JP6701110B2 - Information processing apparatus, information processing method, and information processing program - Google Patents

Description

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

  A bank account at a financial institution is opened by identifying the user of the account upon receiving the identification data. After opening, the bank account can be used without any expiration date by performing the prescribed procedure even if the notification items such as name or address are changed.

Special table 2011-502311 gazette JP, 2005-352526, A

  A bank account that has been used but is no longer used may be illegally obtained and used as a receiving account for wire fraud, unauthorized remittance through Internet banking, etc. As a way to obtain an unused account, for example, there are cases where a resident who has entered Japan for study abroad or migrant work transfers an unnecessary passbook when returning to his/her country after the period of stay has expired. Also, when a resident returns to his/her own country, unless he/she transfers the opened bank account to another person, the number of accounts that are left inactive and inoperative may increase, and the maintenance and management burden of inactive accounts may occur.

  Techniques have been proposed for setting an expiration date for an account number and opening a temporary account that will be closed after a specified period (see, for example, Patent Document 1 and Patent Document 2), both of which correspond to the main account. Since it will be opened together, it is possible that the balance will be deposited into the main account after the temporary account usage period has elapsed. On the other hand, when the resident returns to his/her own country, the resident will be closed including this account, and there is a possibility that he/she will not be able to receive a refund. In addition, the expiry date of a resident's account cannot be extended unless requested by the person himself, making it difficult to judge whether or not a non-working account can be closed. Furthermore, as the number of non-working accounts increases, the financial burden on financial institutions increases.

  Therefore, an object of the present invention is to provide a technique for reducing the management burden on a non-operational account whose expiration date has passed.

  In order to solve the above-mentioned problems, the present invention accepts a method of refunding an account for which an expiration date is set, and after the expiration of the expiration date, the account balance is refunded to the user according to the refund method.

  More specifically, the present invention is an information processing apparatus, which accepts registration of expiration date management means for setting an expiration date for an account opened by a user and a refund method for refunding the balance of the account to the user. A refund method accepting means and a refund processing means for refunding the balance of the account to the user according to the refund method after the expiration date has passed.

  With the above information processing device, by setting the expiration date of the account to be opened and specifying the refund method, the balance of the account can be refunded after the expiration date by the refund method specified by the user .. Therefore, the management burden of the non-operational account due to the unknown refund method is reduced.

  Further, the information processing apparatus may further include an account closing management unit that determines whether or not the account can be closed. With such an information processing apparatus, it is possible to determine whether or not the account can be closed by refunding the balance of the account, and the management burden of the non-operational account with the expiration date set can be reduced. Further, if it is possible to determine whether or not an account can be closed, it is possible to suppress an increase in unused accounts and prevent unauthorized acquisition of accounts.

  Further, the expiration date managing means may notify the user of the expiration date when the period until the expiration date becomes a predetermined period or less. With such an expiration date management means, by notifying the user of the expiration date of the account, it is possible to prompt the user to apply for continuation or cancellation of the account. The expiration date management means can notify the expiration date to the user, for example, by sending an electronic mail stating that the expiration date of the account is approaching. Note that the predetermined period is, for example, 6 months, and the expiration date management means may notify the user of the expiration date when the period until the expiration date is 6 months or less.

  Further, the refund processing means determines whether the refund processing of the refund destination account can be accepted or rejected when the refund method is remittance to the refund destination account specified by the user. The balance of the account may be remitted to the account. With such a refund processing means, it is possible to more reliably refund the balance of the account to the user by determining whether or not the refund destination account designated by the user can be accepted for the refund processing. If the refund destination account cannot accept the refund processing, the refund processing means can be changed to another refund method.

  The refund processing means, when it is determined that the refund destination account is not acceptable for the refund processing, remits the balance of the account to the designated account of the affiliated financial institution and entrusts the refund to the user to the affiliated financial institution. Good. The partner financial institution is assumed to be an overseas financial institution. If the above refund processing means, by remitting the balance to a predetermined account of the affiliated financial institution, for example, an account used for overseas remittance, notifying the user's account information and entrusting the refund processing to the affiliated financial institution, The balance of the account can be refunded to the user.

  The refund processing means manages the balance of the user's account in association with the refund number in the refund management account in which the financial institution manages the balance of the account when it is determined that the refund destination account cannot be accepted for the refund processing, The user may be notified of the refund number. With such a refund processing means, the balance of the user's account can be managed in a different account from the user's account, so there is no balance in the user's account and the account can be closed. Becomes

  The refund management account is an account for managing the balance not refunded to the user when the account is closed. The refund management account assigns a refund number to each closed account and manages the balance of the account in association with the refund number. The refund number may be, for example, a number designated by the user, or account information such as an account number or password related to the user's account, and a number including customer information. The customer information is, for example, information about customers who handle other financial products. Even after the account is closed, the user of the closed account can obtain the balance refund by specifying the refund number and requesting the refund.

The refund method receiving means receives the information of the refund deadline together with the refund method, the refund processing means refunds the account balance to the user after the refund deadline expires, and the account closing management means causes the refund processing means to refund the account balance. After refunding, you may close the account. Such an information processing device retains the information of the account without closing even if the use of the account is stopped after the expiration date of use, and after the expiration of the refund period, the balance of the account is returned to the user and the account is closed. Close. That is, the information processing device can set a refund deadline for executing a refund separately from the usage deadline for transactions such as deposits and withdrawals to and from the account, and does not immediately close the account after the expiration of the usage deadline. You can The refund deadline may be a period during which a request for refund can be accepted, and after the refund deadline has passed, the account may be closed and the balance of the account may be absorbed by the bank account. Further, when the refund deadline has passed, the account may be treated as being suspended from use for a predetermined period, and then the account may be closed. Further, the service may be provided by reducing the function until the refund deadline after the expiration of the usage deadline. For example, after the expiration of the usage period, the balance can be inquired during the period until the refund period, and other functions can be restricted. The restricted function may be released if there is an application for updating the expiration date.

  Further, the expiration date managing means may set the expiration date of the account according to the type of the certificate submitted when the user opens the account. The certificate is, for example, a residence card, and for example, the period of stay is determined according to the status of residence described on the residence card. The residence card contains information such as name and nationality, status of residence, period of stay, etc. The expiration date management means can set the expiration date of the account based on the information read from the residence card. .. In addition, the expiration date management means reads the content of the residence card with a scanner or the like, or reads it with an IC card reader if the residence card has an integrated circuit (IC), so that the information on the residence period can be read. Can be obtained. The expiry date management means sets an expiry date for the account that is effective according to the usage situation of the user by setting a period such as the period of stay determined according to the type of certificate as the expiry date for the account. be able to.

  The expiration date management means may update the expiration date by acquiring information related to the expiration date from a server installed in the certificate issuing institution. With such an expiration date management means, the expiration date can be updated according to the usage situation of the user.

  The present invention can also be viewed as a method aspect. For example, according to the present invention, a computer has a usage expiration management step for setting an expiration date for an account opened by a user, and a refund method acceptance step for accepting registration of a refund method for refunding the balance of the account to the user, It may be an information processing method that executes a refund processing step of refunding the balance of the account to the user according to the refund method after the expiration of use.

  The present invention can also be understood from the aspect of a computer program. For example, the present invention provides a computer with a expiration date management step of setting an expiration date for an account opened by a user, a refund method acceptance step of accepting registration of a refund method for refunding the balance of the account to the user, It may be an information processing program that causes a refund processing step of refunding the balance of the account to the user according to the refund method after the expiration of the usage period.

  According to the present invention, it is possible to reduce the management burden of a non-operational account whose expiration date has passed.

FIG. 1 is a diagram illustrating a hardware configuration of an information processing device according to an embodiment. FIG. 2 is a diagram illustrating a functional configuration of the information processing device according to the embodiment. FIG. 3 is a diagram showing an example of the account information table. FIG. 4 is a diagram illustrating an example of the account opening registration screen. FIG. 5 is a flowchart illustrating the flow of the account opening process. FIG. 6 is a flowchart illustrating the flow of the expiration date updating process. FIG. 7 is a flowchart illustrating the flow of the refund process and the account closing process.

  Hereinafter, embodiments will be described. The embodiments described below are merely examples, and the technical scope of the present disclosure is not limited to the following aspects.

  In the present embodiment, the information processing device sets the expiration date for the account opened by the user, and after the expiration date, returns the balance of the account to the user by the refund method registered by the user. To close.

<Hardware configuration>
FIG. 1 is a diagram illustrating a hardware configuration of an information processing device according to an embodiment. The information processing device 1 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14, a communication interface (communication IF) 15, an input unit 16, and an output unit 17. , And an IC card reader/writer 18. The information processing device 1 may be realized by a dedicated processor, a dedicated circuit, or the like instead of the general-purpose processor such as the CPU 11.

  The CPU 11 is a central processing unit, and controls the RAM 12, the auxiliary storage device 14 and the like by processing the instructions and data of various programs expanded in the RAM 12 and the like. The RAM 12 is a main storage device and is controlled by the CPU 11 to write and read various instructions and data. The ROM 13 is read-only and stores a BIOS (Basic Input/Output System) and firmware as a main storage device. The auxiliary storage device 14 is a non-volatile storage device, in which various programs such as various programs loaded in the RAM 12 are written and read out, which is required to be persistent. The auxiliary storage device 14 is, for example, an EEPROM (Electrically Erasable Programmable Read-Only Memory), an HDD (Hard Disk Drive), or the like.

  The communication IF 15 is an interface for connecting to the Internet, WAN (Wide Area Network), which is a global public packet communication network, and other communication networks via a gateway or the like. The communication IF 15 is, for example, a Local Area Network (LAN) card.

  The input unit 16 is, for example, a touch pad, a mouse, a pointing device such as a touch panel, a keyboard, an operation button, or the like, and receives an operation input. The output unit 17 includes a display device such as a liquid crystal display (LCD), an organic EL (Electroluminescence) display, or the like.

  The IC card reader/writer 18 reads and writes information stored in a non-contact type IC chip embedded inside the card from a non-contact type IC card by near field communication. The IC card reader/writer 18 reads information related to the expiration date of the account, such as the period of stay of the user who opens the account, from the IC card such as the residence card.

<Functional configuration>
FIG. 2 is a diagram illustrating a functional configuration of the information processing device according to the embodiment. In the information processing device 1, the program stored in the auxiliary storage device 14 is read out to the RAM 12 and executed by the CPU 11, so that the account information database D11, the expiration date management unit F11, the refund method reception unit F12, and the refund. It functions as a computer including a processing unit F13 and an account closure management unit F14.

In the present embodiment, each function provided in the information processing device 1 is executed by the CPU 11 which is a general-purpose processor. However, some or all of these functions are implemented by one or more dedicated processors and hardware arithmetic circuits. And the like. Here, the hardware arithmetic circuit means, for example, an adder circuit, a multiplying circuit, a flip-flop, or the like in which logic gates are combined. Further, some or all of these functions may be executed by a separate computer. For example, an accounting system provided separately from the information processing device 1 has a database for managing deposit accounts, and the information processing device 1 requests the accounting system to open or close an account. Processing may be performed.

(Database)
The account information database D11 is a database that stores various types of information for managing an account for which the expiration date is set. The account information database D11 is constructed by a program of a database management system (DBMS) executed by the CPU 11 managing data stored in the auxiliary storage device 14. The account information database D11 is, for example, a relational database. The account information database D11 has an account information table.

  FIG. 3 is a diagram showing an example of the account information table. The account information table of the account information database D11 is used to manage the expiration date, refund method, etc. of the account for which the expiration date is set. One record stored in the account information table shows the information of one account opened with the expiration date set. In the example of FIG. 3, the record of the account information table has fields of account number, account name, expiration date, refund method, refund destination account, and certification type.

  The account number is the account number of the opened account. The account number is assigned when the account is opened in the information processing apparatus 1 or an accounting system that is connected to the information processing apparatus 1 and manages account information. Note that in the example of FIG. 3, a 7-digit number “1234567” is shown as the account number, but a 7-digit number or more including a store number or the like may be used. The account name is the name of the account holder of the opened account.

  The expiration date is the expiration date of the opened account. Various transactions for the opened account can be effectively executed until the expiration date. By closing the opened account after the expiration date, it is possible to avoid unauthorized use or survival as an inactive account.

  As the expiration date, for example, when the user is a foreigner, the period of stay may be set according to the status of residence of the user. Further, as the expiration date, if the user is a student, the school registration period may be set. Further, the expiration date may be arbitrarily designated by the user when opening an account.

  The refund method is a method of refunding the balance of the account to the user after the expiration date of the account has passed. The refund method may be specified by the user when opening the account. The refund method includes, for example, remittance to a refund destination account designated by the user, refund at a financial institution window, and the like.

  The refund destination account is the account number of the remittance destination when "remittance" is specified as the refund method. In the example of FIG. 3, a 7-digit number “3456789” is shown as the refund destination account, but a 7-digit number or more including a store number or the like may be used. In addition, the refund destination account may be an account at an overseas financial institution when the user is a foreigner.

The certification type is the type of certificate submitted by the user when opening an account. The certificate is, for example, a residence card or a student ID card. The certificate includes information for determining the expiration date of the account, such as the period of stay and the period of study, and the expiration date of the account can be set based on the information read from the certificate. Further, the account information database D11 may be provided with a table that stores information that associates the certification type with the expiration date.

(Functions other than database)
The expiration date management unit F11 receives the expiration date setting when the account is opened. The expiration date may be set after opening an account. Further, the expiration date management unit F11 accepts the update of the expiration date when, for example, the period of stay of the user is extended or when the user makes a request for continued use of the account. The expiration date management unit F11 is an example of “expiration date management means”.

  The refund method receiving unit F12 receives registration of a refund method when an account is opened. When the expiration date has passed, the balance of the account is refunded to the user by the refund method accepted by the refund method accepting section F12. Further, the refund method accepting unit F12 accepts the update of the refund method, for example, when there is a request from the user. The refund method receiving unit F12 is an example of “refund method receiving means”.

  FIG. 4 is a diagram illustrating an example of the account opening registration screen. The account opening registration screen is a screen for allowing the expiration date management unit F11 and the refund method receiving unit F12 to input the expiration date and the refund method for accepting the setting or registration when opening an account. In the account opening registration screen of FIG. 4, an account name A1, a proof type A2, a use period A3, a refund method A4, a refund destination account A5, and an account opening button A6 labeled with "account opening" are shown.

  The account name A1 is a field for inputting the name of the user who is the account holder. The certification type A2 is a column for selecting the type of certificate that includes information regarding the period of use of the account by the user. The expiration date A3 is a field for inputting the expiration date of the account. When the certification type A2 is selected, the expiration date A3 may be set as an initial value with the expiration date determined according to the type of the selected certificate. The refund method A4 is a column for selecting a method of refunding the balance of the account after the expiration date of the account has passed. The refund method A4 is not limited to the “remittance” and the “window refund” shown in FIG. 4, and another method may be selected. The refund destination account A5 is a column for inputting the account number to which the balance of the account is to be remitted when "remittance" is selected in the reimbursement method A4 column. The account opening button A6 is an operation button for performing an account opening procedure based on the information input on the account opening registration screen. By pressing the account opening button A6, the information of the opened account is registered in the account information table based on the information input on the account opening registration screen. The account number is assigned, for example, by the information processing apparatus 1 or an accounting system that is connected to the information processing apparatus 1 and manages the account information when the information of the opened account is registered in the account information table. ..

  When the expiration date set or updated by the expiration date management unit F11 elapses, the refund processing unit F13 refunds the balance of the account to the user by the refund method registered by the refund method acceptance unit F12. When the refund method is remittance, the refund processing unit F13 remits the balance of the account to the refund destination account designated by the user. However, if the refund destination account does not accept the remittance from the user's account, the refund processing unit F13 remits the balance of the account to the account of the affiliated financial institution and requests the user to refund, You can send money to your own account to manage the balance that has not been refunded to the user. If the refund method is refund at the counter, the user requests the counter to refund the balance of the account.

Note that the refund processing unit F13 may notify the user of the expiration date when the period until the expiration date becomes equal to or less than the predetermined period. In addition to the expiration date, the refund processing unit F13 confirms whether there is any change in the expiration date or the refund method, and prompts the user to request continuous use or cancellation of the account by communication means such as e-mail. May be notified. The refund processing unit F13 can prompt the user to request to continue or cancel the account by notifying the user of the expiration date of the account. The refund processing unit F13 is an example of “refund processing means”.

  The account closure management unit F14 determines whether the account can be closed after the refund processing by the refund processing unit F13. The refund process includes processes such as remittance to a refund destination account, a remittance request to a partner financial institution, and deposit to a refund management account. Whether or not the account can be closed is determined by, for example, whether or not the balance of the account has been refunded to the user. Whether or not the account can be closed is whether the balance of the account to be closed is properly managed by entrusting refund processing to a partner financial institution or transferring the balance of the account to the refund management account. It is determined by whether or not. The account closing management unit F14 closes the account when it is determined that the account can be closed. The account closing management unit F14 is an example of “account closing managing means”.

<Process flow>
The flow of processing from the opening to the closing of the account for which the expiration date is set will be described with reference to FIGS. FIG. 5 is a flowchart illustrating the flow of the account opening process. The flow of this processing starts, for example, when the user requests the opening of an account at the window of the financial institution.

  First, in step S101, the expiration date management unit F11 determines whether or not the user has a certificate associated with the expiration date when opening an account. For example, when any certificate is selected in the certification type A2 field on the account opening registration screen, the expiration date management unit F11 determines that there is a certificate. When it is determined that there is a certificate (S101; YES), the process proceeds to step S102. When it is determined that there is no certificate (S101; NO), the process proceeds to step S103.

  In step S102, the expiration date management unit F11 sets an expiration date according to the type of the certificate selected by the user. The expiration date set by the expiration date management unit F11 may be changed according to the user's request. In step S103, the expiration date management unit F11 accepts the input of the expiration date designated by the user, because the user has not submitted the certificate.

  In step S104, the refund method receiving unit F12 receives input of a refund method when the expiration date of the account has passed. The refund method is, for example, “remittance” or “window refund”. In step S105, the refund method receiving unit F12 determines whether the refund method is “money transfer”. When it is determined that the refund method is “money transfer” (S105; YES), the process proceeds to step S106. When it is determined that the refund method is not “remittance” (S105; NO), the process proceeds to step S107.

  In step S106, the refund method accepting unit F12 accepts the input of the refund destination account for remitting the balance of the account, because the refund method is “money transfer”. After the expiration date of the account has expired and before the account is closed, the balance of the account will be transferred to the refund target account.

  In step S107, the refund method acceptance unit F12 opens an account based on the expiration date set in step S102 or the expiration date accepted in step S103, and the refund method accepted in step S104. The information on the opened account is stored in the account information table, and the account opening process ends.

FIG. 6 is a flowchart illustrating the flow of the expiration date updating process. The expiration date is changed when the user requests it or when the period of stay of the user is changed. The flow of this processing starts, for example, when the user requests the opening of an account at the window of the financial institution.

  First, in step S201, the expiration date management unit F11 determines whether or not the period until the expiration date of the account is a predetermined period or less. When it is determined that the period until the account expiration date is less than or equal to the predetermined period (S201; YES), the process proceeds to step S202. When it is determined that the period until the account expiration date is longer than the predetermined period (S201; NO), the process returns to step S201.

  In step S202, the expiration date management unit F11 acquires information relating to the expiration date such as the period of stay of the user from an external server installed in the issuing organization of the certificate submitted by the user.

  In step S203, the expiration date management unit F11 determines whether the information acquired in step S202 includes information related to extension of the expiration date of the account. When it is determined that the information related to the extension of the usage period is included (S203; YES), the process proceeds to step S206. When it is determined that the information related to the extension of the usage period is not included (S203; NO), the process proceeds to step S204. It should be noted that the process of steps S202 and S203 may be omitted for an account opened without the certificate being submitted and the user arbitrarily setting the expiration date.

  In step S204, the expiration date management unit F11 notifies the user of the expiration date of the account. The expiration date management unit F11 may notify the user of the expiration date of the account and the fact that the user is urged to continue or use the account. Further, the notification to the user may be carried out by communication means such as electronic mail. Further, the expiration date management unit F11 notifies the bank account of the financial institution of the information of the account whose expiration period is less than or equal to a predetermined period by various communication means via the network in the financial institution, or outputs it as a list. You may do so.

  In step S205, the expiration date management unit F11 determines whether or not the user has requested continuous use of the account in response to the notification of the expiration date to the user in step S204. When it is determined that the user has requested to continue using the account (S205; YES), the process proceeds to step S206. When it is determined that the user has not requested continuous use of the account (S205; NO), the process proceeds to step S207.

  The processing from step S202 to step S205 shows an example in which the extension information of the period of stay of the user is acquired from the certificate issuing institution and the expiration date of the account is extended. Instead of the process from step S202 to step S205, a process of inquiring the certificate issuing institution as to whether the extension time limit proposed by the user is valid may be executed.

  In step S206, the expiration date management unit F11 updates the expiration date of the account based on the information related to the extension of the expiration date acquired in steps S202 and S203, or the user's request in step S205. The update process ends.

  If the user does not request continuous use of the account, the refund process of step S207 described in detail in FIG. 7 is executed, and the process shown in FIG. 7 ends.

  FIG. 7 is a flowchart illustrating the flow of the refund process and the account closing process. The process shown in FIG. 7 illustrates details of the process of step S207 of FIG. The flow of this process starts, for example, when the expiration date of the account has passed.

  First, in step S301, the refund processing unit F13 determines whether or not the user has requested cancellation of the account. When it is determined that the user has requested cancellation of the account (S301; YES), the process proceeds to step S308. When it is determined that the user has not requested to cancel the account (S301; NO), the process proceeds to step S302.

  In step S302, the refund processing unit F13 determines whether or not the account balance of the refund destination account designated by the user can be accepted. When it is determined that the account balance can be accepted in the refund destination account specified by the user (S302; YES), the process proceeds to step S303. When it is determined that the account balance cannot be accepted in the refund destination account designated by the user (S302; NO), the process proceeds to step S304. Even if the user does not specify the refund destination account, the process proceeds to step S304.

  In step S303, the refund processing unit F13 refunds the balance of the account by sending the balance to the refund destination account designated by the user.

  In step S304, the refund processing unit F13 determines whether the partner financial institution can accept the balance of the account. If it is determined that the balance of the account can be accepted by the affiliated financial institution (S304; YES), the process proceeds to step S305. When it is determined that the balance of the account cannot be accepted by the affiliated financial institution (S304; NO), the process proceeds to step S306.

  In step S305, the refund processing unit F13 executes remittance processing to the affiliated financial institution and entrusts the user to refund the balance of the account. In addition, when the refund to the user is not entrusted to the affiliated financial institution, the processes of step S304 and step S305 may be omitted.

  In step S306, the refund processing unit F13 sends the balance of the account to the refund management account in which the financial institution manages the balance of the account. In this case, the balance of the account is associated with the refund number. In step S307, the refund processing unit F13 notifies the user of the refund number associated with the balance of the account. The user can receive the refund of the balance by specifying the refund number and applying.

  In step S308, the account closure management unit F14 determines whether or not the account to be closed can be closed. When it is determined that the account can be closed (S308; YES), the process proceeds to step S309. When it is determined that the account cannot be closed (S308; NO), the process shown in FIG. 7 ends. In step S309, the account closure management unit F14 closes the account by stopping various services provided to the account to be closed or by deleting the account information from the account information table, and the refund processing and The account closing process ends.

<Operation and effect of the embodiment>
In the present embodiment described above, the information processing apparatus 1 sets the expiration date and the refund method of the account to be opened so that the account balance is refunded to the user after the expiration date of the account has passed, and the information processing apparatus 1 is inoperative. The management burden of the account can be reduced. The information processing device 1 can determine whether or not the account can be closed, and if the account can be closed, close the account. By closing the accounts that can be closed, the information processing device 1 can suppress an increase in unused accounts and also prevent unauthorized acquisition of accounts.

When the expiration date of the account is approaching, the information processing apparatus 1 notifies the user of the expiration date, thereby prompting the user to request the continuation or cancellation of the account. When the method of refunding the balance of the account is remittance to the refund destination account specified by the user, the information processing apparatus 1 determines whether the refund processing of the refund destination account is acceptable or not, and executes the refund processing according to the acceptance or rejection. To do. As a result, the information processing device 1 can more reliably refund the account balance to the user. If the refund destination account cannot accept the refund processing, the refund processing means can be changed to another refund method.

  The information processing apparatus 1 can prevent the account from being closed immediately after the expiration of the usage period by setting a refund expiration date for refunding, separately from the expiration date of the account.

  The information processing apparatus 1 can set the usage period according to the type of the certificate submitted by the user who opens the account. Further, the information processing device 1 can update the usage period based on the information acquired from the certificate issuing institution and the information that can be inquired based on the submitted certificate number or my number. Therefore, it becomes possible to set an effective account usage deadline according to the usage status of the user.

  1... Information processing device: 11... CPU: 12... RAM: 13... ROM: 14... Auxiliary storage device: 15... Communication interface: 16... Input section: 17... Output section: 18... IC card reader/writer

Claims (7)

Expiration date management means for setting expiry dates for accounts opened by users,
A refund method accepting means for accepting registration of a refund method for refunding the balance of the account to the user,
After the expiration of the usage period, a refund processing unit for refunding the balance of the account to the user according to the refund method ,
The expiration date management means sets the expiration date of the account according to the type of certificate submitted by the user when opening the account, and sets the expiration date from the server installed in the certificate issuing institution. Acquire information related to the expiration date and update the expiration date,
Information processing device. Further comprising account closure management means for determining whether or not to close the account.
The information processing apparatus according to claim 1. The refund method accepting means accepts information about the refund deadline together with the refund method,
The refund processing means refunds the balance of the account to the user after the refund deadline has passed,
The account closing management means closes the account after the refund processing means refunds the balance of the account,
The information processing apparatus according to claim 2. The expiration date management means notifies the user of the expiration date when the period until the expiration date becomes a predetermined period or less,
The information processing apparatus according to any one of claims 1 to 3 . When the refund method is a remittance to a refund destination account specified by the user, the refund processing unit determines whether the refund processing of the refund destination account is acceptable or not, and when it is determined to be acceptable, Transfer the balance of the account to the refund destination account,
The information processing device according to any one of claims 1 to 4 . Computer
Expiration date management step to set expiry date for the account opened by the user,
A refund method receiving step of receiving registration of a refund method for refunding the balance of the account to the user,
A refund processing step of refunding the balance of the account to the user according to the refund method after the expiration of the usage period;
The execution,
In the expiration date management step, the expiration date of the account is set according to the type of certificate submitted when the user opens the account, and the expiration date management step is performed from a server installed in the certificate issuing institution. Acquire information related to the expiration date and update the expiration date,
Information processing method. On the computer,
Expiration date management step to set expiry date for the account opened by the user,
A refund method receiving step of receiving registration of a refund method for refunding the balance of the account to the user,
A refund processing step of refunding the balance of the account to the user according to the refund method after the expiration of the usage period;
Was executed,
In the expiration date management step, the expiration date of the account is set according to the type of certificate submitted when the user opens the account, and the expiration date management step is performed from a server installed in the certificate issuing institution. Acquire information related to the expiration date and update the expiration date,
Information processing program.

Images