Information processor, information processing system, information processing method, and program

Abstract

To improve convenience when users change their usage limits.SOLUTION: An information processor includes: a reception unit that accepts input by an operator of an instruction to initiate a procedure for changing a usage limit that indicates a limit on the total amount of financial transactions used by a customer in a predetermined period of time; and an output control unit that controls the output to the operator of the type of financial transaction used to calculate the total amount when the input of the instruction to initiate the procedure is accepted by the reception unit.SELECTED DRAWING: Figure 3

Description

Technical Field

[0001] The present invention relates to an information processing apparatus, an information processing system, an information processing method, and a program.

Background Art

[0002] Conventionally, various types of financial transactions by customers are performed using an information processing apparatus such as an ATM (Automatic Teller Machine) installed in a financial institution or the like or a smartphone. In some financial transactions, a limit amount, which is the limit of the total usage amount within a predetermined period, may be set.

[0003] Also, the limit amount is sometimes changed based on an operation performed on the information processing apparatus. For example, Patent Document 1 discloses an information processing apparatus that accepts a change in the limit amount for transfer transactions among financial transactions.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, a usage limit amount, which is the limit of the total usage amount of a plurality of types of financial transactions within a predetermined period, may be set, and a change in the usage limit amount may be accepted. However, if the operator of the information processing apparatus erroneously recognizes the types of financial transactions used in calculating the usage limit amount, there is a risk that a setting different from the operator's assumption will be made in the operation of changing the usage limit amount.

[0006] Therefore, the present invention has been made in view of the above problems, and an object of the present invention is to provide a novel and improved technology capable of improving the convenience when a user changes the usage limit amount.

Means for Solving the Problems

[0007] In order to solve the above problems, according to an aspect of the present invention, there is provided an information processing apparatus including: a reception unit that receives an input by an operator for an instruction to start a change procedure of a usage limit amount indicating a limit of a total usage amount of financial transactions by a customer within a predetermined period; and an output control unit that controls to output to the operator the types of the financial transactions used for the calculation of the total when the input of the start instruction is received by the reception unit.

[0008] The output control unit may control to output the types of the financial transactions to a screen for inputting the changed usage limit amount.

[0009] The output control unit may control to output a screen for displaying the types of the financial transactions immediately before transitioning to a screen for inputting the changed usage limit amount.

[0010] When a screen for displaying the types of the financial transactions is output to the operator based on the control of the output control unit, the reception unit may receive a selection by the operator as to whether to continue the change procedure of the usage limit amount.

[0011] The output control unit may control to output the types of the financial transactions to a caution screen regarding the change procedure of the usage limit amount, which is displayed when an input of an instruction to start the change procedure of the usage limit amount is received by the reception unit.

[0012] The types of the financial transactions may include transactions other than withdrawals.

[0013] The types of the financial transactions may include withdrawals, transfers, and transfers.

[0014] The output control unit may display the type of the financial transaction in an emphasized manner.

[0015] The output control unit may control to display the type of the financial transaction on all screens displayed in the procedure for changing the usage limit amount.

[0016] The information processing apparatus further includes an acquisition unit that acquires the usage amount of the customer's past financial transactions, and the output control unit controls to output a screen including the type of the financial transaction based on a comparison result between the usage amount acquired by the acquisition unit and the usage limit amount input by the operator.

[0017] Also, according to another aspect of the present invention, in order to solve the above problems, a reception unit that receives an input by an operator for an instruction to start a procedure for changing a usage limit amount indicating a limit of the total usage amount of financial transactions by a customer during a predetermined period, and when the input of the start instruction is received by the reception unit, an output control unit that controls to output the type of the financial transaction used for the calculation of the total to the operator, and an information processing system is provided.

[0018] Also, according to another aspect of the present invention, in order to solve the above problems, a program is provided for causing a computer to function as a reception unit that receives an input by an operator for an instruction to start a procedure for changing a usage limit amount indicating a limit of the total usage amount of financial transactions by a customer during a predetermined period, and an output control unit that controls to output the type of the financial transaction used for the calculation of the total to the operator when the input of the start instruction is received by the reception unit.

[0019] Also, according to another aspect of the present invention for solving the above problems, receiving an input by an operator of an instruction to start a change procedure for a usage limit amount indicating a limit of the total usage amount of financial transactions by a customer during a predetermined period, and when the input of the start instruction is received, controlling to output to the operator the types of the financial transactions used for the calculation of the total. There is provided an information processing method executed by a computer including these steps.

Advantages of the Invention

[0020] As described above, according to the present invention, it is possible to improve the convenience when a user changes the usage limit amount.

Brief Description of the Drawings

[0021]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Embodiments for Carrying Out the Invention

[0022] Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are denoted by the same reference numerals, and redundant description is omitted.

[0023] Also, in the present specification and the drawings, a plurality of components having substantially the same functional configuration may be distinguished by attaching different numbers after the same reference numeral. However, when it is not necessary to particularly distinguish each of the plurality of components having substantially the same functional configuration, only the same reference numeral is attached to each of the plurality of components.

[0024] <1. Overview> First, an overview of an embodiment of the present invention will be described with reference to FIG. 1. FIG. 1 is an explanatory diagram showing an example of the configuration of an automatic transaction system 1 according to an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system 1 is an information processing system including an ATM (Automatic Teller Machine) 10, a financial institution host 20, and a network 30.

[0025] (ATM10) ATM10 is an example of an information processing apparatus according to the present embodiment that executes a financial transaction based on an operation by an operator. The operator is, for example, a customer of a financial institution. In the present embodiment, an example in which the operator of ATM10 is a customer of a financial institution will be mainly described, but the operator may be an agent of the customer or an employee of the financial institution.

[0026] The ATM 10 is installed in various facilities such as bank branches, convenience stores, inside railway stations, hotels, hospitals, amusement parks, restaurants, and office buildings. Based on operations by customers, the ATM 10 communicates with the financial institution host 20 and executes various financial transactions and procedures related to the accounts held by customers at the financial institution. The financial transactions executed by the ATM 10 are, for example, transactions such as cash deposits, withdrawals, transfers, and account transfers.

[0027] A deposit is a transaction in which the cash paid by the customer is credited to the customer's account. A withdrawal is a transaction in which cash in an amount specified by the customer is paid out from the customer's account. A transfer is a transaction in which funds are moved from the customer's account to an account specified by the customer. An account transfer is a transaction in which funds are moved from the customer's account to an account of the same financial institution and under the same name as that account.

[0028] The procedures executed by the ATM 10 are, for example, procedures for changing the usage limit. Details of the usage limit will be described later.

[0029] As shown in FIG. 1, the ATM 10 includes an operation display unit 110, a card insertion slot 115, and a customer service opening 116.

[0030] The operation display unit 110 includes a display unit that displays a screen for guiding operations by customers and functions as an operation unit that detects operations by customers. The operation unit also functions as a reception unit that receives execution instructions for financial transactions and procedures related to accounts from customers. The function as a display unit is realized, for example, by a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. Also, the function as an operation unit is realized, for example, by a touch panel. Note that in FIG. 1, an example is shown in which the functions of the display unit and the operation unit are integrally configured in the ATM 10, but the functions of the display unit and the operation unit may be configured separately.

[0031] The card insertion slot 115 inserts and ejects the customer's cash card and credit card. In addition, the customer service port 116 functions as a deposit slot for banknotes by the customer and a withdrawal slot for banknotes to the customer.

[0032] (Financial institution host 20) The financial institution host 20 controls various transactions by communicating with the ATM 10 via the network 30. For example, the financial institution host 20 authenticates the customer operating the ATM 10 and executes various financial transactions and procedures instructed by the customer at the ATM 10.

[0033] (Network 30) The network 30 is a financial institution's network and is composed of, for example, a dedicated line or an IP-VPN (Internet Protocol-Virtual Private Network). The ATM 10 and the financial institution host 20 transmit and receive various information via the network 30.

[0034] (Sorting out problems) In financial transactions, a usage limit amount indicating the limit of the total usage amount of financial transactions within a predetermined period may be set. Hereinafter, the predetermined period for calculating the total usage amount is also referred to as the "target period". The target period may be, for example, one day or one month. More specifically, the usage limit amounts for each of one day and one month may be set. Here, the usage limit amount may be set as the limit of the total usage amount of a plurality of types of financial transactions in each period. In the following, the total usage amount of the above-mentioned plurality of types of financial transactions is also referred to as the "total usage amount". In addition, the type of financial transaction amount subject to the calculation of the total usage amount is also referred to as the "target transaction type".

[0035] The target transaction type is set for each financial institution. For example, the target transaction type may include at least one of, for example, withdrawal, transfer, and transfer. In this embodiment, an example in which the target transaction type includes withdrawal, transfer, and transfer will be described.

[0036] The usage limit amount is changed based on the operation of the operation display unit 110 of the ATM10 by the customer. When the operation display unit 110 receives an input of an instruction to start the procedure for changing the usage limit amount from the customer, the screen is transitioned to guide the procedure for changing the usage limit amount. The customer executes the procedure for changing the usage limit amount while checking the screen displayed on the operation display unit 110.

[0037] Here, as a comparative example with the present invention, it is conceivable that an ATM screen is generated on the premise that the customer recognizes the definition of the usage limit amount. FIG. 2 is a diagram showing a comparative example with the present invention of a caution screen regarding the procedure for changing the usage limit amount. The caution screen is a screen displayed on the ATM to prompt caution regarding the procedure for changing the usage limit amount. As shown in FIG. 2, the caution screen 1101 includes a caution notation G1, a cancel button Ba, and a confirmation button Bb.

[0038] The caution notation G1 is a notation for prompting the customer to pay attention to the change in the usage limit amount. The cancel button Ba is an operation button for canceling the procedure for changing the usage limit amount. The confirmation button Bb is an operation button for accepting that the customer has confirmed the content of the guidance notation G1 and continuing the procedure for changing the usage limit amount. Here, if the customer presses the confirmation button Bb and proceeds with the procedure while mistakenly recognizing the definition of the usage limit amount, there is a possibility of making a setting different from the intention in the procedure for changing the usage limit amount.

[0039] For example, it is conceivable that the customer mistakenly recognizes that the usage limit amount indicates the limit of the total usage amount of "withdrawals" during the target period. Note that the caution notation G1 states that changes for each target transaction type cannot be made at the ATM. That is, although the caution notation G1 implicitly indicates that there are multiple target transaction types, the customer may not check the caution notation G in detail.

[0040] If a customer changes the usage limit amount after misrecognizing the definition of the usage limit amount as described above, there is a possibility that, contrary to the customer's intention, the total amount of the customer's usage reaches the usage limit amount within the target period. As a result, the convenience of the customer is reduced, which may lead to a claim against the financial institution. In addition, since the increase in the usage limit amount may only be accepted at the counter, it takes time when the customer changes the usage limit amount again as intended.

[0041] Therefore, when the ATM 10 according to the present embodiment receives an input of an instruction to start the procedure for changing the usage limit amount by a customer, it controls to display the definition of the usage limit amount, thereby improving the convenience of the customer.

[0042] <2. Configuration Example> FIG. 3 is a block diagram showing a functional configuration example of the ATM 10 according to the present embodiment. As shown in FIG. 3, the ATM 10 according to the present embodiment mainly includes an operation display unit 110, a communication unit 120, a storage unit 140, and a control unit 150. Hereinafter, each functional unit of the ATM 10 will be described. However, the description of the configuration described with reference to FIG. 1 will be omitted.

[0043] (Communication Unit 120) The communication unit 120 communicates with the financial institution host 20 via the network 30. The communication unit 120 has, for example, a function of an acquisition unit that acquires information regarding the customer's account by receiving it from the financial institution host 20. In addition, the communication unit 120 transmits information such as transaction details in the ATM 10 to the financial institution host 20.

[0044] (Storage Unit 140) The storage unit 140 is realized from a ROM (Read Only Memory), a RAM (Random Access Memory), etc., and stores a control program for controlling the operation of the ATM 10, display information to the operation display unit 110, etc. In addition, the storage unit 140 may store each transaction detail performed in the ATM 10 according to the control of the control unit 150.

[0045] (Control Unit 150) The control unit 150 is configured around, for example, a CPU (Central Processing Unit) or the like, and controls each functional unit of the ATM 10. For example, the control unit 150 executes various financial transactions and executes various procedures. Further, as shown in FIG. 3, the control unit 150 includes a display control unit 151.

[0046] (Display Control Unit 151) The display control unit 151 is an example of an output control unit that controls the output of guidance from the ATM 10 to the customer, and controls the display on the operation display unit 110. For example, in the procedure for changing the usage limit amount, the display control unit 151 controls to generate a plurality of screens and display them on the operation display unit 110, thereby guiding the customer through the procedure for changing the usage limit amount. When the operation display unit 110 receives an input of an instruction to start the procedure for changing the usage limit amount from the customer, the display control unit 151 controls the operation display unit 110 to display the definition of the usage limit amount.

[0047] The definition of the usage limit amount includes at least the types of financial transactions used for calculating the total usage amount. Further, the definition of the usage limit amount may include information about the target period for calculating the total usage amount. The information about the target period may include information indicating the number of days or months of the target period (for example, 1 day or 1 month, etc.), or may include information indicating the start date and end date of the target period (for example, from 0:00 to 24:00 each day or from the 1st to the last day of each month, etc.).

[0048] The display control unit 151 controls the operation display unit 110 to display the definition of the usage limit amount on at least one of the screens displayed in the procedure for changing the usage limit amount. Hereinafter, the description of the definition of the usage limit amount displayed on the screen is also referred to as "definition notation". From here, an example of a screen including the definition notation generated by the display control unit 151 will be described.

[0049] For example, the display control unit 151 may control the operation display unit 110 to display the defined notation on a warning screen displayed on the operation display unit 110 in order to prompt attention regarding the procedure for changing the usage limit amount. The warning screen may be displayed immediately after the operation display unit 110 receives an input for instructing the start of the procedure for changing the usage limit amount.

[0050] FIG. 4 is a diagram for explaining an example of a warning screen including a defined notation displayed on the operation display unit 110 according to the control of the display control unit 151. As shown in FIG. 4, the warning screen 1102 includes a warning notation G2. The warning notation G2 is a notation in which a defined notation D1 is added to the warning notation G1 included in the warning screen 1102 related to the comparative example shown in FIG. 2.

[0051] The defined notation D1 describes the definition of the usage limit amount. FIG. 4 shows an example in which the defined notation D1 reads "The usage limit amount is the upper limit of the total amount of withdrawals, transfers, and transfers in a day or a month." Thus, the defined notation D1 includes a description of the target transaction type. Here, an example is shown assuming that the customer selects whether to change the daily usage limit amount or the monthly usage limit amount based on the operation of the operation display unit 110 on the screen displayed after the warning screen 1102. When the target period of the usage limit amount is determined at the time of display of the warning screen 1102, it is preferable that the target period be clearly stated.

[0052] The defined notation D1 may be prominently displayed on the warning screen 1102. The method of emphasizing the defined notation D1 is not particularly limited. For example, the defined notation D1 may be emphasized by being displayed in a color different from the colors of other descriptions in the guidance notation G2 (for example, a conspicuous color such as red), or by being displayed with a background color different from other locations. Also, the defined notation D1 may be emphasized by being displayed in larger characters than other locations, by blinking, or by underlining the description. This makes it easier for the customer to recognize the defined notation D1.

[0053] As described above, by displaying the definition notation D1 on the attention screen 1102, it is possible to easily make the customer recognize that the total usage amount includes not only withdrawals but also the usage amounts of transfers and transfers. In addition, it is possible to easily make the customer recognize the target period of the usage limit amount. As a result, it is possible to prevent the customer from misrecognizing the definition of the usage limit amount and making a setting different from the intention. In particular, since the attention screen 1102 is assumed to be displayed first in the procedure for changing the usage limit amount, it is possible to prevent the customer from proceeding with the procedure while misrecognizing the definition of the usage limit amount at an early stage.

[0054] As another example, the display control unit 151 may control to output the target transaction type to the amount input screen which is a screen for inputting the changed usage limit amount. The amount input screen may be a screen displayed on the operation display unit 110 following, for example, the attention screen 1102 shown in FIG. 4.

[0055] FIG. 5 is a diagram for explaining an example of an amount input screen including the definition of the usage limit amount displayed on the operation display unit 110 according to the control of the display control unit 151. On the left side of FIG. 5, an amount input screen 1103 according to a comparative example is shown. The amount input screen 1103 according to the comparative example is a screen generated on the premise that the customer recognizes the definition of the usage limit amount. The amount input screen 1103 according to the comparative example includes an input explanation notation R1 and an amount input key K. The input explanation notation R1 is a description for presenting an explanation to the customer regarding the input of the usage limit amount. The amount input key K is a key including buttons such as numbers that the customer presses when inputting the usage limit amount.

[0056] If a customer who proceeds with the procedure for changing the usage limit amount while looking at the amount input screen 1103 according to the comparative example misrecognizes the definition of the usage limit amount, there is a possibility that a usage limit amount setting different from the customer's intention may be made.

[0057] On the right side of FIG. 5, an amount input screen 1104 according to the present embodiment is shown. The amount input screen 1104 includes a definition notation D2 in addition to the amount input screen 1103 according to the comparative example.

[0058] Definition notation D2 is a description of the definition of the usage limit amount. Here, it is shown that the target transaction types are withdrawals, transfers, and transfers, and the target period is one day.

[0059] In this way, by displaying the definition notation D2 on the amount input screen 1104, it is easier for the customer to recognize that the total usage amount includes not only the usage amount of withdrawals but also the usage amounts of transfers and transfers. Also, it is easier for the customer to recognize the target period of the usage limit amount. This can prevent the customer from misrecognizing the definition of the usage limit amount and making settings different from the intention. Since the amount input screen 1104 is the screen that the customer pays the most attention to among the multiple screens displayed in the usage limit amount change procedure, by displaying the definition notation D2 on the amount input screen 1104, it is easier for the customer to recognize the definition of the usage limit amount.

[0060] Above, an example of the screen on which the definition notation is displayed has been described. The display control unit 151 may control the operation display unit 110 to display the definition of the usage limit amount on all of the screens displayed in the usage limit amount change procedure. This further increases the possibility that the customer will check the definition notation.

[0061] <3. Operation example> Next, referring to FIG. 6, an operation example of the ATM 10 according to the present embodiment will be described. FIG. 6 is a flowchart for explaining the operation example of the ATM 10 according to the present embodiment.

[0062] First, the operation display unit 110 receives an input of an instruction to start the usage limit amount change procedure by the customer (S101).

[0063] The display control unit 151 controls the operation display unit 110 to display the definition of the usage limit amount on at least one of the screens displayed in the usage limit amount change procedure by the customer (S102).

[0064] The control unit 150 determines whether or not the procedure for changing the usage limit amount has been completed (S103). If the procedure for changing the usage limit amount has not been completed (S103 / NO), for example, if the procedure for changing the usage limit amount has been canceled by the customer midway, the control unit 150 ends the process. If the procedure for changing the usage limit amount has been completed (S103 / YES), the control unit 150 executes the process of changing the usage limit amount, and the process ends (S104).

[0065] <4. Variation Example> (First Variation Example) Subsequently, a variation example according to the present embodiment will be described. First, as a first variation example, an example in which the operation display unit 110 displays a screen different from the screens described so far will be described.

[0066] In the display control unit 151 according to the first variation example, in the procedure for changing the usage limit amount, immediately before the screen transitions to the amount input screen, the operation display unit 110 is controlled to display a screen including a defined notation.

[0067] The screen including the defined notation may be, for example, a confirmation screen in which a popup including the defined notation is displayed overlaid on the amount input screen. The confirmation screen may also include buttons for the customer to select whether or not to continue the procedure for changing the usage limit amount.

[0068] FIG. 7 is a diagram for explaining an example of a confirmation screen in which a popup including a defined notation is displayed overlaid on the amount input screen 1104 shown on the right side of FIG. 5. The confirmation screen 1106 is displayed on the operation display unit 110 according to the control of the display control unit 151. As shown in FIG. 7, on the confirmation screen 1106, the amount input screen 1104 and the popup 1107 are displayed overlaid. The popup 1107 includes a defined notation D3, a change confirmation button Bc, and a change cancellation button Bd.

[0069] The defined notation D3 is a description of the definition of the usage limit amount. Here, an example is shown in which the target transaction types are withdrawals, transfers, and transfers, and the target period is one day.

[0070] The change confirmation button Bc is an operation button for the customer to confirm the continuation of the usage limit change procedure. When the change confirmation button Bc is pressed, the operation display unit 110 accepts the continuation of the usage limit change procedure and transitions the screen to the amount input screen 1104.

[0071] The change cancellation button Bd is an operation button for the customer to cancel the usage limit change procedure. When the change confirmation button Bc is pressed, the operation display unit 110 accepts the cancellation of the usage limit change procedure. In this case, the control unit 150 executes control to return the customer's card inserted into the card insertion slot 115.

[0072] In this way, by displaying the definition notation D3 immediately before the screen transitions to the amount input screen 1104 and allowing the customer to select whether to continue the usage limit change procedure, the certainty of making the customer recognize the definition of the usage limit is improved. Thereby, it is possible to prevent the customer from misrecognizing the definition of the usage limit and making a setting different from the intention.

[0073] Here, an example where the confirmation screen 1106 is displayed immediately before the screen transitions to the amount input screen 1104 has been described, but the timing of displaying the confirmation screen is not particularly limited as long as it is before the change of the usage limit is confirmed.

[0074] (Second Modification Example) Subsequently, as a second modification example, an example will be described in which the display control unit 151 generates a screen to be displayed on the operation display unit 110 based on the usage amounts of the customer's past financial transactions acquired from the financial institution host 20.

[0075] The communication unit 120 according to the second modification example acquires the usage amounts of the customer's past financial transactions from the financial institution host 20. The usage amounts acquired by the communication unit 120 may be, for example, the total usage amount during the current target period or a past target period, or the usage amount for each target transaction type.

[0076] The display control unit 151 may control the operation display unit 110 to display a confirmation screen including a defined notation based on the comparison result between the past usage amount acquired by the communication unit 120 and the usage limit amount input by the customer on the amount input screen. Hereinafter, the usage limit amount input by the customer on the amount input screen, that is, the usage limit amount that the customer intends to set, is also referred to as the "set usage limit amount".

[0077] For example, when the total usage amount during the current target period or a past target period is higher than the set usage limit amount, the display control unit 151 may display a confirmation screen. Also, in such a case, the display control unit 151 may display a confirmation screen so that the customer can recognize that the total usage amount is higher than the set usage limit amount.

[0078] FIG. 8 and FIG. 9 are diagrams for explaining an example of a confirmation screen generated based on the comparison result between the past usage amount acquired by the communication unit 120 and the set usage limit amount. In FIG. 8, an example in which the target period is one day is explained.

[0079] The confirmation screen 1108 shown in FIG. 8 is displayed on the operation display unit 110 under the control of the display control unit 151. The confirmation screen 1108 includes a defined notation D4, a set usage limit amount A1, and a usage record list T1.

[0080] The defined notation D4 describes the definition of the usage limit amount. Here, it is shown that the target transaction types are withdrawals, transfers, and transfers, and the target period is one day.

[0081] The set usage limit amount A1 is the usage limit amount for one day input by the customer on the amount input screen. Here, an example where the set usage limit amount A1 is "100,000 yen" is shown.

[0082] The usage record list T1 includes the total usage amount for the past target period. More specifically, the usage record list T1 includes the usage amount for the day with the highest total usage amount in each month during the past three months. Note that the display control unit 151 may execute control to emphasize and display the maximum usage amount of "123,400 yen" in the "previous month", which is an amount higher than the set usage limit amount A1 of "100,000 yen", among the usage amounts included in the usage record list T1.

[0083] When the past usage amount is higher than the set usage limit amount A1, there may be a possibility that the customer is trying to set the usage limit while misunderstanding the definition of the usage limit. A customer who misunderstands the definition of the usage limit can recognize that the past usage amount is higher than the set usage limit amount A1 by checking the usage record list T1, and thus can recognize that a setting different from the intention is being attempted.

[0084] Subsequently, another example of the confirmation screen will be described with reference to FIG. 9. In FIG. 9, an example where the target period is one month will be described.

[0085] The confirmation screen 1109 shown in FIG. 9 is displayed on the operation display unit 110 according to the control of the display control unit 151. As shown in FIG. 9, the confirmation screen 1109 includes a definition notation D5, a set usage limit amount A2, and a usage record list T2.

[0086] The definition notation D5 is a description of the definition of the usage limit. Here, it is shown that the target transaction types are withdrawals, transfers, and transfers, and the target period is one month.

[0087] The set usage limit amount A2 is the usage limit for one month input by the customer on the amount input screen. Here, an example where the set usage limit amount A2 is "200,000 yen" is shown.

[0088] The usage record list T2 includes the total usage amount for each month and the usage amount for each target transaction type in the past three months. The display control unit 151 may execute control to emphasize and display the total usage amount of "last month", which is "221,000 yen", which is higher than the set usage limit amount A2 of "200,000 yen" among the total usage amounts included in the usage record list T2, and the usage amounts of each target transaction type used to calculate the total usage amount.

[0089] In this way, when the display control unit 151 displays the usage amount of each target transaction type of the customer on the operation display unit 110, the customer can check the set usage limit amount A2 in light of their own usage situation. Therefore, if the customer has misunderstood the definition of the usage limit amount, they can notice their own misunderstanding.

[0090] <5. Hardware Configuration Example> Next, the hardware configuration of the ATM 10 according to this embodiment will be described. The above operations are realized by the cooperation of software and the hardware described below.

[0091] FIG. 10 is a block diagram showing an example of the hardware configuration of the information processing apparatus 900 according to this embodiment. The information processing apparatus 900 is an example of the hardware configuration applied to the ATM 10 according to this embodiment.

[0092] The information processing apparatus 900 includes a CPU (Central Processing Unit) 901, a ROM (Read Only Memory) 902, a RAM (Random Access Memory) 903, a host bus 904, a bridge 905, an external bus 906, an interface 907, an input device 908, an output device 909, a storage device 910, a drive 911, and a communication device 913.

[0093] The CPU 901 functions as an arithmetic processing unit and a control unit, and controls the overall operations within the information processing device 900 according to various programs. Also, the CPU 901 may be a microprocessor. The ROM 902 stores programs, arithmetic parameters, etc. used by the CPU 901. The RAM 903 temporarily stores programs used in the execution of the CPU 901 and parameters that change as appropriate during the execution. These are interconnected by a host bus 904 composed of a CPU bus, etc. The control unit 150 of the ATM 10 is realized by the cooperation of the CPU 901, ROM 902, and RAM 903.

[0094] The host bus 904 is connected to an external bus 906 such as a PCI (Peripheral Component Interconnect / Interface) bus via a bridge 905. Note that it is not necessarily required to separately configure the host bus 904, bridge 905, and external bus 906, and these functions may be implemented on one bus.

[0095] The input device 908 is composed of input means such as a mouse, keyboard, touch panel, button, switch, or microphone for the operator to input information, and an input control circuit that generates an input signal based on the input by the operator and outputs it to the CPU 901. The operator who operates the information processing device 900 can input various data to the information processing device 900 or instruct processing operations by operating this input device 908.

[0096] The output device 909 includes, for example, display devices such as a CRT (Cathode Ray Tube) display device, liquid crystal display (LCD) device, OLED (Organic Light Emitting Diode) device, lamp, etc., and audio output devices such as a speaker.

[0097] The storage device 910 is a device for storing data. The storage device 910 may include a storage medium, a recording device for recording data on the storage medium, a reading device for reading data from the storage medium, a deleting device for deleting data recorded on the storage medium, and the like.

[0098] The drive 911 is a reader / writer for a storage medium and is externally attached to the information processing device 900. The drive 911 reads information recorded on a removable storage medium 912 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory that is mounted, and outputs it to the RAM 903. Also, the drive 911 can write information to the removable storage medium 912.

[0099] The communication device 913 is a communication interface composed of a communication device or the like for performing communication.

[0100] Note that the hardware configuration of the information processing device 900 is not limited to the configuration shown in FIG. 10. For example, when the information processing device 900 performs communication via an external communication device that is connected, it may not include the communication device 913. Also, the information processing device 900 may not include, for example, the input device 908 or the output device 909. Further, for example, part or all of the configuration shown in FIG. 10 may be realized by one or two or more ICs (Integrated Circuits).

[0101] <6. Supplementary Note> As described above, the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that those having ordinary knowledge in the technical field to which the present invention pertains can conceive of various modification examples or correction examples within the scope of the technical idea described in the claims, and it is naturally understood that these also belong to the technical scope of the present invention.

[0102] For example, in the above embodiment, the ATM 10 was described as an example of the information processing apparatus that executes the procedure for changing the usage limit amount, but the present invention is not limited to such an example. For example, the information processing apparatus may be a PC (Personal Computer) or a smartphone used by a customer. In this case, the procedure for changing the usage limit amount is executed by the function of Internet banking.

[0103] Also, in the above embodiment, an example in which the definition of the usage limit amount is displayed on the operation display unit 110 has been described, but the definition of the usage limit amount may be output from an audio output unit such as a speaker included in the ATM 10 by the control unit 150. The control unit 150 is an example of an output control unit.

[0104] In addition, one or more programs can also be created to cause hardware such as a CPU, ROM, and RAM built into a computer to exhibit functions equivalent to those of the ATM 10 described above.

Explanation of Reference Numerals

[0105] 10 ATM 110 Operation display unit 120 Communication unit 140 Storage unit 150 Control unit 151 Display control unit 20 Financial institution host 30 Network

Claims

1. A reception unit that receives an operator's input for an instruction to start a procedure for changing a usage limit amount indicating a limit of the total usage amount of financial transactions by a customer during a specified period; An output control unit that controls to output to the operator the types of the financial transactions used for the calculation of the total when the input of the start instruction is received by the reception unit; An information processing apparatus comprising the above.

2. The information processing apparatus according to claim 1, wherein the output control unit controls to output the types of the financial transactions to a screen for inputting the changed usage limit amount.

3. The information processing apparatus according to claim 1, wherein the output control unit controls to output a screen for displaying the types of the financial transactions immediately before transitioning to a screen for inputting the changed usage limit amount.

4. The reception unit receives a selection by the operator on whether to continue the procedure for changing the usage limit amount when a screen for displaying the types of the financial transactions is output to the operator based on the control of the output control unit. The information processing apparatus according to claim 3.

5. The information processing apparatus according to claim 1, wherein the output control unit controls to output the types of the financial transactions to a caution screen regarding the procedure for changing the usage limit amount, which is displayed when an input for an instruction to start the procedure for changing the usage limit amount is received by the reception unit.

6. The information processing apparatus according to claim 1, wherein the types of the financial transactions include transactions other than withdrawals.

7. The information processing apparatus according to claim 6, wherein the types of the financial transactions include withdrawals, transfers, and transfers.

8. The information processing apparatus according to claim 1, wherein the output control unit controls to display the types of the financial transactions in an emphasized manner.

9. The information processing apparatus according to claim 1, wherein the output control unit controls to display the types of the financial transactions on all screens displayed in the procedure for changing the usage limit amount.

10. The information processing apparatus further comprises an acquisition unit that acquires the usage amount of the customer's past financial transactions, and the output control unit controls to output a screen including the types of the financial transactions based on a comparison result between the usage amount acquired by the acquisition unit and the usage limit amount input by the operator. The information processing apparatus according to claim 1.

11. A reception unit that accepts an operator's input of an instruction to start a procedure for changing a usage limit amount indicating the limit of the total usage amount of financial transactions by a customer during a predetermined period; An output control unit that controls to output to the operator the types of the financial transactions used for calculating the total when the input of the start instruction is accepted by the reception unit; An information processing system comprising the above.

12. A computer, A reception unit that accepts an operator's input of an instruction to start a procedure for changing a usage limit amount indicating the limit of the total usage amount of financial transactions by a customer during a predetermined period; An output control unit that controls to output to the operator the types of the financial transactions used for calculating the total when the input of the start instruction is accepted by the reception unit; A program for causing the computer to function as such.

13. Accepting an operator's input of an instruction to start a procedure for changing a usage limit amount indicating the limit of the total usage amount of financial transactions by a customer during a predetermined period; Controlling to output to the operator the types of the financial transactions used for calculating the total when the input of the start instruction is accepted; An information processing method executed by a computer, including the above.

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