Information processing program, information processing system and information processing method

Abstract

To support user's fund management more properly.SOLUTION: An information processing system 1 comprises: an acquisition part which acquires first settlement transaction data within a predetermined period related to settlement transactions executed using accounts that respective business operators provide for a user, and also acquires second settlement transaction data related to settlement transactions executed each time the settlement transactions are executed after the predetermined period; a management part which derives found balances of the user, account by account, based upon the first settlement transaction data and the second settlement transaction data; and an output part which outputs list information including the fund balances, the first settlement transaction data and the second settlement transaction data.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] In recent years, there have been services that visualize the status of fund transfers, such as income and expenditures, using so-called accounting software or household account book apps, and support users in managing their finances. These services have a function that automatically records fund transfers in conjunction with the user's bank account system or credit card system, and this function is also called "account aggregation." For example, Patent Document 1 discloses an accounting processing device that acquires web statement data provided by a financial institution or credit company after the fact, rather than on a daily basis, identifies the web statement data for each transaction, and displays the status of fund transfers, such as the transaction date, transaction partner, and transaction amount, for each identified transaction as a journal entry processing screen or journal entry data. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2017-16696 Summary of the Invention [Problem to be solved by the invention]

[0004] However, as described in Patent Document 1, conventional account aggregation only obtains payment transaction data for a specified period, for example, monthly, after the fact. This means that users are unable to grasp their total balance in a timely manner, and there is a risk that the system may not adequately support users' financial management, such as by overspending without realizing that payment transactions were executed after the specified period.

[0005] The present disclosure has been made in consideration of such circumstances, and one of its objectives is to provide an information processing program, an information processing system, and an information processing method that can more appropriately support users' financial management. [Means for solving the problem]

[0006] An information processing program according to one embodiment of the present disclosure includes one or more computers, an acquisition unit that acquires first payment transaction data within a predetermined period regarding payment transactions executed using accounts provided by each business to a user, and acquires second payment transaction data regarding the executed payment transaction each time the payment transaction is executed after the predetermined period, a management unit that derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data, and an output unit that outputs list information including the fund balance, the first payment transaction data, and the second payment transaction data.

[0007] An information processing system according to one embodiment of the present disclosure includes one or more information processing devices, an acquisition unit that acquires first payment transaction data within a predetermined period regarding payment transactions executed using accounts provided by each business to a user, and acquires second payment transaction data regarding the executed payment transaction each time the payment transaction is executed after the predetermined period, a management unit that derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data, and an output unit that outputs list information including the fund balance, the first payment transaction data, and the second payment transaction data.

[0008] An information processing method according to one embodiment of the present disclosure includes the steps of: one or more information processing devices acquiring first payment transaction data within a predetermined period relating to payment transactions executed using accounts provided to users by each business; acquiring second payment transaction data relating to the executed payment transactions each time the payment transaction is executed after the predetermined period; deriving and managing the user's fund balance for each account based on the first payment transaction data and the second payment transaction data; and outputting list information including the fund balance, the first payment transaction data, and the second payment transaction data. [Effects of the Invention]

[0009] According to one aspect of the present disclosure, it is possible to more appropriately support users in managing their finances. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a conceptual diagram of an information processing system 1 according to the present embodiment. [Figure 2] 2 is a diagram illustrating an example of a hardware configuration of each device in the information processing system 1 according to the present embodiment. FIG. [Figure 3] 1 is a diagram illustrating an example of a functional configuration of an information processing system 1 according to the present embodiment. [Figure 4] FIG. 2 is a diagram showing an example of first and second payment transaction data according to the present embodiment. [Figure 5] FIG. 4 is a diagram showing an example of point data according to the embodiment. [Figure 6] FIG. 10 is a diagram illustrating an example of list information according to the embodiment. [Figure 7] 10A and 10B are diagrams illustrating examples of warning information and recommendation information according to the embodiment. [Figure 8] 10A and 10B are diagrams illustrating other examples of warning information and recommendation information according to the embodiment. [Figure 9] FIG. 2 is a diagram illustrating an example of the operation of the information processing system 1 according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0011] An information processing system according to an embodiment of the present invention will be described in detail below with reference to the drawings. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

[0012] (overview) Fig. 1 is a conceptual diagram of an information processing system according to this embodiment. As shown in Fig. 1, the information processing system 1 includes a management device 10, a user terminal 20, a payment terminal 30, and one or more business device(s) (here, business device(s) 40 and 50), at least two of which are connected via a network (not shown).

[0013] The management device 10 is composed of one or more information processing devices and manages funds of users who use payment transaction-related services provided by each business operator. The management device 10 manages points of users who use point-related services (e.g., loyalty programs) provided by each business operator. Each user is assigned one or more accounts by each business operator, and the management device 10 may manage the funds and point balances of one or more accounts held by the user. For example, the management device 10 may manage a tool (called a "wallet," etc.) that manages one or more accounts associated with a user.

[0014] In this embodiment, "funds" is not limited to currency, but may include various electronic values ​​such as virtual currency, cryptographic calculations, NFTs (Non-Fungible Tokens), stable coins, etc. "Fund balance (hereinafter referred to as "fund balance")" is not limited to the amount of money held in an account granted to a user, but may be the number and / or amount (hereinafter referred to as "number / amount") of the above-mentioned electronic value held in the account. Furthermore, it is not limited to the remaining number / amount of electronic value held in the account, but may be the number / amount of remaining electronic value up to a predetermined threshold associated with the account (e.g., a credit limit, a prepaid amount, a charge amount, etc.).

[0015] Furthermore, in this embodiment, "points" may refer to electronic value that a user acquires in accordance with the user's actions through a loyalty program or the like. The use of the electronic value may enable the user to acquire a specified product or use a service. The "point balance (hereinafter referred to as "point balance")" may refer to the number / amount of electronic value held in the account assigned to the user. The point balance increases when the electronic value is acquired and decreases when the electronic value is used.

[0016] Furthermore, the term "payment transaction" may include various types of payment transactions, such as credit cards, prepaid cards, Central Bank Digital Currency (CBDC) accounts, accounts for P2P (Pear-to-Pear) transactions, transportation IC cards, accounts for the Pay function of funds transfer service providers, accounts for online commerce, accounts for use in stores, or accounts at financial institutions (e.g., bank accounts, securities accounts, or foreign exchange accounts).

[0017] Specifically, as shown in FIG. 1, the management device 10 acquires data (hereinafter referred to as "first payment transaction data") regarding payment transactions executed using accounts provided to users by each business operator within a predetermined period of time, and also acquires data (hereinafter referred to as "second payment transaction data") regarding the executed payment transaction each time the payment transaction is executed after the predetermined period of time. The management device 10 may also acquire point data regarding points earned and / or used using the account. For example, in FIG. 1, the management device 10 acquires second payment transaction data from the payment terminal 30, and acquires first payment transaction data and point data from different business operator devices 40 and 50, respectively, but this is not limited thereto. The management device 10 may also acquire first payment transaction data and point data from the same business operator device.

[0018] The management device 10 derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data. The management device 10 may also derive and manage the user's point balance for each account based on the point data. The management device 10 outputs list information including the fund balance, the first payment transaction data, and the second payment transaction data. The list information may also include the point balance and point data. The management device 10 may also output at least one of recommendation information (described below) and warning information (described below) for the user to the user terminal 20.

[0019] The user terminal 20 is a user's terminal, and may be, for example, a smartphone, a tablet, a personal computer, a smartwatch, etc. A payment transaction application may be installed on the user terminal 20, and the payment transaction may be executed via the payment terminal 30 using the payment transaction application. The payment transaction application may be a wallet application.

[0020] The payment terminal 30 is a terminal for conducting a payment transaction using the user terminal 20. The payment terminal 30 may be connected via a network (not shown) to a business operator device 40 that provides services related to the payment transaction. Second payment transaction data related to a payment transaction executed using the payment terminal 30 may be reflected in the database of the business operator device 40 at predetermined intervals (e.g., monthly, weekly, etc.). The second payment transaction data reflected in the database of the business operator device 40 at predetermined intervals may be treated as first payment transaction data. For example, second payment transaction data related to a payment transaction executed using the payment terminal 30 on March 11 may be treated as first payment transaction data when reflected in the database of the business operator device 40 at the end of the month, and payment transactions executed using the payment terminal 30 after April 1 of the following month may be treated as second payment transaction data. In this way, the "first payment transaction data within a predetermined period" may also be considered as payment transaction data using the payment terminal 30 that has already been reflected in the database of the business operator device 40 at predetermined intervals. The "second payment transaction data" can also be said to be payment transaction data using the payment terminal 30 that has not yet been reflected in the database of the business operator device 40.

[0021] The business device 40 and 50 are one or more information processing devices of each business. The business device 40 and 50 each provide at least one of a payment transaction service using the payment terminal 30 and a point service. The business device 40 and 50 may issue accounts to users. Note that the same account may be shared between the payment transaction service and the point service, or different accounts may be used for each.

[0022] According to the information processing system 1 shown in FIG. 1, not only is first payment transaction data within a predetermined period obtained from the business operator device 40, but second payment transaction data of a payment transaction executed using the payment terminal 30 after the predetermined period is obtained from the payment terminal 30, and the fund balance for each account is managed based on the first payment transaction data and the second payment transaction data, thereby preventing users from spending too much money without realizing that a payment transaction executed after the predetermined period has occurred, and providing more appropriate support for the user's fund management.

[0023] (composition) The configuration of the information processing system 1 described above will be described below. <Hardware configuration> 2 is a diagram showing an example of the hardware configuration of each device according to this embodiment. Each device (e.g., management device 10, user terminal 20, payment terminal 30, business entity devices 40 and 50, etc.) has a processor 11 such as a CPU (Central Processing Unit) equivalent to a computing device, a storage unit 12, a transmission / reception unit 13, and an input / output unit 14. These components are connected via a bus so that they can transmit and receive data to and from each other.

[0024] The processor 11 is, for example, a CPU (Central Processing Unit) and controls each device in the information processing system 1. The processor 11 may execute various processes described in this embodiment by reading and executing a program from the storage unit 12. Each device in the information processing system 1 may be configured with one or more processors 11. Furthermore, each device may be called a computer.

[0025] The storage unit 12 is configured with, for example, storage such as a memory, a hard disk drive (HDD), and / or a solid state drive (SSD), etc. The storage unit 12 may store various information necessary for the processor 11 to execute processing (for example, a program executed by the processor 11, etc.).

[0026] The transmitting / receiving unit 13 is a device that communicates via a network, and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transmitting / receiving unit 13 may include a transmitting unit that transmits various types of information via the network and / or a receiving unit that receives various types of information via the network.

[0027] The input / output unit 14 includes an input unit such as a keyboard, a touch panel, a mouse, and / or a microphone, and an output unit such as a display and / or a speaker. The input unit accepts input of various information from a user. The output unit may also include a display unit that displays various information to the user.

[0028] The physical configuration described above is merely an example. Each device in the information processing system 1 may omit some of the hardware shown in Fig. 2, or may include hardware not shown in Fig. 2. Furthermore, the hardware shown in Fig. 2 may be configured from one or more chips.

[0029] The hardware configuration described above is merely an example. Each information processing device may omit some of the hardware shown in FIG. 2, or may include hardware not shown in FIG. 2. The hardware shown in FIG. 2 may be configured with one or more chips. When an information processing device is configured with multiple devices, each device may include at least some of the hardware.

[0030] <Functional configuration> Fig. 3 is a diagram showing an example of the functional configuration of the management device 10 according to this embodiment. As shown in Fig. 3, the management device 10 includes an acquisition unit 101, a management unit 102, and an output unit 103. The management unit 102 may be realized by at least a part of the programs executed by the storage unit 12 and processor 11 of the management device 10. The acquisition unit 101 and the output unit 103 may be realized by at least a part of the programs executed by the transmission / reception unit 13, input / output unit 14, and processor 11 of the management device 10.

[0031] The acquisition unit 101 acquires first payment transaction data for a predetermined period (e.g., one month, one week, etc.) related to payment transactions performed using accounts provided by each business to users. For example, the acquisition unit 101 may acquire the first payment transaction data for each predetermined period (e.g., monthly, weekly). Specifically, the acquisition unit 101 may acquire the first payment transaction data received from the business device 40 by the transmission / reception unit 13.

[0032] Furthermore, the acquisition unit 101 acquires second payment transaction data related to the executed payment transaction each time the payment transaction is executed after the predetermined period. Specifically, the acquisition unit 101 may acquire the second payment transaction data received from the payment terminal 30 by the transmission / reception unit 13.

[0033] The acquisition unit 101 may also acquire point data relating to points earned and / or used using an account provided to a user by each business operator. Specifically, the acquisition unit 101 may acquire point data received from the business operator device 50 by the transmission / reception unit 13.

[0034] The acquiring unit 101 may also acquire information regarding promotion of point use (hereinafter referred to as "use promotion information") (for example, xx times more points this week).

[0035] The management unit 102 derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data acquired by the acquisition unit 101. Specifically, the management unit 102 stores the derived fund balance in the memory unit 12.

[0036] Figure 4 is a diagram showing an example of first and second payment transaction data according to this embodiment. For example, as shown in Figure 4, the first and second payment transaction data may each include at least one of the date the payment transaction was executed (hereinafter referred to as the "payment transaction date"), the amount of the payment transaction (hereinafter referred to as the "payment transaction amount"), the source of acquisition, and information about the account of the user executing the payment transaction (hereinafter referred to as the "account information"). Note that in Figure 4, the payment transaction amount may be either the amount withdrawn from the user's account or the amount deposited to the account.

[0037] As shown in Fig. 4, the first payment transaction data is data related to payment transactions executed during a predetermined period, and is acquired from the business operator device 40 by the acquisition unit 101 for each predetermined period. In Fig. 4, the predetermined period is one month, and the first payment transaction data is data related to payment transactions executed during the previous month (February in this case) using the user's accounts U1, U2, and U3. The first payment transaction data for the predetermined period (e.g., for the previous month) may be acquired collectively from the business operator device 40 by the acquisition unit 101.

[0038] On the other hand, the second payment transaction data is data related to payment transactions executed after the predetermined period, and is obtained from the payment terminal 30 each time a payment transaction is executed. In FIG. 4, the predetermined period is one month, and the second payment transaction data is data related to payment transactions executed in the current month (here, March) using the user's accounts U1, U2, and U3. The second payment transaction data is obtained from the payment terminal 30 each time a payment transaction is executed (i.e., for each record).

[0039] The management unit 102 derives the user's fund balance for each account (account U1 and account U2) based on the first and second payment transaction data shown in Fig. 4. Specifically, each time first payment transaction data for a specific account is acquired for a predetermined period, the management unit 102 may update the fund balance of the specific account based on the first payment transaction data, and further, each time second payment transaction data for the specific account is acquired from the payment terminal 30, update the fund balance of the specific account based on the second payment transaction data.

[0040] 4, if the balance of account U1 is 4,000 yen when the first payment transaction data for February 2024 is acquired, when second payment transaction data related to a payment transaction executed on March 1, 2024 is acquired, the management unit 102 may update the balance of account U1 to 3,800 yen based on the payment transaction amount of "-200 yen." Also, when second payment transaction data related to a payment transaction executed on March 5, 2024 is acquired, the management unit 102 may update the balance of account U1 to 2,800 yen based on the payment transaction amount of "-1,000 yen."

[0041] The management unit 102 may derive the user's point balance for each account based on the point data acquired by the acquisition unit 101. The management unit 102 stores the derived point balance in the storage unit 12.

[0042] Fig. 5 is a diagram showing an example of point data according to this embodiment. For example, as shown in Fig. 5, the point data may include at least one of the date on which a user acquired or used points (hereinafter referred to as the "acquisition / use date"), the points acquired or used, the source of the point data, and account information related to the account associated with the points. Note that in Fig. 5, acquired points are represented by a "+ (plus)" and used points are represented by a "- (minus)."

[0043] 5 shows point data for a predetermined period (here, February) acquired by the acquisition unit 101. Each time point data for the predetermined period is acquired, the management unit 102 may update the point balance of the specific account (here, account U3) based on the point data. When point data for February 2024 is acquired, the management unit 102 may update the point balance based on the point data for February.

[0044] Although not shown, point data may also be obtained, similar to the first and second payment transaction data, by acquiring point data within a predetermined period (here, February) as first point data for each predetermined period, and acquiring or using point data for points acquired or used by the user's account after the predetermined period as second point data for each acquisition or use.

[0045] The output unit 103 outputs various information to the user terminal 20. Specifically, the output unit 103 may output list information including the fund balance managed by the management unit 102 and the first and second payment transaction data acquired by the acquisition unit 101. The list information may further include the point balance and point data.

[0046] FIG. 6 is a diagram showing an example of a list information output screen according to this embodiment. For example, in FIG. 6, it is assumed that a user has accounts U1 and U2 for payment transaction services and account U3 for points services. As shown in FIG. 6, the list information may include, for example, the fund balance and first and second payment transaction data of account U1, the fund balance and first and second payment transaction data of account U2, and the point balance and point data of account U3. The list information may be displayed, for example, on a display unit included in the input / output unit 14 of the user terminal 20.

[0047] The output unit 103 may output at least one of recommendation information and warning information to the user based on the fund balance managed by the management unit 102. Furthermore, the output unit 103 may output at least one of the recommendation information and the warning information based on the fund balance and the point balance managed by the management unit 102.

[0048] FIG. 7 is a diagram showing an example of an output screen for warning information and recommendation information according to this embodiment. For example, in FIG. 7, it is assumed that the user attempts to purchase a product for 300 yen when the remaining funds in the user's account U1 are 50 yen. As shown in FIG. 7, the output unit 103 may output warning information (for example, "The remaining funds in account U1 are 50 yen, so you cannot purchase that product with account U1.") warning against purchasing the product with account U1 because the remaining funds of account U1, "50 yen," managed by the management unit 102, are insufficient to cover the product price of "300 yen."

[0049] In addition, the output unit 103 may output recommendation information recommending the purchase of the product using the funds in account U2 or the points in account U3, since the balance of funds in account U2 of 500 yen and the point balance in account U3 of 800 yen, which are managed by the management unit 102, are sufficient to cover the product price of 300 yen (for example, "The balance of funds in account U2 is 500 yen, so you can purchase the product with account U2. The point balance in account U3 is 800 yen, so you can also purchase the product with points.").

[0050] The output unit 103 may output at least one of recommendation information and warning information based on the fund balance managed by the management unit 102 and the usage promotion information acquired by the acquisition unit 101.

[0051] FIG. 8 is a diagram showing another example of an output screen for warning information and recommendation information according to this embodiment. For example, in FIG. 8, it is assumed that the acquisition unit 101 has acquired usage promotion information indicating that more points will be earned than usual when making a payment transaction using account U2. For example, assume that the user in FIG. 8 has a fund balance of 100 yen in account U2 and the user attempts to purchase a product for 300 yen. As shown in FIG. 8, the output unit 103 may output warning information warning against purchasing the product using account U2 (e.g., "If you make a payment transaction using account U2, you will receive double points. However, since the fund balance of account U2 is 100 yen, you cannot purchase the product using account U2.") along with the usage promotion information, because the fund balance of account U2 managed by the management unit 102, "100 yen," is insufficient to cover the product price of "300 yen," the output unit 103 may output warning information warning against purchasing the product using account U2 (e.g., "If you make a payment transaction using account U2, you will receive double points. However, since the fund balance of account U2 is 100 yen, you cannot purchase the product using account U2.").

[0052] On the other hand, if the fund balance of account U2 managed by the management unit 102 is "500 yen," the fund balance of account U2 is sufficient to cover the product price of "300 yen," so the output unit 103 may output the above-mentioned usage promotion information and recommendation information recommending the purchase of the fund product from account U2 (for example, "You will earn double points if you make a payment transaction using account U2. The fund balance of account U2 is 500 yen, which is enough to purchase the product, so it is more economical to use account U2.").

[0053] (operation) Next, the operation of the information processing system 1 according to this embodiment will be described. Fig. 9 is a diagram showing an example of the operation of the information processing system 1 according to this embodiment. Note that Fig. 9 is merely an example, and the order of some steps may be changed, steps not shown may be added, or some steps may be omitted. Furthermore, the operation shown in Fig. 9 may be repeatedly executed at predetermined intervals.

[0054] In step S101, the management device 10 acquires from the business operator device 40 first payment transaction data relating to payment transactions executed using the user's account within a predetermined period.

[0055] In step S102, the management device 10 acquires from the business operator device 50 point data relating to points acquired or used within a predetermined period of time using the user's account.

[0056] In step S103, the payment terminal 30 determines whether a payment transaction has been executed using the account after the predetermined period of time.

[0057] If it is determined that a payment transaction using the account has been executed after the predetermined period of time (step S103; YES), in step S104, the payment terminal 30 transmits second payment transaction data regarding the payment transaction to the management device 10, and the management device 10 acquires the second payment transaction data. If it is determined that a payment transaction using the account has not been executed after the predetermined period of time (step S103; NO), this operation repeats step S103 until an amount of time equal to the predetermined period has elapsed since the end of the predetermined period of time.

[0058] In step S105, the management device 10 outputs at least one of list information (e.g., FIG. 6), recommendation information, and warning information (e.g., FIGS. 7 and 8). For example, the management device 10 may output at least one of the recommendation information and warning information when a payment transaction related to the second payment transaction data is executed between the user terminal 20 and the payment terminal 30. The management device 10 may also output the list information in response to a request from the user terminal 20. It goes without saying that the output of at least one of the list information, recommendation information, and warning information does not have to be performed in the same step.

[0059] In step S109, it is determined whether or not the next predetermined period following the predetermined period corresponding to the first payment transaction data acquired in step S101 has elapsed. Until the next predetermined period has elapsed (step S106; NO), this operation repeats steps S103 to S105.

[0060] As described above, in the information processing system 1 according to this embodiment, not only is first payment transaction data within a predetermined period acquired from the business operator device 40, but second payment transaction data of a payment transaction executed using the payment terminal 30 after the predetermined period is acquired from the payment terminal 30, the fund balance for each account is managed based on the first payment transaction data and the second payment transaction data, and at least one of list information, recommendation information, and warning information is output, thereby preventing users from spending too much money without realizing that a payment transaction executed after the predetermined period has occurred, and more appropriately supporting the user's fund management.

[0061] The above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, materials, conditions, shapes, sizes, etc., are not limited to those illustrated and can be modified as appropriate. Furthermore, configurations shown in different embodiments can be partially substituted or combined with each other. [Explanation of symbols]

[0062] 1...information processing system, 10...management device, 20...user terminal, 30...payment terminal, 40, 50...business operator device, 11...processor, 12...storage unit, 13...transmission / reception unit, 14...input / output unit, 101...acquisition unit, 102...management unit, 103...output unit

Claims

1. One or more computers, an acquisition unit that acquires first payment transaction data within a predetermined period regarding payment transactions executed using accounts provided by each business to a user, and acquires second payment transaction data regarding the executed payment transaction each time the payment transaction is executed after the predetermined period; a management unit that derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data; an output unit that outputs list information including the fund balance, the first payment transaction data, and the second payment transaction data; An information processing program comprising:

2. the output unit outputs at least one of recommendation information and warning information to the user based on the fund balance for each account. The information processing program according to claim 1.

3. the acquisition unit acquires point data relating to points earned and / or used using the account; The management unit derives and manages the user's point balance for each account based on the point data, The list information further includes the point balance and the point data.

3. The information processing program according to claim 2.

4. the output unit outputs at least one of the recommendation information and the warning information based on the fund balance and the point balance.

4. The information processing program according to claim 3.

5. The acquisition unit acquires use promotion information related to promotion of use of the points, the output unit outputs at least one of the recommendation information and the warning information based on the fund balance and the usage promotion information.

4. The information processing program according to claim 3.

6. One or more information processing devices, an acquisition unit that acquires first payment transaction data within a predetermined period regarding payment transactions executed using accounts provided by each business to a user, and acquires second payment transaction data regarding the executed payment transaction each time the payment transaction is executed after the predetermined period; a management unit that derives and manages the user's fund balance for each account based on the first payment transaction data and the second payment transaction data; an output unit that outputs list information including the fund balance, the first payment transaction data, and the second payment transaction data; An information processing system comprising:

7. One or more information processing devices, acquiring first payment transaction data within a predetermined period relating to payment transactions executed using accounts provided by each business to a user, and acquiring second payment transaction data relating to the executed payment transactions each time the payment transactions are executed after the predetermined period; deriving and managing the user's balance for each account based on the first payment transaction data and the second payment transaction data; outputting list information including the fund balance, the first payment transaction data, and the second payment transaction data; An information processing method comprising:

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