JP7209561B2 - Information processing system, information processing method and information processing program - Google Patents

Description

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

2. Description of the Related Art Transfer of funds such as payment and withdrawal of cash by means of transfer of funds such as credit cards, debit cards, cash cards, and electronic money is used. Some users have a plurality of funds transfer means and use the funds transfer means separately for each fund transfer destination. If such funds transfer means is lost, there is a risk of misuse, so systems have been proposed that support processing for suspending lost funds transfer means (see Patent Documents 1 to 4, for example).

JP 2011-186799 A JP 2005-115597 A JP 2003-187171 A JP-A-2002-063530

Users often collectively manage funds transfer means by storing multiple cards that they own in the same wallet, or storing multiple types of electronic money or the like in a single smartphone. Therefore, multiple funds transfer means may be lost at once due to theft or loss of a wallet, smartphone, or the like. Since the user does not always know all the payees of each fund transfer means, it is not easy for the user to easily and quickly grasp the extent of the impact when the lost fund transfer means is stopped. Absent.

One aspect of the technology disclosed herein aims to provide an information processing system, an information processing method, and an information processing program that allow a user to easily grasp the range of influence when a funds transfer means is stopped.

One aspect of the disclosed technology is exemplified by the following information processing system. This information processing system includes storage means for storing each of the funds transfer means used for transferring funds in association with the transfer destination to which the funds are transferred using the funds transfer means; extraction means for extracting information indicating the funds transfer means to be used and information indicating the transfer destination associated with the funds transfer means to be suspended; an output means for displaying an image indicating the transfer means and a destination image indicating the transfer destination associated with the stopped fund transfer means in association with each other.

This information processing system may be realized by one information processing device, or may be realized by a plurality of information processing devices cooperating with each other. Examples of funds transfer means include credit cards, debit cards, cash cards, and electronic money. Transfer of funds includes withdrawal of cash, payment of charges, monthly fees, and the like. In the technology disclosed herein, "to display" may be displayed on a display or the like provided in the device itself, or may be displayed on a display or the like connected to another device. According to the disclosed technique, the image indicating the funds transfer means to be stopped and the destination image indicating the transfer destination of the funds by the stopped funds transfer means are displayed in association with each other. It is possible to allow the user to easily grasp to which destination the funds transfer means to be used is used.

The technology disclosed may further include the following features. The output means associates an image showing the funds transfer means to be stopped with a destination image showing a transfer destination associated with the funds transfer means to be stopped, and outputs the images in a first mode, and outputs the funds to be stopped. An image showing a funds transfer means different from the transfer means and a transfer destination image associated with the funds transfer means different from the stopped funds transfer means are displayed in a second mode different from the first mode. According to such an information processing system, it is possible for the user to easily grasp the range of influence when the lost card is suspended.

The technology disclosed may further include the following features. The output means acquires the transfer date for transferring funds to the transfer destination and the number of reissue days required for reissuance of the suspended funds transfer means, and for each of the suspended funds transfer means until the transfer date is equal to or greater than the number of days of reissue, and for the first funds transfer means determined that the number of days until the transfer date is equal to or greater than the number of days of reissue, indicate the first funds transfer means The image is displayed with information proposing reissuance of the funds transfer means. With such features, the information processing system can propose reissuance to the user for funds transfer means that can be reissued by the transfer date of funds.

The technology disclosed may further include the following features. The output means acquires the transfer date for transferring funds to the transfer destination and the number of reissue days required for reissuance of the suspended funds transfer means, and for each of the suspended funds transfer means until the transfer date is less than the reissue days, and the funds to the transfer destination associated with the second funds transfer means determined that the number of days until the transfer date is less than the reissue days information suggesting a change to a funds transfer means different from the second funds transfer means is attached to the image showing the second funds transfer means and displayed. With this feature, the information processing system proposes to the user a change (switching) to another means of transfer of funds for which the reissue cannot be made in time for the date of transfer of funds. can do.

The technology disclosed may further have the following features. When there are a plurality of different fund transfer means, the output means acquires privilege information relating to a privilege obtained when each of the different fund transfer means is used, and the acquired privilege information exists in a plurality of ways. Information is further displayed that proposes a funds transfer means showing the most advantageous privilege among the different funds transfer means as the funds transfer means to be changed. With such characteristics, the information processing system can propose a funds transfer means that allows the user to obtain the most advantageous privilege among the plurality of funds transfer means as the funds transfer means to be changed. .

The technology disclosed may further have the following features. When there are a plurality of different funds transfer means, the output means acquires the usage limit amount and the planned transfer amount of funds using the different funds transfer means for each of the different funds transfer means, and obtains the second funds transfer. Acquiring an amount to be changed for the funds to be transferred to the destination associated with the means by using the second funds transfer means, and obtaining a credit limit if the total of the planned transfer amount and the amount to be changed is equal to or greater than Information proposing a certain third funds transfer means as a change destination funds transfer means is further displayed. With such features, the information processing system can propose to the user, among a plurality of funds transfer means, a funds transfer means to which funds can actually be transferred, as the funds transfer means to be changed. .

The information processing system, information processing method, and information processing program can also be understood from the aspect of the information processing method and information processing program.

This information processing system can easily notify the user of the extent of influence when the funds transfer means is stopped.

FIG. 1 is a diagram showing an example of a card user support system according to an embodiment. FIG. 2 is a diagram showing an example of processing blocks of the card user support system according to the embodiment. FIG. 3 is a diagram illustrating an example of a data structure stored in a management database of a management server according to the embodiment; FIG. 4 is a diagram illustrating an example of a list of influence information output by a list output unit in the embodiment; FIG. 5 is a diagram illustrating an example of a processing sequence of the card user support system according to the embodiment; FIG. 6 is a diagram showing an example of processing blocks of the card user support system according to the first modification. FIG. 7 is a diagram showing an example of the data structure stored in the management database of the management server according to the first modification. FIG. 8 is a diagram showing an example of a list of influence information output by the list output unit in the first modified example. FIG. 9 is a diagram showing an example of a processing sequence of the card user support system according to the first modified example. FIG. 10 is a diagram showing an example of processing blocks of a card user support system according to the second modification. FIG. 11 is a diagram showing an example of the data structure stored in the history database of the management server according to the second modification. FIG. 12 is a diagram showing an example of a transaction history table stored in the history database of the management server according to the second modification. FIG. 13 is a diagram showing an example of a processing sequence of the card user support system according to the second modification.

Embodiments will be described below with reference to the drawings. The configuration of the embodiment shown below is an example, and the disclosed technology is not limited to the configuration of the embodiment.

<Embodiment>
FIG. 1 is a diagram showing an example of a card user support system according to an embodiment. In FIG. 1, hardware configurations of the user terminal 1 and the management server 2 are also illustrated. A card user support system 500 illustrated in FIG. 1 includes a user terminal 1 and a management server 2 . The user terminal 1 and the management server 2 are communicably connected via a network N1. Card user support system 500 is an example of an "information processing system."

In the card user support system 500 according to the embodiment, the management server 2 manages information related to cards used for transferring funds, such as credit cards, cash cards, debit cards, etc. owned by users. When the card user support system 500 is notified of the loss of the card, it identifies the range of influence when the transfer of funds using the lost card is suspended (hereinafter also referred to as suspension of the card), and determines the identified range of impact. Notify users.

A user terminal 1 is an information processing device used by a user. The user terminal 1 may be of a portable type or a stationary type. The user terminal 1 may be, for example, a desktop personal computer, a notebook personal computer, a smart phone, a tablet personal computer, a mobile phone, a wearable computer, or the like.

The management server 2 is an information processing device that associates and manages information relating to users and cards held by the users. The management server 2 is installed, for example, in a server room, data center, or the like. The management server 2 is, for example, a server device.

The network N1 is a computer network that connects the information processing devices so that they can communicate with each other. The network N1 is, for example, a wired Local Area Network (LAN), a wireless LAN, the Internet, a mobile phone communication line, or the like.

<Hardware configuration>
An example of the hardware configuration of the user terminal 1 and the management server 2 will be described with reference to FIG.

(Hardware configuration of user terminal 1)
The user terminal 1 includes a central processing unit (CPU) 101, a main memory unit 102, an auxiliary memory unit 103, a communication unit 104, an input unit 105, a display unit 106, and a connection bus B1, as illustrated in FIG. . The CPU 101, the main storage section 102, the auxiliary storage section 103, the communication section 104, the input section 105 and the display section 106 are interconnected by a connection bus B1.

The CPU 101 is also called a microprocessor unit (MPU) or processor. The CPU 101 is not limited to a single processor, and may have a multiprocessor configuration. Also, a single CPU 101 connected by a single socket may have a multi-core configuration. At least part of the processing executed by the CPU 101 is performed by a processor other than the CPU 101, such as a dedicated processor such as a digital signal processor (DSP), a graphics processing unit (GPU), a numerical processor, a vector processor, or an image processor. can be Also, at least part of the processing executed by the CPU 101 may be executed by an integrated circuit (IC) or other digital circuits. Also, at least part of the CPU 101 may include an analog circuit. Integrated circuits include Large Scale Integrated Circuits (LSIs), Application Specific Integrated Circuits (ASICs), and Programmable Logic Devices (PLDs). PLDs include, for example, Field-Programmable Gate Arrays (FPGAs). CPU 101 may be a combination of a processor and an integrated circuit. A combination is called, for example, a microcontroller unit (MCU), a system-on-a-chip (SoC), a system LSI, a chipset, or the like. In the information processing apparatus 100, the CPU 101 expands the program stored in the auxiliary storage unit 103 into the work area of the main storage unit 102, and controls the peripheral devices through the execution of the program. Accordingly, the information processing apparatus 100 can execute processing that meets a predetermined purpose. The main storage unit 102 and the auxiliary storage unit 103 are recording media readable by the user terminal 1 .

The main storage unit 102 is exemplified as a storage unit directly accessed from the CPU 101 . The main storage unit 102 includes a Random Access Memory (RAM) and a Read
Contains Only Memory (ROM).

The auxiliary storage unit 103 stores various programs and various data in a recording medium in a readable and writable manner. The auxiliary storage unit 103 is also called an external storage device. The auxiliary storage unit 103 stores an operating system (OS), various programs including the card user support program P1, various tables, and the like. The OS includes a communication interface program for exchanging data with an external device or the like connected via the communication unit 104 . External devices and the like include, for example, other information processing devices and external storage devices connected via a computer network or the like. Note that the auxiliary storage unit 103 may be part of a cloud system, which is a group of computers on a network, for example.

The auxiliary storage unit 103 is, for example, an erasable programmable ROM (EPROM), a solid state drive (SSD), a hard disk drive (HDD), or the like. Further, the auxiliary storage unit 103 is, for example, a Compact Disc (CD) drive device, a Digital Versatile Disc (DVD) drive device, a Blu-ray (registered trademark) Disc (BD) drive device, or the like. Also, the auxiliary storage unit 103 may be provided by Network Attached Storage (NAS) or Storage Area Network (SAN).

The communication unit 104 is, for example, an interface with the network N1. The communication unit 104 communicates with an external device via the network N1.

The input unit 105 receives, for example, an operation instruction or the like from a user or the like. The input unit 105 is, for example, a keyboard, pointing device, touch panel, or the like.

The display unit 106 displays data processed by the CPU 101 and data stored in the main storage unit 102, for example. The display unit 106 is, for example, a Cathode Ray Tube (CRT) display, a Liquid Crystal Display (LCD), a Plasma Display Panel (PDP), an Electroluminescence (EL) panel, an organic EL panel, or the like.

(Hardware configuration of management server 2)
The management server 2 includes a CPU 201, a main storage section 202, an auxiliary storage section 203, a communication section 204, an input section 205, a display section 206 and a connection bus B2. CPU 201, main memory 202, auxiliary memory 203, communication unit 204, input unit 205, display unit 206 and connection bus B2 are connected to CPU 101, main memory 102, auxiliary memory 103 and communication unit of user terminal 1, respectively. 104, the input unit 105, the display unit 106, and the connection bus B1 have the same configurations, and therefore the description thereof will be omitted. The auxiliary storage unit 203 stores a card management program P2 instead of the card user support program P1.

<Processing Blocks of Card User Support System 500>
FIG. 2 is a diagram showing an example of processing blocks of the card user support system according to the embodiment. An example of processing blocks of the card user support system 500 will be described below with reference to FIG.

(Processing block of management server 2)
The management server 2 includes a registration processing unit 21 , an extraction unit 22 , a notification unit 23 , and a management database (denoted as DB in the drawing) 24 . The CPU 201 of the management server 2 executes the card management program P2 expanded in the main storage unit 202 so as to execute the registration processing unit 21, the extraction unit 22, the notification unit 23, and the management database 24 of the management server 2. , etc., as each unit.

The management database 24 is a database that manages information related to cards. Figure 3 shows
It is a figure which shows an example of the data structure stored in the management database of the management server which concerns on embodiment. The data structure of the management database 24 illustrated in FIG. 3 includes items of "user ID", "card information", "funds transfer source", and "funds transfer destination". "User ID" stores an ID that uniquely identifies each user. "Card information" stores information specifying a card. "Fund transfer source" stores information indicating the transfer source of funds when payment or remittance is performed using a card. "Fund transfer destination" stores information indicating the transfer destination of funds when payment or remittance is performed using a card. The information stored in the "card information", "source of funds transfer", and "destination of funds transfer" may be any information that can be identified by the user, and a nickname (alias) may be stored. Also, the same nickname as that of another user is stored, as shown in FIG. may be That is, it is sufficient that nicknames do not overlap in the information associated with the same user ID. In this embodiment, the fact that the "funds transfer destination" is cash exemplifies cash withdrawal, and the fact that the "funds transfer destination" is other than cash exemplifies payment to the funds transfer destination. Also, a card whose 'funds transfer destination' is cash is, for example, a cash card of a bank, and a card whose 'funds transfer destination' is other than cash is, for example, a credit card. That is, in the example of FIG. 3, for user ID "101", cards 1, 2 and 3 are credit cards, and cards 4 and 5 are cash cards. The management database 24 is an example of "storage means". Cards 1 to 5 are examples of "funds transfer means".

The registration processing unit 21 registers information related to the card in the management database 24 in response to a registration request from the user terminal 1 . When the registration is completed, the registration processing unit 21 notifies the user terminal 1 of the completion of registration.

Upon receiving a lost notification including the user ID from the user terminal 1, the extraction unit 22 refers to the management database 24 and extracts a set of information associated with the user ID. A set of information to be extracted is, for example, a set of "card information", "funds transfer source" and "funds transfer destination". The extractor 22 is an example of an “extractor”.

The notification unit 23 notifies the user terminal 1 of the group of information extracted by the extraction unit 22 as influence information. When the loss notification received from the user terminal 1 includes the card information of the lost card, the notification unit 23 adds information specifying the card information of the lost card to the impact information and notifies the user terminal 1 of the information. .

(Processing block of user terminal 1)
The user terminal 1 includes a registration requesting section 11 , a loss notification section 12 and a list output section 13 . The CPU 101 of the user terminal 1 executes the card user support program P1 executably developed in the main storage unit 102, so that the registration request unit 11, the loss notification unit 12, and the list output of the user terminal 1 Each unit such as the unit 13 performs processing.

When the registration requesting unit 11 receives the input of the information about the card, the registration requesting unit 11 transmits a registration request to the management server 2 to request registration of the information about the received card. Information related to the card includes, for example, a user ID that identifies the user, card information that identifies the card, a fund transfer source using the card, and a fund transfer destination using the card. An example of a fund transfer source is an account of a financial institution used for card payment. Examples of destinations for transfer of funds include trading partners in commercial transactions, payees for utility bills, payees for monthly fees, and the like. Here, the card information, fund transfer destination, and fund transfer source may be any information that can be specified by the user. to register.

When the user notifies the loss notification unit 12 of the loss of the card, the loss notification unit 12 transmits a loss notification including the user ID for identifying the user to the management server 2 to notify the management server 2 of the lost card. Perform a scope of influence query. The loss notification may further include card information.

When the list output unit 13 receives from the management server 2 the effect information indicating the list of the effect range when the card is stopped, the list output unit 13 causes the display unit 106 to display the list of the received effect information. If the received impact information includes information indicating a card to be suspended, the list output unit 13 may cause the display unit 106 to display information about the card and information about other cards in different modes. The output format of the influence information by the list output unit 13 is not particularly limited. The list output unit 13 may output the influence information in the form of a table, or may output the influence information using icons (images), for example. The list output unit 13 is an example of "output means". When outputting the impact information using icons (images), the card, fund transfer destination and fund transfer source are associated with the icons, respectively, and the auxiliary storage unit 103 of the user terminal 1 or the auxiliary storage unit of the management server 2 is displayed. 203.

FIG. 4 is a diagram illustrating an example of a list of influence information output by a list output unit in the embodiment; In FIG. 4, the card information, the funds transfer source and the funds transfer destination are displayed as icons, and by connecting them with lines, the relationship between the card information, the funds transfer source and the funds transfer destination is graphically displayed. The list of influence information illustrated in FIG. 4 has three vertical columns, with the leftmost column displaying the fund transfer source, the center column displaying the card information, and the rightmost column displaying the fund transfer destination. FIG. 4 exemplifies the case where "Card 1", "Card 2" and "Card 4" are lost, and "Card 1" icon, "Card 2" icon and "Card 4" icon have " A balloon F1 indicating "stop target" is attached, and the background of these icons is displayed in a manner different from that of the other icons. Furthermore, "electricity", "gas", "water", "monthly fee 1", "mail order 1", and "store 1", which are the transfer destinations of "card 1", "card 2", and "card 4", respectively , the background of the "cash" icon associated with the card 4 also has a display mode different from that of the other icons. That is, as illustrated in FIG. 4, the list output unit 13 attaches a balloon to the icon of the card to be suspended and the icon of the destination of funds transferred by the card, or displays them in a display mode different from that of other icons. By doing so, the area affected by the card suspension is visually displayed in an easy-to-understand manner. The icons "card 1", "card 2", "card 3", "card 4", and "card 5" are examples of "images representing cards". The icons "electricity", "gas", "water", "monthly fee 1", "monthly fee 2", "cash", "mail order 1", and "store 1" are examples of the "destination image". The display mode of the "account 1", "account 2", "card 3", "card 5", "monthly fee 2", and "cash" associated with card 5 is an example of the "second mode". is. "Card 1", "Card 2", "Card 4", "Electricity", "Gas", "Water", "Monthly fee 1", "Mail order 1", "Store 1", "Card 4" The display mode of the "cash" icon is an example of the "first mode".

FIG. 5 is a diagram illustrating an example of a processing sequence of the card user support system according to the embodiment; An example of the processing sequence of the card user support system 500 according to the embodiment will be described below with reference to FIG.

S<b>1 to S<b>4 are an example of processing for registering a card owned by a user in the management server 2 . In S1, the registration requesting unit 11 of the user terminal 1 receives input of information related to the card from the user. In S2, the registration requesting unit 11 transmits to the management server 2 a registration request for requesting registration of information related to the card accepted in S1.

In S3, the registration processing unit 21 of the management server 2 causes the management database 24 to store the information related to the card received in S2. In S4, the registration processing unit 21 notifies the user terminal 1 of completion of registration. Information such as that illustrated in FIG. 3, for example, is stored in the management database 24 by the processing from S1 to S3.

The processing from S5 to S8 is an example of processing executed when the user loses the card. Here, it is assumed that the user with the user ID "101" lost the card with the card information "card 1", the card with the card information "card 2", and the card with the card information "card 4". In S5, when the loss notification unit 12 of the user terminal 1 receives the input of the card information of the lost card from the user, the management server 2 receives the user ID "101" for identifying the user and the card information " A loss notification including "Card 1", "Card 2", and "Card 4" is sent to the management server 2.

In S6, the extractor 22 of the management server 2 extracts from the management database 24 the influence information corresponding to the user ID included in the loss notification received in S5. Here, the extraction unit 22 extracts a set of information associated with the user ID “101”, for example, a set of (card information “card 1”, fund transfer source “account 1”, fund transfer destination “electricity”). , (Card information "Card 1", Funds transfer source "Account 1", Funds transfer destination "Gas") and (Card information "Card 1", Funds transfer source "Account 1", Funds transfer destination "Water ”) pair, (card information “Card 1”, fund transfer source “Account 1”, fund transfer destination “Monthly fee 1”) pair, (card information “Card 2”, fund transfer source “Account 2”, Destination of funds transfer "mail order 1"), (card information "card 2", source of funds transfer "account 2", destination of funds transfer "store 1") and (card information "card 3", funds transfer Source "account 1", fund transfer destination "monthly fee 2"), (card information "card 4", fund transfer source "account 1", fund transfer destination "cash") and (card information "card 5”, fund transfer source “account 2”, and fund transfer destination “cash”).

In S7, the notification unit 23 of the management server 2 notifies the set of information extracted in S6 to the user terminal 1 as influence information. In the processing flow exemplified in FIG. 5, since the card information of the lost card is received in S5, the notification unit 23 detects the card whose card information was notified in S5 for the impact information extracted in S6. The information to be suspended is added to the influence information and transmitted to the user terminal 1 .

In S8, the list output unit 13 of the user terminal 1 causes the display unit 106 to display the influence information received in S7. For example, the list output unit 13 may output the icon of the card information that is subject to suspension based on the influence information and the icon of the destination of funds transferred by the card indicated by the card information in a manner different from that of the other icons. Through such processing, the list output unit 13 can cause the display unit 106 to display, for example, a list of influence ranges illustrated in FIG. 4 .

<Action and effect of the embodiment>
The card user support system 500 according to the embodiment displays influence information as a list, as illustrated in FIG. Therefore, the user can easily grasp the fund transfer destination that will be affected when the card is suspended. When the user terminal 1 notifies the management server 2 of the card information of the lost card, the user terminal 1 displays the icon of the lost card and the fund transfer destination of the card in the impact information list. is displayed in a manner different from other icons. Therefore, the user can more easily grasp the influence range of the lost card.

The card user support system 500 according to the embodiment identifies cards by aliases such as nicknames without storing credit card numbers. Therefore, the card user support system 500 according to the embodiment does not need to store information that should be kept secret, such as credit card numbers.

<First modification>
The card user support system 500 according to the embodiment outputs a list of the range of influence when the lost card is suspended. The card user support system 500a according to the first modification further proposes remedial measures to be taken when the card is lost. Constituent elements common to the embodiment are denoted by the same reference numerals, and descriptions thereof are omitted. A first modified example will be described below with reference to the drawings.

FIG. 6 is a diagram showing an example of processing blocks of the card user support system according to the first modification. A card user support system 500a illustrated in FIG. 6 includes a user terminal 1a and a management server 2a. Furthermore, FIG. 6 also illustrates a card server 3 which is an information processing device of a card company that issues and suspends cards. The user terminal 1a and the management server 2a can communicate with the card server 3 via the network N1.

The card server 3 is an information processing device owned by a card company that issues cards. When the card server 3 receives the suspension request including the card number, it performs suspension processing for the card specified by the card number. In addition, the card server 3 stores information such as the number of days required for reissuing the card and benefits obtained when the card is used (points awarded when used at a specific store, etc.). These stored information can be provided in response to.

The management server 2a differs from the management server 2 of the embodiment in that it further includes an acquisition unit 25, a notification unit 23a instead of the notification unit 23, and a management database 24a instead of the management database 24. FIG. FIG. 7 is a diagram showing an example of the data structure stored in the management database of the management server according to the first modification. The management database 24a illustrated in FIG. 7 differs from the management database 24 in that it includes the item "card number". "Card number" stores a number that uniquely identifies the card.

The acquiring unit 25 acquires the card number of the card associated with the user ID included in the loss notification from the management database 24a, and makes an inquiry to the card server 3 including the acquired card number. For example, the acquisition unit 25 acquires, from the card server 3, the number of days the card is reissued, information related to benefits obtained when the card is used, and attached information related to the card such as the payment date. The attached information acquired by the acquiring unit 25 from the card server 3 includes part of the number of card reissuance days, information related to benefits obtained when the card is used, and payment dates. may The payment date is an example of a "transfer date."

Based on the attached information acquired by the acquisition unit 25, the notification unit 23a selects a remedy that the user can take when the lost card is suspended. Remedial measures include switching the card used for funds transfer to another card or reissuing the card.

The notification unit 23a is based on the date of execution of the process (current date), the number of days for reissue of the card to be suspended (the card whose card number was notified in the loss notification), and the payment date by the card to be suspended. Next, it is determined whether or not the reissue will be completed by the payment date. If it is determined that the reissue will be completed by the payment date, that is, if the number of days until the payment date is equal to or greater than the reissue days, the notification unit 23a selects reissuance of the card as a remedy. If it is determined that the reissue will not be completed by the payment date, that is, if the number of days until the payment date is less than the number of reissue days, the notification unit 23a selects switching the card used for fund transfer as a countermeasure.

If there is only one card that has not been lost (a card whose card number has not been notified in loss notification), the notification unit 23a selects the card as a replacement destination card as a countermeasure. When there are a plurality of cards that have not been lost, the notification unit 23a confirms whether or not there is a privilege for the transfer destination of the suspended card for each of the cards that have not been lost, and gives priority to the card having the privilege to switch to the card. As an afterthought, choose to do so. If there are a plurality of cards with benefits, it may be possible to select the card with the most advantageous benefits for the user (for example, the card with the most points that can be acquired) as the card to be switched to as a remedial measure. The notification unit 23a notifies the user terminal 1a of the impact information and the selected corrective action. The card to be switched to is an example of the "funds transfer means to be switched to".

The user terminal 1a is different from the user terminal 1 of the embodiment in that the list output unit 13 is replaced with the list output unit 13a. In addition to the information displayed by the list output unit 13, the list output unit 13a displays on the display unit 106 information related to the payment date, the card payment date, the number of card reissue days, and the benefits obtained when the card is used. Let For example, if there is a privilege that the points that can be obtained increase when using "card 3" at "store 1", the list output unit 13a selects "card 3" for the icon of "store 1" in the list of the range of influence. A balloon indicating that there is a privilege related to the point is attached by using .

FIG. 8 is a diagram showing an example of a list of influence information output by the list output unit in the first modified example. In FIG. 8, the next payment date and recommended countermeasures for the card to be suspended are indicated by a balloon F2. In addition, a balloon F3 indicates information that guides the destination of funds transfer affected by the suspended card to which card should be switched to obtain an advantage in obtaining points or the like.

In the example of FIG. 8, the balloon F2 attached to the "card 1" icon indicates that the next payment date is February 7, 2019 and that the recommended remedy is to reissue the card. A balloon F2 attached to the "card 2" icon indicates that the next payment date is January 11, 2019, and that the recommended remedy is to switch to another card. A balloon F2 attached to the "card 4" icon indicates that the recommended remedial action is to switch to card 5. Also, a balloon F3 attached to the "mail order 1" icon indicates that switching to card 3 is a recommended countermeasure, citing the fact that points can be obtained.

FIG. 9 is a diagram showing an example of a processing sequence of the card user support system according to the first modified example. The following description assumes that the process was performed on January 10, 2019. An example of the processing sequence of the card user support system 500a according to the first modification will be described below with reference to FIG.

The processing from S1 to S4 is the same as in the embodiment except that card number registration is also executed. At T1, the acquisition unit 25 of the management server 2a makes an inquiry to the card server 3 including the card number. At T2, the acquiring unit 25 acquires from the card server 3, as a response to the inquiry at T1, additional information such as the number of days the card is reissued, information related to benefits obtained when the card is used, and the date of payment. Here, as attached information, the reissue days for card 1 are 10 days, the reissue days for card 2 are 7 days, the payment date for card 1 is February 7, 2019, and the payment date for card 2 is January 2019. On the 11th, it is assumed that "card 3" is "mail order 1" and that there is a privilege of increasing points.

At T3, the notification unit 23a selects a corrective action based on the attached information acquired at T2. The number of days for card 1 to be reissued is 10 days, the payment date is February 7, 2019, and the date at the time of execution of the process is January 10, 2019. It is determined that the card can be reissued. Therefore, the notification unit 23a selects reissuance of the card as a remedy for the card 1. FIG. Since the card number of the reissued card is often different from that of the lost card, the notification unit 23a makes the determination taking into account the period required for the setting (registration of the card number, etc.) for using the reissued card. You may In addition, the notification unit 23a may notify the user terminal 1 to output a message to the effect that, when the card is reissued, settings for using the reissued card are required.

The number of days to reissue card 2 is 7 days, the payment date is January 11, 2019, and the date at the time of execution of the process is January 10, 2019. It is determined that the card cannot be reissued. Therefore, the notification unit 23a selects card switching as a countermeasure for the card 2 . At T3, the notification unit 23a may select outputting a caution message notifying that the card will not be reissued in time as a countermeasure instead of selecting the switching of the card.

The notification unit 23a determines which of the card 3 and the card 5, which have not been lost, is more preferable as the switching destination of the card 2.例文帳に追加The notification unit 23a refers to the attached information acquired in T2, and uses "card 3" and "card 5" for "mail order 1" and "store 1", which are destinations of funds transfer using card 2. It determines whether or not there is a privilege to be obtained when Here, since it is received in the attached information received at T2 that there is a privilege of increasing points by using "card 3" in "mail order 1", the notification unit 23a uses it in "mail order 1". Select "Card 3" as the card to switch to.

The notification unit 23a selects to use the card 5, which is also used for cash withdrawal, until the card 4 is reissued, as a follow-up measure for the card 4 used for cash withdrawal. . In S7a, the notification unit 23a transmits the impact information and the corrective action selected in T3 to the user terminal 1a.

In S8a, the list output unit 13a of the user terminal 1a causes the display unit 106 to display the list of the influence range with the influence information and remedial measures received in S7a. Through such processing, the list output unit 13a can cause the display unit 106 to display, for example, a list of influence ranges illustrated in FIG.

In the first modified example, the management server 2 obtains the attached information of the card by inquiring the card server 3 based on the card number, and notifies the user of the corrective action based on the obtained attached information. The card user support system 500a according to the first modification supports a user who has lost a card by proposing remedial measures in the event of loss based on the number of days of reissuance, benefits when using the card, and the like. can be done.

In addition, in the first modified example, as illustrated in FIG. 8, the payment date is displayed for each card, but the payment date may not be displayed for each card. The payment date may be displayed for each fund transfer destination, for example. By adopting such a configuration, it is possible to cope with the case where the payment date differs for each fund transfer destination.

In the first modification, the management server 2a obtains the number of days of reissue by inquiring of the card server 3, but the number of days of reissue may be obtained by other methods. As an example, the management server 2a may store the standard reissue days in advance and notify the user terminal 1a of the stored standard reissue days. When the management server 2a acquires the number of days of reissue from the card server 3, the management server 2a stores the acquired number of days of reissue, and notifies the user terminal 1a of the number of days of reissue in response to the loss notification from the next time onward. good too.

In addition, the number of days for reissuing a card varies depending on the procedure (for example, contacting the operator of the card company by phone, online procedure via the card company's website, or procedure by paper mail). Sometimes. The management server 2a may acquire the reissue days from the card server 3 for each procedure method. With such a configuration, the management server 2a can notify the user terminal 1a of the reissue days for each procedure method,
As a result, it becomes possible for the user terminal 1a to display the reissue days for each procedure method on the list of influence ranges.

<Second modification>
In the first modified example, the card to be switched to is guided based on point acquisition or the like. In the second modification, the card to be switched to is guided based on the card's credit limit, account balance, and amount to be switched. Constituent elements common to the embodiment and the first modified example are denoted by the same reference numerals, and descriptions thereof are omitted. A second modification will be described below with reference to the drawings.

FIG. 10 is a diagram showing an example of processing blocks of a card user support system according to the second modification. A card user support system 500b illustrated in FIG. 10 differs from the card user support system 500a according to the first modification in that a management server 2b is provided instead of the management server 2a.

The management server 2b includes a notification unit 23b instead of the notification unit 23a, an acquisition unit 25a instead of the acquisition unit 25, and a history database (denoted as DB in the drawing) 26. It is different from the management server 2a of the modified example.

The history database 26 is a database for managing past payment history and card usage limits. FIG. 11 is a diagram showing an example of a card history table stored in the history database of the management server according to the second modification. The card history table 261 illustrated in FIG. 11 includes items of "user ID", "card information", and "limit amount". The history database 26 further includes a usage history that stores the past usage history for each year and month. In FIG. 11, "January 2019", "December 2018", and "November 2018" are illustrated as usage histories.

Since the information stored in the "user ID" and "card information" has the same data structure as the management database 24 illustrated in FIG. 3, the description thereof is omitted. The "limit amount" stores the upper limit of the amount of money that can be transferred using the card in one month, which is set by the card company. In the usage history, the history of the amount of money transferred using the card in the past is stored for each year and month.

FIG. 12 is a diagram showing an example of a transaction history table stored in the history database of the management server according to the second modification. The transaction history table 262 illustrated in FIG. 12 includes items of “user ID” and “fund transfer destination”. The transaction history table 262 further includes a transaction history that stores past transaction results by year and month. In FIG. 12, "January 2019", "December 2018", and "November 2018" are illustrated as transaction histories.

Since the information stored in the "user ID" and "funds transfer destination" is the same as the data structure of the management database 24 illustrated in FIG. 3, the description is omitted. In the transaction history, the history of the amount transferred to the relevant fund transfer destination using the card in the past is stored for each year and month.

The acquisition unit 25 a acquires the card usage limit and card usage details from the card server 3 in addition to the information acquired by the acquisition unit 25 . The usage details include information in which fund transfer information indicating how much funds have been transferred to each fund transfer destination is associated with card information. Upon receiving the usage details from the card server 3 , the acquisition unit 25 a updates the card history table 261 and the transaction history table 262 of the history database 26 .

When switching cards is selected as a countermeasure, the notification unit 23b determines a proposed card to switch to, based on the credit limit of the card and the amount to be switched. The notification unit 23b refers to the transaction history table 262 to calculate the amount to be switched for each card to be suspended. The notification unit 23b may set the maximum amount of the fund transfer amounts that occurred in the past for each year and month as the amount to be switched, or set the average amount of the fund transfer amounts that occurred in each year and month in the past as the amount to be switched. Alternatively, the amount of funds transferred during the same period last year may be used as the amount to be switched. The notification unit 23b refers to the card history table 261 and acquires the credit limit for each card that is not subject to suspension. The amount to be switched is an example of the "amount to be changed".

The notification unit 23b calculates the planned transfer amount to the already set fund transfer destination for each card that is not subject to suspension. Calculation of the planned transfer amount can be realized by the same method as that for the switching target amount described above. The notification unit 23b selects, as a switching destination card, a card whose sum of the planned transfer amount and the switching target amount is equal to or less than the limit amount among the cards that are not to be suspended. If there are multiple cards for which the sum of the amount to be transferred and the amount to be switched is equal to or less than the limit, all of these cards may be selected as candidates for the card to be switched to. A card from which advantageous benefits can be obtained may be selected as a switch destination card. The notification unit 23b notifies the user terminal 1a of the remedial measures and the impact information including the card information of the selected switching destination card.

FIG. 13 is a diagram showing an example of a processing sequence of the card user support system according to the second modification. An example of the processing sequence of the card user support system 500b according to the second modification will be described below with reference to FIG.

At T2a, the card usage limit and card usage details are obtained from the card server 3 as a response to the inquiry at T1. In T3a, when switching cards is selected as a countermeasure, the notification unit 23b determines a proposed card to switch to based on the credit limit of the card and the amount to be switched. Through such processing, in S8a, the list output unit 13 of the user terminal 1a can output a list of impact information including a display of remedial measures to recommend a card that can be paid as a card to be switched to. can.

In the second modification, the management server 2b may acquire the balance of each account held by the user from the server of the financial institution that manages the account of the user who is the source of funds transfer. When the card used for fund transfer is switched, the fund transfer source may also be changed. For example, in the case of FIG. 8, when card 2 is suspended and the card used for "mail order 1" is switched to card 3, the account from which funds are transferred is changed from "account 2" to "account 1." become. The notification unit 23b determines whether or not the balance of "account 1" is insufficient based on the acquired balance and the amount to be switched in "mail order 1". , "Account 2") to "Account 1" may be included in the remedial measures. The amount to be switched in "mail order 1" can be determined, for example, by referring to usage details. Similarly, when switching from the card 4, which is a cash card, to the card 5, the notification unit 23b selects the card 5 as the fund transfer source based on the switching target amount determined based on the history of the amount of cash withdrawn from the card 4. It may be determined whether or not the balance of the account "Account 2" is insufficient, and if it is determined that the balance is insufficient, transfer from "Account 1" to "Account 2" may be included in the remedial measures.

In addition, in the second modification, if the payable amount of any card owned by the user is insufficient, the notification unit 23b may select an increase in the credit limit of the card as a remedy.

<Other Modifications>
In the first modification, the "card information" of the management database 24 of the management server 2a stores information specifying the card, but the "card information" further stores information indicating the status of the card. good too. Card states can be exemplified by, for example, "in use", "suspended", "unused", and the like. The notification unit 23a of the management server 2a, for example, the management database 24
Card cancellation procedures may be selected as a remedial measure for cards for which it is determined that it is reasonable to cancel the card based on the information stored in the "card information".

Cases where it is judged to be rational to cancel the card include, for example, when the status of "suspended" or "unused" continues for a predetermined period or longer, or when the benefits of the card are inferior to those of other cards. For example, there is no economic rationality in owning a card.

In the embodiments and modifications, the registration requesting unit of the user terminal executes the registration of the funds transfer destination by receiving the input from the user. However, the registration of the funds transfer destination may be realized by other methods. For example, the user terminal 1 or the management server 2 acquires the past fund transfer history from an application for executing online shopping or an asset management application, extracts the fund transfer destination from the acquired past fund transfer history, and extracts the funds The transfer destination may be registered in the “Fund Transfer Destination” of the management database 24 of the management server 2 .

In the embodiments and modifications, the notification unit of the management server determines the corrective action to be adopted for each lost card, but may decide the corrective action to be adopted for each fund transfer destination. For example, the notification department hastily taken remedial measures for destinations where funds are not transferred for a while or the frequency of fund transfers is low (for example, once a year, once every few months, etc.). Since it is considered to be unnecessary, it is not necessary to determine corrective measures such as changing the card.

In the embodiments and modifications, credit cards and cash cards are given as examples of fund transfer means, but fund transfer means are not limited to credit cards and cash cards. The funds transfer means may be, for example, electronic money. A plurality of electronic money may be used in a user terminal such as a smartphone, and in such a case, if the smartphone is lost, the plurality of electronic money may be lost at once. For such electronic money, the card user support system displays an icon indicating the electronic money and an icon indicating the transfer destination of the funds in association with each other, so that the user can easily understand the range of impact caused by the lost electronic money. can inform

In the embodiments and modifications, the card user support system includes a plurality of information processing devices such as user terminals and management servers, but the card user support system may be realized by a single information processing device. In such a case, one information processing apparatus may be provided with the processing block provided in the user terminal and the processing block provided in the management server.

In the embodiments and modifications, for example, as illustrated in FIG. 4, both information on lost cards (cards to be suspended) and information on non-lost cards (cards not to be suspended) are displayed. displayed. However, the card user support system may display information about the lost card (the card to be suspended) without displaying the information about the card that is not lost (the card that is not to be suspended). Even if such a display mode is adopted, it is possible to easily notify the user of the range of influence when the lost card is suspended.

The embodiments and modifications disclosed above can be combined with each other. For example, by combining the first modified example and the second modified example, it is possible to realize a card user support system that is advantageous in benefits such as points and can propose a card that can be paid as a card to switch to. .

<<Computer-readable recording medium>>
An information processing program that causes a computer or other machine or device (hereinafter referred to as a computer or the like) to implement any of the functions described above can be recorded in a computer-readable recording medium. By causing a computer or the like to read and execute the program of this recording medium, the function can be provided.

Here, a computer-readable recording medium is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read by a computer, etc. Say. Examples of such recording media that can be removed from a computer or the like include flexible discs, magneto-optical discs, Compact Disc Read Only Memory (CD-ROM), Compact Disc-Recordable (CD-R), and Compact Disc-ReWritable. (CD-RW), Digital Versatile Disc (DVD), Blu-ray Disc (BD), Digital Audio Tape (DAT), 8 mm tape, and memory cards such as flash memory. In addition, there are a hard disk, a ROM, and the like as recording media fixed to a computer or the like.

1, 1a... User terminal 11... Registration request unit 12... Loss notification unit 13, 13a... List output unit 101, 201... CPU
102, 202... Main storage section 103, 203... Auxiliary storage section 104, 204... Communication section 105, 205... Input section 106, 206... Display section 2, 2a, 2b... Management server 21 Registration processing unit 22 Extraction unit 23, 23a, 23b Notification unit 24, 24a Management database 25, 25a Acquisition unit 3 Card server 500, 500a , 500b... Card user support system F1, F2, F3... Balloon P1... Card user support program P2... Card management program B1, B2... Connection bus N1... Network

Claims (8)

A first method for storing one or more funds transfer means selected from a group of credit cards, debit cards, cash cards, and electronic money accounts in association with destinations to which funds are transferred using the funds transfer means a storage means;
a second storage means for storing the fund transfer means and the transfer destination in association with an image;
extracting means for referring to the first storage means and extracting information indicating the funds transfer means to be stopped and information indicating the transfer destination associated with the funds transfer means to be stopped;
When the funds transfer means to be suspended is notified, the second storage means is referred to, and the image indicating the funds transfer means to be suspended and the transfer indicating the destination associated with the funds transfer means to be suspended. An information processing system comprising: output means for displaying the image in association with the previous image. The output means associates an image indicating the funds transfer means to be suspended with a destination image indicating a transfer destination associated with the funds transfer means to be suspended and displays the images in a first mode, and displays the funds to be suspended. displaying an image showing a funds transfer means different from the transfer means and a destination image associated with the funds transfer means different from the stopped funds transfer means in a second mode different from the first mode;
The information processing system according to claim 1. The output means is
acquiring the transfer date for transferring funds to the transfer destination and the number of reissue days required for reissuing the funds transfer means to be suspended;
Determining whether the number of days until the date of transfer is equal to or greater than the number of days of reissue for each of the funds transfer means to be stopped;
For the first funds transfer means for which the number of days until the transfer date is determined to be equal to or greater than the number of reissue days, an image showing the first funds transfer means is displayed with information suggesting reissuance of the funds transfer means attached. let
The information processing system according to claim 1 or 2. The output means is
acquiring the transfer date for transferring funds to the transfer destination and the number of reissue days required for reissuing the funds transfer means to be suspended;
determining whether the number of days until the date of transfer is less than the number of days of reissue for each of the funds transfer means to be stopped;
Regarding the transfer of funds to the transfer destination associated with the second funds transfer means for which the number of days until the transfer date is determined to be less than the number of days of reissue displaying information proposing a change attached to an image showing the second funds transfer means;
The information processing system according to any one of claims 1 to 3. The output means is
When there are a plurality of different funds transfer means, acquiring privilege information related to benefits obtained when using each of the different funds transfer means,
further displaying information proposing a fund transfer means indicating the most advantageous privilege among the plurality of different fund transfer means in the acquired privilege information as a fund transfer means to be changed;
The information processing system according to claim 4. The output means is
if there are a plurality of different funds transfer means, obtaining the usage limit and the planned transfer amount of funds using the different funds transfer means for each of the different funds transfer means;
Acquiring an amount to be changed for the funds to be transferred to the destination associated with the second funds transfer means using the second funds transfer means;
further displaying information proposing a third funds transfer means for which the acquired credit limit is equal to or greater than the sum of the planned transfer amount and the amount to be changed as the funds transfer means to be changed;
The information processing system according to claim 4 or 5. the computer
A first method for storing one or more funds transfer means selected from a group of credit cards, debit cards, cash cards, and electronic money accounts in association with destinations to which funds are transferred using the funds transfer means an extraction step of referring to the storage means and extracting information indicating the funds transfer means to be stopped and information indicating the transfer destination associated with the funds transfer means to be stopped;
When the funds transfer means whose use is to be suspended is notified, the second storage means for storing the funds transfer means and the transfer destination in association with the image is referred to, and the image indicating the funds transfer means to be suspended and the an output step of displaying in association with a transfer destination image indicating the transfer destination associated with the funds transfer means to be stopped;
Information processing methods. to the computer,
A first method for storing one or more funds transfer means selected from a group of credit cards, debit cards, cash cards, and electronic money accounts in association with destinations to which funds are transferred using the funds transfer means an extraction step of referring to the storage means and extracting information indicating the funds transfer means to be stopped and information indicating the transfer destination associated with the funds transfer means to be stopped;
When the funds transfer means whose use is to be suspended is notified, the second storage means for storing the funds transfer means and the transfer destination in association with the image is referred to, and the image indicating the funds transfer means to be suspended and the an output step of displaying in association with a transfer destination image indicating the transfer destination associated with the funds transfer means to be stopped;
Information processing program.

Images