Program, information processing apparatus, and method

Abstract

To provide a program, an information processing apparatus and a method configured to reflect changed information in transaction statement data associated with a credit card company.SOLUTION: An accounting data registration process which is executed by an accounting system includes: Step S121 of acquiring transaction statement data indicating the status of use of a credit card, using identification data of the credit card; Step S122 of determining whether accounting data related to the acquired transaction statement data has been stored in a memory; Step of generating, when the acquired accounting data has not been stored in the memory as a result of the determination, accounting data from the acquired transaction statement data to be stored in the memory; Step S123 of comparing, when the accounting data has been stored in the memory as a result of the determination, the acquired transaction statement data with the accounting data stored in the memory to extract difference data; and Step S124 of updating the accounting data by reflecting the extracted difference data in the accounting data stored in the memory.SELECTED DRAWING: Figure 7

Description

[Technical Field]

[0001] The present disclosure relates to a program, an information processing device, and a method. [Background technology]

[0002] Credit cards are increasingly being used as a payment method other than cash when purchasing goods or receiving services in stores or online. As a result, the number of stores (both brick-and-mortar and online) that accept credit card payments is also increasing.

[0003] Regarding such credit card payments, users have a desire to be able to understand their own usage. To this end, Patent Document 1 discloses a technology for a financial institution usage management method that acquires bank account transaction data and credit card usage data and calculates the expected balance of a bank account for a predetermined period, so that users who use both cash cards and credit cards can manage their bank account and credit card usage in an integrated manner. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-121997 Summary of the Invention [Problem to be solved by the invention]

[0005] Meanwhile, for example, businesses such as corporations use technology such as that described in Patent Document 1 to obtain usage status of credit card payments and input the information as accounting data into their accounting systems. Such accounting data is used when a credit card is used for a payment, for example, when a payment for purchases or other items is made at a business such as a corporation, as the payment must be recorded in a ledger.

[0006] However, after a credit card payment is made, the payment may be canceled due to reasons such as a defective product. In such cases, the credit card company will cancel the payment and, if the payment has not yet been debited, will take steps to prevent the account from being debited. However, it was not easy for the user (business operator) to identify and cancel data that had once been imported as accounting data as described above.

[0007] Therefore, this disclosure describes a technology that allows an accounting system to reflect subsequent changes to transaction statement data linked from a credit card company in the transaction statement data that has already been acquired. [Means for solving the problem]

[0008] According to one embodiment of the present disclosure, there is provided a program for managing a user's use of a credit card, the program being executed by a computer having a processor and a memory, wherein the memory stores identification data for identifying a credit card used by the user and accounting data related to the user's use of the credit card, and the program causes the processor to execute the following steps: accessing a specified external system using the credit card identification data to obtain transaction detail data indicating the usage status of the credit card; determining whether the accounting data related to the obtained transaction detail data is stored in memory; if the result of the determination is that the accounting data related to the obtained transaction detail data is not stored in memory, generating accounting data from the obtained transaction detail data and storing it in memory; if the result of the determination is that the accounting data related to the obtained transaction detail data is stored in memory, comparing the obtained transaction detail data with the accounting data stored in memory to extract difference data; and updating the accounting data by reflecting the extracted difference data in the accounting data stored in memory. [Effects of the Invention]

[0009] According to the present disclosure, transaction detail data showing credit card usage is acquired, and if accounting data related to the transaction detail data is not stored in memory, accounting data is generated from the acquired transaction detail data and stored in memory. If accounting data is stored in memory, the acquired transaction detail data is compared with the accounting data stored in memory, and the differences are reflected in the accounting data. This makes it possible for the accounting system to reflect subsequent changes to the transaction detail data linked from the credit card company in the accounting data. This enables real-time and accurate management of accounting data related to credit card payments. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a block diagram showing the overall configuration of a transaction system 1 according to a first embodiment. [Figure 2] 2 is a functional block diagram showing the functional configuration of the terminal device 10 of FIG. 1. FIG. [Figure 3] FIG. 2 is a functional block diagram showing the functional configuration of the server 20 of FIG. [Figure 4] FIG. 4 is a diagram showing an example of the data structure of a user database 2021 in FIG. 3. [Figure 5] FIG. 4 is a diagram showing an example of the data structure of a transaction details database 2022 in FIG. 3. [Figure 6] FIG. 4 is a diagram illustrating an example of the data structure of an accounting database 2023 in FIG. 3. [Figure 7] 10 is a flowchart showing an example of the flow of accounting data update processing by the accounting system 1. [Figure 8] 10 is a flowchart showing an example of the flow of accounting data registration processing by the accounting system 1. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. The following description and drawings are examples for explaining the present invention, and appropriate omissions and simplifications have been made for clarity of explanation. The present invention can be implemented in various other forms. Unless otherwise specified, each component may be singular or plural. In the following description, the same components are denoted by the same reference numerals. Their names and functions are also the same. Therefore, detailed descriptions thereof will not be repeated.

[0012] The functions performed by the components described herein may be implemented in circuitry or processing circuitry, including general-purpose processors, application-specific processors, integrated circuits, ASICs (Application Specific Integrated Circuits), a CPU (a Central Processing Unit), conventional circuits, and / or combinations thereof, programmed to perform the described functions. A processor includes transistors and other circuits and is considered to be circuitry or processing circuitry. A processor may also be a programmed processor that executes programs stored in memory.

[0013] In this specification, a circuitry, unit, or means is hardware that is programmed to realize or performs the described functions, which may be any hardware disclosed herein or any hardware known to be programmed to realize or perform the described functions.

[0014] If the hardware is a processor considered to be a type of circuitry, the circuitry, means, or unit is a combination of the hardware and software used to configure the hardware and / or processor.

[0015] <Summary> The accounting system according to the present disclosure is described below. The accounting system according to the present disclosure is a system for providing accounting services to users, such as businesses and sole proprietors. Accounting performed by businesses and sole proprietors involves managing cash transactions (as accounting data), such as purchases, sales, and borrowings. The transactions are recorded in ledgers (journals and general ledgers), and a trial balance is prepared as a closing process at the designated accounting period, along with financial statements such as an income statement and a balance sheet. Tax return processing is also performed, which prepares tax returns for corporate tax, business office tax, consumption tax, etc. based on the results of the closing process. The accounting processing system according to the present disclosure is a computer system that accepts input of cash transactions, such as purchases and sales, records them in ledgers, registers them as accounting data, prepares trial balances and financial statements, and supports tax return processing. The accounting processing system according to the present disclosure is also provided as a web service, for example, via a cloud server, or through software as a service (SaaS).

[0016] The accounting system according to the present disclosure also acquires transaction detail data for credit card payments linked from credit card companies and generates and registers the above-mentioned accounting data. Through this process, the accounting system according to the present disclosure manages the use of credit cards by business users. Note that the credit cards managed by the accounting system according to the present disclosure may be corporate cards issued to corporations or cards issued to individuals.

[0017] For example, there are cases where a user (business operator) pays with a credit card when purchasing goods for business purposes, but then returns the goods due to defects or other reasons, resulting in the credit card payment being canceled. In this case, the credit card company (system) will cancel the payment, and if the payment has not yet been debited, it will process so that the account will not be debited, or if the payment has already been debited, it will process to refund the amount to the account.

[0018] However, in accounting systems that provide accounting processing services to businesses, even if payment cancellation data is linked from a credit card company, it is not easy to identify data that has been imported as accounting data and perform cancellation processing. For example, the transaction detail data linked from the credit card company does not necessarily include only returned products, and identifying accounting data to perform cancellation processing for some products requires manual identification work, which is time-consuming.

[0019] Therefore, the accounting system according to the present disclosure acquires transaction detail data showing credit card usage, and if the accounting data related to the transaction detail data is not registered (stored in memory), generates accounting data from the acquired transaction detail data and registers (stores) it. Also, if the accounting data is registered (stored in memory), the system compares the acquired transaction detail data with the registered (stored) accounting data and updates the accounting data to reflect any differences.

[0020] With the above configuration, the accounting system can reflect subsequent changes to the transaction statement data linked from the credit card company in the accounting data.

[0021] <First Embodiment> The following describes the accounting system 1. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

[0022] <1 Overall configuration of accounting system 1> The configuration of a transaction system 1 according to the first embodiment will be described with reference to FIGS.

[0023] FIG. 1 is a block diagram showing the overall configuration of a checkout system 1 according to a first embodiment. As shown in FIG. 1, the checkout system 1 includes multiple terminal devices (terminal device 10A and terminal device 10B are shown in FIG. 1; hereinafter, these may be collectively referred to as "terminal device 10"), a server 20, and an external server (external system) 30. The terminal devices 10, the server 20, and the external server 30 are connected to each other via a network 80 so that they can communicate with each other. The network 80 is configured as a wired or wireless network. In this embodiment, the server 20 is a web server (including a cloud server) and exchanges information with the terminal device 10 via web pages. A web page browser for viewing web pages is installed on the terminal device 10, but a dedicated application for providing the services of the server 20 may also be installed, allowing viewing via the dedicated application. The external server 30 exchanges information with the server 20.

[0024] The terminal device 10 is a device operated by each user. Here, a user is a person who uses the terminal device 10 to register data on transactions such as the procurement and purchase of goods, which are functions of the accounting system 1, and to perform accounting processing for the entire transaction, such as a person in charge of a business enterprise or a sole proprietor. The terminal device 10 is realized by a desktop personal computer (PC), a laptop PC, or the like. Alternatively, the terminal device 10 may be a mobile terminal such as a tablet compatible with a mobile communication system or a smartphone.

[0025] The terminal device 10 is communicatively connected to the server 20 via a network 80. The terminal device 10 is connected to the network 80 by communicating with communication devices such as a wireless base station 81 conforming to communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN router 82 conforming to a wireless LAN (Local Area Network) standard such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. As shown as a terminal device 10B in FIG. 1 , the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

[0026] The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with external devices. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving input operations from a user. The output device 14 is an output device (e.g., a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, such as a flash memory or an HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

[0027] Server 20 is a device that stores and manages identification data identifying credit cards used by users who are business operators, and accounting data related to the user's use of the credit card. Server 20 uses the credit card identification data to access external server 30, acquire transaction detail data, and determine whether accounting data related to the transaction detail data has been registered (stored). If accounting data related to the transaction detail data has not been registered, server 20 generates and registers accounting data from the acquired transaction detail data. Furthermore, if accounting data related to the transaction detail data has been registered, server 20 compares the acquired transaction detail data with the registered accounting data, extracts differential data, and reflects this in the accounting data to update the accounting data.

[0028] The server 20 is a computer connected to a network 80. The server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29.

[0029] The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with external devices. The input / output IF 23 functions as an interface with an input device for receiving input operations from a user and an output device for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM. The storage 26 is a storage device for saving data, such as a flash memory or HDD. The processor 29 is hardware for executing an instruction set written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

[0030] External server 30 is a server device used by credit card companies managed by accounting system 1 to provide various services related to the user's credit card. When external server 30 receives access using credit card identification data, it performs a predetermined authentication. If external server 30 determines that the access is legitimate based on the predetermined authentication, it provides transaction statement data showing the usage status of the credit card related to the user. External server 30 is a computer connected to network 80.

[0031] <1.1 Configuration of the terminal device 10> FIG. 2 is a functional block diagram showing the functional configuration of the terminal device 10 of FIG. 1. As shown in FIG. 2, the terminal device 10 includes multiple antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to the respective antennas, an operation reception unit 130 (including a keyboard 131 and a mouse 132), an audio processing unit 140, a microphone 141, a speaker 142, a display 150, a storage unit 160, and a control unit 170. The terminal device 10 also has functions and configurations not specifically shown in FIG. 2 (e.g., a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.). As shown in FIG. 2, the blocks included in the terminal device 10 are electrically connected by a bus or the like. The terminal device 10 shown in FIG. 2 will be described as a mobile terminal such as a tablet or smartphone compatible with a mobile communication system, but may also be a stationary personal computer (PC) or a laptop PC.

[0032] The antenna 111 emits a signal emitted by the terminal device 10 as a radio wave. The antenna 111 also receives a radio wave from space and provides the received signal to the first radio communication unit 121.

[0033] The antenna 112 emits a signal emitted by the terminal device 10 as a radio wave. The antenna 112 also receives a radio wave from space and provides the received signal to the second radio communication unit 122.

[0034] The first wireless communication unit 121 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, an RSSI (Received Signal Strength Indicator) calculation circuit, a CRC (Cyclic Redundancy Check) calculation circuit, a high-frequency circuit, etc. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation / demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 170.

[0035] The operation reception unit 130 has a mechanism for receiving input operations from the user. Specifically, the operation reception unit 130 includes a keyboard 131 and a mouse 132. Note that the operation reception unit 130 may be configured as a touch screen that detects the position of the user's contact on the touch panel, for example, by using a capacitive touch panel.

[0036] The keyboard 131 accepts input operations by the user of the terminal device 10. The keyboard 131 is a device for inputting characters, and outputs input character information to the control unit 170 as an input signal.

[0037] The mouse 132 accepts input operations by the user of the terminal device 10. The mouse 132 is a pointing device for selecting an object displayed on the display 150, and outputs position information of the selected object on the screen and information indicating that a button has been pressed as input signals to the control unit 170.

[0038] The audio processing unit 140 modulates and demodulates audio signals. The audio processing unit 140 modulates a signal provided from the microphone 141 and provides the modulated signal to the control unit 170. The audio processing unit 140 also provides the audio signal to the speaker 142. The audio processing unit 140 is realized, for example, by a processor for audio processing. The microphone 141 accepts audio input and provides an audio signal corresponding to the audio input to the audio processing unit 140. The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10.

[0039] Display 150 displays data such as images, videos, and text under the control of control unit 170. Display 150 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

[0040] Storage unit 160 is configured with memory 15, such as a flash memory, and storage unit 16, and stores data and programs used by terminal device 10. In one aspect, storage unit 160 stores user information 161.

[0041] The user information 161 is information about a user who uses the terminal device 10 to register data about transactions such as the procurement and purchase of goods, which are functions of the accounting system 1, and to perform accounting for the entire transaction. The user information includes information that identifies the user (user ID), employee names, etc.

[0042] The control unit 170 is configured by, for example, the processor 19, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 160 and executing instructions included in the program. The control unit 170 performs the functions of an input operation reception unit 171, a transmission / reception unit 172, a notification control unit 173, and a data processing unit 174 by operating in accordance with a program (not shown) that is an application that is stored in advance in the storage unit 160 of the terminal device 10 and installed, for example.

[0043] The input operation receiving unit 171 performs processing to receive input operations by the user via an input device such as the keyboard 131 .

[0044] The transmitting / receiving unit 172 performs processing for the terminal device 10 to transmit and receive data to and from external devices such as the server 20 in accordance with a communication protocol.

[0045] The notification control unit 173 performs processing to present information to the user. The notification control unit 173 performs processing to display a display image on the display 150, processing to output sound from the speaker 142, and the like.

[0046] The data processing unit 174 performs calculations on data that the terminal device 10 has received as input in accordance with a program, and outputs the calculation results to a memory or the like.

[0047] <1.2 Functional configuration of server 20> Fig. 3 is a functional block diagram showing the functional configuration of the server 20 of Fig. 1. As shown in Fig. 3, the server 20 functions as a communication unit 201, a storage unit 202, and a control unit 203.

[0048] The communication unit 201 performs processing for the server 20 to communicate with external devices.

[0049] The storage unit 202 is composed of, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The storage unit 202 stores a user database 2021, a transaction details database 2022, an accounting database 2023, and the like.

[0050] The user database 2021 is a database for storing various data related to users who are business operators such as companies and sole proprietors and who are subject to management by the accounting system 1, and credit card-related data, including identification data for identifying the credit cards used by the users. Details will be described later.

[0051] The transaction details database 2022 is a database for storing various data related to transactions in which users have made payments using credit cards, which are subject to management by the accounting system 1. Details will be described later.

[0052] The accounting database 2023 is a database for holding accounting data indicating user-related deposits and withdrawals such as purchases, sales, and loans, including accounting data related to credit card use by users, which is subject to management by the accounting system 1. Details will be described later.

[0053] The control unit 203 performs the functions shown in various modules, such as a receiving control module 2031, a sending control module 2032, a transaction detail data acquisition module 2033, a transaction detail data judgment module 2034, an accounting data generation module 2035, a differential data extraction module 2036, a user notification module 2037, and an accounting data update module 2038, by having the processor 29 of the server 20 perform processing according to the program.

[0054] The reception control module 2031 controls the process by which the server 20 receives signals from external devices in accordance with a communication protocol.

[0055] The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices in accordance with a communication protocol.

[0056] The transaction statement data acquisition module 2033 controls the process of accessing the external server 30 (a specified external system) using credit card identification data stored in the user database 2021 and acquiring transaction statement data indicating credit card usage. The credit card identification data used by the transaction statement data acquisition module 2033 is, for example, the card number of the credit card used by the user, and may also include data such as the expiration date, cardholder name, and security code. Because a unique number is assigned to each credit card, the user's credit card can be identified by the credit card number. However, because data such as the expiration date, cardholder name, and security code may be required for authentication to the external server 30, the transaction statement data acquisition module 2033 acquires transaction statement data using this data. For this reason, the accounting system 1 accepts in advance registration by users of the above-mentioned various data related to the credit cards used by the users and stores this data in the user database 2021.

[0057] The transaction statement data acquisition module 2033 may acquire transaction statement data by automatically synchronizing with an external server 30 provided by a credit card company through API linkage, for example.

[0058] The transaction statement data acquired by the transaction statement data acquisition module 2033 is various data related to transactions where a user has made a payment using a credit card. Specifically, the transaction statement data includes the transaction (payment) date, the store or store used (including online shops), the name of the purchased item or service used, and the amount. Here, stores or stores where a credit card is used include online shops and the like that are deployed on EC (Electronic Commerce) platforms that provide platforms for online shops and the like.

[0059] The transaction detail data acquisition module 2033 stores the acquired transaction detail data in, for example, the transaction detail database 2022.

[0060] Transaction statement data determination module 2034 controls the process of determining whether the accounting data related to the transaction statement data acquired by transaction statement data acquisition module 2033 has already been registered and stored in storage unit 202 (memory 25). Transaction statement data determination module 2034 references the accounting data related to credit card usage stored in accounting database 2023, and determines whether the accounting data related to the acquired transaction statement data has already been registered.

[0061] The accounting database 2023 stores accounting data from transaction detail data about a user's credit card usage, generated by the accounting data generation module 2035 (described below). Therefore, the transaction detail data determination module 2034 determines whether the accounting data related to the acquired transaction detail data is registered in duplicate.

[0062] The transaction detail data determination module 2034 compares, for example, the transaction date, the store used, the name of the purchased item or service used, and the amount data contained in the transaction detail data with the date, debit / credit, summary, and amount data contained in the accounting data (described below) to determine whether accounting data corresponding to the transaction detail data exists. In this case, the transaction detail data determination module 2034 determines whether accounting data corresponding to the transaction detail data exists based on, for example, a match between the transaction date in the transaction detail data and the date in the accounting data, a match between the store, etc. and purchased item, etc. in the transaction detail data and the debit / credit and summary details in the accounting data, or a match between the amount in the transaction detail data and the amount in the accounting data. For example, because the above items may not match completely due to factors such as a change in the processing date or a change in the amount due to processing fees, the transaction detail data determination module 2034 may determine whether accounting data exists based on a match between some of the items.

[0063] The transaction detail data determination module 2034 may determine whether or not accounting data corresponding to the transaction detail data exists using a machine learning model that learns the transaction detail data and the corresponding accounting data, determines whether or not the accounting data corresponds to the transaction detail data, and outputs the result. This machine learning model may be, for example, a learning model based on supervised machine learning using predetermined training data, or a learning model based on unsupervised machine learning, and may include a learning model using a deep neural network (DNN), which is a multi-layer neural network that is the subject of deep learning.

[0064] If the transaction detail data determination module 2034 determines that the accounting data related to the acquired transaction detail data is not stored in the storage unit 202 (memory 25), the accounting data generation module 2035 controls the process of generating and storing accounting data from the acquired transaction detail data. The accounting data generated by the accounting data generation module 2035 indicates deposits and withdrawals such as purchases, sales, and loans related to the user, and specifically includes data on date, debit / credit, summary, and amount. In this case, the accounting data generation module 2035 generates data on date, debit / credit, summary, and amount as accounting data from, for example, data included in the transaction detail data, such as the transaction date, the store used, the name of the purchased item or service used, and the amount.

[0065] The process by which the accounting data generation module 2035 generates accounting data is performed, for example, as follows, but is not limited to the following process. The transaction date included in the transaction detail data is the date included in the accounting data. · Based on data such as stores used and items purchased contained in the transaction details data, the system determines whether a transaction is a deposit or withdrawal and determines the debit / credit amounts included in the accounting data. · The contents of the summary are determined from the data on the store used, purchased items, etc. included in the transaction details data, and stored in the application included in the accounting data. The amount included in the transaction details data is the amount included in the accounting data.

[0066] When generating accounting data, the accounting data generation module 2035 may generate the accounting data using the output results of the above-mentioned machine learning model.

[0067] The accounting data generation module 2035 stores the generated accounting data in, for example, the accounting database 2023.

[0068] If the determination result of transaction detail data determination module 2034 indicates that accounting data related to the acquired transaction detail data is stored in storage unit 202 (memory 25), differential data extraction module 2036 controls the process of comparing the acquired transaction detail data with the stored accounting data and extracting differential data. Differential data extraction module 2036 compares, for example, data contained in the transaction detail data, such as the transaction date, store used, name of purchased item or service used, and amount, with data contained in the accounting data, such as date, debit / credit, summary, and amount, and extracts differential data regarding differences.

[0069] The differential data extraction module 2036 extracts differential data, for example, as follows, but is not limited to the following processing. If the transaction date included in the transaction detail data does not match the date included in the accounting data, the transaction date included in the transaction detail data is extracted as differential data. If the data included in the transaction details data, such as the store used or the items purchased, does not match the debit / credit deposits and withdrawals included in the accounting data, the data included in the transaction details data will be extracted as differential data. If there is a discrepancy between the data on stores used, items purchased, etc. included in the transaction details data and the application details included in the accounting data, the data included in the transaction details data will be extracted as differential data. · If the amount included in the transaction detail data does not match the amount included in the accounting data, the amount included in the transaction detail data is extracted as differential data.

[0070] For example, if the acquired transaction statement data is cancellation data for a payment made using a credit card by a user, the differential data extraction module 2036 may extract the cancellation data as differential data. Cancellation data for a payment made using a credit card is due to reasons such as misuse of the credit card payment (including misuse by the user or by another user), cancellation due to circumstances at the store used (such as out-of-stock), or cancellation of authorization by the credit card company, and is, for example, data with the amount data with the positive and negative signs of the original amount reversed (negative data for the amount used).

[0071] For example, if the payment method (credit card payment) according to the acquired transaction detail data differs from the payment method according to the application description included in the accounting data, the differential data extraction module 2036 may extract the payment method (credit card payment) according to the transaction detail data as differential data.

[0072] The user notification module 2037 controls the process of transmitting the differential data extracted by the differential data extraction module 2036 to the terminal device 10 used by the user and notifying the user. The user notification module 2037 transmits the differential data to the terminal device 10 used by the user, and notifies the user by, for example, displaying the differential data on the display 150.

[0073] The accounting data update module 2038 controls the process of updating the accounting data stored in the storage unit 202 (memory 25) by reflecting the differential data extracted by the differential data extraction module 2036. The accounting data update module 2038 updates the accounting data by reflecting, for example, the transaction date, the store used, the name of the purchased item or service used, and amount data contained in the differential data into the date, debit / credit, summary, and amount data contained in the accounting data.

[0074] The accounting data update module 2038 updates the accounting data, for example, as follows, but is not limited to the following process. -Update the transaction date included in the differential data as the date included in the accounting data. · Based on the data contained in the differential data, such as stores used and items purchased, the system determines whether the transaction has occurred and determines the debit / credit balances contained in the accounting data and updates them. · The content of the summary is determined from the data on the stores used, items purchased, etc. contained in the differential data, and updated as the application contained in the accounting data. -Update the amounts included in the differential data as the amounts included in the accounting data.

[0075] For example, if the differential data is cancellation data for a payment made by a user using a credit card, the accounting data update module 2038 may perform processing to cancel the accounting data. For example, if the differential data is the above-mentioned cancellation data, the accounting data update module 2038 may perform the cancellation processing by deleting the corresponding accounting data, or by registering a journal entry that cancels the corresponding accounting data, a so-called reversal journal entry. Note that if cancellation processing corresponding to the differential data has already been performed, the accounting data update module 2038 may perform control so as not to perform the cancellation processing.

[0076] For example, if the difference data is a difference in payment method (credit card payment), the accounting data update module 2038 may change the payment method (change to credit card payment) according to the application details included in the accounting data.

[0077] Furthermore, after the user notification module 2037 notifies the user, the accounting data update module 2038 may update the accounting data by reflecting the difference data in the accounting data in response to an instruction from the user.

[0078] The accounting data update module 2038 stores the updated accounting data in, for example, the accounting database 2023.

[0079] <2 Data Structure> The data structure used in the accounting system 1 according to the first embodiment will be described with reference to FIGS.

[0080] Fig. 4 is a diagram showing an example of the data structure of the user database 2021 in Fig. 3. Fig. 5 is a diagram showing an example of the data structure of the transaction details database 2022 in Fig. 3. Fig. 6 is a diagram showing an example of the data structure of the accounting database 2023 in Fig. 3.

[0081] As shown in FIG. 4, each record in the user database 2021 includes an item "user ID," an item "user business name," an item "corporation / individual," an item "credit card information," and the like.

[0082] The item "user ID" is information that identifies each user who registers data on transactions, such as the procurement and purchase of goods, managed by the accounting system 1.

[0083] The item "User business name" is information indicating the name or appellation of the user managed by the accounting system 1, and stores, for example, the name of a corporation or the name of a sole proprietor.

[0084] The item "Corporate / Individual" is information that indicates whether the user managed by accounting system 1 is a corporation or an individual (business owner).For example, if the business owner is a corporation, "Corporate" information is stored, and if the business owner is a sole proprietor, "Individual" information is stored.

[0085] The "Credit card information" item is various data related to credit cards, including identification data that identifies the credit card used by the user, managed by accounting system 1. Specifically, it includes the items "card number," "card holder name," and "expiration date." This "credit card information" item is, for example, information that the user previously registered when using accounting system 1.

[0086] The item "Card number" is the card number of the credit card used by the user, which is managed by the accounting system 1, and is identification data assigned by the credit card company to identify the credit card.

[0087] The item "cardholder name" is the name or title of the cardholder of the credit card used by the user, which is managed by the accounting system 1, and is data registered with the credit card company.

[0088] The "Expiration Date" field is the expiration date of the credit card used by the user, which is managed by the accounting system 1, and is data set by the credit card company when the credit card is issued.

[0089] The server 20 adds a record to the user database 2021 when the accounting system 1 accepts registration of a credit card used by a user.

[0090] As shown in FIG. 5, each record in the transaction statement database 2022 includes an item "user ID," an item "user business name," an item "transaction statement information," and the like.

[0091] The item “user ID” is information for identifying each user who registers data on transactions such as the procurement and purchase of goods, and corresponds to the item “user ID” in the user database 2021.

[0092] The item “user business name” is information indicating the name or title of a user managed by the accounting system 1, and corresponds to the item “user business name” in the user database 2021.

[0093] The item "Transaction details information" is various data managed by accounting system 1 regarding transactions in which a user has made a payment using a credit card, and specifically includes the items "Transaction date," "Store name used," "Item," and "Amount."

[0094] The item "transaction date" is the transaction date when the user made a payment using a credit card.

[0095] The item "Name of store used" is the name of the store (including online shops) used for the transaction where the user made payment using a credit card.

[0096] The item "item" is the name of the purchased item for a transaction in which the user paid using a credit card.

[0097] The item "amount" is the amount used for a transaction in which the user paid using a credit card.

[0098] Upon acquiring the transaction statement data, the transaction statement data acquisition module 2033 of the server 20 adds a record to the "transaction statement information" item in the transaction statement database 2022.

[0099] As shown in FIG. 6, each record in the accounting database 2023 includes an item "user ID," an item "user name," an item "detailed journal data information," and the like.

[0100] The item “user ID” is information for identifying each user who registers data on transactions such as the procurement and purchase of goods, and corresponds to the item “user ID” in the user database 2021.

[0101] The item “user business name” is information indicating the name or title of a user managed by the accounting system 1, and corresponds to the item “user business name” in the user database 2021.

[0102] The item "Detailed journal data information" is journal data that records transactions of deposits and withdrawals such as purchases and sales managed by the accounting system 1, and specifically includes the items "Date," "Debit / Credit," "Summary," and "Amount." This "Detailed journal data information" is information that is journalized based on information registered by a user who is a business operator about daily transactions and registered as accounting information, and is configured so that the latest information is added as a record in chronological order, for example, in the order of the "Date" item.

[0103] The item "Date" is information on the date on which a transaction managed by the accounting system 1 occurred.

[0104] The item "Debit / Credit" is information that indicates whether the journal entry data is a debit or a credit. For example, if it is a debit, "Debit" information is stored, and if it is a credit, "Credit" information is stored. Debits and credits are items to be recorded in double-entry bookkeeping, which is currently commonly used for recording in ledgers.

[0105] The "Summary" item is information that indicates the account title of the journal entry data. The account title is information that indicates the details of the expense items used in entering daily transactions, and for example, as shown in Figure 6, details such as "Purchases" and "Accounts Payable" are stored.

[0106] The item "Amount" is information indicating the amount of the journal entry data that has been journalized. The item "Amount" stores the amounts of "Purchases," "Accounts Payable," and other examples of account items indicated by the item "Summary."

[0107] As accounting data is generated, the accounting data generation module 2035 of the server 20 adds a record to the "detailed journal data information" item in the accounting database 2023. Additionally, as accounting data is generated, the accounting data update module 2038 updates the corresponding record in the "detailed journal data information" item in the accounting database 2023.

[0108] <3 operations> The application posting data reception process and approval posting data reception process performed by the accounting system 1 according to the first embodiment will be described below with reference to FIGS.

[0109] FIG. 7 is a flowchart showing an example of the process for updating accounting data performed by the accounting system 1.

[0110] In step S121, transaction statement data acquisition module 2033 of server 20 accesses external server 30 (a predetermined external system) using the credit card identification data stored in user database 2021, and acquires transaction statement data showing the credit card usage. In step S121, automatic synchronization is performed through API collaboration with external server 30 provided by the credit card company, for example, to acquire the transaction statement data.

[0111] In step S122, the transaction detail data determination module 2034 of the server 20 determines whether the accounting data associated with the transaction detail data acquired in step S121 has already been registered and stored in the storage unit 202 (memory 25). In step S122, the transaction detail data determination module 2034 references the accounting data associated with credit card usage stored in the accounting database 2023 to determine whether the accounting data associated with the acquired transaction detail data has already been registered. In step S122, the transaction detail data, such as the transaction date, the store used, the name of the item purchased or service used, and the amount data, are compared with the date, debit / credit, summary, and amount data (described below) included in the accounting data to determine whether accounting data corresponding to the transaction detail data exists.

[0112] In step S123, if the determination result in step S122 is that accounting data related to the acquired transaction statement data is stored in storage unit 202 (memory 25), differential data extraction module 2036 of server 20 compares the acquired transaction statement data with the stored accounting data to extract differential data. In step S123, for example, data contained in the transaction statement data, such as the transaction date, store used, name of purchased item or service used, and amount, is compared with data contained in the accounting data, such as date, debit / credit, summary, and amount, and differential data on differences is extracted.

[0113] In step S124, the accounting data update module 2038 of the server 20 updates the accounting data stored in the storage unit 202 (memory 25) by reflecting the differential data extracted in step S123. In step S124, for example, data contained in the differential data, such as the transaction date, store used, name of purchased item or service used, and amount, is reflected in the date, debit / credit, summary, and amount data contained in the accounting data, updating the accounting database 2023.

[0114] As described above, accounting system 1 acquires transaction detail data showing credit card usage and determines whether the accounting data associated with the transaction detail data has already been registered. If the determination result indicates that the data has already been registered, the acquired transaction detail data is compared with the stored accounting data to extract differential data, and the differential data is reflected in the accounting data to update the accounting data.

[0115] Figure 8 is a flowchart showing an example of the flow of accounting data registration processing by the accounting system 1. Note that the processing of steps S121 and S122 shown in Figure 8 is similar to the processing of steps S121 and S122 shown in Figure 7, and therefore a description thereof will be omitted.

[0116] In step S223, if the determination result in step S122 is that the accounting data related to the acquired transaction statement data is not stored in the storage unit 202 (memory 25), the accounting data generation module 2035 of the server 20 generates accounting data from the acquired transaction statement data. In step S223, accounting data such as date, debit / credit, summary, and amount is generated from data included in the transaction statement data, such as the transaction date, store used, name of purchased item or service used, and amount.

[0117] In step S224, the accounting data generation module 2035 of the server 20 stores the accounting data generated in step S223 in the accounting database 2023.

[0118] As described above, accounting system 1 acquires transaction detail data showing credit card usage and determines whether the accounting data associated with that transaction detail data has already been registered. If the determination result is that the data has not been registered, accounting data is generated from the acquired transaction detail data and stored.

[0119] <Summary> As described above, this embodiment acquires transaction detail data showing credit card usage and determines whether the accounting data associated with the transaction detail data has already been registered. If the determination indicates that the transaction detail data has already been registered, the acquired transaction detail data is compared with the stored accounting data to extract differential data, which is then reflected in the accounting data to update the accounting data. This allows the accounting system to reflect subsequent changes to the transaction detail data linked from the credit card company. This enables real-time and accurate management of accounting data related to credit card payments.

[0120] Furthermore, according to this embodiment, if the difference data from the acquired transaction statement data is cancellation data for a user's credit card payment, the system performs a cancellation process on the accounting data. This makes it possible to perform cancellation processing on the accounting data for the transaction statement data linked from the credit card company.

[0121] Although the embodiments of the disclosure have been described above, they can be implemented in various other forms and can be implemented with various omissions, substitutions, and modifications. These embodiments, modifications, and omissions, substitutions, and modifications are included in the technical scope of the claims and their equivalents.

[0122] <Additional Notes> The matters explained in the above embodiments will be supplemented below.

[0123] (Supplementary Note 1) A program for managing a user's use of a credit card, when executed by a computer having a processor 29 and a memory 25, wherein the memory 25 stores identification data (2021) for identifying a credit card used by the user and accounting data (2023) related to the user's use of the credit card, and the program causes the processor 29 to execute the following steps: accessing a predetermined external system using the credit card identification data to obtain transaction detail data showing the usage of the credit card (S121); determining whether the accounting data related to the obtained transaction detail data is stored in memory (S122); and, if the determination result shows that the accounting data related to the obtained transaction detail data is not stored in memory, generating accounting data from the obtained transaction detail data and storing it in memory (S223, S224); and, if the determination result shows that the accounting data related to the obtained transaction detail data is stored in memory, comparing the obtained transaction detail data with the accounting data stored in memory to extract difference data (S123); and updating the accounting data by reflecting the extracted difference data in the accounting data stored in memory (S124).

[0124] (Appendix 2) A program described in (Appendix 1) that executes, in the step of extracting differential data, a step of extracting cancellation data that cancels the use of the credit card related to the acquired transaction detail data, and in the step of updating accounting data, a step of canceling the accounting data.

[0125] (Appendix 3) The program according to (Appendix 2), wherein in the step of updating the accounting data, if the accounting data has already been cancelled, the accounting data is not cancelled.

[0126] (Appendix 4) A program described in (Appendix 1), in which, in the step of updating accounting data, if the extracted difference data is a difference between the payment method of the acquired transaction detail data and the payment method of the accounting data stored in memory, the program changes the payment method of the accounting data and also changes other items of the accounting data.

[0127] (Appendix 5) A program described in (Appendix 1), in which, in the step of updating accounting data, if the extracted difference data is the difference between the amount of the acquired transaction detail data and the amount of the accounting data stored in memory, the amount of the accounting data is changed and other items of the accounting data are changed.

[0128] (Appendix 6) A program described in any one of (Appendix 1) to (Appendix 5), further comprising the step of transmitting the extracted differential data to a terminal device used by the user and notifying the user.

[0129] (Appendix 7) A program described in (Appendix 6), which, in the step of updating accounting data, updates the accounting data when a user inputs an instruction to reflect the extracted differential data in the accounting data.

[0130] (Supplementary Note 8) An information processing device that includes a control unit 203 and a memory 25 (storage unit 202) and manages the use of a credit card by a user, wherein the memory 25 stores identification data (2021) that identifies the credit card used by the user and accounting data (2023) related to the use of the credit card by the user, and the program causes the processor 29 to access a predetermined external system using the credit card identification data and acquire transaction detail data showing the usage status of the credit card (S121), and to determine whether the accounting data related to the acquired transaction detail data is stored in the memory. an information processing device that executes the steps of: determining (S122) whether accounting data related to the acquired transaction detail data is stored in memory; and, if the result of the determination is that accounting data related to the acquired transaction detail data is not stored in memory, generating accounting data from the acquired transaction detail data and storing it in memory (S223, S224); and, if the result of the determination is that accounting data related to the acquired transaction detail data is stored in memory, comparing the acquired transaction detail data with the accounting data stored in memory and extracting difference data (S123); and updating the accounting data by reflecting the extracted difference data in the accounting data stored in memory (S124).

[0131] (Appendix 9) A method for managing credit card usage by a user, executed by a computer having a processor 29 and a memory 25, wherein the memory 25 stores identification data (2021) for identifying a credit card used by the user and accounting data (2023) related to the user's use of the credit card, and the program causes the processor 29 to execute the following steps: accessing a predetermined external system using the credit card identification data to obtain transaction detail data indicating credit card usage (S121); determining whether the accounting data related to the obtained transaction detail data is stored in memory (S122); and, if the determination result is that the accounting data related to the obtained transaction detail data is not stored in memory, generating accounting data from the obtained transaction detail data and storing it in memory (S223, S224); and, if the determination result is that the accounting data related to the obtained transaction detail data is stored in memory, comparing the obtained transaction detail data with the accounting data stored in memory to extract difference data (S123); and updating the accounting data by reflecting the extracted difference data in the accounting data stored in memory (S124). [Explanation of symbols]

[0132] 1: Accounting system 10: Terminal device 10A: Terminal equipment 10B: Terminal device 13: Input device 14: Output device 15: Memory 16: Storage section 19: Processor 20: Server 25: Memory 26: Storage 29: Processor 30: External server 80: Network 81: Wireless base station 82: Wireless LAN router 111: Antenna 112: Antenna 121: First wireless communication unit 122: Second wireless communication unit 130: Operation reception unit 131: Keyboard 132: Mouse 140: Audio processing unit 141:Mike 142: Speaker 150: Display 160: Storage section 161: User information 170: Control unit 171: Input operation reception unit 172: Transmitter / receiver 173: Notification control section 174: Data processing section 201: Communications Department 202: Storage section 203: Control unit 2021: User Database 2022: Transaction details database 2023: Accounting Database 2031: Reception control module 2032: Transmission control module 2033: Transaction details data acquisition module 2034: Transaction statement data determination module 2035: Accounting data generation module 2036: Differential data extraction module 2037: User Notification Module 2038: Accounting data update module

Claims

1. A program for managing credit card usage by a user, the program being executed by a computer having a processor and a memory, the program comprising: The memory stores identification data for identifying a credit card used by the user and accounting data related to the use of the credit card by the user; The program causes the processor to: accessing a predetermined external system using the credit card identification data to obtain transaction detail data indicating the usage of the credit card; determining whether accounting data related to the acquired transaction detail data is stored in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is not stored in the memory, generating accounting data from the acquired transaction detail data and storing the data in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is stored in the memory, comparing the acquired transaction detail data with the accounting data stored in the memory to extract differential data; and updating the accounting data stored in the memory by reflecting the extracted differential data.

2. a step of extracting cancellation data for canceling the use of the credit card related to the acquired transaction detail data in the step of extracting the difference data; 2. The program according to claim 1, further comprising a step of canceling the accounting data in the step of updating the accounting data.

3. 3. The program according to claim 2, wherein in the step of updating the accounting data, if the accounting data has already been cancelled, the accounting data is not cancelled.

4. 2. The program according to claim 1, wherein, in the step of updating the accounting data, if the extracted difference data is a difference between the payment method in the acquired transaction detail data and the payment method in the accounting data stored in the memory, the payment method in the accounting data is changed and other items in the accounting data are changed.

5. 2. The program according to claim 1, wherein, in the step of updating the accounting data, if the extracted difference data is the difference between the amount of the acquired transaction detail data and the amount of the accounting data stored in the memory, the amount of the accounting data is changed and other items of the accounting data are changed.

6. The program further comprises:

6. The program according to claim 1, further comprising the step of transmitting the extracted difference data to a terminal device used by the user and notifying the user of the difference data.

7. 7. The program according to claim 6, wherein in the step of updating the accounting data, the accounting data is updated when an input of an instruction to reflect the extracted differential data in the accounting data is accepted by operation from the user.

8. An information processing device that includes a control unit and a memory and manages the use of a credit card by a user, The memory stores identification data for identifying a credit card used by the user and accounting data related to the use of the credit card by the user; The control unit accessing a predetermined external system using the credit card identification data to obtain transaction detail data indicating the usage of the credit card; determining whether accounting data related to the acquired transaction detail data is stored in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is not stored in the memory, generating accounting data from the acquired transaction detail data and storing the data in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is stored in the memory, comparing the acquired transaction detail data with the accounting data stored in the memory to extract differential data; and updating the accounting data stored in the memory by reflecting the extracted differential data.

9. 1. A method for managing credit card usage by a user, the method being executed by a computer having a processor and a memory, the method comprising: The memory stores identification data for identifying a credit card used by the user and accounting data related to the use of the credit card by the user; The method further comprises the processor: accessing a predetermined external system using the credit card identification data to obtain transaction detail data indicating the usage of the credit card; determining whether accounting data related to the acquired transaction detail data is stored in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is not stored in the memory, generating accounting data from the acquired transaction detail data and storing the data in the memory; If the result of the determination is that accounting data related to the acquired transaction detail data is stored in the memory, comparing the acquired transaction detail data with the accounting data stored in the memory to extract differential data; and updating the accounting data stored in the memory by reflecting the extracted difference data in the accounting data.

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