JP7687978B2 - Information processing system and information processing program - Google Patents

Description

This disclosure relates to an information processing system and an information processing program.

Patent document 1 discloses a system that provides users with detailed data on deposit and withdrawal transactions held by their savings accounts.

JP 2021-157230 A

However, the above system does not take into account credit card usage, especially fluctuations in monthly usage amounts.

Therefore, in one aspect, the present invention aims to provide an information processing system etc. that can support financial management, etc., while taking into account fluctuations in monthly credit card usage amounts.

(1) In one aspect,
A first acquisition unit that acquires a set monthly payment amount associated with a user;
A second acquisition unit that acquires a monthly usage amount of a credit card associated with the user;
A calculation unit that calculates the relationship between the set payment amount and the usage amount associated with the user on a monthly basis;
A parameter processing unit that changes a value of a specific parameter associated with the user based on a calculation result by the calculation unit.
It is characterized by:

(2) In the above aspect, preferably,
The specified parameters include a balance of a predetermined medium having an asset value;
the parameter processing unit executes a balance update process for calculating a difference between the usage amount and the set payment amount for each month and adding the difference to the balance;
It is characterized by:

(3) In the above aspect, preferably,
a first storage unit for storing account information in a financial institution associated with the user, the first account information being related to a withdrawal of the usage amount and a second account information being related to the balance;
the parameter processing unit executes the balance update process in a manner that transfer of the predetermined medium from the first account information to the second account information is realized when the set payment amount is greater than the usage amount, so that the difference is positive.
It is characterized by:

(4) In the above aspect, preferably,
a notification processing unit that generates warning information for a use of the credit card that would cause the balance to become negative;
It is characterized by:

(5) In the above aspect, preferably,
A situation detection unit that detects a product search situation by the user;
and a guidance processing unit that generates guidance information for guiding the user to a store where the credit card can be used within the balance when the product search status is detected.
It is characterized by:

(6) In the above aspect, preferably,
A second storage unit that stores the setting information by the user;
and a purchase processing unit that, when the balance exceeds a threshold based on the setting information, executes a process for purchasing a specific financial product with the amount that exceeds the threshold.
It is characterized by:

(7) In the above aspect, preferably,
A third storage unit that stores goal information representing a goal of the user;
and an information generating unit configured to generate information representing a degree of achievement of the goal of the goal information based on the goal information and the balance.
It is characterized by:

(8) In another aspect,
An information processing program executable by an information processing device,
8. The information processing system according to claim 1 , wherein the information processing device is configured to implement at least a part of the information processing system.
It is characterized by:

In one aspect, the present invention makes it possible to provide an information processing system or the like that can support financial management while taking into account fluctuations in monthly credit card usage amounts.

FIG. 1 is a diagram illustrating a configuration of an information processing system according to an embodiment of the present invention. 13 is a flowchart illustrating an example of a balance update process. FIG. 13 is a diagram illustrating a procedure corresponding to a balance update process. FIG. 13 is a diagram illustrating another aspect of the procedure corresponding to the balance update process. 1 is a diagram illustrating a relationship between a set monthly payment amount and a monthly billing amount. FIG. 13 is a flowchart showing a notification process (step S200). 13 is a flowchart showing a guide information generating process. 13 is a flowchart showing a purchasing process. 13 is a flowchart showing an achievement level information generating process.

Each embodiment will be described in detail below with reference to the attached drawings.

Figure 1 shows the configuration of the information processing system of this embodiment.

As shown in FIG. 1, the information processing system 10 of this embodiment includes a first acquisition unit 11 that acquires a monthly set payment amount associated with a user, a second acquisition unit 12 that acquires a monthly usage amount by a credit card associated with the user, a calculation unit 13 that calculates the relationship between the set payment amount associated with the user and the usage amount for each month, and a parameter processing unit 14 that changes the value of a specific parameter associated with the user based on the calculation result by the calculation unit 13. The specific parameter includes the balance of a predetermined medium having an asset value, and the parameter processing unit 14 executes a balance update process that calculates the difference between the set payment amount and the usage amount (= set payment amount - usage amount) for each month and adds the difference to the balance. Note that if the difference is negative, the negative difference is added to the balance. That is, the parameter processing unit 14 compares the set payment amount with the usage amount for each month, and if the set payment amount is greater than the usage amount, it increases the balance by a numerical value corresponding to the greater amount, and if the set payment amount is less than the usage amount, it executes a balance update process to decrease the balance by a numerical value corresponding to the smaller amount.

Specific media having asset value include currency, various points, crypto assets, etc., but in this embodiment, we will use currency as an example of the specific medium.

The information processing system 10 also includes a first storage unit 21 that stores account information within a financial institution associated with the user, including first account information 21a relating to withdrawals of usage amounts and second account information 21b relating to balances. The first account information 21a and the second account information 21b can be updated as needed to match the actual account amounts (deposit amounts) described below. For example, the first storage unit 21 can update the amounts (deposit amounts) of the first account information 21a and the second account information 21b based on notifications from banks or card companies. The first account information 21a and the second account information 21b can be displayed on the screen of a terminal device as needed based on user operations or based on processes that are not based on user operations, for example, processes that are executed automatically.

The information processing system 10 also includes a notification processing unit 31 that generates warning information for credit card usage that results in a negative balance, a situation detection unit 41 that detects a product search situation by the user, a guidance processing unit 42 that generates guidance information to guide the user to a specific store where the credit card can be used within the balance when a product search situation is detected, a second memory unit 51 that stores setting information by the user, a purchase processing unit 52 that executes a process to purchase a specific financial product with the amount exceeding the threshold when the balance exceeds a threshold based on the setting information, a third memory unit 61 that stores goal information that represents the user's goal, and an information generation unit 62 that generates information that represents the degree to which the goal information has been reached based on the goal information and the balance.

All or some of the components of the information processing system 10 are configured as part of the user's terminal device, including the user's mobile terminal. Other components that are not configured as part of the user's terminal device can be configured, for example, by a server connected to the user's terminal device via a communication means.

Figure 2 is a flowchart showing an example of a balance update process, and Figure 2A is a diagram showing an example of a procedure corresponding to the balance update process. Here, the balance update process is exemplified as a process for updating account balance information.

As a prerequisite for executing the balance update process, the user must complete the procedures to link the user's terminal device, such as a mobile terminal, with the card company and bank.

In this procedure, for example, the user inputs the set monthly payment amount via a terminal device or the like and notifies the card company of the set monthly payment amount. This set monthly payment amount is stored in the first acquisition unit 11. The set monthly payment amount can be changed at any time by the user's operation on the terminal device, and is notified to the card company and reflected in the set monthly payment amount stored in the first acquisition unit 11. In addition, a dedicated savings account 72 (FIG. 2A) is specified for the bank in addition to a normal withdrawal account 71 (FIG. 2A) that is the subject of automatic withdrawals from the card company. In addition, an application program (information processing program) required for balance update processing must be installed in the terminal device. The amount (deposit amount) of the normal withdrawal account 71 is included in the first account information 21a, and the amount (deposit amount) of the dedicated savings account 72 is included in the second account information 21b.

Next, the balance update process will be described. The balance update process is executed based on the control of the terminal device's arithmetic unit in accordance with the above application program.

In step S102 of FIG. 2, the second acquisition unit 12 determines whether the card company has notified the amount of credit card usage for the current month, and proceeds to step S104 after waiting for a positive determination. The notification of the amount of usage for the current month may be a bill for the current month from the card company, or a notification of the amount of usage issued separately from the bill. Notification timing includes when the amount of usage is determined, a specified timing after determination, or when a deduction is made from the regular debit account 71.

In step S104, the second acquisition unit 12 stores the amount used by credit card for the current month.

In step S106, the calculation unit 13 obtains the set monthly payment amount from the first acquisition unit 11 and obtains the usage amount for the current month from the second acquisition unit 12.

In step S108, the calculation unit 13 calculates the difference between the usage amount for the current month and the set monthly payment amount.

In step S110, the parameter processing unit 14 obtains the difference calculated by the calculation unit 13 and determines whether the difference is a positive value. If the determination is positive, the parameter processing unit 14 advances the process to step S112, and if the determination is negative, the parameter processing unit 14 advances the process to step S110A.

In step S110A, the parameter processing unit 14 obtains the difference calculated by the calculation unit 13 and determines whether the difference is a negative value. If the determination is positive, the parameter processing unit 14 advances the process to step S114, and if the determination is negative, the parameter processing unit 14 advances the process to step S116.

In step S112, the parameter processing unit 14 subtracts the set monthly payment amount from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21. Next, in step S118, the parameter processing unit 14 subtracts the difference calculated by the calculation unit 13 from the amount (deposit amount) of the second account information stored in the first storage unit 21.

Next, the notification process of step S200 is executed, and the process ends. The notification process of step S200 will be described later.

On the other hand, in step S114, the parameter processing unit 14 subtracts the monthly payment set amount stored in the second acquisition unit 12 from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21. Next, in step S120, the absolute value of the difference calculated by the calculation unit 13, that is, the amount obtained by subtracting the usage amount for the current month from the monthly payment set amount, is added to the amount (deposit amount) of the second account information 21b stored in the first storage unit 21, and the process ends.

On the other hand, in step S116, the parameter processing unit 14 subtracts the monthly payment setting amount (= amount used for the current month) stored in the second acquisition unit 12 from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21, and ends the process.

As shown in FIG. 2A, the amounts in the regular withdrawal account 71 and the dedicated savings account 72 are managed as follows:

First, if the amount used for the current month by credit card from the card company exceeds the set monthly payment amount, the set monthly payment amount is paid to the card company by automatic deduction from a regular withdrawal account 71 managed by the bank. The shortfall, i.e., the amount by which the amount used for the current month exceeds the set monthly payment amount, is appropriated from a dedicated savings account 72 managed by the bank.

In such a case, the fluctuations in the deposits in the withdrawal account 71 and the dedicated savings account 72 are simulated by the processing in steps S112 and S118 of the balance update process, and are correctly reflected in the amounts (deposit amounts) in the first account information 21a and second account information 21b.

In FIG. 2A, if the amount used by credit card from the card company for the current month does not reach the set monthly payment amount, the amount used for the current month is paid to the card company by automatic deduction from the regular deduction account 71. In addition, the surplus amount, i.e., the amount by which the set monthly payment amount exceeds the amount used for the current month, is transferred from the regular deduction account 71 to the dedicated savings account 72.

In such a case, the fluctuations in the deposits in the withdrawal account 71 and the dedicated savings account 72 are simulated by the processing in steps S114 and S120 of the balance update process, and are correctly reflected in the amounts (deposit amounts) in the first account information 21a and second account information 21b.

If the amount used by credit card from the card company for the current month matches the set monthly payment amount, the amount used for the current month is paid to the card company by automatic deduction from the normal deduction account 71. In this case, there is no transfer from the normal deduction account 71 shown in FIG. 2A to the dedicated savings account 72, and no appropriation from the dedicated savings account 72, and there is no change in the amount (deposit amount) in the dedicated savings account 72 related to the credit card usage for the current month.

In such a case, the fluctuations in the deposits in the regular withdrawal account 71 and the dedicated savings account 72 are simulated by the processing in step S116 of the balance update process, and are correctly reflected in the amounts (deposit amounts) in the first account information 21a and second account information 21b.

In this way, the monthly payment amount is set, and if the usage amount for the current month falls below the monthly payment amount, the surplus is saved (saved in the dedicated savings account 72), and if the usage amount for the current month exceeds the monthly payment amount, the excess amount is appropriated from the dedicated savings account 72. As a result, the monthly payment amount from the normal withdrawal account 71 is fixed, and by setting the monthly payment amount higher, it is possible to automatically save in the dedicated savings account 72. For example, compared to saving a fixed amount every month, the amount saved changes depending on the monthly payment amount, so it is possible to save money without strain. Also, no fees are incurred, as is the case when setting the monthly payment amount using revolving payments (installment payments).

The information processing system 10 of this embodiment can present the user with fluctuations in deposits in the regular withdrawal account 71 and the dedicated savings account 72, enabling planned fund management.

Figure 2B is a diagram illustrating another aspect of the procedure corresponding to the balance update process. The example in Figure 2B shows an example in which the regular withdrawal account 71 is managed by a bank, and the dedicated savings account 72 is managed by a card company. In this case, since the bank does not transfer funds from the regular withdrawal account 71 to the dedicated savings account 72, the user only needs to establish a connection with the card company, and connection with the bank is not required.

In the example shown in FIG. 2B, payments from the regular withdrawal account 71 to the card company (billing from the card company to the bank) are a fixed amount set as the monthly payment amount, and this fixed amount is paid by the bank to the card company by automatic monthly withdrawal. Fluctuations in the monthly credit card usage amount are adjusted by the card company, and if the usage amount falls short of the monthly payment amount, the difference is deposited into the dedicated savings account 72. Also, if the usage amount exceeds the monthly payment amount, the shortfall is made up from the dedicated savings account 72.

In the example shown in FIG. 2B, the fluctuations in the deposits in the withdrawal account 71 and the dedicated savings account 72 are the same as in the example shown in FIG. 2A, and the processing in the information processing system 10 is the same. In other words, in this case too, the information processing system 10 can correctly simulate the fluctuations in the deposits in the normal withdrawal account 71 and the dedicated savings account 72, enabling the user to manage funds in a planned manner.

As mentioned above, the dedicated savings account 72 is managed by the card company. If credit card payments are made from the dedicated savings account 72 instead of the regular withdrawal account 71, a special benefit may be given that is greater than usual. This has the effect of encouraging savings for the user and encouraging card usage for the card company.

Figure 3 is a diagram that shows the relationship between the set monthly payment amount and the monthly billing amount.

As shown in FIG. 3, the monthly payment amount is fixed according to the set payment amount, and the monthly billing amount fluctuates. In a month when the billing amount falls below the set payment amount, the difference is deposited in the dedicated savings account 72, and in a month when the billing amount exceeds the set payment amount, the shortfall is paid from the dedicated savings account 72. The amount debited from the normal withdrawal account 71 is a fixed payment amount every month, regardless of the billing amount. Therefore, even in months when card usage is high, there is no need to worry about the normal withdrawal account 71 having a shortfall. In addition, in months when card usage is low, savings can be automatically deposited in the dedicated savings account 72, and there is no risk of unnecessary spending of the remaining deposits in the withdrawal account 71. This allows for planned management of funds.

Figure 4 is a flowchart showing the notification process (step S200). The notification process is a process in which the notification processing unit 31 generates warning information and notifies the user.

In step S202 of FIG. 4, a determination is made as to whether the amount (deposit amount) in the second account information 21b after the difference has been subtracted in step S118 (FIG. 2) is negative, and if the determination is positive, the process proceeds to step S204, and if the determination is negative, the process returns.

In step S204, the notification processing unit 31 generates warning information and notifies the user, or sets the state so that the user will be notified at the appropriate time, and then ends the processing.

The warning information is information indicating that the balance in the dedicated savings account 72 is insufficient for the set payment amount. The warning information enables the user to recognize that the balance in the dedicated savings account 72 is insufficient, and, for example, to resolve the insufficient balance before the withdrawal. The warning information is, for example, displayed in a timely manner on the screen of the user's terminal device.

In addition, if a financial institution that has a contract with the user, such as a card company, detects that the balance in the dedicated savings account 72 is insufficient, the financial institution may notify the user's terminal device of information equivalent to warning information. Even in this case, the information may be displayed, for example, on the screen of the user's terminal device at the appropriate time.

Figure 5 is a flowchart showing the guidance information generation process. The guidance information generation process is a process that generates guidance information for guiding a user to a store where credit cards can be used, based on the user's product search status. This process can be started and ended, for example, in response to a specific operation by the user.

In step S302 of FIG. 5, the situation detection unit 41 determines whether or not a product search for the purpose of purchasing a product has been performed on the user's terminal device, and when the determination is affirmative, proceeds to step S304.

In step S304, the situation detection unit 41 acquires the first account information 21a via the parameter processing unit 14 and the first memory unit 21.

In step S306, the status detection unit 41 executes a search for the product that was the subject of the product search or a product similar to the subject of the product search, and obtains the selling price of the product at the store (site) that sells the product and whether or not the corresponding credit card can be used at the store (site).

In step S308, the guidance processing unit 42 generates guidance information for guiding the user to a store (site) where the corresponding credit card can be used, within the amount (deposit amount) of the first account information 21a, based on the selling price of the product acquired by the status detection unit 41 and whether the corresponding credit card can be used, presents the information to the user via the screen of the terminal device, etc., and proceeds to step S302. In this case, the site to which the user is guided may be selected from affiliated sites of the credit card, or may be determined based on the user's past usage history, etc. Also, instead of guiding to a store (site), guidance to a product page may be realized.

For example, in step S308, guidance information may be presented in such a manner that the user can access a specific page of the store (site) by touching the screen of the mobile terminal or by clicking a specific icon on the screen of the terminal device. Based on the guidance information, the user can easily purchase the necessary products with a credit card.

Figure 6 is a flowchart showing the purchase process. The purchase process is a process for purchasing a financial product based on the setting information stored in the second storage unit 51.

In step S402 of FIG. 6, the purchase processing unit 52 acquires the setting information stored in the second storage unit 51.

In step S404, the purchase processing unit 52 judges whether there is a financial product to be purchased based on the acquired setting information, and if the judgment is positive, the process proceeds to step S406, and if the judgment is negative, the process ends. The setting information includes information indicating whether the user uses the service of the purchase processing by the purchase processing unit 52, and information specifying the financial product to be purchased when using this service. This service is a service provided by a financial institution such as a bank or a card company. If at least one financial product to be purchased is specified using the service, the judgment in step S404 is positive. The setting information also includes a threshold value related to the amount (deposit amount) of the second account information 21b. This threshold value is an amount that is a criterion for determining whether or not to execute the purchase process, and transition to the purchase process of the financial product is permitted on the condition that the amount (deposit amount) of the second account information 21b exceeds the threshold value. This threshold value is also set by the user and stored in the second storage unit 51 as a parameter included in the setting information. The financial products that can be purchased are optional and may include not only investment trusts, stocks, corporate bonds, government bonds, and insurance, but also crypto assets, gold bullion, NFTs (Non-Fungible Tokens), etc.

In step S406, the purchase processing unit 52 acquires the second account information 21b via the parameter processing unit 14 and the first memory unit 21.

In step S408, the purchase processing unit 52 compares the amount (deposit amount) of the second account information 21b included in the setting information with the above threshold value related to the amount (deposit amount) of the second account information 21b, and determines whether the amount (deposit amount) of the second account information 21b exceeds the threshold value. If the determination is positive, the purchase processing unit 52 proceeds to step S410, and if the determination is negative, the purchase processing unit 52 ends the process.

In step S410, the purchase processing unit 52 determines whether or not a purchase of a specific financial product has been instructed based on the user's operation on the terminal device, and if the determination is affirmative, the process proceeds to step S412, and if the determination is negative, the process ends.

In step S412, the purchase processing unit 52 executes the processing required to purchase the specific financial product instructed to be purchased based on the user's operation on the terminal device, and ends the processing. Here, for example, a procedure for concluding a contract with a financial institution to purchase a specific product is executed via communication processing.

In this way, in the purchase process shown in FIG. 6, when the amount (deposit amount) of the second account information 21b, i.e., the deposit amount in the dedicated savings account 72, exceeds the above threshold, the user can purchase financial products using the deposit in the dedicated savings account 72 through a simple procedure. In addition, financial institutions can promote sales of financial products by providing this service.

Figure 7 is a flowchart showing the achievement information generation process. The achievement information generation process is a process for generating achievement information. This achievement information is information that indicates how much the amount (deposit amount) of the second account information 21b, i.e., the deposit amount of the dedicated savings account 72, has reached in relation to the target amount.

In step S502 of FIG. 7, the information generating unit 62 acquires the goal information stored in the third storage unit 61. The goal information includes the user's goal, which is the amount of money deposited in the dedicated savings account 72 to be achieved.

In step S504, the information generation unit 62 acquires the second account information 21b via the parameter processing unit 14 and the first memory unit 21.

In step S506, the information generating unit 62 compares the deposit amount (target amount) in the dedicated savings account 72 to be achieved, which is included in the goal information, with the amount (deposit amount) in the second account information 21b, generates the achievement information described above, and ends the process. The achievement information may be, for example, the ratio of the amount (deposit amount) in the second account information 21b to the deposit amount (target amount) in the dedicated savings account 72 to be achieved, or may be the difference obtained by subtracting the amount (deposit amount) in the second account information 21b from the deposit amount (target amount) in the dedicated savings account 72 to be achieved.

The generated achievement information is displayed on the display screen of the terminal device, or is stored in a form that can be displayed on the display screen of the terminal device. This allows the user to check at any time how much the actual amount saved in the dedicated savings account 72 has achieved compared to the target deposit amount (goal amount), and the user can increase his/her motivation to save. This deposit amount may be a fixed target amount, or a target amount that increases over time. For example, the target deposit amount may be set to increase by the same amount each month, or by different amounts each month. In particular, when saving from a long-term perspective, the target deposit amount can be set to a realistic amount by setting it to increase over the years, and motivation to save can be maintained over the long term.

In the above embodiment, the deposits in the withdrawal account 71 and the dedicated savings account 72 that are actually operated are associated with the first account information 21a and the second account information 21b. However, in addition to executing processes linked to actual operations, it is also possible to use the information processing system according to the present invention for simulations that are separated from actual operations. For example, it can be applied to simulations of savings when the monthly payment amount is changed, or when a specific product is purchased using a credit card.

In addition, the information processing system according to the present invention can be used in financial institutions to make credit-related decisions for users who use credit cards, for example, in ongoing credit screening.

Although each embodiment has been described in detail above, it is not limited to a specific embodiment, and various modifications and changes are possible within the scope of the claims. It is also possible to combine all or some of the components of the above-mentioned embodiments.

The following notes are further provided with respect to the above examples.

(Appendix 1)
A first acquisition unit that acquires a set monthly payment amount associated with a user;
A second acquisition unit that acquires a monthly usage amount of a credit card associated with the user;
A calculation unit that calculates the relationship between the set payment amount and the usage amount associated with the user on a monthly basis;
A parameter processing unit that changes a value of a specific parameter associated with the user based on a calculation result by the calculation unit.

The configuration of Appendix 1 makes it possible to determine the value of a specific parameter that varies depending on the relationship between the set payment amount and the usage amount. This can help users manage their funds.

(Appendix 2)
The specified parameters include a balance of a predetermined medium having an asset value;
The information processing system according to claim 1, wherein the parameter processing unit executes a balance update process that calculates a difference between the set payment amount and the usage amount each month and adds the difference to the balance.

According to the configuration in Appendix 2, the balance can be updated every month depending on the magnitude relationship (difference) between the set payment amount and the usage amount.

(Appendix 3)
a first storage unit that stores account information in a financial institution associated with the user, the first account information relating to a withdrawal of the usage amount and a second account information relating to the balance;
The information processing system described in Appendix 2, wherein the parameter processing unit executes the balance update process in a manner that realizes the transfer of the specified medium from the first account information to the second account information when the difference is positive because the set payment amount is greater than the usage amount.

According to the configuration of Appendix 3, the balance can be updated by moving a specified medium from the first account information to the second account information.

(Appendix 4)
4. The information processing system according to claim 2 or 3, further comprising a notification processing unit that generates warning information for any use of the credit card that would result in a negative balance.

According to the configuration of Appendix 4, the warning information allows the user to recognize that the balance of the second account information is insufficient. In this case, the warning information may include warning information indicating that the balance is insufficient and/or warning information suggesting an increase in the set payment amount.

(Appendix 5)
A situation detection unit that detects a product search situation by the user;
An information processing system as described in any one of appendices 2 to 4, further comprising a guidance processing unit that generates guidance information for guiding the user to a store where the credit card can be used within the balance when the product search status is detected.

With the configuration of Appendix 5, users can easily purchase products at stores where their balance is not insufficient.

(Appendix 6)
A second storage unit that stores the setting information by the user;
An information processing system described in any one of Appendices 2 to 5, further comprising a purchase processing unit that, when the balance exceeds a threshold based on the setting information, executes processing to purchase a specific financial product with the amount exceeding the threshold.

According to the configuration of Appendix 6, the processing by the purchase processing unit allows the user to purchase financial products through simple procedures.

(Appendix 7)
A third storage unit that stores goal information representing a goal of the user;
The information processing system according to any one of appendixes 2 to 6, further comprising an information generating unit that generates information representing a degree of achievement of the goal of the goal information based on the goal information and the balance.

According to the configuration of Appendix 7, the user can recognize the degree to which he or she has reached his or her goal based on the information generated by the information generating unit.

(Appendix 8)
An information processing program executable by an information processing device,
An information processing program that causes the information processing device to realize at least a part of the information processing system according to claim 1 .

REFERENCE SIGNS LIST 11 First acquisition unit 12 Second acquisition unit 13 Calculation unit 14 Parameter processing unit 21 First storage unit 31 Notification processing unit 41 Status detection unit 42 Guidance processing unit 51 Second storage unit 52 Purchase processing unit 61 Third storage unit 62 Information generation unit

Claims (7)

A first acquisition unit that acquires a set monthly payment amount associated with a user;
A second acquisition unit that acquires a monthly usage amount of a credit card associated with the user;
A calculation unit that calculates the relationship between the set payment amount and the usage amount associated with the user on a monthly basis;
a parameter processing unit that changes a value of a specific parameter associated with the user based on a calculation result by the calculation unit ;
The specified parameters include a balance of a predetermined medium having an asset value;
the parameter processing unit executes a balance update process for calculating a difference between the usage amount and the set payment amount for each month and adding the difference to the balance;
An information processing system , wherein the specified medium is currency, various points, or crypto assets . a first storage unit that stores account information in a financial institution associated with the user, the first account information relating to a withdrawal of the usage amount and a second account information relating to the balance;
The information processing system of claim 1, wherein the parameter processing unit executes the balance update process in a manner that realizes the transfer of the specified medium from the first account information to the second account information when the difference is positive because the payment setting amount is greater than the usage amount . 3. The information processing system according to claim 1 , further comprising a notification processing unit that generates warning information for a use of the credit card that would cause the balance to become negative. A situation detection unit that detects a product search situation by the user;
4. The information processing system according to claim 1, further comprising: a guidance processing unit that generates guidance information for guiding the user to a store where the credit card can be used within the balance when the product search status is detected. A second storage unit that stores the setting information by the user;
An information processing system as claimed in any one of claims 1 to 4, further comprising a purchase processing unit that, when the balance exceeds a threshold based on the setting information, executes processing to purchase a specific financial product with the amount exceeding the threshold. A third storage unit that stores goal information representing a goal of the user;
The information processing system according to claim 1 , further comprising: an information generating unit configured to generate information representing a degree of achievement of the goal of the goal information based on the goal information and the balance. An information processing program executable by an information processing device,
An information processing program that causes the information processing device to realize at least a part of the information processing system according to claim 1 .