 is an example of a selection unit for determining the transfer of funds. When the selection unit is selected, the transfer request signal transmission unit 145 transmits the transfer request signal to the transfer management system 20.

FIG. 7 is an example of a screen for setting a repetitive transfer reservation. As shown in FIG. 7, in the window 1003, a question text asking whether to make a repeated reservation for the transfer is displayed. For example, when "reserve" is selected, the transfer request signal transmission unit 145 transmits a request signal for repeatedly executing the transfer under predetermined conditions to the transfer management system 20. Then, as shown in FIG. 8, a word indicating that the repetitive transfer reservation has been accepted is displayed in the window 1003, and the process ends. On the other hand, when "No (close this screen)" is selected on the screen shown in FIG. 7, the process ends.

(5) Other Screen Examples With reference to FIGS. 9 to 13, another example of the screen displayed by the user terminal 10 will be described. The screens shown in FIGS. 4 to 8 are not limited to these, but are examples of screens displayed on the user terminal 10 when the user terminal 10 is a personal computer or a tablet terminal.

FIG. 9 is an example of a home screen. The home screen has a transfer source account selection area 2000A, a transfer destination account selection area 2000B, and an arrow object 2002 arranged between them and extending from the transfer source account selection area 2000A to the transfer destination account selection area 2000B. In the transfer source account selection area 2000A, at least one account area 2001a is displayed as a candidate for the transfer source account. Then, each time an object represented by "<" or ">" arranged on the left and right of the transfer source account selection area 2000A is selected, another account area 2001a is sequentially displayed in the transfer source account selection area 2000A. Will be done. Similarly, in the transfer destination account selection area 2000B, at least one account area 2001b is displayed as a candidate for the transfer destination account. Then, each time an object represented by "<" or ">" arranged on the left and right of the transfer destination account selection area 2000B is selected, another account area 2001b is sequentially displayed in the transfer destination account selection area 2000B. Will be done. If there is an account in which the transfer of funds from the selected transfer source account is restricted, the display processing unit 141 does not display the account area corresponding to the restricted account in the transfer destination account selection area 2000B. You may.

The account area selection reception unit 142 receives that the displayed account area 2001a is selected as the transfer source account every time the account area 2001a displayed in the transfer source account selection area 2000A is updated. Then, for example, when the flick operation is performed by the operation unit 12 configured by the housing itself of the user terminal 10 as described above, the gesture operation detection unit 143 detects the flick operation. That is, the gesture operation detection unit 143 detects a gesture operation representing a route from the account area 2001a displayed in the transfer source account selection area 2000A to the account area 2001b displayed in the transfer destination account selection area 2000B. As a result, the account related to the account area 2001b displayed in the transfer destination account selection area 2000B is selected as the transfer destination account.

FIG. 10 is an example of a screen for setting conditions related to transfer after a gesture operation is detected. When the gesture operation detection unit 143 detects the gesture operation, the display processing unit 141 displays an arrow object 2002 on the screen starting from the account area 2001a related to the transfer source account and ending at the account area 2001b related to the transfer destination account. do. Further, the display processing unit 141 displays, for example, a window 2003 for setting predetermined conditions relating to the transfer of funds. In the area displayed as "moving amount" included in the window 2003, the amount of funds to be transferred can be entered. The part displayed at the top of the screen where "Move money" is displayed is an example of a selection unit for determining the transfer of funds. When the selection unit is selected, the transfer request signal transmission unit 145 transmits the transfer request signal to the transfer management system 20.

FIG. 11 is an example of a screen for setting a repetitive transfer reservation. As shown in FIG. 11, in the window 2003, a question text asking whether to make a repetitive reservation for the transfer is displayed. For example, when "reserve" is selected, the transfer request signal transmission unit 145 transmits a request signal for repeatedly executing the transfer under predetermined conditions to the transfer management system 20. On the other hand, when "No (close this screen)" is selected on the screen shown in FIG. 11, the process ends.

FIG. 12 is a screen for setting a repetitive reservation for transfer. The screen is displayed, for example, by selecting "Reserve" on the screen shown in FIG. As shown in FIG. 12, the screen includes setting items such as a repeat interval, a date, an execution date in the case of a holiday / holiday, and an end date as the setting for repeating the transfer of funds. As for the repetition interval, for example, a unit such as hourly, weekly, monthly, yearly, or a numerical value can be selected from the pull-down menu. By setting the date, for example, it is possible to set the transfer to be executed on a fixed date every month. Further, when the set transfer execution date is a holiday or a holiday, the transfer can be set to be executed on the previous business day or the next business day instead of the execution date. It is also possible to select the number of repetitions. When the setting of the repetitive transfer reservation is completed, as shown in FIG. 13, a word indicating that the repetitive transfer reservation has been accepted is displayed on the screen, and the process is completed.

The embodiments described above are for facilitating the understanding of the present invention, and are not for limiting the interpretation of the present invention. Each element included in the embodiment and its arrangement, material, condition, shape, size, and the like are not limited to those exemplified, and can be appropriately changed. Further, it is possible to partially replace or combine the configurations shown in different embodiments.

1 ... Information processing system, 10 ... User terminal, 11 ... Display unit, 12 ... Operation unit, 13 ... Notification unit, 14 ... Processing unit, 141 ... Display processing unit, 142 ... Account area selection reception unit, 143 ... Gesture operation detection Unit, 144 ... Transfer condition reception unit, 145 ... Transfer request signal transmission unit, 146 ... Notification processing unit, 15 ... Storage unit, 20 ... Transfer management system, 21 ... Reception unit, 22 ... Transfer processing execution unit, 30, 30a, 30b, 30c ... Engine system

Claims (7)

For computers equipped with an operation unit and a display unit
A step of displaying a plurality of account areas, each corresponding to at least one account, on the display unit.
A step of accepting the selection of one of the plurality of account areas based on the operation of the operation unit, and
When the selection of the one account area is accepted, the transfer of funds from the first account corresponding to the one account area is restricted for at least one of the plurality of account areas. A step of detecting a gesture operation representing a route from the one account area to another account area among the plurality of account areas based on the operation of the operation unit.
When the gesture operation is detected, a step of transmitting a request signal to transfer at least some funds from the first account to the second account corresponding to the other account area, and
When the selection of the one account area is accepted, whether or not at least one of the plurality of account areas corresponds to the account in which the transfer of funds from the first account is restricted. It is a program to execute the step to notify and
In the step of notifying, when the selection of the one account area is accepted, the transfer of funds from the first account to each of the account areas other than the one account area among the plurality of account areas is performed. A program comprising a step of displaying on the display unit in an identifiable manner whether it corresponds to a restricted account or an account in which the transfer of funds from the first account is not restricted . To the computer
When the gesture operation is detected, a step of displaying a window for setting a predetermined condition relating to the transfer of funds from the first account to the second account on the display unit, and a step of displaying the window.
The program according to claim 1, wherein the step of accepting the setting of the predetermined condition is further executed based on the operation of the operation unit. The program according to claim 2, wherein the predetermined conditions include at least one of an amount of funds to be transferred, a scheduled execution date of the transfer, and a repeat condition of the transfer. The step of notifying further comprises a step of notifying whether or not the transfer of funds from the first account to the second account is restricted when the gesture operation is detected, according to claims 1 to 3. The program described in any one of the sections . The program according to any one of claims 1 to 4 , wherein the gesture operation is a drag-and-drop operation or a flick operation by the operation unit. A system including a server device for managing the transfer of funds between a plurality of accounts and a user terminal having an operation unit and a display unit.
The user terminal is
A display processing unit that displays a plurality of account areas, each corresponding to at least one account, on the display unit.
An account area selection reception unit that accepts selection of one of the plurality of account areas based on the operation of the operation unit, and
A gesture operation detection unit that detects a gesture operation representing a route from the one account area to another account area among the plurality of account areas based on the operation of the operation unit.
When the gesture operation is detected, a request signal for transferring at least some funds from the first account corresponding to the one account area to the second account corresponding to the other account area is transmitted to the server device. Transfer request signal transmitter and
When the account area selection reception unit accepts the selection of the one account area, the transfer of funds from the first account is restricted to at least one of the plurality of account areas. It is equipped with a notification processing unit that notifies whether or not it corresponds .
The server device is
A receiver that receives the request signal and
A system including a transfer processing execution unit that executes a transfer process of funds from the first account to the second account in response to the request signal when the request signal is received .
When the account area selection reception unit accepts the selection of the one account area, the notification processing unit sets each of the account areas other than the one account area among the plurality of account areas into the first account. A system for displaying on the display unit in an identifiable manner whether it corresponds to an account in which the transfer of funds from the first account is restricted or an account in which the transfer of funds from the first account is not restricted . Operation unit and
Display and
A display processing unit that displays a plurality of account areas, each corresponding to at least one account, on the display unit.
An account area selection reception unit that accepts selection of one of the plurality of account areas based on the operation of the operation unit, and
A gesture operation detection unit that detects a gesture operation representing a route from the one account area to another account area among the plurality of account areas based on the operation of the operation unit.
When the gesture operation is detected, a transfer request signal for transmitting a request signal to transfer at least some funds from the first account corresponding to the one account area to the second account corresponding to the other account area. With the transmitter
When the account area selection reception unit accepts the selection of the one account area, the transfer of funds from the first account is restricted to at least one of the plurality of account areas. An information processing device including a notification processing unit for notifying whether or not to support .
When the account area selection reception unit accepts the selection of the one account area, the notification processing unit sets each of the account areas other than the one account area among the plurality of account areas into the plurality of accounts. Whether at least one of the areas corresponds to an account in which the transfer of funds from the first account is restricted or an account in which the transfer of funds from the first account is not restricted. An information processing device for displaying on the display unit in an identifiable manner .

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