Information processing device, information processing method, and program

Abstract

To improve a user's user experience by providing a solution to the user's needs from information acquired by a financial institution.SOLUTION: An information processing device managed by a financial institution comprises a communication section for communicating with an external network, a storage section, and a control section. The information processing device receives a user request from a user terminal via the communication section, the user request includes a user request, account information, and position information, and generation of an analysis result corresponding to the user request by analyzing information acquired via the communication section and / or information stored in the storage section, and the analysis executes execution on the basis of account information and / or position information, and transmission of a generated analysis result of a user terminal via the communication section.SELECTED DRAWING: Figure 11

Description

[Technical Field]

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

[0002] In the digital age, the role of the traditional wallet is increasingly being taken over by smartphones. A wallet is a general-purpose application that is installed on a smartphone and performs the functions of a wallet. A wallet can store credit card information, cash card information, and other information. By storing this information in a wallet, it becomes possible to make payments using a smartphone, and this type of payment transaction has been gaining popularity in recent years.

[0003] Financial institutions provide a variety of services to their users. For example, they use automated teller machines (ATMs) to provide services such as deposits, withdrawals, transfers, money transfers, and balance inquiries. Financial institutions offer various preferential fee services in consideration of the user's transaction status, and also suspend the user's transactions in the event of any accidents. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] Seven Bank, Ltd., "Smartphone ATM (Seven Bank Account)," [online], March 27, 2017, [accessed January 30, 2024], Internet: https: / / www.sevenbank.co.jp / personal / useful / app / spatm / Summary of the Invention [Problem to be solved by the invention]

[0005] While cashless transactions are becoming more common with smartphone payments, there are still situations where cash must be used, and ATMs continue to be used. When users make transactions at an ATM, they have to find and take out their cash card from their wallet, or they have to carry their passbook to the ATM, which is a hassle for many users.

[0006] As the use of smartphones has become more widespread, some financial institutions have begun to allow ATM transactions using smartphones (Non-Patent Document 1). However, as exemplified in Non-Patent Document 1, the smartphone ATM services that some financial institutions have begun to offer are services that use two-dimensional code reading functions and proprietary apps, which require modifications to existing ATMs. As a result, the services disclosed in Non-Patent Document 1 are inconvenient and can only be used at ATMs of that financial institution, and have not been widely adopted in society.

[0007] Although smartphone payments have increased convenience for users, there are still many things that users must do themselves. For example, users must find the location of an ATM that offers low fees for the desired transaction near their current location, find the locations of branches and ATMs of financial institutions that handle new banknotes, and contact the financial institution if their cash card is lost. Financial institutions are expected to provide solutions to these various user needs.

[0008] The present invention has been made to solve these problems, and aims to provide an information processing device, an information processing method, and a program that improve the user experience by providing solutions to users' needs from information acquired by financial institutions. Another aim of the present invention is to provide an information processing device, an information processing method, and a program that provide a mechanism for realizing general-purpose ATM transactions using user terminals such as smartphones. [Means for solving the problem]

[0009] An information processing device according to one aspect of the present invention includes a communication unit for communicating with an external network, a storage unit, and a control unit, The control unit receiving a user request from a user terminal via the communication unit, the user request including a user request, account information, and location information; analyzing the information acquired via the communication unit and / or the information stored in the storage unit to generate an analysis result corresponding to the user request, wherein the analyzing is performed based on the account information and / or the location information; transmitting the generated analysis result to the user terminal via the communication unit; is configured to execute [Effects of the Invention]

[0010] According to the present invention, ATM transactions can be performed using a general-purpose application installed on a user terminal, and various investigations and communications that were previously performed by the user can now be performed by an information processing device, thereby improving the user experience. [Brief explanation of the drawings]

[0011] A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which: [Figure 1] 1 is a diagram showing the configuration of an entire system including an information processing device 10 according to the present invention. [Figure 2] 1 is a system configuration diagram of an information processing device 10 according to the present invention. [Figure 3] FIG. 2 is a diagram illustrating an example of the data structure of user information 106. [Figure 4] FIG. 2 is a diagram illustrating an example of the data structure of ATM information 107. [Figure 5] FIG. 2 is a diagram illustrating an example of the data structure of head office / branch office information 108. [Figure 6]FIG. 10 is a diagram illustrating an example of the data structure of a deposit / withdrawal statement 109. [Figure 7] FIG. 2 is a diagram illustrating an example of the data structure of payment information 110. [Figure 8] FIG. 10 is a flow diagram illustrating a process for registering account information in a wallet. [Figure 9] FIG. 10 is a diagram showing an example of an image of a cash card displayed in a wallet application. [Figure 10] FIG. 10 is a flow diagram illustrating the process of executing various transactions using the ATM 12 by transmitting account information to the ATM 12 via the wallet application of the user terminal 11. [Figure 11] FIG. 10 is a flow diagram illustrating a process in which the information processing device 10 provides a proposal in response to a user request received via a financial service application. [Figure 12] FIG. 10 is a flow diagram illustrating the process of registering a user for a preferential service of a financial institution by registering for a health information management service provided by health information management system 14. [Figure 13] FIG. 10 is a flow diagram illustrating the process of suspending a user's account in response to a call from a communications carrier. DETAILED DESCRIPTION OF THE INVENTION

[0012] (Overall composition) 1 is a diagram showing the overall configuration of a system including an information processing device 10 according to the present invention. The information processing device 10 is connected to a user terminal 11, an ATM 12, a third-party bank system 13, a health information management system 14, and a communication carrier system 15 via any communication line so that they can communicate with each other.

[0013] The information processing device 10 can provide various functions of financial service applications to the user terminal 11. The financial service applications provide internet banking, securities services, services for credit card members, and information collection, analysis, and proposal services described later in this specification.

[0014] The information processing device 10 identifies user information based on the account information received from the ATM 12, and then determines whether the user is permitted to perform a transaction using the password received from the ATM 12. The account information is obtained from the user terminal 11 via an NFC reading device attached to the ATM 12.

[0015] When the account information received from ATM 12 is account information of another financial institution, information processing device 10 can transmit a request to acquire user information and / or a request to acquire transfer destination account information to the other bank system 13 corresponding to the account information. By transmitting these information acquisition requests, information processing device 10 can acquire user information and / or transfer destination account information from the other bank system 13.

[0016] The information processing device 10 can periodically acquire documents, images, etc. on the web that match predetermined conditions and store them in a database (for example, by using web scraping). The information processing device 10 can collect and store in a database information such as fee information and campaign information from each financial institution's homepage, and reviews of campaign information of financial institutions posted on social media. The information processing device 10 can analyze the contents of a user request received from the user terminal 11 and provide the user terminal 11 with suggestions based on information such as acquired documents, images, etc. on the web that match the analysis results.

[0017] Information processing device 10 stores information (e.g., account information, whether or not health information provision has been agreed upon) included in the health information management service application information received from health information management system 14, and updates the user's subscription information for the preferential fee service based on the acquired information. Based on the subscription information for the preferential fee service, information processing device 10 executes processing to waive or reduce the user's fee.

[0018] When the information processing device 10 receives a request to suspend use of an account associated with a user identifier (e.g., a telephone number) of a communication device from the communication carrier system 15, it performs a process to suspend transactions for the account based on the account number included in the suspension request.

[0019] User terminal 11 is a communication device generally called a smartphone, which has the same functions as a personal computer (PC) and can be operated with a touchpad. An application called a wallet, which functions as a wallet, and a financial service application are installed on user terminal 11. The financial service application is provided by information processing device 10. A health management application provided by health information management system 14 may also be installed on user terminal 11.

[0020] The user terminal 11 communicates with the ATM 12 via a wallet application to start a transaction at the ATM 12. In detail, the user terminal 11 transmits account information to the ATM 12 via the wallet application, and the ATM 12 makes an inquiry to the information processing device 10 based on the received account information, and if the account information exists, the ATM 12 allows the user to perform subsequent operations at the ATM 12.

[0021] The ATM 12 obtains account information from the user terminal 11 through communication between an NFC reading device attached to the ATM and the user terminal 11. This communication may be near-field communication such as NFC (Near Field Communication). After receiving the account information, the ATM 12 can also receive a PIN from the user terminal 11, or, as in the past, can prompt the user to enter the PIN on the display of the ATM 12. Once the PIN is confirmed to be correct by either method, the user can carry out various transactions.

[0022] The other bank system 13 is a system of a financial institution (second financial institution) different from the financial institution (first financial institution) that has jurisdiction over the information processing device 10. The other bank system 13 has a user information DB that stores information on account holders, a transfer destination information DB that stores transfer destination account information, etc., and can provide such information in response to a request from the information processing device 10.

[0023] Health information management system 14 receives application information for the health information management service by communicating with user terminal 11, and acquires and stores the user's health information (for example, physical condition and life rhythm information such as the number of steps taken, heart rate, and sleep time registered in user terminal 11). Health information management system 14 provides the application information for the health information management service, including the user's account information, to information processing device 10.

[0024] The communication carrier system 15 is a system of a telecommunications carrier that communicates with the user's user terminal 11. When the communication carrier system 15 receives a request from the user to suspend the use of a communication device, it performs a process to suspend the use of the communication device and transmits a request to suspend the use of an account associated with an identifier (e.g., a telephone number) of the communication device to the information processing device 10. The communication carrier system 15 can include the account number in the request to suspend the use of the account.

[0025] (System Configuration) 2 is a system configuration diagram of an information processing device 10 according to the present invention. Similar to a general computer, the information processing device 10 comprises a control unit 101, a main memory unit 102, an auxiliary memory unit 103, an IF unit 104, and an output unit 105, which are interconnected by a bus 120 or the like. The information processing device 10 comprises user information 106, ATM information 107, head office / branch information 108, deposit / withdrawal details 109, settlement information 110, and collected information 111 in the form of storage means such as a file / database within the auxiliary memory unit 103.

[0026] The control unit 101, also called a central processing unit (CPU), controls each component of the information processing device 10 and performs data calculations, and also reads various programs stored in the auxiliary storage unit 103 into the main storage unit 102 and executes them. The main storage unit 102, also called a main memory, can store various received data, computer-executable instructions, and data after calculation processing based on those instructions. The auxiliary storage unit 103 is a storage device represented by a hard disk drive (HDD) or a solid-state drive (SSD), and is used for long-term storage of data and programs.

[0027] 2 illustrates an embodiment in which the control unit 101, main memory unit 102, and auxiliary memory unit 103 are provided in the same computer, but in another embodiment, the information processing device 10 can be configured to realize parallel distributed processing by a plurality of computers by using a plurality of control units 101, main memory units 102, and auxiliary memory units 103. In another embodiment, it is also possible to provide an embodiment in which a plurality of servers are installed for the information processing device 10, and the plurality of servers share a single auxiliary memory unit 103.

[0028] The IF unit 104 serves as an interface (IF) when sending and receiving data to and from other systems and devices, and also provides an interface for accepting various commands and input data (various masters, tables, etc.) from a system operator. The output unit 105 provides a display screen for displaying processed data and printing means for printing the data.

[0029] Components with functions similar to those of the control unit 101, main memory unit 102, auxiliary memory unit 103, IF unit 104, and output unit 105 also exist in the user terminal 11, ATM 12, other bank system 13, health information management system 14, and communication carrier system 15, but explanations of these will be omitted in this specification.

[0030] User information 106 stores account information of users who have opened accounts at financial institutions, as well as user information associated with the account information, such as the user's registered address, the telephone number of user terminal 11, whether or not the user has subscribed to a preferential fee service, the account balance, and whether or not the account can be used. Figure 3 is a diagram illustrating an example of the data structure of user information 106. User information 106 can include account information 301, registered address 302, registered telephone number 303, whether or not the user has subscribed to a preferential fee service 304, account balance 305, and account usability flag 306, but is not limited to these data items and can also include other data items.

[0031] Account information 301 is information identifying a user's account opened at a financial institution, and indicates the financial institution code, branch number, account number, and account number. Registered address 302 indicates the residential address that the user has registered with the financial institution. Registered telephone number 303 indicates the telephone number of the user terminal 11 using the financial service application that the user has registered with the financial institution. Fee discount service subscription status 304 indicates whether the user has subscribed to various discount services offered to users by the financial institution. Account balance 305 indicates the amount of the account balance. Account availability flag 306 is a flag indicating whether the user's account can be used; for example, it normally indicates "available," but can be updated to indicate "unavailable" if the user terminal 11 is lost. Whether the account can be used or not can be determined, based on whether the account can be used or not.

[0032] Returning to Figure 2, ATM information 107 stores information about ATMs managed by a financial institution. Figure 4 is a diagram illustrating an example of the data structure of ATM information 107. ATM information 107 can include an ATM management ID 401, location information 402, jurisdiction branch 403, and new bill availability 404, but is not limited to these data items and can also include other data items.

[0033] The ATM management ID 401 is an identifier that identifies each ATM managed by a financial institution. The location information 402 indicates the location where the ATM is installed, such as the address, building name, latitude and longitude information, etc. The jurisdiction branch 403 indicates the head office or branch of the financial institution that manages the ATM. The presence or absence of new bills 404 indicates whether new bills are present in the ATM.

[0034] Returning to Figure 2, head office / branch office information 108 stores information about the head office and branches of a financial institution. Figure 5 is a diagram illustrating an example of the data structure of head office / branch office information 108. Head office / branch office information 108 can include a financial institution code 501, a branch number 502, location information 503, and new bill availability 504, but is not limited to these data items and can also include other data items.

[0035] The financial institution code 501 is an identifier that identifies a financial institution. The branch number 502 indicates the head office or branch office of the financial institution. The financial institution code 501 and branch number 502 may be a four-digit number assigned to financial institutions by the Japanese Bankers Association, a general incorporated association, and a three-digit number assigned to the head office or branch office of the financial institution. The location information 503 indicates the location information of the head office or branch office. The presence or absence of new bills 504 indicates whether new bills are present at the head office or branch office.

[0036] Returning to Figure 2, the deposit / withdrawal statement 109 stores information on deposits and withdrawals made to each account. Figure 6 is a diagram illustrating an example of the data structure of the deposit / withdrawal statement 109. The deposit / withdrawal statement 109 can include account information 601, statement number 602, date and time of use 603, transaction amount 604, and fee 605, but is not limited to these data items and can also include other data items.

[0037] Account information 601 indicates information identifying the account where the deposit / withdrawal transaction was made. Detail number 602 indicates information identifying the deposit / withdrawal transaction. Usage date / time 603 indicates the transaction date / time when the deposit / withdrawal transaction was made. Transaction amount 604 indicates the transaction amount for the deposit / withdrawal transaction. Fee 605 indicates the fee for the deposit / withdrawal transaction.

[0038] Returning to Figure 2, payment information 110 stores credit card transaction information associated with account information. Figure 7 is a diagram illustrating an example of the data structure of payment information 110. Payment information 110 may include account information 701, registered address 702, credit card number 703, card usage amount 704, and affiliated store ID 705, but is not limited to these data items and may also include other data items.

[0039] Account information 701 indicates the account information from which the account is debited for credit card transactions. Registered address 702 indicates the registered address of the credit card member. Credit card number 703 indicates the credit card number used for the transaction. Card usage amount 704 indicates the amount used for the credit card transaction. Member store ID 705 indicates an identifier that identifies the member store that conducted the credit card transaction.

[0040] 2, collected information 111 stores fee information from the websites of financial institutions collected by information processing device 10, user information of other bank systems 13 (for example, information on whether users have subscribed to fee discount programs, etc.), etc. As described above, information processing device 10 acquires documents and images on the Web that meet predetermined conditions and stores them in a database.

[0041] (Cash card information registration process) FIG. 8 is a flow diagram illustrating the process of registering account information in a wallet. This process flow is premised on the assumption that a wallet application and a financial service application have already been installed on the user terminal 11. The wallet application is an application called a wallet that functions as a wallet. As known to those skilled in the art, wallet applications are general-purpose applications that are often pre-installed on smartphones and the like. The financial service application is an application that provides various financial services such as internet banking, securities services, and services for credit card members, and is an application that allows account information to be registered, or an application that allows multiple pieces of information, such as account information, securities account information, credit card information, and point information, to be associated and registered.

[0042] In S801, the user registers account information in a financial service application (information provider application) on the user terminal 11. The account information may be registered in association with other information such as credit card information and point information. The user terminal 11 transmits the account information entered by the user to the information processing device 10 or another server via the financial service application to perform the registration process.

[0043] In S802, the user starts the wallet application on the user terminal 11 and performs an operation to add account information from the financial service application to the wallet application. As a result, the user's account information is added to the wallet application on the user terminal 11, and an image of a cash card, for example, as shown in Fig. 9, is displayed on the wallet application.

[0044] The above describes using information registered in a financial services application to register account information in a wallet application, but the present invention is not limited to this embodiment and any method of registering account information in a wallet application may be used.

[0045] A user terminal 11 with a wallet application installed can communicate with devices that support near-field wireless communication (e.g., NFC). A user terminal 11 with a wallet application installed and with account information registered therein can transmit the account information to an ATM 12 that supports near-field wireless communication. This transmission enables the ATM 12 to obtain the account information for a transaction and allow the user to perform subsequent processing.

[0046] In conventional technology, it was necessary to add a two-dimensional code reading function to the ATM or modify the ATM software to make it compatible with proprietary applications. However, in the present invention, account information is registered in a wallet, which is a general-purpose application on the user terminal 11, so there is no need to add hardware or software functions as was necessary in conventional technology, and account information can be easily obtained using the NFC-enabled ATM 12.

[0047] (ATM transaction flow using user terminal 11) FIG. 10 is a flow diagram illustrating a process for executing various transactions using the ATM 12 by transmitting account information to the ATM 12 via the wallet application of the user terminal 11.

[0048] In S1001, the user terminal 11 starts the wallet application. As shown in the example of Fig. 9, account information associated with the cash card data is registered in the wallet application, and in the following example, the account information associated with the cash card data is used.

[0049] In S1002, the user terminal 11 approaches the ATM 12 within a predetermined distance and performs short-range wireless communication (e.g., NFC) to transmit account information to the ATM 12. The ATM 12 has a reading device compatible with short-range wireless communication and receives the account information from the user terminal 11. The account information indicates the financial institution code, branch number, account number, and account number.

[0050] In S1003, the ATM 12 generates an account information verification request message including the received account information. The account information verification request message is a request message for having the information processing device 10 determine whether the account information is a user account at a financial institution.

[0051] In S1004, ATM 12 transmits an account information verification request message to information processing device 10. ATM 12 selects the destination system to which the account information verification request message should be sent based on the financial institution code indicated by the account information, i.e., information processing device 10 in the case of its own bank, or other bank system 13 in the case of another bank, and transmits the message to the selected destination system. In the example of Figure 10, a case will be described in which the financial institution code indicates its own bank, but similar processing will be performed by other bank system 13 even if the financial institution code indicates another bank.

[0052] In S1005, information processing device 10 queries user information 106 based on the account information included in the received account information matching request message, and determines whether data corresponding to the account information exists in user information 106. Information processing device 10 generates a matching result based on the result of the determination.

[0053] In S1006, the information processing device 10 transmits the matching result to the ATM 12. The ATM 12 displays a message according to the matching result on the ATM display. If the matching result indicates that the account information exists, the ATM 12 displays a message to the user prompting the user to enter a PIN. The PIN may be entered via short-range wireless communication (e.g., NFC) between the user terminal 11 and the ATM 12, or may be entered on the display of the ATM 12 as in the past. On the other hand, if the matching result indicates that the account information does not exist, the ATM 12 displays a message prompting the user to check whether there are any errors in the account information. The following flow will explain the case where the account information exists.

[0054] In S1007, the ATM 12 receives the PIN entered by the user and transmits it to the information processing device 10. The information processing device 10 queries the user information 106 based on the account information and the PIN and determines whether to permit the transaction. If the information processing device 10 determines that the transaction is permitted, it causes the ATM 12 to display a message prompting the user to enter information for performing the desired transaction. The ATM 12 transmits the transaction information entered by the user to the information processing device 10. The information processing device 10 executes transactions such as deposit processing, withdrawal processing, and transfer processing based on the transaction information received from the ATM 12.

[0055] Through the above-described process, the user can perform various financial transactions by using short-range wireless communication with the ATM 12 using account information registered in the wallet application on the user terminal 11. The wallet application is an application installed on the user terminal 11, such as a smartphone, and was not created specifically for the present invention. Therefore, unlike conventional technology, there is no need to develop a new ATM transaction mechanism using a two-dimensional code or dedicated app, and the wallet application can be used at ATMs of many financial institutions, improving the user experience.

[0056] (Process flow to propose solutions to user requests) FIG. 11 is a flow diagram illustrating a process in which the information processing device 10 provides a proposal in response to a user request received via a financial service application.

[0057] In S1101, the user terminal 11 displays a menu provided by the information processing device 10. For example, the displayed menu may be, for example, a search for ATMs with the lowest withdrawal fees, a search for ATMs with the lowest transfer fees, a search for ATMs and branches with new banknotes in stock, etc. When the user selects one of the displayed menus, the user terminal 11 generates a user request including the selected menu (i.e., a user request), account information, and location information. The account information is the account information of the user. The location information may be location information (e.g., GPS location information) acquired by the user terminal 11 in any manner.

[0058] In another embodiment of the present invention, the user terminal 11 can also display a request input field provided by the information processing device 10. When the user has completed inputting the content of the information he or she desires into the request input field, the user terminal 11 generates a user request including the user request, account information, and location information. That is, the user request indicates the desired information entered by the user into the request input field.

[0059] In S1102, the user terminal 11 transmits the generated user request to the information processing device 10. The information processing device 10 receives the user request.

[0060] In S1103, the information processing device 10 searches for documents, images, etc. on the Web based on the user request included in the received user request (selected from the selection menu or information entered in the request input field), and can collect information and store the collected information in the collection information 111. If the information processing device 10 determines that the content of the user request can be handled using only the internal information of the information processing device 10 without searching the homepage of a financial institution, etc., it does not need to search for documents, images, etc. on the Web.

[0061] The information processing device 10 can perform information collection processing by searching for information stored in at least one of user information 106, ATM information 107, head office / branch information 108, deposit / withdrawal details 109, payment information 110, and collection information 111, depending on the content of the user request.

[0062] The processing of S1104 to S1106 is performed when the account information indicates a financial institution (i.e., another bank) different from the financial institution that has jurisdiction over the information processing device 10. The information processing device 10 determines from the account information whether the user is a user of its own bank or a user of another bank, and if it is determined that the user is a user of another bank, the processing of S1104 to S1106 is performed. This processing is performed when obtaining information in the other bank's system 13 that cannot be obtained by the search processing of the information processing device 10.

[0063] At S1104, the information processing device 10 generates a request to acquire user information and transmits it to the other bank system 13 of the financial institution indicated by the account information. At S1105, the other bank system 13 acquires user information (e.g., membership information for a fee discount program) identified by the account information included in the received acquisition request. At S1106, the other bank system 13 transmits the acquired user information to the information processing device 10. The information processing device 10 stores the acquired user information in collection information 111.

[0064] In S1107, the information processing device 10 analyzes one or both of the information acquired by the information collection process in S1103 and the user information acquired in S1106 to generate an analysis result corresponding to the user request (selected from the selection menu or information entered in the request input field). During the analysis, one or both of the account information and location information included in the user request are used. Below, several examples of generating analysis results will be described.

[0065] (Example 1) When a user request is a search for an ATM with the lowest withdrawal fee, the information processing device 10 determines whether the user is a user of the bank or a user of another bank based on the account information included in the user request. If the user is a user of the bank, the information processing device 10 searches for ATM information 107 based on the location information included in the user request, and identifies ATMs within a predetermined range (for example, within a 500-meter radius) from the location information. On the other hand, if the user is a user of another bank, the information processing device 10 identifies ATMs under the jurisdiction of the other bank that are within a predetermined range (for example, within a 500-meter radius) from the location information, from among ATMs collected from the homepage of the financial institution (other bank).

[0066] The information processing device 10 determines whether the user who made the user request has subscribed to a preferential fee service based on the user information 106 or the user information of other bank users stored in the collected information 111, and if the user has subscribed, can generate the location of the ATM with the lowest withdrawal fee among the identified ATMs as an analysis result based on the content of the preferential fee service.

[0067] Whether or not a user has subscribed to a preferential fee service may be determined based on, for example, whether the user information of other bank users stored in user information 106 or collected information 111 contains information on subscription to a specified preferential service, whether the financial institution (own bank) that manages information processing device 10 and the financial institution (other bank) grant preferential fee services to each other's users, whether or not there is information on subscription to a service provided by health information management system 14, etc.

[0068] (Example 2) When a user request is a search for an ATM with the lowest transfer fee, the information processing device 10 determines whether the user is a user of the bank or another bank based on the account information included in the user request. If the user is a user of the bank, the information processing device 10 searches the ATM information 107 based on the location information included in the request and identifies ATMs within a predetermined range (e.g., within a 500-meter radius) from the location information. If the user is a user of another bank, the information processing device 10 searches the collected information 111 based on the location information included in the request and identifies ATMs within a predetermined range (e.g., within a 500-meter radius) from the location information. The information processing device 10 can generate the location of the identified ATM as an analysis result. Furthermore, the information processing device 10 can search the head office / branch information 108 and the collected information 111 based on the location information included in the request, obtain location information of head offices and branches of financial institutions (including the bank and other banks) within a predetermined range from the location information, and information on Internet banking fees, and add these to the analysis result. In other words, even when the information processing device 10 receives a user request to search for an ATM with the lowest handling fee, it can search for not only the location of the ATM, but also the location of head office and branches and information on other transaction channels such as Internet banking, and provide the analysis results to the user terminal 11.

[0069] (Example 3) When a user request is to obtain new banknotes, the information processing device 10 queries the ATM information 107 and the head office / branch information 108 to obtain location information of ATMs that have new banknotes and location information of head office / branch offices. Based on the location information included in the user request, the information processing device 10 can identify the locations of one or more ATMs and / or head office / branch offices that are located within a predetermined distance from the user's location from the obtained ATM location information and head office / branch office location information, and generate the identified locations as the analysis result.

[0070] In addition, the information processing device 10 may also have an AI (artificial intelligence) program that analyzes the user request, account information, and location information contained in the user request, searches for information sources that match the content of the user request to acquire information, and generates analysis results to be provided to the user terminal 11 based on the acquired information and the location information contained in the user request.

[0071] In S1108, the information processing device 10 transmits the generated analysis results to the user terminal 11. In S1109, the user terminal 11 displays the received analysis results.

[0072] (Process flow for registering with a health information management service and registering with preferential treatment services) FIG. 12 is a flow diagram illustrating the process by which a user registers for a preferential service of a financial institution by registering for a health information management service provided by health information management system 14.

[0073] In S1201, user terminal 11 downloads and installs a health information management application provided by health information management system 14. When a user inputs information to apply for the health information management service, user terminal 11 generates health information management service application information using the application. A user who has applied for the health information management service inputs their own health information (for example, physical condition and life rhythm information such as the number of steps taken, heart rate, and sleep time registered in user terminal 11) at a predetermined timing. The input data is transmitted from user terminal 11 to health information management system 14.

[0074] In S1202, user terminal 11 transmits the user's health information management service application information to health information management system 14. The health information management service application information includes information such as account information, insurance information, family information, and whether or not there is agreement to provide health information.

[0075] In S1203, the health information management system 14 registers the information included in the health information management service application information within the system.

[0076] In S1204, health information management system 14 transmits to information processing device 10 the account information of the user who has agreed to the provision of health information.

[0077] In S1205, based on the received account information, the information processing device 10 registers "Agreement to provide health information" in the fee discount service subscription status 304 of the user information 106. For a user who has registered "Agreement to provide health information" in the fee discount service subscription status 304, as exemplified above, when using various financial services, fees will be reduced or waived in accordance with predetermined rules.

[0078] (Process flow for suspending a user's account) 13 is a flow diagram illustrating the process of suspending a user's account in response to a communication from a communications carrier. This process flow is premised on the assumption that, for example, when a user loses user terminal 11, the user contacts a telecommunications carrier (communications carrier) that provides communications services to user terminal 11 by any means to inform them of the loss of their own user terminal 11.

[0079] In S1301, the communication carrier system 15 stops providing the communication service associated with the telephone number (user identifier of the communication device) of the user terminal 11 input by the operator of the communication carrier, thereby suspending the use of the communication service by the user terminal 11. The communication carrier system 15 generates suspension request information including the suspended telephone number.

[0080] In S1302, the communication carrier system 15 transmits the stop request information generated in S1301 to the information processing device 10. The stop request information includes the user identifier of the communication device, that is, the telephone number of the user.

[0081] In S1303, the information processing device 10 queries the user information 106 using the telephone number included in the received suspension request information, and identifies data in which the same telephone number is stored in the notified telephone number 303. If the data is identified, the information processing device 10 updates the account availability flag 306 of the data to a value indicating "unavailable," and can suspend financial transactions of the user associated with the telephone number.

[0082] The user can also suspend use of the user terminal 11 by using the remote lock function of the user terminal 11. Even if the remote lock function is not available, the user can suspend financial transactions involving the use of the user's account by simply notifying the communication carrier of the loss as described above.

[0083] Although the principles of the present invention have been described above with reference to exemplary embodiments, it will be understood by those skilled in the art that various modifications in configuration and detail can be made without departing from the spirit of the present invention. That is, the present invention can be embodied as, for example, a system, an apparatus, a method, a program, or a storage medium. [Explanation of symbols]

[0084] 10. Information processing equipment 11 User terminal 12 ATM 13 Other Bank Systems 14 Health Information Management System 15 Telecommunications Carrier System 101 Control section 102 Main memory 103 Auxiliary storage 104 IF Section 105 Output section 106 User information 107 ATM information 108 Head Office and Branch Information 109 Deposit and Withdrawal Details 110 Payment Information 111 Collected Information

Claims

1. An information processing device including a communication unit for communicating with an external network, a storage unit, and a control unit, The control unit receiving a user request from a user terminal via the communication unit, the user request including a user request, account information, and location information; analyzing the information acquired via the communication unit and / or the information stored in the storage unit to generate an analysis result corresponding to the user request, wherein the analyzing is performed based on the account information and / or the location information; transmitting the generated analysis result to the user terminal via the communication unit; An information processing device configured to execute the above.

2. The control unit 2. The information processing device of claim 1, configured to, in response to receiving the user request, search for documents and images on the Web via the communication unit based on the user request and store the acquired information in the storage unit.

3. The control unit If the account information indicates a second financial institution different from the first financial institution that has jurisdiction over the information processing device, Sending a user information acquisition request to the system of the second financial institution; receiving user information from the system of the second financial institution and storing it in the storage unit; The information processing device of claim 1 configured to execute the

4. The information processing apparatus of claim 1 , wherein the user request is based on the contents of a menu provided to the user terminal via the communication unit.

5. The information processing apparatus of claim 1 , wherein the user request indicates desired information input by the user into a request input field provided to the user terminal via the communication unit.

6. If the user request indicates a search for an ATM with the lowest withdrawal fees, The control unit Identifying ATMs within a predetermined range from the location information based on the information acquired via the communication unit and / or the information stored in the storage unit; generating, as an analysis result, the location of the ATM with the lowest withdrawal fee among the identified ATMs based on the information stored in the storage unit as to whether the user has subscribed to a preferential fee service; The information processing device of claim 1 configured to execute the

7. If the user request indicates a search for an ATM with the lowest transfer fee, The control unit determining whether the user is a user of the first financial institution or a user of the second financial institution based on the account information; If it is determined that the user is a user of a first financial institution, searching for first user information stored in the storage unit based on the location information, and identifying a first ATM within a predetermined range from the location information; If it is determined that the user is a user of a second financial institution, searching for second user information stored in the storage unit based on the location information and identifying a second ATM within a predetermined range from the location information; generating a location of the identified first ATM or the identified second ATM as an analysis result; The information processing device of claim 1 configured to execute the

8. If the user request indicates acquisition of new notes, The control unit Inquiring about the ATM information and head office / branch information stored in the storage unit, and acquiring location information of the ATM where the new bills are located and location information of the head office / branch; based on the location information, identify the locations of one or more ATMs and / or head and branch offices that are within a predetermined distance from the user's location from the acquired ATM location information and head and branch office location information, and generate the identified locations as an analysis result; The information processing device of claim 1 configured to execute the

9. The control unit receiving stop request information from a communication carrier system via the communication unit, the stop request information including a user identifier of the communication device; updating account availability information associated with the account information stored in the storage unit, which is specified based on the user identifier of the communication device included in the suspension request information; The information processing device of claim 1 configured to execute the

10. The control unit In response to receiving an account information matching request message from an ATM, an inquiry is made to user information stored in the storage unit based on account information included in the account information matching request message to determine whether data corresponding to the account information exists, wherein the ATM receives the account information registered in a wallet application of the user terminal via NFC and generates the account information matching request message; If it is determined that the personal identification number exists, a message is sent to the ATM prompting the user to enter the personal identification number. The information processing device of claim 1 configured to execute the

11. A method executed by an information processing device including a communication unit for communicating with an external network, a storage unit, and a control unit, The control unit receives a user request from a user terminal via the communication unit, the user request including a user request, account information, and location information; the control unit analyzes the information acquired via the communication unit and / or the information stored in the storage unit to generate an analysis result corresponding to the user request, and the analysis is performed based on the account information and / or the location information; and the control unit transmits the generated analysis result to the user terminal via the communication unit; A method for providing the above.

12. A program for causing a computer to execute the method according to claim 11.

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