JP7155446B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to appropriately prevent the accumulation of funds on a service provided by a fund transfer service provider. An information processing device according to the present application includes a determination unit that determines whether or not a balance in an account has a purpose related to withdrawal based on a deposit/withdrawal history linked to a predetermined account; and an execution unit that executes processing to prevent the balance from staying if it is determined that the object does not exist. [Selection drawing] Fig. 3

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

The Funds Transfer Service Act stipulates retention regulations regarding the retention of funds. Conventionally, there have been known techniques aimed at improving the economy by suppressing unlimited retention, precipitation, and uneven distribution of currency values and smoothly circulating the market.

International Publication No. 2020/235600

However, the conventional technology could not properly prevent the accumulation of funds on the services provided by the fund transfer service provider.

The present application has been made in view of the above, and aims to appropriately prevent accumulation of funds on services provided by fund transfer service providers.

The information processing apparatus according to the present application includes a determination unit that determines whether or not the balance in the account has a purpose related to withdrawal based on the deposit/withdrawal history linked to a predetermined account, and the determination unit determines whether the purpose is not present. and an execution unit that executes a process of preventing accumulation of the balance when it is determined that

According to one aspect of the embodiment, it is possible to appropriately prevent the accumulation of funds on the service provided by the fund transfer service provider.

FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. FIG. 2 is a diagram illustrating a configuration example of an information processing system according to the embodiment; FIG. 3 is a diagram illustrating a configuration example of an information processing server according to the embodiment; FIG. 4 is a diagram illustrating an example of a stay information storage unit according to the embodiment; 5 is a diagram illustrating an example of a failure information storage unit according to the embodiment; FIG. FIG. 6 is a diagram illustrating a configuration example of a management server according to the embodiment; 7 is a diagram illustrating an example of a storage unit according to the embodiment; FIG. FIG. 8 is a diagram illustrating a configuration example of a terminal device according to the embodiment; FIG. 9 is a flowchart illustrating an example of an information processing procedure according to the embodiment. FIG. 10 is a diagram illustrating a configuration example of an information processing server according to a modification. FIG. 11 is a diagram illustrating an example of a stay information storage unit according to a modification; FIG. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing server.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the application device, application method, and application program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Information processing realized by the information processing apparatus and the like according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to an embodiment. In addition, in FIG. 1, the information processing etc. which concerns on embodiment shall be implement|achieved by the information processing server 10 which is an example of the information processing apparatus which concerns on this embodiment.

[1-1. Configuration of information processing system]
Prior to the description of FIG. 1, the configuration of the information processing system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of an information processing system according to the embodiment; As shown in FIG. 2, the information processing system 1 according to the embodiment includes an information processing server 10, a management server 50, and a terminal device 100. FIG. The information processing server 10, the management server 50, and the terminal device 100 are connected via a network N by wire or wirelessly so as to be able to communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 2 may include a plurality of information processing servers 10, a plurality of management servers 50, and a plurality of terminal devices 100. FIG.

The information processing server 10 illustrated in FIG. 2 is an information processing device that executes information processing according to the embodiment. The information processing server 10 is implemented by, for example, a server device, a cloud system, or the like. For example, the information processing server 10 performs processing to appropriately prevent the accumulation of funds on the services provided by the fund transfer service provider. For example, based on the deposit/withdrawal history transmitted from the management server 50, the information processing server 10 notifies the terminal device 100 of the user who has accumulated funds about the accumulation.

The management server 50 shown in FIG. 2 is an information processing device on the side of the funds transfer service provider. The management server 50 is implemented by, for example, a server device, a cloud system, or the like. For example, the management server 50 manages user balance information, deposit/withdrawal history, etc. linked to accounts on services provided by fund transfer companies. Specifically, services provided by fund transfer service providers include an account for each user who uses the service, and each user's balance information, deposit/withdrawal history, etc. are managed in connection with each user's account. be. Then, each user uses the balance in the account on the service provided by the fund transfer service provider through the service provided by the fund transfer service provider. Further, for example, when the terminal device 100 receives a request for deposit/withdrawal, the management server 50 performs processing according to the request for deposit/withdrawal, and updates the balance after the deposit/withdrawal. Then, the management server 50 reflects the balance information and deposit/withdrawal history on the database.

A terminal device 100 shown in FIG. 2 is an information processing device used by a user who uses a service provided by a funds transfer service provider. The terminal device 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the terminal device 100 displays information transmitted by the information processing server 10 using a web browser (browser) or an application. Note that the example shown in FIG. 1 shows a case where the terminal device 100 is a smart phone.

Although FIG. 2 shows the case where the information processing server 10 and the management server 50 are separate devices, the information processing server 10 and the management server 50 may be integrated.

[1-2. Settlement using a terminal device]
Here, prior to information processing executed by the information processing server 10, an example of settlement (electronic settlement) using the terminal device 100 will be described. In the following description, using a two-dimensional code (QR code (registered trademark)) arranged at the store A and indicating the store identification information C for identifying the store A, the user U uses the terminal An example of making a payment using the device 100 will be described, but the embodiment is not limited to this. An example of payment described below is also applicable when any user uses any terminal device 100 to make payment at any store. Moreover, the store identification information C may be not only a QR code (registered trademark) but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products and services at the store A, the user U activates a payment application pre-installed in the terminal device 100 . Then, the user U photographs the store identification information C installed in the store A via the payment application. In such a case, the terminal device 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U or the salesclerk at the store A. FIG. Then, the terminal device 100 stores user identification information for identifying the user U, store identification information C (or information indicated by the store identification information C, that is, information indicating the store A (for example, store ID)), and a settlement amount. to the information processing server 10.

In such a case, the information processing server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store A indicated by the store identification information C. The information processing server 10 then transmits to the terminal device 100 a notification that the payment has been completed. In such a case, the terminal device 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

Note that the settlement using the terminal device 100 is not limited to the processing described above. For example, settlement using the terminal device 100 may be performed using a store terminal installed at the store A. FIG. For example, the terminal device 100 displays user identification information on the screen to identify the user U. FIG. In such a case, the store terminal installed in the store A reads the user identification information displayed on the terminal device 100, and reads the user identification information (or information indicated by the user identification information, that is, information indicating the user U (for example, , user ID)), the amount of payment, and information for identifying the store A are transmitted to the information processing server 10 . In such a case, the information processing server 10 transfers electronic money in the amount indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store A, and In response, the fact that the payment has been made may be notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the terminal device 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U to an account of the store A, but also using a credit card registered in advance by the user U, for example. It may be a payment made by In such a case, for example, the terminal device 100 may transfer electronic money for the settlement amount to the account of the store A, and may charge the operating company of the user U's credit card for the settlement amount.

[1-3. Overview of Embodiment]
Information processing executed by the information processing server 10 will be described below with reference to FIG. Note that the following description shows an example in which the terminal device 100 is used by the user U11. Also, in the following description, the terminal device 100 may be identified with the user U11. That is, the user U11 can be read as the terminal device 100 below.

Also, in the following description, it is assumed that user U11 is a user whose balance exceeds a predetermined amount on a predetermined date and time. For example, user U11 is assumed to have a balance exceeding 50,000 yen as of the end of the previous month.

In addition, in the following explanation, "withdrawal" may be a concept that includes any transaction as long as it involves a process that reduces the balance in the account before and after withdrawal. The concept may also include "remittance" and various other transactions. That is, hereinafter, "withdrawal" can be read as "settlement" or "remittance". That is, hereinafter, deposit/withdrawal history includes not only settlement history (payment history) but also remittance history.

In addition, in the following description, the notification may be notification by any means, for example, notification via an application for using a service provided by a fund transfer service provider, or notification via a fund transfer service. The notification may be sent to an e-mail or the like registered on the service provided by the trader.

First, the information processing server 10 acquires the user's balance information and deposit/withdrawal history associated with the account on the service provided by the funds transfer service provider (step S101). For example, the information processing server 10 acquires balance information and deposit/withdrawal history transmitted from the management server 50 . Then, the information processing server 10 extracts users who have accumulated funds in their accounts on the service provided by the funds transfer service provider, based on the acquired balance information and deposit/withdrawal history (step S102). For example, the information processing server 10 extracts users who did not make withdrawals in the previous month and had a balance exceeding 50,000 yen as of the end of the previous month. Then, the information processing server 10 gives the extracted user a flag (corresponding to the retention flag 1) indicating that the user is withdrawing funds.

The information processing server 10 transmits a notification to the effect that withdrawal is recommended to the flagged user (step S103). Thereby, the information processing server 10 can positively recommend using the balance in the account.

The information processing server 10 also determines whether or not the balance in the account of the flagged user has a purpose related to withdrawal based on the acquired deposit/withdrawal history (step S104). For example, if withdrawals have been made since two months ago, or if the balance does not exceed 1,000,000 yen, the retention is considered reasonable. For this reason, the information processing server 10, if the withdrawal has been made within a predetermined period, or if the balance at the date and time when the balance information is acquired does not exceed the predetermined amount, the information processing server 10 determines that the purpose of the withdrawal is indicated in the balance. Determined to exist. In addition, for example, if the user has a track record of using the accumulated money for the purchase of goods on a regular basis, such as at the same time last year or once every March or April, the Since it can be inferred that the water is stored in In addition, for example, if there is a track record of using money for remittance between users, such as remittance to a child, it can be assumed that the purpose of the stay is remittance this time, so the stay is considered reasonable. Therefore, based on the deposit/withdrawal history, if the user regularly uses the balance, the information processing server 10 determines that the balance has a purpose related to withdrawal.

On the other hand, when the information processing server 10 determines that the balance does not have a purpose for withdrawal, the information processing server 10 executes a process of preventing the balance from remaining in balance (step S105). For example, if no withdrawal has been made since two months ago, or if the balance exceeds 1,000,000 yen, there is no rationality in staying, and it is considered that the purpose is simply to stay. For this reason, the information processing server 10, if no withdrawal has been made within a predetermined period of time, or if the balance at the date and time when the balance information is acquired exceeds a predetermined amount, the information processing server 10 will not be able to confirm the purpose of the withdrawal in the balance. Determine that it does not exist. In addition, for example, if there is no track record of using the money that the user has accumulated periodically, such as at the same time last year or once every March or April, for purchasing products or remittances between users, etc., the product Since it cannot be assumed that they are saving for purchases of , remittances between users, etc., it is considered unreasonable to stay. Therefore, based on the deposit/withdrawal history, the information processing server 10 determines that the balance does not have a purpose for withdrawal if the user does not use the balance regularly. Hereinafter, the processing when it is determined that there is no purpose for withdrawal in the balance will be described.

The information processing server 10, as an example of the process of preventing the accumulation of the balance, for example, when withdrawal is not performed during the predetermined period to which the date and time when the balance information was obtained belongs, If the balance during the period continues to exceed the predetermined amount, a notification is sent to the effect that the refund will be made at a predetermined date and time after the predetermined period to which the date and time when the balance information was acquired belongs. For example, if the information processing server 10 did not withdraw money during the month when the balance information was acquired, or if the balance did not fall below 1,000,000 yen during the current month, the information processing server 10 forcibly executes the payment on the 10th of the following month. Send a notification that a refund will be issued. The notification that the refund will be made may include information on the date and time when the refund is scheduled, such as the 10th of the following month. In addition, the information processing server 10 gives a flag (corresponding to stay flag 2) indicating that the user has been notified to the user who has been notified that the refund will be made.

(Processing variation 1)
In the above-described embodiment, the information processing server 10 makes withdrawals during a predetermined period to which the date and time when the refund notification (or the date and time when the balance information is obtained) belongs among the users who have been notified about the refund. A user who did not make a refund or a user whose balance continuously exceeded a predetermined amount during a predetermined period to which the date and time when the refund was notified may be determined as a user subject to the refund. For example, among users who have been notified of a refund, users who did not withdraw money in the month before the scheduled refund date, or users whose balance did not fall below 1 million yen in the month before the scheduled refund date. is.

Note that the information processing server 10 does not allow a user who did not withdraw money from the date and time when the refund was notified to the scheduled refund date, or a user who did not withdraw money from the date and time when the refund was notified until the refund was scheduled. A user whose balance does not fall below a predetermined amount may be determined as a user to be refunded. In addition, the information processing server 10 may determine a user whose balance exceeds a predetermined amount on the day for which a refund is scheduled as a user subject to refund.

Then, the information processing server 10 may perform processing for refunding all the balances in the accounts of the users who have been determined as the users to be refunded to bank accounts registered in advance by each user. For example, the information processing server 10 may transmit a withdrawal request to the management server 50 . Then, in response to the withdrawal request, the management server 50 may perform processing for withdrawing all balances in the user's account to a bank account registered in advance by the user. Here, a bank account is, for example, a bank account registered on a service provided by a fund transfer service provider. Note that the information processing server 10 assigns a flag (corresponding to the forced withdrawal flag) indicating that the balance is forcibly refunded to the user determined as the user to be refunded, so that after the refund, the user Even if the money is deposited again, processing may be performed periodically to refund the entire balance to the bank account.

Further, when the refund processing fails, the information processing server 10 may perform processing for restricting the use of the service by the user for whom the refund processing failed. For example, the information processing server 10 may perform processing for stopping the use of the service. In addition, if the account is suspended, the use of the account on the services provided by the fund transfer service provider will be restricted. Further, when the refund process fails, the information processing server 10 may store information about the user for whom the refund process failed, the date and time when the refund process was attempted, the reason for the failure, and the like.

(Processing variation 2)
In the above-described embodiment, the information processing server 10, as an example of the process of preventing the balance from staying, transmits a notification to the effect that the refund will be made at a predetermined date and time after the predetermined period to which the date and time when the balance information was obtained has passed. Although the case of doing is shown, it is not limited to this example. For example, the information processing server 10 may perform, as an example of a process for preventing accumulation of a balance, a process for restricting a user who has repeatedly made deposits without making withdrawals. Then, the information processing server 10 may send a notification to the effect that the refund will be made if, for example, there is no withdrawal by the user even after performing the process for restricting the deposit.

Further, the information processing server 10 may make a proposal for avoiding the execution of the balance retention prevention process as an example of the balance retention prevention process. For example, the information processing server 10 may suggest purchasing a product using the balance in the account. For example, the information processing server 10 may propose purchase of a product that can be purchased at a predetermined online shopping mall in cooperation with a service provided by a fund transfer service provider. Further, for example, the information processing server 10 may propose purchase of a financial product such as an investment trust using the balance in the account. At this time, the information processing server 10 may accept control to automatically purchase the financial product pointed out in advance by the user when the balance exceeds a predetermined amount. Further, for example, the information processing server 10 may propose a donation using the balance in the account. Further, for example, the information processing server 10 may periodically make a proposal to withdraw a predetermined amount, such as every predetermined period. Further, for example, the information processing server 10 may make a proposal according to the remaining balance for each predetermined period. For example, if a monthly bill can be issued, it could be applied to subscription payments. For example, the information processing server 10 may propose a subscription of 1000 yen per month if 2000 yen is left over once in February. In addition, for example, the information processing server 10 may determine a user who continues to hold funds as a target user of an advertisement that can be displayed on a service provided by a funds transfer service provider. As a result, the information processing server 10 can provide more advertisements to a user who continues to have funds in arrears than to a user who has no funds in arrears.

(Processing variation 3)
In the above-described embodiment, in step S103, the information processing server 10 transmits a notification to the effect that withdrawal is recommended to all users to whom a flag indicating that the funds are withheld is given. Although shown, it is not limited to this example. For example, the information processing server 10 allows users to withdraw funds among users to whom a flag indicating that funds are withheld are given a flag indicating that a refund has been made. You may send a notification recommending In this way, the information processing server 10 recommends withdrawal when a flag indicating that the funds are withdrawn and a flag indicating that a refund has been notified are given. You may send notifications.

(Processing variation 4)
In the above-described embodiment, in step S102, the information processing server 10 extracts users who have accumulated funds in their accounts on the service provided by the funds transfer service provider. Although the case of adding a flag indicating that the is staying is shown, it is not limited to this example. For example, the information processing server 10 extracts users who have accumulated funds in their accounts on the service provided by the fund transfer service provider, and asks the extracted users, based on the acquired deposit/withdrawal history, It may be determined whether or not there is a purpose for withdrawal in the balance of In this case, the information processing server 10 does not perform the process of adding a flag indicating that the funds are withheld.

(Processing variation 5)
In the above-described embodiment, the information processing server 10 transmits a notification to the effect that a withdrawal is recommended or a notification that a refund will be made, and then executes the refund process. can't For example, the information processing server 10 may execute the refund process without transmitting the notification to the effect that the withdrawal is recommended or the notification to the effect that the refund will be made. In this case, the information processing server 10 does not process step S103. Further, when the information processing server 10 determines in step S105 that the balance does not have a purpose related to withdrawal, the user who did not withdraw money during the predetermined period to which the date and time when the balance information was acquired belongs, A user whose balance has continuously exceeded a predetermined amount during a predetermined period to which the date and time when the balance information was acquired may be determined as a user subject to refund. Further, the information processing server 10 may determine, in step S105, the user for whom it is determined that the balance does not have a purpose related to withdrawal as the user to be refunded. Further, for example, the information processing server 10 may only transmit a notification to the effect that payment is recommended or a notification to the effect that a refund will be made, and may not actually execute the refund process.

(Processing variation 6)
In the above-described embodiment, the information processing server 10 may change the processing according to the usage purpose and usage status of the balance in the account of the user. For example, the information processing server 10 may change the process according to the purpose of staying, the probability of withdrawal, the balance, the period of staying, and the like. For example, if the purpose of the stay is to purchase a product, the information processing server 10 performs notification and refund according to the embodiment when a predetermined amount of money stays for a plurality of months, and if the purpose of the stay is donation In the case where the purpose of the stay is to purchase a product, the notification or refund according to the embodiment may be performed when the stay is one month longer than the multiple months. Further, for example, the information processing server 10 may issue a notification according to the embodiment when a predetermined amount of money has been spent for a plurality of months, and may issue a refund according to the embodiment when the user has stayed for another month. If the predetermined amount is large, the refund according to the embodiment may be performed in one month. Further, for example, when estimating the purpose of use of the balance, the information processing server 10 performs the refund according to the embodiment in one month even if the predetermined amount of staying is small when the probability of withdrawal is less than a predetermined threshold. may

[2. Configuration of information processing server]
Next, the configuration of the information processing server 10 according to the embodiment will be described using FIG. FIG. 3 is a diagram showing a configuration example of the information processing server 10 according to the embodiment. As shown in FIG. 3 , the information processing server 10 has a communication section 20 , a storage section 30 and a control section 40 . The information processing server 10 has an input unit (for example, keyboard, mouse, etc.) for receiving various operations from the administrator of the information processing server 10, and a display unit (for example, liquid crystal display, etc.) for displaying various information. You may

(Communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the management server 50 and the like via the network N.

(storage unit 30)
The storage unit 30 is realized by, for example, a RAM (Random Access Memory), a semiconductor memory device such as a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3 , the storage unit 30 has a stay information storage unit 31 and a failure information storage unit 32 .

The stay information storage unit 31 stores various kinds of information about stay. Here, an example of information stored by the stay information storage unit 31 will be described with reference to FIG. FIG. 4 is a diagram showing an example of the stay information storage unit 31 according to the embodiment. In the example of FIG. 4, the stay information storage unit 31 has items such as "user ID", "previous month withdrawal amount", "balance", "stay flag 1", "stay flag 2", and "forced withdrawal flag". .

"User ID" indicates identification information for identifying a user. “Previous month withdrawal amount” indicates the withdrawal amount in the previous month. "Balance" indicates the balance in the account. “Staying flag 1” indicates a flag given to a user extracted as having stagnant funds on the service provided by the fund transfer service provider. "Stay flag 2" indicates a flag given to the user notified that the refund will be made. "Forced withdrawal flag" indicates a flag given to a user who has been determined to be a refund target user.

That is, in FIG. 4, the withdrawal amount in the previous month of the user identified by the user ID "U11" is "0 yen", the balance in the account is "2,000,000 yen", and the user identified by the user ID "U11" This example shows an example in which a user who is a user to which a stay flag 1, a stay flag 2, and a forced withdrawal flag are given.

The failure information storage unit 32 stores various kinds of information about refund processing failures. An example of information stored in the failure information storage unit 32 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of the failure information storage unit 32 according to the embodiment. In the example of FIG. 5, the failure information storage unit 32 has items such as "user ID", "retrieval attempt date and time", and "failure reason".

"User ID" indicates identification information for identifying a user. "Refund Trial Date" indicates the date and time when the refund was processed. "Reason for failure" indicates the reason for refund failure.

That is, in FIG. 5, the date and time when the refund was processed for the user identified by the user ID "U11" is "January 5, 2022", and the refund failure reason is "Bank account not registered. ” shows an example.

(control unit 40)
The control unit 40 is a controller. For example, various programs stored in a storage device inside the information processing server 10 are controlled by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, and the RAM is used as a work area. It is realized by executing as Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes an acquisition unit 41, an extraction unit 42, a notification unit 43, a determination unit 44, an execution unit 45, and a determination unit 46, as shown in FIG. implements or performs the information processing functions and actions described in .

(Acquisition unit 41)
The acquisition unit 41 acquires the user's balance information and deposit/withdrawal history associated with the account on the service provided by the funds transfer service provider. For example, the information processing server 10 acquires balance information and deposit/withdrawal history transmitted from the management server 50 .

(Extraction unit 42)
The extraction unit 42 extracts users who have accumulated funds in their accounts on the service provided by the fund transfer service provider, based on the balance information and the deposit/withdrawal history acquired by the acquisition unit 41 . For example, the extraction unit 42 extracts a user whose balance has exceeded a predetermined amount on a predetermined date and time without withdrawal within a predetermined period. For example, based on the deposit/withdrawal history, the extracting unit 42 may extract users whose balance exceeds a predetermined amount from users whose deposit/withdrawal history satisfies a predetermined condition. Then, the extraction unit 42 gives the extracted user a flag indicating that the user is withdrawing funds.

(Notification unit 43)
The notification unit 43 transmits a notification according to the flag to the user to whom the flag is given by the extraction unit 42 . For example, the notification unit 43 transmits a notification that withdrawal is recommended.

(Determination unit 44)
The determining unit 44 determines whether or not the balance in the account of the user flagged by the extracting unit 42 has a purpose related to withdrawal based on the deposit/withdrawal history acquired by the acquiring unit 41. do. Based on the deposit/withdrawal history, for example, when the user regularly uses the balance, the determination unit 44 determines that the balance has a purpose related to withdrawal. Further, based on the deposit/withdrawal history, the determination unit 44 determines that the balance does not have a purpose related to withdrawal if, for example, the user has not made a withdrawal within a predetermined period. Further, based on the balance information, for example, if the balance at the date and time when the balance information is obtained exceeds a predetermined amount, the determination unit 44 determines that the balance does not have a purpose related to withdrawal.

(Execution unit 45)
When the determination unit 44 determines that the balance does not have a purpose related to withdrawal, the execution unit 45 executes a process of preventing the balance from staying. For example, the execution unit 45 transmits a notification to the effect that a refund is forcibly performed as an example of the process of preventing the balance from being accumulated. Then, the execution unit 45 gives a flag indicating that the user has been notified to the user who has been notified that the refund will be made.

The execution unit 45 performs processing for refunding all balances in the user's account flagged by the determination unit 46, which will be described later, to the bank account.

(Determination unit 46)
The determination unit 46 determines users who satisfy a predetermined condition among the users flagged by the execution unit 45 as refund target users. For example, the determination unit 46 selects a user who did not withdraw money in the month before the scheduled refund date, or a user whose balance did not fall below 1,000,000 yen in the month before the scheduled refund date. to decide. Then, the determining unit 46 assigns a flag indicating that the balance is forcibly refunded to the user determined as the user to be refunded.

[3. Management server configuration]
Next, the configuration of the management server 50 according to the embodiment will be described using FIG. FIG. 6 is a diagram showing a configuration example of the management server 50 according to the embodiment. As shown in FIG. 6 , the management server 50 has a communication section 60 , a storage section 70 and a control section 80 . The management server 50 has an input unit (for example, keyboard, mouse, etc.) for receiving various operations from the administrator of the management server 50, and a display unit (for example, liquid crystal display, etc.) for displaying various information. good too.

(Communication unit 60)
The communication unit 60 is implemented by, for example, a NIC. The communication unit 60 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the information processing server 10 and the like via the network N.

(storage unit 70)
The storage unit 70 is realized by, for example, a semiconductor memory device such as a RAM or flash memory, or a storage device such as a hard disk or an optical disk.

The storage unit 70 stores various information regarding accounts. Here, an example of information stored in the storage unit 70 will be described with reference to FIG. 7 . FIG. 7 is a diagram showing an example of the storage unit 70 according to the embodiment. In the example of FIG. 7, the storage unit 70 has items such as "user ID", "balance", and "deposit/withdrawal history".

"User ID" indicates identification information for identifying a user. "Balance" indicates the balance in the account. "Deposit/withdrawal history" indicates the deposit/withdrawal history. Note that the numbers in parentheses indicate the trial date and time of deposit/withdrawal.

That is, in FIG. 7, the balance in the account of the user identified by the user ID "U11" is "2,000,000 yen", and the deposit/withdrawal history is "+100,000 yen (October 15, 2021), +100,000 yen (November 20, 2021), +100,000 yen (December 10, 2021)”. That is, the user identified by the user ID “U11” deposits 100,000 yen on October 15, 2021, deposits 100,000 yen on November 20, 2021, and deposits 100,000 yen on December 10, 2021. 10,000 yen is deposited, the balance becomes 2,000,000 yen.

(control unit 80)
The control unit 80 is a controller, and is realized, for example, by executing various programs stored in a storage device inside the management server 50 using a RAM as a work area by a CPU, MPU, or the like. Also, the control unit 80 is a controller, and is implemented by an integrated circuit such as an ASIC or FPGA, for example. As shown in FIG. 6, the control unit 80 according to the embodiment includes a reception unit 81, an execution unit 82, and a transmission unit 83, and implements or executes the information processing functions and actions described below.

(Receiver 81)
The receiving unit 81 receives a deposit/withdrawal request transmitted from the terminal device 100 . The receiving unit 81 also receives a request for providing balance information and deposit/withdrawal history transmitted from the information processing server 10 .

(Execution unit 82)
The executing unit 82 executes processing according to the request for deposit/withdrawal received by the receiving unit 81 .

(Sending unit 83)
The transmitting unit 83 transmits balance information and deposit/withdrawal history of each user to the information processing server 10 in response to the balance information and deposit/withdrawal history provision request received by the receiving unit 81 .

[4. Configuration of terminal device]
Next, the configuration of the terminal device 100 according to the embodiment will be described using FIG. FIG. 8 is a diagram showing a configuration example of the terminal device 100 according to the embodiment. As shown in FIG. 8, the terminal device 100 has a communication section 110, an input section 120, an output section 130, and a control section 140. FIG.

(Communication unit 110)
The communication unit 110 is implemented by, for example, a NIC. The communication unit 110 is connected to a predetermined network N by wire or wirelessly, and transmits and receives information to and from the information processing server 10 and the like via the predetermined network N.

(Input unit 120)
The input unit 120 receives various operations from the user. In the example shown in FIG. 1, various operations from the user U11 are accepted. For example, the input unit 120 may receive various operations from the user through the display surface using a touch panel function. The input unit 120 may also receive various operations from buttons provided on the terminal device 100 or from a keyboard or mouse connected to the terminal device 100 .

(Output unit 130)
The output unit 130 is, for example, a display screen of a tablet terminal realized by a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like, and is a display device for displaying various information.

(control unit 140)
The control unit 140 is, for example, a controller, and is realized by executing various programs stored in a storage device inside the terminal device 100 using a RAM as a work area by a CPU, MPU, or the like. For example, these various programs include application programs installed in the terminal device 100 . For example, the various programs include an application program for receiving and displaying notifications transmitted from the information processing server 10 . Also, the control unit 140 is implemented by an integrated circuit such as an ASIC or FPGA, for example.

As shown in FIG. 8, the control unit 140 has a receiving unit 141 and a transmitting unit 142, and implements or executes the information processing operation described below.

(Receiver 141)
The receiving unit 141 receives notifications transmitted from the information processing server 10 . For example, the receiving unit 141 receives a notification that withdrawal is recommended. Also, for example, the receiving unit 141 receives a notification to the effect that a refund will be forcibly made.

(Sending unit 142)
The transmission unit 142 transmits a request for deposit/withdrawal received from the user to the management server 50 .

[5. Information processing flow]
The information processing procedure of the information processing server 10 according to the embodiment will be described with reference to FIG. 9 . FIG. 9 is a flowchart illustrating an example of an information processing procedure according to the embodiment.

As shown in FIG. 9, the information processing server 10 acquires the user's balance information and deposit/withdrawal history associated with the account on the service provided by the funds transfer service provider (step S201).

The information processing server 10 extracts users who have accumulated funds in their accounts on the service provided by the fund transfer service provider, based on the acquired balance information and deposit/withdrawal history (step S202).

The information processing server 10 determines whether or not the balance in the account of the extracted user has a purpose for withdrawal based on the deposit/withdrawal history (step S203). When the information processing server 10 determines that the balance in the account has a purpose related to withdrawal (step S203; YES), the process ends. On the other hand, when the information processing server 10 determines that the balance does not have a purpose for withdrawal (step S203; NO), the information processing server 10 executes a process of preventing the balance from remaining in balance (step S204). In this case, the information processing server 10 transmits a notification to the effect that the refund will be forcibly performed as an example of the process of preventing the balance from being accumulated.

[6. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

In the above-described embodiment, the information processing server 10 may set the allowable balance amount for each user by ranking users according to past withdrawal amounts. The processing for setting the allowable balance amount for each user will be described below. In addition, description similar to that of the above-described embodiment will be omitted as appropriate. In addition, the information processing server 10 according to the modified example is hereinafter appropriately referred to as "information processing server 10A".

The information processing server 10A ranks the users according to the withdrawal amount within a predetermined period. For example, if the withdrawal amount exceeds 50,000 yen per month, the rank is "S"; Rank "B", and rank "C" when the withdrawal amount is 0 yen per month. Then, a plurality of ranks may be combined to form a new rank. For example, a new rank may be obtained by combining the rank corresponding to the amount of withdrawals made three months ago and the rank corresponding to the amount paid out two months ago. Note that if the four ranks “S” to “C” are combined in February to form a new rank, there will be a total of 16 patterns of ranks. To give a specific example, in the case of ranking in August, let us consider a case where a rank according to the amount of withdrawals before March and a rank according to the amount of withdrawals before February are combined. In this case, if the withdrawal amount in May is 60,000 yen and the withdrawal amount in June is 20,000 yen, the information processing server 10A determines that the amount of withdrawal in May is 60,000 yen using the above ranking rule. Yen is rank "S", and 20,000 yen in June is rank "A", so they are combined and ranked as rank "SA".

Here, as an example of the allowable amount for each rank, for example, the allowable amount for rank "SS" is 50,000 yen, the allowable amount for ranks "SA" and "AS" is 42,500 yen, and the allowable amount for rank "AA" is 50,000 yen. 35,000 yen, allowable amount for ranks "SB" and "BS" is 30,000 yen, allowable amount for ranks "SC" and "CS" is 25,000 yen, ranks "AB" and "BA" 22,500 yen, and the allowable amount for ranks "AC" and "CA" is 17,500 yen. It should be noted that these allowable amounts are amounts set for the purpose of extracting users having a balance exceeding the approximate average withdrawal amount in February. Also, when excluding users whose balance is less than 10,000 yen, the allowable amounts for the ranks "BC" and "CB" and the rank "CC" may not be set. In the following explanation, users with a balance of less than 10,000 yen are excluded. In addition, users whose use of the service is restricted shall also be excluded.

The information processing server 10A extracts users having a balance exceeding the allowable amount for each rank based on the balance information and the deposit/withdrawal history. For example, the information processing server 10A extracts users who did not make withdrawals in the previous month and who have a balance exceeding the allowable amount for each rank. Note that the information processing server 10A may extract users having a balance exceeding the allowable amount for each rank from among the users to whom stay flag 1 is not assigned. Then, the information processing server 10 assigns a stay flag 1 to the extracted users. The information processing server 10 then performs the same processing as in the above embodiment.

[7. Configuration of information processing server (modification)]
Next, the configuration of the information processing server 10A according to the modification will be described with reference to FIG. FIG. 10 is a diagram showing a configuration example of an information processing server 10A according to a modification. As shown in FIG. 10, the information processing server 10A has a communication section 20, a storage section 30A, and a control section 40A. The information processing server 10A has an input unit (for example, keyboard, mouse, etc.) for receiving various operations from the administrator of the information processing server 10A, and a display unit (for example, liquid crystal display, etc.) for displaying various information. You may

(Storage unit 30A)
The storage unit 30A is realized by, for example, a semiconductor memory device such as a RAM or flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 10, the storage unit 30A has a stay information storage unit 31A and a failure information storage unit 32. FIG.

The stay information storage unit 31A stores various kinds of information about stay. Here, an example of information stored by the stay information storage unit 31A will be described with reference to FIG. FIG. 11 is a diagram showing an example of the stay information storage unit 31A according to the modification. In the example of FIG. 11, the staying information storage unit 31A stores "user ID", "rank", "previous month withdrawal amount", "balance", "stay flag 1", "stay flag 2", and "forced withdrawal flag". It has items such as

"Rank" indicates the rank of the user. Note that the numbers in parentheses indicate the predetermined date and time of ranking. For example, in the case of (August 2021), it is a case of being ranked in August 2021.

That is, FIG. 11 shows an example in which the user identified by the user ID “U11” has a rank “SS” when ranked in August 2021.

(Control section 40A)
The control unit 40A is a controller, and is implemented, for example, by executing various programs stored in a storage device inside the information processing server 10A using a RAM as a work area by a CPU, MPU, or the like. Also, the control unit 40A is a controller, and is implemented by an integrated circuit such as ASIC or FPGA, for example. As shown in FIG. 10, the control unit 40A according to the embodiment includes an acquisition unit 41, an extraction unit 42A, a notification unit 43, a determination unit 44, an execution unit 45, and a determination unit 46A. implements or performs the information processing functions and actions described in .

(Determination unit 46A)
46 A of determination parts perform a user's ranking in addition to the process of the determination part 46. FIG. For example, the determination unit 46A determines the user's rank according to the amount of money withdrawn within a predetermined period. Note that the determination unit 46A may determine a rank by combining a plurality of ranks according to the amount of money withdrawn within a predetermined period. For example, the determination unit 46A may combine the ranks according to the withdrawal amount of each month to determine the rank according to the withdrawal amounts of multiple months. Then, the determining unit 46A determines the allowable amount of the balance for each user according to the determined rank. For example, the determining unit 46A determines the allowable balance amount for each user based on the determined rank of the user and the allowable amount predetermined for each rank.

(Extraction unit 42A)
In addition to the processing of the extracting unit 42, the extracting unit 42A identifies users who have balances exceeding the allowable amount based on the allowable balance amount determined for each user by the determining unit 46A and balance information for each user. Extract. Note that the extracting unit 42A may extract a user having a balance exceeding the allowable amount from users whose deposit/withdrawal history satisfies a predetermined condition based on the deposit/withdrawal history. For example, based on the deposit/withdrawal history, the extraction unit 42A compares the allowable amount of balance determined for each user among users who did not make withdrawals in the previous month with the balance for each user, thereby determining the allowable amount. Users with balances exceeding the amount may be extracted. Further, the extraction unit 42A may extract users having a balance exceeding the allowable amount from among the users to whom stay flag 1 is not assigned.

[8. effect〕
As described above, the information processing server 10 according to the embodiment has the determination unit 44 and the execution unit 45 . The determination unit 44 determines whether or not the balance in the account has a purpose related to withdrawal based on the deposit/withdrawal history associated with the predetermined account. When the determination unit 44 determines that the purpose does not exist, the execution unit 45 executes a process of preventing the balance from being retained.

As a result, the information processing server 10 according to the embodiment can appropriately prevent the accumulation of funds on the service provided by the fund transfer service provider.

Further, the determination unit 44 determines that there is no purpose when the balance at a predetermined point in time exceeds a predetermined amount and no payment is made within a predetermined period of time.

Thereby, the information processing server 10 according to the embodiment can appropriately determine whether or not the balance in the account has a purpose for withdrawal.

In addition, the execution unit 45 notifies that the balance is forcibly refunded to the bank account registered in advance by the user as a process of preventing the balance from being retained.

As a result, the information processing server 10 according to the embodiment can appropriately prompt the user who continues to withdraw funds to withdraw.

In addition, the execution unit 45, when the balance during the predetermined period to which the predetermined point belongs has continued to exceed the predetermined amount and the withdrawal has not been made during the predetermined period to which the predetermined point belongs , to forcibly refund the balance to the bank account.

As a result, the information processing server 10 according to the embodiment can forcibly refund the balance in the account of the user whose funds continue to stagnate.

Further, when the refund process fails, the execution unit 45 restricts the use of services having a predetermined account.

Thereby, the information processing server 10 according to the embodiment can appropriately restrict the use of the service according to the result of the refund processing.

In addition, the execution unit 45 restricts a user who only makes repeated deposits from depositing money into a predetermined account as a process for preventing the balance from remaining in balance.

As a result, the information processing server 10 according to the embodiment can appropriately restrict further deposits by a user who continues to deposit without withdrawing money.

In addition, the execution unit 45 proposes purchase or donation of goods using the balance in the account of a predetermined account as a proposal for avoiding the execution of the process of preventing the retention of the balance.

As a result, the information processing server 10 according to the embodiment can appropriately prevent the accumulation of funds on the service provided by the fund transfer service provider.

Further, the determination unit 44 determines that the purpose does not exist when the balance exceeds the allowable amount according to the rank assigned to each user based on the deposit/withdrawal history.

Thereby, the information processing server 10 according to the embodiment can appropriately determine whether or not the balance in the account has a purpose for withdrawal.

In addition, when it can be estimated that there will be a withdrawal within a predetermined period in the future based on the deposit/withdrawal history, the determination unit 44 determines that there is a purpose and that there will be a withdrawal within the predetermined period in the future. If it cannot be inferred, it is determined that the object does not exist.

Thereby, the information processing server 10 according to the embodiment can appropriately determine whether or not the balance in the account has a purpose for withdrawal.

[9. Hardware configuration]
Also, the information processing server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The information processing server 10 will be described below as an example. FIG. 12 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing server 10. As shown in FIG. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the information processing server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Further, each data in the storage device of the information processing server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[10. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the information processing server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the reception unit can be read as reception means or a reception circuit.

10, 10A information processing server 20 communication unit 30, 30A storage unit 31, 31A retention information storage unit 32 failure information storage unit 40, 40A control unit 41 acquisition unit 42, 42A extraction unit 43 notification unit 44 determination unit 45 execution unit 46, 46A determination unit 50 management server 60 communication unit 70 storage unit 80 control unit 81 reception unit 82 execution unit 83 transmission unit 100 terminal device 110 communication unit 120 input unit 130 output unit 140 control unit 141 reception unit 142 transmission unit

Claims (7)

a determination unit that determines whether or not the balance in the account has a purpose related to withdrawal based on the history of deposits and withdrawals linked to a predetermined account;
an execution unit that executes a process of preventing a stagnation of the balance when the determination unit determines that the purpose does not exist ,
The determination unit is
If the balance at a predetermined time exceeds a predetermined amount, or if withdrawal is not made within a predetermined period, it is determined that the purpose does not exist,
The execution unit
As the processing for preventing the retention of the balance, the user is notified that the balance is forcibly refunded to the bank account registered in advance, and the balance during the predetermined period to which the predetermined time belongs continues to exceed the predetermined amount. Alternatively, if no withdrawal is made during the predetermined period to which the predetermined time belongs, the balance is forcibly refunded to the bank account, and if the refund process fails, Restricting the use of services with the above-mentioned prescribed account
An information processing device characterized by: The determination unit is
If the balance at a predetermined point in time exceeds a predetermined amount and no withdrawal has been made within a predetermined period, it is determined that the purpose does not exist,
The execution unit
As the processing for preventing the retention of the balance, the user is notified that the balance is forcibly refunded to the bank account registered in advance, and the balance during the predetermined period to which the predetermined time belongs continues to exceed the predetermined amount. In addition, if no withdrawal is made during the predetermined period to which the predetermined time belongs, the balance is forcibly refunded to the bank account, and if the refund process fails, 2. The information processing apparatus according to claim 1, wherein use of a service having said predetermined account is restricted . The execution unit
3. The information processing apparatus according to claim 1, wherein, as a process for preventing the balance from remaining in balance, a user who only makes repeated payments is restricted from making payments to the predetermined account. The execution unit
4. Any one of claims 1 to 3 , wherein as a proposal for avoiding execution of the processing for preventing the retention of the balance, purchase of a product or donation using the balance in the account of the predetermined account is proposed. The information processing device according to claim 1. The determination unit is
5. Among the claims 1 to 4 , wherein if the balance exceeds the allowable amount according to the rank given to each user based on the deposit/withdrawal history, it is determined that the purpose does not exist. The information processing device according to any one of the above. A computer-executed information processing method comprising:
A determination step of determining whether or not the balance in the account has a purpose related to withdrawal based on the history of deposits and withdrawals linked to a predetermined account;
and an execution step of executing a process to prevent a stagnation of the balance when the determination step determines that the purpose does not exist ,
The determination step includes
If the balance at a predetermined time exceeds a predetermined amount, or if withdrawal is not made within a predetermined period, it is determined that the purpose does not exist,
The execution step includes:
As the processing for preventing the retention of the balance, the user is notified that the balance is forcibly refunded to the bank account registered in advance, and the balance during the predetermined period to which the predetermined time belongs continues to exceed the predetermined amount. Alternatively, if no withdrawal is made during the predetermined period to which the predetermined time belongs, the balance is forcibly refunded to the bank account, and if the refund process fails, Restricting the use of services with the above-mentioned prescribed account
An information processing method characterized by: A determination procedure for determining whether or not the balance in the account has a purpose related to withdrawal based on the history of deposits and withdrawals linked to a predetermined account;
If it is determined by the determination procedure that the purpose does not exist, causing the computer to execute an execution procedure for executing a process of preventing the retention of the balance ,
The determination procedure is
If the balance at a predetermined time exceeds a predetermined amount, or if withdrawal is not made within a predetermined period, it is determined that the purpose does not exist,
The execution procedure includes:
As the processing for preventing the retention of the balance, the user is notified that the balance is forcibly refunded to the bank account registered in advance, and the balance during the predetermined period to which the predetermined time belongs continues to exceed the predetermined amount. Alternatively, if no withdrawal is made during the predetermined period to which the predetermined time belongs, the balance is forcibly refunded to the bank account, and if the refund process fails, Restricting the use of services with the above-mentioned prescribed account
An information processing program characterized by:

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