JP7036982B1 - Information terminals, programs and information processing systems - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information terminal, a program and an information processing system which make it easy for a user to understand the contents of income and expenditure. SOLUTION: In an information processing system 100, an information terminal 40 is a first-use service identification information given to use a user identification information and a financial service, and a second use given to use a point providing service. A first transmission unit 452 that transmits a request associated with the service identification information, a second transmission unit 453 that transmits the user identification information after the first transmission unit transmits the request, and finance corresponding to the first usage service identification information. The first total information that totals the cash balance in the service, the second total information that totals the balance of points given by multiple point providing services corresponding to the second usage service identification information, the first total information, and the second total information. It has an acquisition unit 454 for acquiring the third total information summed up with the above, and a display control unit 455 for switching and displaying the first total information, the second total information, and the third total information. [Selection diagram] FIG. 4

Description

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

Conventionally, an aggregation service is known in which information on a user's assets or income and expenditure is acquired from each of a plurality of services that provide information such as deposits and withdrawals, and the acquired information is collectively provided (see, for example, Patent Document 1). ..

Japanese Unexamined Patent Publication No. 2018-07730

In the conventional aggregation service, the balance of cash held by the user and the balance of points that can be used for purchasing a product or using the service can be collectively displayed on the information terminal used by the user. However, even if the user wants to know either the cash balance or the point balance, it is difficult for the user to grasp the information that the user wants to know because the information regarding the cash balance and the point balance is displayed together. There was a problem.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to make it easier for the user to understand the contents of the balance that the user wants to know.

The information terminal according to the first aspect of the present invention includes user identification information for identifying a user and a plurality of first-use service identification information given to the user in order for the user to use a plurality of financial services. , And the first transmission unit that transmits a request for associating the plurality of second-use service identification information given to the user in order for the user to use the plurality of point-providing services to the information processing apparatus. A second transmission unit that transmits the user identification information to the information processing apparatus after the first transmission unit transmits the request, and a plurality of firsts associated with the user identification information transmitted by the second transmission unit. The first total information indicating the total amount of the total cash balance of the user in the plurality of financial services corresponding to the one-use service identification information, and the plurality associated with the user identification information transmitted by the second transmission unit. The second total information showing the total points of the total points that can be used to purchase the product given to the user in the plurality of point providing services corresponding to the second use service identification information of the above, and the first total. The acquisition unit that acquires the third total information indicating the total amount obtained by adding the total amount indicated by the information and the total amount corresponding to the total points indicated by the second total information from the information processing apparatus, and the user's It has a display control unit that switches between the first total information, the second total information, and the third total information and displays them on the display unit according to the operation.

The acquisition unit acquires a cash balance history indicating a history of occurrence of the cash balance, and the display control unit displays the cash balance history together with the first total information in the display unit in association with the first total information. It may be displayed.

The acquisition unit acquires a point balance history indicating a history in which the points are given and a history in which the points are used, and the display control unit obtains the point balance history in association with the second total information. It may be displayed on the display unit together with the total information.

The acquisition unit acquires a cash balance history showing a history of occurrence of the cash balance, a history of points being given, and a point balance history showing a history of using the points. The cash balance history and the point balance history may be displayed on the display unit together with the third total information in association with the third total information.

The display control unit totals the point balance of the plurality of types of conversion points obtained by converting the plurality of types of the points given to the user based on the plurality of conversion rates for converting each of the plurality of types of the points into cash. The third total information indicating the total amount obtained by totaling the total amount corresponding to the total points and the total amount indicated by the first total information may be displayed on the display unit.

The display control unit generates a first cash balance by using the first financial service among the plurality of financial services, and the second cash balance is generated in the second financial service corresponding to the first cash balance. When it occurs, the first total information that does not include either the first cash balance or the second cash balance, or the third total that does not include either the first cash balance or the second cash balance. The information may be displayed on the display unit.

The first total information includes the total cash income of the user and the total cash expenditure of the user, and the second total information is the total of the points acquired by the user. The third total information includes the acquisition points and the usage points obtained by totaling the points used by the user, and the third total information is the total income amount obtained by adding the cash income amount and the total amount corresponding to the acquisition points, and the cash expenditure. The display control unit includes the total amount of expenditure, which is the sum of the amount and the total amount corresponding to the usage points, and the display control unit includes the cash income amount, the cash expenditure amount, and the second total information included in the first total information. The acquisition point and the usage point included, or the total income amount and the total expenditure amount included in the third total information may be displayed on the display unit.

The acquisition unit is a classification acquisition point that totals the points acquired by the user and a classification usage point that totals the points used by the user in each of the plurality of types of points included in the total points indicated by the second total information. The display control unit displays a plurality of the category acquisition points or a plurality of the category use points corresponding to the plurality of types of points in association with the second total information or the third total information. It may be displayed.

The program according to the second aspect of the present invention comprises a computer with user identification information for identifying a user and a plurality of first-use services provided to the user for the user to use a plurality of financial services. A step of transmitting a request for associating the identification information and a plurality of second-use service identification information given to the user in order for the user to use each of the plurality of point providing services to the information processing apparatus, and the request. After transmission, the step of transmitting the user identification information to the information processing apparatus and the cash balance of the user in the plurality of financial services corresponding to the plurality of first-use service identification information associated with the user identification information. For the purchase of the product given to the user in the plurality of point providing services corresponding to the first total information indicating the total amount of the total amount and the plurality of second-use service identification information associated with the user identification information. The total amount of the second total information indicating the total points obtained by totaling the balance of available points, the total amount indicated by the first total information, and the total amount corresponding to the total points indicated by the second total information. The third total information indicating the above is displayed by switching between the step of acquiring the third total information from the information processing apparatus, the first total information, the second total information, and the third total information according to the operation of the user. Perform the steps to be displayed in the section.

The information processing system according to the third aspect of the present invention includes an information processing device that manages information regarding a user's balance in each of a plurality of financial services and a plurality of point providing services, and an information terminal used by the user. The information processing apparatus includes a plurality of user identification information for identifying the plurality of users, and a plurality of first-use service identification information given to the user in order for the user to use the plurality of financial services. , And the plurality of second-use service identification information given to each of the plurality of users in order for the plurality of users to use each of the plurality of point providing services, and the plurality of users in each of the plurality of financial services. A storage unit for storing the cash balance and the point balance of points given to each of the plurality of users in each of the plurality of point providing services, the user identification information, and the user corresponding to the user identification information. A first receiving unit that receives a request for associating the plurality of first-used service identification information and the plurality of second-used service identification information from the information terminal, and the first receiving unit make the request. The second receiving unit that receives the user identification information from the information terminal after receiving the information, and the plurality of first-use service identification information associated with the user identification information received by the second receiving unit. Corresponds to the first total information indicating the total amount of the total cash balance of the users in a plurality of financial services and the plurality of second-use service identification information associated with the user identification information received by the second receiver. The second total information indicating the total points obtained by totaling the balance of points that can be used to purchase the product given to the user in the plurality of point providing services, the total amount indicated by the first total information, and the second. The information terminal has a third total information indicating the total amount including the total amount corresponding to the total points indicated by the total information, and a total information notification unit for notifying the information terminal of the information terminal. A first transmission unit that transmits the request for associating the identification information with the plurality of first-use service identification information and the plurality of second-use service identification information to the information processing apparatus, and the first transmission unit. The information includes a second transmission unit that transmits the user identification information to the information processing apparatus, the first total information, the second total information, and the third total information. Taken from the processing device It has an acquisition unit to be obtained, and a display control unit that switches between the first total information, the second total information, and the third total information and displays them on the display unit according to the operation of the user.

According to the present invention, there is an effect that the user can easily grasp the contents of the balance that the user wants to know.

It is a figure which shows an example of the system configuration of the information processing system 100 which concerns on this embodiment. It is a figure which shows the structure of an information processing apparatus 30. It is a figure which shows an example of the account information which a storage part 32 stores. It is a figure which shows the structure of the information terminal 40. It is a figure which shows an example of the screen which displayed the 1st total information. It is a figure which shows an example of the screen which displayed the 2nd total information. It is a figure which shows an example of the screen which displayed the 3rd total information. It is a figure which shows an example of the screen which displayed the classification use point. It is a figure which shows the example of the processing sequence in the information processing system 100. It is a flowchart which shows the flow of operation in the information terminal 40.

<Overview of Information Processing System 100>
FIG. 1 is a diagram showing an example of a system configuration of the information processing system 100 according to the present embodiment. The information processing system 100 shown in FIG. 1 includes a plurality of first servers 10 (first server 10a, first server 10b), a plurality of second servers 20 (second server 20a, second server 20b), and information processing. The device 30 and the information terminal 40 are provided. The information processing apparatus 30 is communicably connected to a plurality of first servers 10, a plurality of second servers 20, and an information terminal 40 via a communication network such as the Internet.

The information processing system 100 is a system for providing a user with integrated information that integrates asset balance information regarding the user's assets or balance in a plurality of services used by the user who uses the information terminal 40. The service provides financial services such as banks and securities, or points that can be used when a user purchases a product, or points provided to a user to be applied to the purchase of a product by the user. It is a service.

The first server 10 is a computer for providing financial services to users, and is a front-end server that accepts access from the information terminal 40. The second server 20 is a computer for providing a point providing service to a user, and is a front-end server that accepts access from the information terminal 40. The first server 10 and the second server 20 store information about the user's assets or balance, the date and time when the balance occurred, and the location of the store where the balance occurred, etc., in association with the user's account information.

The first server 10 and the second server 20 are not limited to the front-end server, but may provide a function related to authentication and may be a back-end server different from the front-end server. When the business operator of the financial service and the business operator of the point providing service are the same, the first server 10 and the second server 20 may be the same computer.

The information processing apparatus 30 is a computer that provides an integrated service for providing integrated information to a user who uses the information terminal 40. The information processing device 30 may be a single computer, or may be configured by a plurality of computers such as a cloud-type server.

The information processing device 30 manages account information of a plurality of financial services and a plurality of point providing services. By accessing the plurality of first servers 10 and the plurality of second servers 20 using the plurality of account information, the information processing apparatus 30 is used in a plurality of cash balances of users in a plurality of financial services and a plurality of point providing services. Get multiple point balances of the user. The information processing apparatus 30 notifies the information terminal 40 of integrated information that integrates a plurality of acquired cash balances and a plurality of point balances.

Here, the financial service provided by the first server 10 and the point providing service provided by the second server 20 are services provided by a business operator different from the business operator of the integrated service provided by the information processing apparatus 30. The business operator of the financial service provided by the first server 10 and the business operator of the point providing service provided by the second server 20 tell the business operator of the integrated service provided by the information processing apparatus 30 the cash balance of the user or the point balance of the user. It is assumed that the provision of the above has been agreed in advance with the user.

The information terminal 40 is a device such as a smartphone, a tablet terminal, or a personal computer. The information terminal 40 transmits the account information of the financial service and the point providing service used by the user to the information processing apparatus 30 based on the operation of the user. The information terminal 40 provides user identification information (hereinafter referred to as "user ID") for identifying a user who uses the integrated service according to the reception of a user operation for viewing the integrated information. Send to. The user ID is the account information of the integrated service.

The information terminal 40 displays the integrated information acquired from the information processing apparatus 30 on the display of the information terminal 40. The information terminal 40 displays on the display the total information specified by the user by operating the information terminal 40 among the plurality of total information included in the integrated information. The total information includes the first total information, which is the sum of the cash balances of users in multiple financial services, the second total information, which is the sum of the points balance of users in multiple point provision services, or the first total information and the second total information. It is the third total information which is the sum of.

Hereinafter, an outline of the operation of the information processing system 100 will be described with reference to FIG.
The information terminal 40 requests the association between the user ID and the account information by notifying the information processing apparatus 30 of the user ID and the account information of the financial service and the point providing service used by the user (in FIG. 1). (1)). The information processing apparatus 30 associates the account information of the user who uses the information terminal 40 among the plurality of account information managed by the information processing apparatus 30 with the user ID of the user ((2) in FIG. 1).

The information terminal 40 transmits a user ID to the information processing device 30 ((3) in FIG. 1). The information processing apparatus 30 requests information regarding the cash balance of the user by transmitting the account information of the financial service associated with the received user ID to the plurality of first servers 10 ((4) in FIG. 1). The information processing apparatus 30 acquires a plurality of cash balance information from the plurality of first servers 10 ((5) in FIG. 1).

The information processing apparatus 30 requests information regarding the user's point balance by transmitting the account information of the point providing service associated with the user ID received from the information terminal 40 to the plurality of second servers 20 (in FIG. 1). (6)). The information processing apparatus 30 acquires a plurality of point balance information from the plurality of second servers 20 ((7) in FIG. 1).

The information processing apparatus 30 has the first total information, the second total information, and the second total information based on the plurality of cash balance information acquired from the plurality of first servers 10 and the plurality of point balance information acquired from the plurality of second servers 20. The third total information is calculated ((8) in FIG. 1). The information processing apparatus 30 notifies the information terminal 40 of the integrated information including the calculated first total information, second total information, and third total information ((9) in FIG. 1). The information terminal 40 displays the total information specified by the user among the plurality of total information included in the acquired integrated information on the display ((10) in FIG. 1).

By operating the information processing system 100 in this way, the information terminal 40 can switch and display information related to the balance specified by the user among the cash balance of the user and the point balance of the user. As a result, the information terminal 40 can easily grasp the contents of the income and expenditure that the user who uses the information terminal 40 wants to know.

<Configuration of information processing device 30>
FIG. 2 is a diagram showing the configuration of the information processing apparatus 30. The information processing device 30 includes a communication unit 31, a storage unit 32, and a control unit 33. The control unit 33 includes a first reception unit 331, a second reception unit 332, a total information generation unit 333, and a total information notification unit 334.

The communication unit 31 includes a communication device for transmitting and receiving information via a communication network such as the Internet. The communication device is, for example, a LAN (Local Area Network) controller or a wireless LAN controller.

The storage unit 32 has a storage medium such as a ROM (Read Only Memory), a RAM (Random Access Memory), and an SSD (Solid State Drive). The storage unit 32 stores a program executed by the control unit 33. The storage unit 32 stores the cash balance of the plurality of users acquired from the plurality of first servers 10 and the point balance of the plurality of users acquired from the plurality of second servers 20. The storage unit 32 stores a plurality of account information of the integrated service in association with a plurality of account information of the financial service or the point providing service.

The account information of the integrated service is, for example, the user ID shown in FIG. The account information of the financial service is, for example, the first use service identification information (hereinafter referred to as "first use service ID") given to the user in order to log in to the financial service provided by the first server 10 and acquire the cash balance. ) And a password. The account information of the point providing service is, for example, the second usage service identification information given to the user in order to log in to the point providing service provided by the second server 20 and acquire the point balance (hereinafter, "second usage service ID"). ") And a password.

FIG. 3 is a diagram showing an example of account information stored in the storage unit 32. As shown in FIG. 3, the storage unit 32 stores the user ID, the first used service ID, the second used service ID, the password, and the server address in association with each other. The server address is an address for accessing the first server 10 or the second server 10.

For example, the storage unit 32 uses the first use service ID "U1" and the password "P1", which are the account information of the financial service provided by the first server 10 having the server address "SA1", as the account information of the integrated service. It is stored in association with the ID "U001". The storage unit 32 is a user who integrates the first use service ID "U3" and the password "P3", which are the account information of the point providing service provided by the second server 20 having the server address "SA3", as the account information of the integrated service. It is stored in association with the ID "U001".

The control unit 33 is, for example, a CPU (Central Processing Unit). The control unit 33 operates as the first receiving unit 331, the second receiving unit 332, the total information generation unit 333, and the total information notification unit 334 by executing the program stored in the storage unit 32.

The first receiving unit 331 receives a request from the information terminal 40 for associating the user ID with the plurality of first-used service IDs and the plurality of second-used service IDs assigned to the user corresponding to the user ID. .. Specifically, the first receiving unit 331 receives the user ID, the first used service ID and the second used service ID for associating with the user ID from the information terminal 40. In response to the request received from the information terminal 40, the first receiving unit 331 associates the user ID of the user who uses the information terminal 40 with the first used service ID and the second used service ID of the user, and stores the storage unit 32. To memorize. The second receiving unit 332 receives the user ID from the information terminal 40 after the first receiving unit 331 receives the request.

The total information generation unit 333 acquires the cash balance and the point balance of the user corresponding to the user ID received by the second reception unit 332 from the plurality of first servers 10 and the plurality of second servers 20, and generates total information. .. The total information generation unit 333 is the first total indicating the total amount of the cash balance of the users in the plurality of financial services corresponding to the plurality of first-use service IDs associated with the user IDs received by the second reception unit 332. Generate information.

The total information generation unit 333 identifies a plurality of first-use service IDs and passwords stored in the storage unit 32 in association with the user ID received by the second reception unit 332, for example. The total information generation unit 333 is used in a plurality of financial services used by users corresponding to the user IDs by accessing the plurality of first servers 10 using the specified plurality of first-use service IDs and passwords. Get a cash balance. The total information generation unit 333 generates the first total information corresponding to the total amount of the acquired cash balance.

The total information generation unit 333 is a point that can be used for purchasing a product given to a user in a plurality of point providing services corresponding to a plurality of second use service IDs associated with the user ID received by the second reception unit 332. Generate a second total information indicating the total points of the total balance of. The purchase of goods includes the use of services that can use points.

The total information generation unit 333 identifies a plurality of second-use service IDs and passwords stored in the storage unit 32 in association with the user ID received by the second reception unit 332, for example. The total information generation unit 333 accesses the plurality of second servers 20 by using the specified plurality of second-use service IDs and passwords, and thereby, the plurality of point providing services used by the users corresponding to the user IDs. Get the point balance in. The total information generation unit 333 generates the second total information corresponding to the total points obtained by totaling the acquired point balance.

The total information generation unit 333 generates the third total information indicating the total amount obtained by adding the total amount indicated by the first total information and the total amount corresponding to the total points indicated by the second total information. The total information notification unit 334 notifies the information terminal 40 of the first total information, the second total information, and the third total information generated by the total information generation unit 333.

<Configuration of information terminal 40>
FIG. 4 is a diagram showing the configuration of the information terminal 40. The information terminal 40 has a communication unit 41, a storage unit 42, an operation unit 43, a display unit 44, and a control unit 45. The control unit 45 includes an operation reception unit 451, a first transmission unit 452, a second transmission unit 453, an acquisition unit 454, and a display control unit 455.

The communication unit 41 includes a communication device for transmitting and receiving information via a communication network such as the Internet. The communication device is, for example, a LAN controller or a wireless LAN controller. The storage unit 42 has a storage medium such as a ROM, RAM, and SSD. The storage unit 42 stores a program executed by the control unit 45.

The operation unit 43 is an input device for receiving an input operation from a user who uses the information terminal 40. The input device is, for example, a keyboard, touch panel, mouse or microphone. The display unit 44 is an output device for outputting information to a user who uses the information terminal 40. The output device is, for example, a display.

The control unit 45 is, for example, a CPU. By executing the program stored in the storage unit 42, the control unit 45 operates as an operation reception unit 451, a first transmission unit 452, a second transmission unit 453, an acquisition unit 454, and a display control unit 455.

The operation reception unit 451 receives the operation content operated by the user who uses the information terminal 40 to operate the operation unit 43. The operation content is included in, for example, an operation for requesting to associate a user ID with a first-use service ID and a second-use service ID, an operation for requesting to browse integrated information, or integrated information. This is an operation to specify the total information to be viewed from a plurality of total information.

The first transmission unit 452 transmits a request for associating the user ID for identifying the user with the plurality of first-use service IDs and the plurality of second-use service IDs to the information processing apparatus 30. Specifically, the first transmission unit 452 transmits the user ID, the first use service ID and the second use service ID for associating with the user ID, to the information processing apparatus 30. The first use service ID is identification information given to the user in order for the user to use a plurality of financial services. The second use service ID is identification information given to the user in order for the user to use a plurality of point providing services. The second transmission unit 453 transmits the user ID to the information processing apparatus 30 after the first transmission unit 452 transmits the request.

The acquisition unit 454 acquires the first total information, the second total information, and the third total information from the information processing apparatus 30. The first total information is information indicating the total amount of the total cash balance of the users in the plurality of financial services corresponding to the plurality of first-use service IDs associated with the user IDs transmitted by the second transmission unit 453. The first total information may include the cash income amount which is the total cash income of the user and the cash expenditure amount which is the total cash expenditure of the user.

The second total information is the points that can be used to purchase the product given to the user in the plurality of point providing services corresponding to the plurality of second-use service IDs associated with the user ID transmitted by the second transmission unit 453. It is information showing the total points of the total balance. The second total information may include the acquired points obtained by totaling the points acquired by the user and the used points obtained by totaling the points used by the user.

The third total information is information indicating the total amount obtained by adding the total amount indicated by the first total information and the total amount corresponding to the total points indicated by the second total information. The third total information may include the total income amount obtained by adding the cash income amount and the total amount corresponding to the acquired points, and the total expenditure amount obtained by adding the cash expenditure amount and the total amount corresponding to the points used.

The acquisition unit 454 may acquire a cash balance history indicating a history of cash balance occurrence in association with the first total information. The acquisition unit 454 may acquire cash balance history information from the information processing apparatus 30 for the display control unit 455 to display the cash balance history in association with the first total information.

The acquisition unit 454 may acquire the point balance history indicating the history in which points are given and the history in which points are used in association with the second total information. The acquisition unit 454 may acquire the point balance history information from the information processing apparatus 30 for the display control unit 455 to display the point balance history in association with the second total information.

Even if the acquisition unit 454 acquires the cash balance history showing the history of cash balance occurrence and the point balance history showing the history of points being given and the history of using points in association with the third total information. good. The acquisition unit 454 may acquire the cash balance history information and the point balance history information for the display control unit 455 to display the cash balance history or the point balance history in association with the third total information from the information processing device 30.

The display control unit 455 causes the display unit 44 to display the first total information, the second total information, and the third total information acquired by the acquisition unit 454. The display control unit 455 switches between the first total information, the second total information, and the third total information according to the user's operation, and causes the display unit 44 to display the information.

5 to 7 are views showing an example of a screen displayed on the display unit 44 by the display control unit 455. FIG. 5 is a diagram showing an example of a screen on which the first total information is displayed. The screen shown in FIG. 5 includes a display area 461, a display area 462, a display area 463, and a display area 464. The display area 461 is an area for displaying a subject indicating the content displayed on the screen. In FIG. 5, the subject "Comparison of income and expenditure" is displayed.

The display area 462 is an area for the user to select the total information to be displayed on the display unit 44 among the plurality of total information included in the integrated information. In FIG. 5, the operation image “cash” for displaying the first total information on the display unit 44 is selected. The user of the information terminal 40 switches the total information to be displayed on the display unit 44 by pressing either the operation image "cash", the operation image "point", or the operation image "cash and points". Can be done.

The display area 463 is an area for displaying information regarding the user's balance. In FIG. 5, the first total information corresponding to the operation image “cash” selected in the display area 462 is displayed. Specifically, the user's cash income of "300,000 yen", the user's cash expenditure of "250,000 yen", and the total amount of the user's cash balance of "+50,000 yen" are It is displayed in the display area 463.

The display area 464 is an area for displaying the history information indicating the history of the user's income and expenditure displayed in the display area 463. In FIG. 5, among the cash balance histories showing the history of cash balance generated displayed in the display area 463 by the user pressing the operation image “expenditure”, the history related to cash expenditure is displayed. The history of cash expenditures includes, for example, the date on which the expenditure occurred, the location of the store where the expenditure occurred, and the amount of the expenditure.

FIG. 6 is a diagram showing an example of a screen displaying the second total information. In the screen shown in FIG. 6, the operation image "point" is selected in the display area 462, and the second total information corresponding to the operation image "point" is displayed in the display area 463 and the display area 464. In that respect, it differs from the screen shown in FIG.

The display area 463 displays information about the user's point balance included in the second total information. Specifically, the user's acquisition point "20,000P", the user's usage point "15,000P", and the user's point balance "+ 5,000P" are displayed in the display area 463. .. The display area 464 displays a history of points used among the point balance history showing the history of the point balance displayed in the display area 463 when the user presses the operation image "expenditure". The history of used points includes, for example, the date when the points were used, the location such as a store where the points were used, and the number of points used.

FIG. 7 is a diagram showing an example of a screen displaying the third total information. In the screen shown in FIG. 7, the operation image "cash and points" is selected in the display area 462, and the third total information corresponding to the operation image "cash and points" in the display area 463 and the display area 464 is displayed. It differs from the screens shown in FIGS. 5 and 6 in that they are displayed.

The display area 463 displays information on the user's cash balance and point balance included in the third total information. Specifically, "320,000 yen" indicating the total amount of the user's cash income and acquisition points, "265,000 yen" indicating the total amount of the user's cash expenditure and usage points, and the user's cash. "+55,000 yen" indicating the total amount of the balance and the point balance is displayed in the display area 463. Further, in the display area 463, the breakdown of the cash balance and the acquisition points in the total amount of the user's income and the breakdown of the cash expenditure and the points used in the total amount of the user's expenditure are displayed as bar graphs.

The display area 464 relates to the cash expenditure among the cash balance history and the point balance history showing the history of the cash balance and the point balance displayed in the display area 463 when the user presses the operation image "expenditure". The history and the history related to the points used are displayed.

The display control unit 455 switches and displays the first total information, the second total information, and the third total information according to the user's operation, as shown in the screens shown in FIGS. 5 to 7. By operating the display control unit 455 in this way, the display control unit 455 can display information regarding the balance specified by the user.

The display control unit 455 may, for example, include cash income and cash expenditures included in the first total information, acquisition points and usage points included in the second total information, or total income and expenditures included in the third total information. Is displayed on the display unit 44. The display control unit 455 displays, for example, the cash income amount “300,000 yen” and the cash expenditure amount “250,000 yen” included in the first total information, as shown in the display area 463 shown in FIG. To display.

The display control unit 455 causes the display unit 44 to display the acquisition point “20,000P” and the usage point “15,000P” included in the second total information, for example, as in the display area 463 shown in FIG. The display control unit 455 displays, for example, the total income amount “320,000 yen” and the total expenditure amount “265,000 yen” included in the third total information, as shown in the display area 463 shown in FIG. To display.

When the display control unit 455 operates in this way, the display control unit 455 causes the information terminal 40 to display the breakdown of income and expenditure in each of the cash balance, the point balance, and the total balance of cash and points. Can be done. As a result, the display control unit 455 can easily grasp the information regarding the balance of payments by the user of the information terminal 40.

The display control unit 455 displays the categorized acquisition points that total the points acquired by the user or the categorized use points that total the points used by the user in each of the plurality of types of points included in the total points indicated by the second total information. It may be displayed on the unit 44. The display control unit 455 may display a plurality of classification acquisition points or a plurality of classification usage points corresponding to a plurality of types of points on the display unit 44 in association with the second total information or the third total information.

FIG. 8 is a diagram showing an example of a screen displaying classified use points. In the screen shown in FIG. 8, the subject "Breakdown of income and expenditure" is displayed in the display area 461, and a plurality of classified use points are displayed in the display area 463 in association with the second total information. It is different from the screen shown in 6. The classification use points are "Point D 10000P", "Point E 3000P", and "Point F 2000P" shown in the display area 463.

The display control unit 455, for example, in a state where the screen shown in FIG. 6 is displayed, responds to the operation of the information terminal 40 so that the user displays the classification acquisition point or the classification use point, the screen shown in FIG. A different screen shown in FIG. 8 is displayed on the display unit 44. In the state where the screen shown in FIG. 6 is displayed, the display control unit 455 operates the information terminal 40 so as to display the classification acquisition point or the classification use point, and the display area 463 shown in FIG. May display the categorized acquisition points or the categorized use points.

In addition, in order for the display control unit 455 to display the classification acquisition point or the classification use point on the display unit 44, the acquisition unit 454 acquires the classification acquisition point and the classification use point from the plurality of second servers 20. The acquisition unit 454 transmits the account information corresponding to the points managed by the second server 20 to each of the plurality of second servers 20 that manage a plurality of types of points, so that the classification acquisition points and the classification usage points can be obtained. To get. The acquisition unit 454 may acquire the classification acquisition point and the classification use point from the information processing apparatus 30.

The display control unit 455 may display the cash balance history on the display unit 44 together with the first total information in association with the first total information. The display control unit 455 may display the cash balance history on the display unit 44 as shown in the display area 464 shown in FIG. 5, for example. The display control unit 455 may display the point balance history together with the second total information on the display unit 44 in association with the second total information. The display control unit 455 may display the point balance history on the display unit 44 as in the display area 464 shown in FIG. 6, for example.

The display control unit 455 may display the cash balance history and the point balance history on the display unit 44 together with the third total information in association with the third total information. The display control unit 455 may display the cash balance history and the point balance history on the display unit 44 as shown in the display area 464 shown in FIG. 7, for example. By displaying the balance history together with the total information on the display unit 44 in this way, the display control unit 455 reduces the number of operations of the information terminal 40 that the user executes to grasp the information on the balance. Can be done.

By the way, for each of the plurality of types of points included in the third total information, one point does not always correspond to one yen. Therefore, the display control unit 455 causes the display unit 44 to display the total amount corresponding to the total points obtained by totaling the plurality of conversion points obtained by converting each of the plurality of points into cash (hereinafter referred to as "converted total amount").

For example, the acquisition unit 454 totals the point balance of the plurality of types of conversion points obtained by converting the plurality of types of points given to the user based on the plurality of conversion rates for converting each of the plurality of types of points into cash. Obtain the total conversion amount corresponding to the points. Each of the plurality of conversion rates is acquired from, for example, each of the plurality of second servers 20 that manage the point balance of the plurality of types of points corresponding to the plurality of conversion rates. The display control unit 455 causes the display unit 44 to display the third total information indicating the total amount obtained by totaling the converted total amount acquired by the acquisition unit 454 and the total amount indicated by the first total information. By operating the acquisition unit 454 and the display control unit 455 in this way, the display control unit 455 can improve the accuracy of the information regarding the user's balance to be displayed on the display unit 44.

By the way, the user may use the second financial service different from the first financial service by using the first financial service. Specifically, when the user uses a credit card, which is the first financial service, the amount of money generated by using the credit card is deducted from the bank account, which is the second financial service.

In such a case, the cash balance stored in the first server 10a corresponding to the first financial service and the cash balance stored in the first server 10b corresponding to the second financial service have the same information on expenditure. include. Therefore, the information terminal 40 needs to display the first total information that does not include one of the information about the same expenditure stored in the first server 10a and the first server 10b.

Therefore, the acquisition unit 454 generates the first cash balance by using the first financial service among the plurality of financial services, and the second cash balance is generated in the second financial service corresponding to the first cash balance. First total information that does not include either the first cash balance generated by using the first financial service or the second cash balance generated in the second financial service in response to the first cash balance when it occurs. Is obtained from the information processing apparatus 30. The acquisition unit 454 may acquire the third total information that does not include either the first cash balance or the second cash balance.

Subsequently, the display control unit 455 causes the display unit 44 to display the first total information or the third total information that does not include either the first cash balance or the second cash balance acquired by the acquisition unit 454. By operating the acquisition unit 454 and the display control unit 455 in this way, the display control unit 455 can correctly display the information regarding the user's balance on the display unit 44.

By the way, the user uses the same first-use service ID in a plurality of financial services, or the first-use service ID used in the financial service and the second-use service ID used in the point providing service are the same use service ID. There may be. In this case, the display control unit 455 may display the cash balance or the point balance in the plurality of financial services and the plurality of point providing services associated with the same usage service ID.

The display control unit 455 is, for example, the total amount of the total amount of a plurality of cash balances associated with the same usage service ID and the total amount corresponding to the total points of the plurality of point balances associated with the usage service ID. The third total information indicating the above may be displayed on the display unit 44. By operating the display control unit 455 in this way, the display control unit 455 can increase the types of income and expenditure information viewed by the user of the information terminal 40.

<Processing sequence in the information processing system 100>
FIG. 9 is a diagram showing an example of a processing sequence in the information processing system 100. FIG. 9 shows a part of data transmitted and received between the information processing apparatus 30 and the information terminal 40. The processing sequence shown in FIG. 9 starts from the time when the operation reception unit 451 receives the first user operation from the operation unit 43 (S11). The first user operation is an operation for a user to associate a plurality of financial services and a plurality of point providing services with an integrated service.

The first transmission unit 452 requests an information processing device for associating the user ID with the first use service ID and the second use service ID in response to the operation reception unit 451 receiving the first user operation. It is transmitted to 30 (S12). The request transmitted by the first transmission unit 452 includes a user ID, a first usage service ID, and a second usage service ID. The information processing apparatus 30 associates the user ID with the first used service ID and the second used service ID according to the request (S13). The information processing apparatus 30 transmits response data indicating that the user ID is associated with the first used service ID and the second used service ID to the information terminal 40 (S14).

The operation reception unit 451 receives a second user operation from the operation unit 43 (S15). The second user operation is an operation for the user to browse information regarding the user's balance in the plurality of financial services and the plurality of point providing services associated with the integrated service in the first user operation. The second transmission unit 453 transmits the user ID to the information processing apparatus 30 in response to the operation reception unit 451 receiving the second user operation (S16).

The information processing apparatus 30 acquires the cash balance information of the user by accessing the plurality of first servers 10 using the plurality of first-use service IDs associated with the user IDs received from the second transmission unit 453. (S17). The information processing apparatus 30 acquires the user's point balance information by accessing the plurality of second servers 20 using the plurality of second-use service IDs associated with the user IDs received from the second transmission unit 453. (S18).

The information processing apparatus 30 calculates total information based on the acquired cash balance information and point balance information (S19), and transmits the total information to the information terminal 40 (S20). The display control unit 455 displays the total information specified by the user among the plurality of total information acquired from the information processing apparatus 30 by the acquisition unit 454 on the display unit 44 (S21).

<Process flow in information terminal 40>
FIG. 10 is a flowchart showing the flow of operations in the information terminal 40. The flowchart shown in FIG. 10 shows an operation corresponding to S11, S15, and S21 of the processing sequence shown in FIG. The flowchart shown in FIG. 10 shows an operation in which the information terminal 40 displays a plurality of total information acquired from the information processing apparatus 30 according to a user operation.

When the operation receiving unit 451 receives the first user operation from the operation unit 43 (YES in S31), the first transmitting unit 452 associates the user ID with the first used service ID and the second used service ID. Is transmitted to the information processing apparatus 30 (S32). Specifically, the first transmission unit transmits the user ID, the first use service ID and the second use service ID for associating with the user ID, to the information processing apparatus 30. When the operation receiving unit 43 does not accept the first user operation (NO in S31), the operation receiving unit 451 repeats the process for accepting the first user operation.

When the operation reception unit 451 receives the second user operation from the operation unit 43 (YES in S33), the second transmission unit 453 transmits the user ID to the information processing device 30 (S34). When the operation receiving unit 43 does not accept the second user operation (NO in S33), the operation receiving unit 451 repeats the process for accepting the second user operation.

When the acquisition unit 454 has not acquired the total information from the information processing apparatus 30 (NO in S35), the acquisition unit 454 repeats the process for acquiring the total information. When the acquisition unit 454 acquires the total information from the information processing device 30 (YES in S35), the display control unit 455 executes a process of displaying the total information on the display unit 44 according to the operation of the user.

When the operation reception unit 451 accepts the operation for viewing the first total information (YES in S36), the display control unit 455 displays the total amount of cash balance included in the first total information (S37). When the operation reception unit 451 accepts the operation for viewing the second total information (NO in S36 and YES in S38), the display control unit 455 displays the total amount of the point balance included in the second total information. (S39). When the operation reception unit 451 accepts the operation for viewing the third total information (NO in S36 and NO in S38), the display control unit 455 determines the cash balance and the point balance included in the third total information. The total amount is displayed (S40).

When the operation for terminating the processing is not performed (NO in S41), the information terminal 40 repeats the processing from S31 to S40. When the operation to end the process is performed (YES in S41), the information terminal 40 ends the process. When the operation reception unit 451 accepts an operation for viewing another total amount different from the total amount displayed on the display unit 44 in S41, the information terminal 40 may repeat the processes from S36 to S40. good.

<Effect of information terminal 40>
As described above, in the information terminal 40, the first transmission unit 452 and the first transmission unit that transmit a request for associating the user ID with the first use service ID and the second use service ID make the request. A second transmission unit 453 that transmits the user ID to the information processing apparatus 30 after transmission is provided. Then, the display control unit 455 switches the first total information, the second total information, and the third total information acquired by the acquisition unit 454 according to the user's operation and displays them on the display unit 44.

By configuring the information terminal 40 in this way, the information terminal 40 can switch and display information related to the balance specified by the user. As a result, the information terminal 40 can easily grasp the information about the balance that the user wants to know.

It should be noted that the present invention makes it possible to contribute to Goal 9 “Let's lay the foundation for industry and technological innovation” of the Sustainable Development Goals (SDGs) led by the United Nations.

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. be. For example, all or 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 has the effect of the original embodiment together.

10 1st server 20 2nd server 30 Information processing device 31 Communication unit 32 Storage unit 33 Control unit 40 Information terminal 41 Communication unit 42 Storage unit 43 Operation unit 44 Display unit 45 Control unit 100 Information processing system 331 1st reception unit 332 First 2 Receiving unit 333 Total information generation unit 334 Total information notification unit 451 Operation reception unit 452 First transmission unit 453 Second transmission unit 454 Acquisition unit 455 Display control unit

Claims (10)

The user uses the user identification information for identifying the user, the plurality of first-use service identification information given to the user for the user to use the plurality of financial services, and the plurality of point providing services. A first transmitter that transmits a request for associating a plurality of second-use service identification information given to the user to the information processing apparatus.
A second transmission unit that transmits the user identification information to the information processing apparatus after the first transmission unit transmits the request.
The first total information showing the total amount of the cash balance of the user in the plurality of financial services corresponding to the plurality of first-use service identification information associated with the user identification information transmitted by the second transmission unit. And, it can be used to purchase the product given to the user in the plurality of point providing services corresponding to the plurality of second-use service identification information associated with the user identification information transmitted by the second transmission unit. The second total information indicating the total points obtained by totaling the balance of points, the total amount indicated by the first total information, and the total amount corresponding to the total points indicated by the second total information are added together to indicate the total amount. An acquisition unit that acquires 3 total information from the information processing device, and
A display control unit that switches between the first total information, the second total information, and the third total information and displays them on the display unit according to the operation of the user.
Information terminal with. The acquisition unit acquires a cash balance history indicating a history of occurrence of the cash balance.
The display control unit causes the display unit to display the cash balance history together with the first total information in association with the first total information.
The information terminal according to claim 1. The acquisition unit acquires a point balance history indicating a history in which the points have been given and a history in which the points have been used.
The display control unit causes the display unit to display the point balance history together with the second total information in association with the second total information.
The information terminal according to claim 1 or 2. The acquisition unit acquires a cash balance history showing a history of occurrence of the cash balance, a history of points being granted, and a point balance history showing a history of using the points.
The display control unit causes the display unit to display the cash balance history and the point balance history together with the third total information in association with the third total information.
The information terminal according to any one of claims 1 to 3. The display control unit totals the point balance of the plurality of types of conversion points obtained by converting the plurality of types of the points given to the user based on the plurality of conversion rates for converting each of the plurality of types of the points into cash. The third total information indicating the total amount obtained by totaling the total amount corresponding to the total points and the total amount indicated by the first total information is displayed on the display unit.
The information terminal according to any one of claims 1 to 4. The display control unit generates a first cash balance by using the first financial service among the plurality of financial services, and the second cash balance is generated in the second financial service corresponding to the first cash balance. When it occurs, the first total information that does not include either the first cash balance or the second cash balance, or the third total that does not include either the first cash balance or the second cash balance. Displaying information on the display unit,
The information terminal according to any one of claims 1 to 5. The first total information includes a cash income amount which is the total cash income of the user and a cash expenditure amount which is the total cash expenditure of the user.
The second total information includes acquired points obtained by totaling the points acquired by the user and used points obtained by totaling the points used by the user.
The third total information is the total income amount obtained by adding the cash income amount and the total amount corresponding to the acquired points, and the total expenditure amount obtained by adding the cash expenditure amount and the total amount corresponding to the used points. Including,
The display control unit includes the cash income amount and the cash expenditure amount included in the first total information, the acquisition points and the usage points included in the second total information, or the third total information. Display the total amount of income and the total amount of expenditure on the display unit.
The information terminal according to any one of claims 1 to 6. The acquisition unit is a classification acquisition point that totals the points acquired by the user and a classification usage point that totals the points used by the user in each of the plurality of types of points included in the total points indicated by the second total information. To get,
The display control unit causes the display unit to display a plurality of the classification acquisition points or a plurality of the classification use points corresponding to the plurality of types of points in association with the second total information or the third total information.
The information terminal according to any one of claims 1 to 7. On the computer
The user uses the user identification information for identifying the user, the plurality of first-use service identification information given to the user for the user to use the plurality of financial services, and the plurality of point providing services. A step of transmitting a request for associating a plurality of second-use service identification information given to the user to the information processing apparatus.
A step of transmitting the user identification information to the information processing apparatus after transmitting the request, and a step of transmitting the user identification information to the information processing apparatus.
The first total information indicating the total amount of the total cash balance of the user in the plurality of financial services corresponding to the plurality of first-use service identification information associated with the user identification information is associated with the user identification information. The second total information indicating the total points obtained by totaling the balance of points that can be used for purchasing the product given to the user in the plurality of point providing services corresponding to the plurality of second-use service identification information. A step of acquiring the third total information indicating the total amount obtained by adding the total amount indicated by the first total information and the total amount corresponding to the total points indicated by the second total information from the information processing apparatus.
A step of switching between the first total information, the second total information, and the third total information to be displayed on the display unit according to the operation of the user.
A program to execute. It is equipped with an information processing device that manages information on the user's income and expenditure in each of a plurality of financial services and a plurality of point providing services, and an information terminal used by the user.
The information processing device is
A plurality of user identification information for identifying a plurality of the users, a plurality of first-use service identification information given to the user for the user to use the plurality of financial services, and the plurality of points provided. A plurality of second-use service identification information given to each of the plurality of users so that each of the services can be used by the plurality of users, and a cash balance and a plurality of cash balances of the plurality of users in each of the plurality of financial services. A storage unit that stores the point balance of points given to each of the plurality of users in each of the point providing services, and a storage unit that stores the points.
A request for associating the user identification information with the plurality of first-use service identification information and the plurality of second-use service identification information given by a user corresponding to the user identification information is received from the information terminal. 1st receiver and
A second receiving unit that receives the user identification information from the information terminal after the first receiving unit receives the request.
The first total information showing the total amount of the cash balance of the user in the plurality of financial services corresponding to the plurality of first-use service identification information associated with the user identification information received by the second receiving unit. And, it can be used to purchase the product given to the user in the plurality of point providing services corresponding to the plurality of second-use service identification information associated with the user identification information received by the second receiving unit. The second total information indicating the total points obtained by totaling the balance of points, the total amount indicated by the first total information, and the total amount corresponding to the total points indicated by the second total information are added together to indicate the total amount. 3 Total information, a total information notification unit that notifies the information terminal, and
Have,
The information terminal is
A first transmission unit that transmits the request for associating the user identification information with the plurality of first-use service identification information and the plurality of second-use service identification information to the information processing apparatus.
A second transmission unit that transmits the user identification information to the information processing apparatus after the first transmission unit transmits the request.
An acquisition unit that acquires the first total information, the second total information, and the third total information from the information processing apparatus.
A display control unit that switches between the first total information, the second total information, and the third total information and displays them on the display unit according to the operation of the user.
Information processing system with.

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