Information processing device, information processing program, and information processing method

Abstract

To efficiently obtain transaction information in an aggregation service.SOLUTION: An information processing unit includes: a transaction information acquisition unit 301 that obtains transaction information of a target user related to a plurality of target financial services; and a calculation unit 302 that calculates at least either expenditure or balance of the target user, based on the transaction information obtained by the transaction information acquisition unit 301. The frequency of obtaining the transaction information by the transaction information acquisition unit 301 differs depending on the type of each target financial service.SELECTED DRAWING: Figure 2

Description

[Technical Field]

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

[0002] Conventionally, when obtaining information on the balance or deposits and withdrawals of a bank account or virtual account using an API (Application Programming Interface) provided by a bank, a function has been known that changes the frequency of obtaining such information depending on the frequency of deposits, withdrawals, or settlements (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6831165 Summary of the Invention [Problem to be solved by the invention]

[0004] In recent years, financial services that provide payment services and the like (hereinafter simply referred to as "financial services") have become more diverse, and it is becoming increasingly common for a single user to use multiple financial services. This has led to a need for services that collectively provide transaction information from the multiple financial services used by a user (hereinafter referred to as "aggregation services"). Hereinafter, financial services targeted by aggregation services are also referred to as "target financial services." Aggregation services can be provided, for example, by obtaining transaction information using APIs published by businesses that provide each target financial service. However, from the perspective of communication load and costs, obtaining transaction information using APIs needs to be done efficiently. Until now, there has been a problem in that technology has not been provided to efficiently obtain transaction information in aggregation services. For example, the technology disclosed in Patent Document 1 does not provide an aggregation service, and does not solve the above-mentioned problems.

[0005] The present disclosure has been made to solve the above-mentioned problems, and aims to provide an information processing device that can efficiently acquire transaction information in an aggregation service. [Means for solving the problem]

[0006] The information processing device according to the present disclosure includes a transaction information acquisition unit that acquires transaction information of a target user regarding a plurality of target financial services, and a calculation unit that calculates at least one of the target user's expenditures or balance based on the transaction information acquired by the transaction information acquisition unit, and is characterized in that the frequency of acquisition of transaction information by the transaction information acquisition unit differs depending on the type of target financial service. [Effects of the Invention]

[0007] According to the present disclosure, the above-described configuration makes it possible to change the transaction frequency of transaction information depending on the type of target financial service, thereby enabling efficient and effective acquisition of transaction information in aggregation services. [Brief explanation of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of a configuration of an information processing system according to a first embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the configuration of a server according to the first embodiment. [Figure 3] FIG. 2 is a diagram illustrating an example of the configuration of a client terminal according to the first embodiment. [Figure 4] 2 is a diagram illustrating an example of the hardware configuration of a server and a client terminal according to the first embodiment. FIG. [Figure 5] 6 is a flowchart showing an example of the operation of the server according to the first embodiment. [Figure 6]FIG. 2 is a diagram illustrating the linkage of financial services to personal accounts in the information processing system according to the first embodiment. [Figure 7] FIG. 4 is a diagram showing an example of an individual account screen displayed on a client terminal according to the first embodiment. [Figure 8] FIG. 10 is a diagram illustrating an example of a configuration of an information processing system according to a second embodiment. [Figure 9] FIG. 10 is a diagram illustrating an example of the configuration of a server according to the second embodiment. [Figure 10] FIG. 10 is a diagram illustrating an example of the configuration of a client terminal according to the second embodiment. [Figure 11] FIG. 10 is a diagram illustrating the linkage of financial services to a joint account in an information processing system according to a second embodiment. [Figure 12] FIG. 11 is a diagram illustrating an example of the configuration of a server according to the third embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, embodiments will be described in detail with reference to the drawings. Embodiment 1 FIG. 1 is a diagram showing an example of the configuration of an information processing system 1 according to the first embodiment. In an information processing system 1, as shown in FIG. 1, a server 3 (information processing device), a client terminal 2 used by a target user, and a store terminal 4 are connected via a network NW. An existing telecommunications line can be used as the network NW. The network NW is, for example, the Internet. Note that "target" means a target from which transaction information is to be obtained. In the example of FIG. 1, an external server 5 is additionally connected to the network NW. In the example of FIG. 1, the client terminal 2 is a client terminal 2A1 used by a target user A1.

[0010] Although only one client terminal 2 is shown in FIG. 1, a plurality of client terminals 2 can be connected to the network NW. Although only one store terminal 4 is shown in FIG. 1, a plurality of store terminals 4 can be connected to the network NW.

[0011] The server 3 provides an aggregation service to the target user. The business providing the aggregation service using the server 3 may be the same business as the business providing the target financial service. In the following, a business that provides aggregation services using server 3 (hereinafter referred to as "aggregation service provider") is also considered to be one of the businesses that provide payment services that enable payment transactions using payment cards or code payment. Examples of payment cards include any card that can be used to pay for items, such as prepaid cards or credit cards. Examples of code payment include displaying a barcode or two-dimensional barcode on the screen of a smartphone or the like.

[0012] In the example of FIG. 1, the target user purchases a product or receives a service at a store equipped with a store terminal 4. When the target user pays for the product with a payment card, the store terminal 4 transmits transaction information to the server 3 or the external server 5. The transaction information includes, for example, the store name, the product name, the service name, the transaction date and time, the transaction amount, and the identification information of the payment card. The transaction information acquired from the store terminal 4 is stored in the memory unit 33 of the server 3 or the memory unit of the external server 5. In addition, the transaction information stored in the memory unit 33 of the server 3 or the memory unit of the external server 5 includes information such as the transaction date and time and transaction amount when a deposit or withdrawal transaction is made in the payment service, or the transaction date and time and transaction amount when an account transaction or bank settlement is made in the banking service, as described below. The transaction information also includes information on the balances of various accounts in payment services or account balances in banking services.

[0013] The external server 5 is a server for providing an external service different from the aggregation service using the server 3. The external service is a target financial service provided by a business other than the aggregation service provider. For example, the external service may be a banking service provided by a bank or a payment service provided by a business other than a bank, as described below, and the external server 5 may be a server used in the banking service provided by a bank or a server used in the payment service provided by a business other than a bank. When the transaction information is sent to the external server 5, the server 3 can acquire the transaction information from the external server 5 by linking with the external server 5 via API. The transaction information acquired from the external server 5 is stored in the memory unit 33 of the server 3 (see FIG. 2).

[0014] The server 3 includes a communication unit 31, a calculation unit 32, and a storage unit 33, as shown in FIG. The server 3 may be physically configured from one terminal or from multiple terminals.

[0015] The communication unit 31 communicates with the client terminal 2, the store terminal 4, or the external server 5 via the network NW.

[0016] The calculation unit 32 controls the overall operation of the server 3. The calculation unit 32 executes information processing device applications to realize various functions.

[0017] The storage unit 33 stores information processing device applications and stores data used for the arithmetic processing of the arithmetic unit 32. In addition, when the server 3 executes a client terminal application to provide various functions to the client terminal 2 via the network NW, the client terminal application is also stored in the storage unit 33. The storage unit 33 may be provided outside the server 3 as long as it is accessible from the server 3 .

[0018] 2, the calculation unit 32 includes a transaction information acquisition unit 301, a calculation unit 302, a display information output unit 303, and an association information acquisition unit 304. When the calculation unit 32 executes, for example, an information processing device application, the functions of the transaction information acquisition unit 301, the calculation unit 302, the display information output unit 303, and the association information acquisition unit 304 are realized.

[0019] The transaction information acquisition unit 301 acquires transaction information of a target user regarding a plurality of target financial services. As described above, if the aggregation service provider is one of the providers that provides a payment service that enables payment transactions using a payment card or code payment, the transaction information acquisition unit 301 acquires transaction information from the store terminal 4, for example, each time the target user conducts a payment transaction using the payment card or a code such as a two-dimensional barcode. Also, if the payment card is a so-called rechargeable prepaid card, transaction information indicating the recharge can be acquired each time the target user's prepaid card is recharged. Also, in the case of code payment, transaction information indicating a deposit / withdrawal transaction can be acquired each time the target user recharges their code payment account or withdraws money for sending money to another person, etc. Furthermore, the transaction information acquisition unit 301 can acquire transaction information of the target user in the target financial services provided by other businesses at a timing to be described later by performing API cooperation with the external server 5.

[0020] The frequency with which the transaction information acquisition unit 301 acquires transaction information varies depending on the type of financial service in question.

[0021] Examples of types of target financial services include banking services provided by banks and payment services provided by businesses other than banks. Transaction information related to payment services is information indicating payment transactions and information indicating deposit and withdrawal transactions, while transaction information related to banking services is information indicating account transactions. Payment transactions in payment services include, for example, payment transactions using prepaid cards or credit cards, or payment transactions using code payments. Account transactions include all transactions related to deposits and withdrawals from bank accounts, such as bank payment transactions and deposit and withdrawal transactions.

[0022] For example, each of the multiple target financial services may be assigned a unique ID (hereinafter referred to as a "target financial service ID"), and each type of target financial service may be assigned an ID (hereinafter referred to as a "type ID") that allows the type to be distinguished, and the name, type ID, and target financial service ID indicating each of the multiple target financial services may be stored in association with each other in the memory unit 33 of the server 3. Furthermore, information indicating the acquisition frequency for each type may be linked to the above-mentioned type-specific ID and stored in storage unit 33, or may be linked to the target financial service ID and stored in storage unit 33. The acquisition frequency for each type of target financial service is set in advance by, for example, an aggregation service provider, and information indicating the acquisition frequency is stored in storage unit 33. Here, when a target user registers to use an aggregation service, each target user is assigned a unique ID (hereinafter referred to as a "user ID"), and the user ID can be stored in memory unit 33 in association with the target financial service ID of each of multiple target financial services that the target user indicated by the user ID has specified as being the target of the aggregation service. Hereinafter, by storing the various types of information as described above in the memory unit 33, the transaction information acquisition unit 301 can identify the acquisition frequency at which transaction information should be acquired for each type of target financial service, and can identify, for each target user, the target financial service that the target user has targeted in the aggregation service.

[0023] Furthermore, when the target financial services are banking services and payment services, the transaction information acquisition unit 301 acquires transaction information more frequently for payment services than for banking services.

[0024] If the payment service is a specific payment service, the transaction information acquisition unit 301 may acquire transaction information (information indicating the payment transaction) when the payment transaction is executed. Furthermore, when the payment service is a payment service other than the specific payment service, the transaction information acquisition unit 301 may acquire transaction information less frequently than when the payment service is the specific payment service. The business providing the specific payment service may be an aggregation service provider. If the specific payment service is a service provided by the aggregation service provider itself, the transaction information acquired from the store terminal 4 is stored in the storage unit 33 of the server 3. Therefore, the transaction information acquisition unit 301 can acquire transaction information every time a payment transaction is executed, and can acquire transaction information relatively frequently. In contrast, in the above case, payment services other than the specific payment service are provided by businesses other than the aggregation service provider, and transaction information from these payment services is managed by external server 5. From the perspective of communication load or cost when using an API, transaction information acquisition unit 301 does not acquire transaction information every time a payment transaction is executed, but acquires transaction information from external server 5 at a relatively low frequency. The acquisition frequency for each payment service is set in advance by, for example, an aggregation service provider, and information indicating the acquisition frequency is stored in storage unit 33 in association with the target financial service ID. By storing the various types of information described above in memory unit 33, transaction information acquisition unit 301 can identify the acquisition frequency at which transaction information should be acquired depending on whether the payment service provided by the target financial service is a specific payment service or another payment service. Then, transaction information acquisition unit 301 acquires transaction information for each payment service depending on the transaction frequency acquired from memory unit 33.

[0025] Furthermore, the transaction information acquisition unit 301 may treat the above-mentioned specific service as a payment service designated by the client terminal 2 used by the target user. That is, which payment service among the payment services provided by the plurality of target financial services is designated as the specific payment service and which payment service is designated as the other payment service may be designated, for example, by the target user, and information indicating whether or not a payment service is a specific payment service may be stored in the storage unit 33 in association with each target financial service ID. When the target user operates operation unit 23 (described later) and acquires operation information from operation unit 23 for designating a specific payment service and other services, client terminal 2 generates information indicating the content of the designation (hereinafter referred to as "specific payment service designation information") and transmits the generated specific payment service designation information to server 3. The specific payment service designation information may include the user ID of the target user who operated client terminal 2, the target financial service ID described above, and information indicating whether a payment service provided by the target financial service indicated by each target financial service ID has been designated as a specific payment service. When server 3 acquires the specific payment service designation information from client terminal 2, it stores the acquired specific payment service designation information in memory unit 33. By storing the various types of information described above in memory unit 33, transaction information acquisition unit 301 can identify, for each target user, the acquisition frequency at which transaction information should be acquired depending on whether the payment service provided by the target financial service is a specific payment service designated by the target user or another payment service. Then, transaction information acquisition unit 301 acquires transaction information for each payment service depending on the transaction frequency acquired from memory unit 33.

[0026] Furthermore, the transaction information acquisition unit 301 may acquire transaction information related to target financial services with different acquisition frequencies on a specific day. The specific day may be, for example, a day on which transaction information is acquired for a target financial service with a low acquisition frequency among the target financial services with different acquisition frequencies. For example, if the target financial services are a payment service and a banking service, the transaction information acquisition unit 301 may also acquire transaction information related to the payment service on the day when it acquires transaction information related to the banking service.

[0027] Furthermore, the transaction information acquisition unit 301 may acquire transaction information related to target financial services with different acquisition frequencies at a specific timing on the specific day. The specific timing may be, for example, the timing at which transaction information is acquired for a target financial service with a low acquisition frequency among the target financial services with different acquisition frequencies. For example, if the target financial services are payment services and banking services, and transaction information regarding the banking services is acquired first thing in the morning on a specific day, the transaction information acquisition unit 301 may also acquire transaction information regarding the payment services first thing in the morning on the day on which transaction information regarding the banking services is acquired. A specific day or a specific timing on a specific day (for example, a specific time such as "first thing in the morning") is set in advance by the aggregation service provider, and information indicating the timing for acquiring such transaction information is stored in memory unit 33 in association with the target financial service ID. By storing the various types of information described above in the memory unit 33, the transaction information acquisition unit 301 determines whether or not to acquire transaction information depending on whether the current date is a specific day or whether the current time is a specific timing on a specific day, and if it is determined that the transaction information should be acquired, it acquires the transaction information.

[0028] When the transaction information acquisition unit 301 acquires the transaction information of the target user regarding multiple target financial services, it links the acquired transaction information to the user ID of the target user and stores it in the memory unit 33, or in addition, outputs it to the calculation unit 302.

[0029] The calculation unit 302 calculates at least one of the target user's expenditures or balance based on the transaction information acquired by the transaction information acquisition unit 301. That is, the calculation unit 302 has any of the functions of calculating the target user's expenditures from the transaction information, calculating the target user's balance from the transaction information, or calculating the target user's expenditures and balance from the transaction information. The expenditures or balance are expenditures or balances based on the transaction information of all of the target financial services linked to the target user's account.

[0030] If the calculation unit 302 has a function of calculating expenditures, it can calculate the expenditures of the target user for any period based on the transaction information of the target user. For example, the calculation unit 302 can calculate the expenditures within one month from the current time. The period for which the calculation unit 302 calculates expenses may be set in advance by the aggregation service provider, and information indicating the period (hereinafter referred to as "period information") may be stored in the storage unit 33. Alternatively, the period for which the calculation unit 302 calculates expenses may be specified by the target user. When the target user operates the operation unit 23, the client terminal 2 acquires operation information for specifying the period for which expenses are to be calculated from the operation unit 23, and generates period information indicating the specified period, and transmits the generated period information to the server 3. The period information may include the user ID of the target user who operated the client terminal 2. When the server 3 acquires the period information from the client terminal 2, it stores the acquired period information in the storage unit 33. In this case, when calculating expenses, the calculation unit 302 can acquire period information from the storage unit 33 according to the user ID of the target user for whom calculation is to be performed. When the transaction information acquisition unit 301 acquires transaction information, the calculation unit 302 identifies transactions to be used to calculate expenditures based on the transaction dates and times included in the target user's transaction information for multiple target financial services acquired by the transaction information acquisition unit 301 and the period information stored in the memory unit 33, identifies transactions among the identified transactions whose transaction amounts in the transaction information indicate expenditures, and calculates expenditures by totaling the expenditure amounts.

[0031] Furthermore, if the calculation unit 302 has a function of calculating a balance, it can calculate the balance of the target user at any time based on the transaction information of the target user. For example, the calculation unit 302 can calculate the balance at the current time. The calculation unit 302 calculates the balance by adding up the balances included in the transaction information of the target user relating to the multiple target financial services acquired by the transaction information acquisition unit 301.

[0032] The display information output unit 303 outputs the display information in response to a request for display information for the personal account screen from the client terminal 2 used by the target user. When the target user operates the operation unit 23, and the client terminal 2 acquires operation information from the operation unit 23 to request acquisition of display information for the personal account screen, the client terminal 2 generates an acquisition request and transmits the generated acquisition request to the server 3. When the display information output unit 303 of the server 3 acquires the acquisition request from the client terminal 2, it outputs the display information to the communication unit 31 to transmit to the client terminal 2. When the communication unit 31 acquires the display information from the display information output unit 303, it transmits the display information to the client terminal 2. At this time, the display information output unit 303 outputs display information that can display information related to the transaction information acquired by the transaction information acquisition unit 301. For example, the display information output unit 303 generates, as display information, information that can display at least one of the target user's transaction information related to the target financial service, expenditures calculated using the transaction information, or balances calculated using the transaction information. This display information may be information that shows the personal account screen itself, or may be information that enables the personal account screen to be generated.

[0033] The linking information acquisition unit 304 acquires personal account linking information used by the server 3 from the client terminal 2. The personal account linking information is information indicating the target financial service linked to the target user's personal account. In this case, the target user's personal account is the target user's personal account in the payment service provided by the aggregation service provider. As described above, when a target user registers to use an aggregation service, a user ID is assigned to each target user, and the user ID and the target financial service ID of each of multiple target financial services designated by the target user indicated by the user ID as targets of the aggregation service may be stored in association with each other in storage unit 33. In other words, in this case, the information indicating the target financial services linked to the target user's personal account is the user ID, the target financial service ID indicating the payment service provided by the aggregation service provider, and the target financial service ID indicating the target financial service that provides a payment service other than the payment service specified by the target user, all of which are stored in association with each other in storage unit 33.

[0034] The client terminal 2 is a terminal that can communicate with the server 3 via the network NW and is used by a user. Examples of the client terminal 2 include a smartphone, a tablet terminal, or a PC (Personal Computer).

[0035] The client terminal 2 includes a communication unit 21, a calculation unit 22, an operation unit 23, a display unit 24, and a storage unit 25, as shown in FIG.

[0036] The communication unit 21 communicates with the server 3 via the network NW.

[0037] The calculation unit 22 controls the overall operation of the client terminal 2. For example, if a client terminal application is installed in the client terminal 2, the calculation unit 22 executes the client terminal application to realize various functions. Furthermore, for example, if the client terminal application is executed on the server 3, the calculation unit 22 receives instructions from the server 3 to realize various functions.

[0038] The operation unit 23 is an input device that accepts operations on a screen displayed on the display unit 24 of the client terminal 2. For example, if the client terminal 2 is a smartphone or a tablet terminal, the operation unit 23 is a touch panel that is integrated with the display unit 24. Furthermore, if the client terminal 2 is a PC, the operation unit 23 is, for example, a mouse or a keyboard.

[0039] The display unit 24 is a display device included in the client terminal 2. The display unit 24 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence) display device.

[0040] The storage unit 25 stores client terminal applications and data used in the calculation processing of the calculation unit 22. The storage unit 25 may be provided outside the client terminal 2 as long as it is accessible from the client terminal 2.

[0041] 3, the calculation unit 22 includes an operation information acquisition unit 201, a linkage information output unit 202, a display information acquisition unit 203, and a display control unit 204. When the calculation unit 22 executes, for example, a client terminal application, the functions of the operation information acquisition unit 201, the linkage information output unit 202, the display information acquisition unit 203, and the display control unit 204 are realized.

[0042] The operation information acquisition unit 201 acquires operation information. The operation information acquired by the operation information acquisition unit 201 is information indicating an operation accepted by the operation unit 23.

[0043] The linking information output unit 202 outputs personal account linking information to the server 3 based on the operation information acquired by the operation information acquisition unit 201. When the target user operates the operation unit 23 and the client terminal 2 acquires operation information for designating multiple target financial services from the operation unit 23, the client terminal 2 generates information indicating the content of the designation (hereinafter referred to as "target financial service designation information") and transmits the generated target financial service designation information to the server 3. The target financial service designation information may include the user ID of the target user who operated the client terminal 2 and the target financial service ID of the designated target financial service. When the server 3 acquires the target financial service designation information from the client terminal 2, the server 3 stores the acquired target financial service designation information in the storage unit 33 in association with the user ID of the target user.

[0044] The display information acquisition unit 203 makes a request to the server 3 to acquire display information for the personal account screen based on the operation information acquired by the operation information acquisition unit 201, and acquires the display information from the server 3. When the target user operates the operation unit 23 and acquires operation information for requesting acquisition of display information for the personal account screen from the operation unit 23, the client terminal 2 generates an acquisition request and sends the generated acquisition request to the server 3. When the display information output unit 303 of the server 3 acquires an acquisition request from the client terminal 2, it transmits the display information to the client terminal 2 via the communication unit 31. When the display information acquisition unit 203 of the client terminal 2 acquires the display information, it outputs the acquired display information to the display control unit 204.

[0045] The display control unit 204 displays an individual account screen on the display unit 24 based on the operation information acquired by the operation information acquisition unit 201 and the display information acquired by the display information acquisition unit 203. If the display information is information that indicates the individual account screen itself, the display control unit 204 displays the individual account screen indicated by this information on the display unit 24. If the display information is information that enables the generation of an individual account screen, the display control unit 204 generates an individual account screen from this information and displays the generated individual account screen on the display unit 24. The personal account screen displayed by the display control unit 204 displays, for example, at least one of the following information: transaction information of the target user regarding the target financial service, expenditures calculated using that transaction information, or balance calculated using that transaction information. This display by the display control unit 204 may be performed via a client terminal application downloaded to the client terminal 2, or via a web application accessible from the client terminal 2 via a web browser.

[0046] FIG. 4 is a block diagram showing an example of a hardware configuration for realizing the server 3 or the client terminal 2. As shown in FIG.

[0047] For example, the functions of server 3 are realized by calculation unit 32. The calculation unit 32 has, as its hardware configuration, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. The functions of transaction information acquisition unit 301, calculation unit 302, display information output unit 303, and linkage information acquisition unit 304 provided in calculation unit 32 are realized by these hardware configurations.

[0048] The communication interface 100 outputs data received from the client terminal 2 via the network NW by the communication unit 31 to the processor 102, and transmits data generated by the processor 102 to the client terminal 2 via the network NW. The processor 102 controls reading and writing of data from and to the storage unit 33 via the input / output interface 101.

[0049] An information processing program (information processing device application) for realizing each function of the transaction information acquisition unit 301, the calculation unit 302, the display information output unit 303, and the linked information acquisition unit 304 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory provided in a computer functioning as the server 3. The processor 102 executes the program loaded from the storage unit 33 to the memory 103 via the input / output interface 101. In this way, the processor 102 realizes each function of the transaction information acquisition unit 301, the calculation unit 302, the display information output unit 303, and the linked information acquisition unit 304.

[0050] The functions of the client terminal 2 are realized by a calculation unit 22. The calculation unit 22 has, as its hardware configuration, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. The functions of the operation information acquisition unit 201, the linkage information output unit 202, the display information acquisition unit 203, and the display control unit 204 included in the calculation unit 22 are realized by these hardware configurations.

[0051] The communication interface 100 outputs data received from the server 3 via the network NW to the processor 102 by the communication unit 21, and transmits data generated by the processor 102 to the server 3 via the network NW. The processor 102 controls the display of the display unit 24 and acquires operation information from the operation unit 23 via the input / output interface 101.

[0052] When a client terminal application is installed in the client terminal 2, a client terminal program (client terminal application) for realizing the functions of the operation information acquisition unit 201, the association information output unit 202, the display information acquisition unit 203, and the display control unit 204 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory mounted on a tablet terminal that functions as the client terminal 2.

[0053] When the client terminal application is installed in the client terminal 2, the processor 102 executes a program loaded into the memory 103 via the input / output interface 101. As a result, the processor 102 realizes the functions of an operation information acquisition unit 201, a linkage information output unit 202, a display information acquisition unit 203, and a display control unit 204.

[0054] Next, an example of the operation of the server 3 according to the first embodiment shown in FIG. 2 will be described with reference to FIG. It is assumed that the link information acquisition unit 304 acquires, from the client terminal 2, personal account link information indicating the target financial service linked to the target user's personal account, and stores the information in the storage unit 33 in advance. Figure 6 is a diagram illustrating the linkage of financial services to a target user's personal account. The example in Figure 6 shows a case where an aggregation service provider is one of the providers providing payment services. In the example in Figure 6, two target financial services b1 and b2 are linked to a personal account a1 of a target user of this payment service.

[0055] In the operation example of server 3 according to embodiment 1 shown in Fig. 2, first, as shown in Fig. 5, transaction information acquisition unit 301 acquires transaction information of the target user regarding multiple target financial services (step ST101). The frequency with which transaction information acquisition unit 301 acquires transaction information varies depending on the type of target financial service. For example, if the target financial services are payment services and banking services, transaction information acquisition unit 301 acquires transaction information more frequently for payment services than for banking services.

[0056] If the payment service is a specific payment service, the transaction information acquisition unit 301 may acquire transaction information (information indicating the payment transaction) when the payment transaction is executed. Furthermore, when the payment service is a payment service other than the specific payment service, the transaction information acquisition unit 301 may acquire transaction information less frequently than when the payment service is the specific payment service.

[0057] Furthermore, the transaction information acquisition unit 301 may acquire transaction information relating to target financial services with different acquisition frequencies on a specific day. Furthermore, the transaction information acquisition unit 301 may acquire all transaction information related to target financial services with different acquisition frequencies at a specific timing on the specific day.

[0058] Next, the calculation unit 302 calculates at least one of the expenditure or the balance of the target user based on the transaction information acquired by the transaction information acquisition unit 301 (step ST102). If the calculation unit 302 has a function of calculating expenditures, it can calculate the expenditures of the target user for any period based on the transaction information of the target user. Furthermore, if the calculation unit 302 has a function for calculating a balance, it can calculate the balance of the target user at any point in time based on the transaction information of the target user.

[0059] Next, the display information output unit 303 outputs the display information in response to a request for display information for the personal account screen from the client terminal 2 used by the target user (step ST103). At this time, the display information output unit 303 outputs display information that can display information related to the transaction information acquired by the transaction information acquisition unit 301. For example, the display information output unit 303 generates, as display information, information that can display at least one of the target user's transaction information related to the target financial service, expenditures calculated using the transaction information, or balances calculated using the transaction information. This display information may be information that shows the personal account screen itself, or may be information that enables the personal account screen to be generated.

[0060] Fig. 7 is a diagram showing an example of a personal account screen. In the example of the personal account screen shown in Fig. 7, information indicating the expenditures of the target user for the target period calculated by the calculation unit 302 is displayed. In this example, the target period is shown to be "January 1st to 16th, 2024," and the budget for combined expenditures on multiple target financial services in January 2024 is 180,000, while as of January 16th, the total expenditures on multiple target financial services is 82,000 yen, and the remaining amount up to the budget is 98,000 yen.

[0061] When using an API to obtain transaction information, the cost of obtaining information indicating bank account transactions is generally higher than the cost of obtaining information indicating payment transactions. Furthermore, the frequency of payment transactions is generally higher than the frequency of account transactions. Therefore, it is considered desirable to obtain information indicating payment transactions more frequently than information indicating account transactions. Therefore, in the information processing device according to the first embodiment, the frequency with which transaction information is acquired by transaction information acquisition unit 301 is changed depending on the type of target financial service. For example, if the target financial services are payment services and banking services, the transaction information acquisition unit 301 acquires transaction information more frequently for payment services than for banking services. As a result, the information processing device according to the first embodiment can acquire transaction information related to the target financial service at an acquisition frequency suited to the type of the target financial service.

[0062] For example, if the target financial service is a payment service, the transaction information acquisition unit 301 may acquire transaction information at a specific timing (for example, first thing in the morning) every day. Furthermore, for example, if the target financial service is a banking service, the transaction information acquisition unit 301 may acquire transaction information at a specific timing every week (for example, first thing on Monday morning) and at a timing when a specific event occurs (for example, payday, card withdrawal day, or rent withdrawal day). Note that the server 3 may set the timing when the specific event occurs based on a specification made by the client terminal 2 used by the target user, or may automatically estimate and set it from past transaction information.

[0063] Furthermore, with regard to the timing of acquiring transaction information, the transaction information acquisition unit 301 may acquire transaction information for a specific payment service each time a payment transaction is executed, and may acquire transaction information less frequently for payment services other than the specific payment service. For example, if the specific payment service is a service provided by the company itself, there is no need to consider the cost of acquiring information indicating a payment transaction. Therefore, for such a payment service, by acquiring transaction information each time a payment transaction is executed, it is possible to grasp the latest transaction information in real time. In addition, by setting a payment service among the target financial services for which transaction information is particularly desired as the specific payment service, it becomes possible to obtain transaction information for that payment service each time a payment transaction is executed, making it possible to obtain the latest transaction information in real time.

[0064] In addition, if the frequency of acquiring transaction information varies, some information may be up-to-date at a given time, while others may not. This can make it difficult to properly manage accounts. Therefore, in the transaction information acquisition unit 301 in embodiment 1, even if the frequency of acquisition of transaction information related to the target financial service varies, it is possible to update all transaction information on a specific day or at a specific time on a specific day. For example, if the target financial services are banking services and payment services, and transaction information related to banking services is acquired on the day a specific event occurs, the transaction information acquisition unit 301 may acquire not only transaction information related to banking services but also transaction information related to other payment services on the day the specific event occurs. As a result, in the information processing device of embodiment 1, although the acquisition frequency varies, at a certain point in time, transaction information regarding all target financial services is made the latest information, and it becomes possible to regularly obtain the latest transaction information for all target financial services.

[0065] As described above, according to this embodiment 1, the information processing device includes a transaction information acquisition unit 301 that acquires transaction information of the target user regarding multiple target financial services, and a calculation unit 302 that calculates at least one of the target user's expenditures or balance based on the transaction information acquired by the transaction information acquisition unit 301, and the frequency of acquisition of transaction information by the transaction information acquisition unit 301 varies depending on the type of target financial service. As a result, the information processing device according to the first embodiment can change the frequency of acquiring transaction information depending on the type of target financial service, and therefore, the information processing device according to the first embodiment can efficiently and effectively acquire transaction information in the aggregation service.

[0066] Furthermore, according to this embodiment 1, the target financial services are banking services provided by banks and payment services provided by businesses other than banks, and the transaction information acquisition unit 301 acquires transaction information more frequently for payment services than for banking services. Furthermore, according to the first embodiment, transaction information relating to payment services is information indicating payment transactions and information indicating deposit / withdrawal transactions, and transaction information relating to banking services is information indicating account transactions. As a result, the information processing device according to the first embodiment can reduce the frequency of acquiring transaction information related to banking services, which have a high acquisition cost and are traded infrequently, compared to the frequency of acquiring transaction information related to payment services.

[0067] Furthermore, according to this embodiment 1, if the payment service is a specific payment service, the transaction information acquisition unit 301 acquires transaction information when a payment transaction is executed, and if the payment service is a payment service other than the specific payment service, it acquires transaction information less frequently than when the payment service is the specific payment service. As a result, the information processing device according to the first embodiment can obtain the latest transaction information in real time for payment services, such as the financial services provided by the company or payment services for which the transaction information is particularly desired to be obtained, among the target financial services.

[0068] Furthermore, according to the first embodiment, the transaction information acquisition unit 301 acquires all transaction information related to target financial services with different acquisition frequencies on a specific day. Furthermore, according to the first embodiment, the transaction information acquisition unit 301 acquires all transaction information related to target financial services with different acquisition frequencies at a specific timing. As a result, the information processing device of embodiment 1 can periodically obtain the latest transaction information for each target financial service by acquiring transaction information on a specific day or at a specific time on a specific day for target financial services that have different frequencies for acquiring transaction information.

[0069] Furthermore, according to the first embodiment, the information processing program causes the computer to function as an information processing device. As a result, the information processing program according to the first embodiment makes it possible to change the frequency of acquiring transaction information depending on the type of target financial service, and therefore, the information processing program according to the first embodiment makes it possible to efficiently and effectively acquire transaction information in the aggregation service.

[0070] Furthermore, according to this embodiment 1, the information processing method includes a step in which the transaction information acquisition unit 301 acquires transaction information of the target user regarding multiple target financial services, and a step in which the calculation unit 302 calculates at least one of the target user's expenditures or balance based on the transaction information acquired by the transaction information acquisition unit 301, and the frequency of acquisition of transaction information by the transaction information acquisition unit 301 varies depending on the type of target financial service. As a result, the information processing method according to the first embodiment makes it possible to change the frequency of acquiring transaction information depending on the type of target financial service, and therefore, the information processing method according to the first embodiment makes it possible to efficiently and effectively acquire transaction information in the aggregation service.

[0071] Embodiment 2 In the first embodiment, the acquisition of transaction information related to target financial services linked to a personal account was described. In contrast, in the second embodiment, the acquisition of transaction information related to target financial services linked to a joint account will be described.

[0072] Fig. 8 is a configuration example of an information processing system 1 according to embodiment 2. In the information processing system 1 according to embodiment 2 shown in Fig. 8, the client terminal 2 in the information processing system 1 according to embodiment 1 shown in Fig. 1 is changed to a plurality of client terminals 2. 9 is a configuration example of the server 3 according to the embodiment 2. In the server 3 according to the embodiment 2 shown in this Fig. 9, the display information output unit 303 and the linkage information acquisition unit 304 of the server 3 according to the embodiment 1 shown in Fig. 2 are changed to a display information output unit 303b and a linkage information acquisition unit 304b. 10 is a configuration example of a client terminal 2 according to embodiment 2. In the client terminal 2 according to embodiment 2 shown in Fig. 10, the association information output unit 202, the display information acquisition unit 203, and the display control unit 204 of the client terminal 2 according to embodiment 1 shown in Fig. 3 are changed to an association information output unit 202b, a display information acquisition unit 203b, and a display control unit 204b. Other configuration examples of the information processing system 1, server 3, and client terminal 2 according to embodiment 2 are the same as the configuration examples of the information processing system 1, server 3, and client terminal 2 according to embodiment 1, and the same symbols will be used and only the different parts will be explained.

[0073] In the second embodiment, the target users are multiple target users linked to a joint account. A joint account is an account shared by multiple people and reflects each person's spending. Examples of multiple target users linked to a joint account include, for example, a married couple, a couple, or business partners, but may also include people with other relationships. Also in the second embodiment, as in the first embodiment, the aggregation service provider is one of the businesses that provides a payment service that enables payment transactions using a payment card or code payment, and in particular in this second embodiment, the payment service may provide not only individual accounts but also the above-mentioned joint accounts. A joint account is opened, for example, with the consent of multiple target users who share one joint account. 8, target users A1 and A2 are shown as target users. Both target users A1 and A2 are target users linked to a joint account. In the example of FIG. 8, the client terminals 2 are a client terminal 2A1 used by a target user A1 and a client terminal 2A2 used by a target user A2.

[0074] The linking information acquisition unit 304b acquires joint account linking information used by the server 3 from the client terminal 2. The joint account linking information is information indicating the target financial services that are linked to the joint account. Here, the target financial services that are linked to the joint account are also referred to as linked financial services. As described above in the first embodiment, when a target user registers to use an aggregation service, a user ID is assigned to each target user. If target user A1 and target user A2 share a joint account, for example, a user ID is assigned to each target user A1 and A2. The storage unit 33 may store, in association with each other, the user IDs of both target users A1 and A2 and the target financial service IDs of multiple target financial services that either of the target users A1 and A2 has designated as targets for the aggregation service, including the joint account. In other words, in this case, the information indicating the target financial services linked to the joint account of target user A1 and target user A2 is the user IDs of both target users A1 and A2, the target financial service ID indicating the payment service (joint account) provided by the aggregation service provider, and the target financial service ID indicating the target financial service that provides the payment service specified by both target users A1 and A2, all of which are stored in association with each other in the storage unit 33.

[0075] Furthermore, the link information acquisition unit 304b may acquire, as link information, information indicating the transaction information to be shared in addition to the linked financial service. Here, the transaction information to be shared is also referred to as shared transaction information. In this case, each of the target users A1 and A2 may confirm the contents of the transaction information and then select whether or not to share the transaction information. When each of the target users A1 and A2 selects the transaction information to be shared, for example, each of the target users A1 and A2 can display the transaction information of payments using the payment service of each target financial service acquired by the transaction information acquisition unit 301 on the display unit 24 of the client terminal 2A1 and 2A2 they use, and select which transaction information to share. Here, the transaction information includes a corresponding user ID depending on whether the transaction was made by the target user A1 or A2. The client terminal 2A1 and 2A2 transmit information indicating the selected transaction information to the server 3, and the server 3 stores the information in the storage unit 33, linking it to the user IDs of both target users A1 and A2 and the target financial service ID indicating the payment service (joint account) provided by the aggregation service provider. Such conditions for which transaction information is shared between both target users A1 and A2 may be set in advance by either target user A1 or A2, linked to the user IDs of both target users A1 and A2, and stored in the storage unit 33. As described above, the conditions may be specified, for example, by target user A1 operating the client terminal 2A1 or by target user A2 operating the client terminal 2A2.

[0076] Furthermore, the link information acquisition unit 304b may acquire, as link information, information indicating a category of transaction information to be shared in addition to the linked financial service. Here, the category of transaction information to be shared is also referred to as a shared category. The conditions for which transaction information is shared between the two target users A1 and A2 can be set by specifying the category of the transaction information to be shared. For example, the category can be the category of the store where payment was made using the payment service of the target financial service, or the category of the product or service. Examples of store categories include restaurants, convenience stores, drugstores, and bookstores. Examples of product categories include food, medicine, and books, and examples of service categories include rent, hospitals, training gyms, dry cleaning, and movies. In this case, each target user A1, A2 may select the category of the transaction information from a list of categories displayed on the display unit 24 of the client terminal 2A1, 2A2 used by the target user A1, A2, or may similarly select whether to share the transaction information from the categories of the transaction information displayed on the display unit 24. In the latter case, the transaction information is assigned a category of the store, product, or service involved and can be displayed on the display unit 24. When each target user A1, A2 selects the category of transaction information to be shared, for example, each target user A1, A2 can display the transaction information acquired by the transaction information acquisition unit 301 on the display unit 24 of the client terminal 2A1, 2A2 used by the target user A1, A2, and select which category of transaction information to share. The client terminal 2A1, 2A2 transmits information indicating the selected category of transaction information to the server 3, and the server 3 stores the information in the storage unit 33, linking it to the user IDs of both target users A1, A2 and a target financial service ID indicating the payment service (joint account) provided by the aggregation service provider.

[0077] The conditions for which transaction information is shared between the two target users A1 and A2 may be set based on something other than each transaction or a category of transaction information. For example, the conditions may be set when the amount spent in a single transaction exceeds a predetermined amount, when the amount spent in a specific period exceeds a predetermined amount, when a transaction is performed on a specific day of the week, when a charge exceeds a predetermined amount, etc.

[0078] In addition to the function of acquiring the joint account linkage information, the linkage information acquisition unit 304b may have a function of acquiring the personal account linkage information that the linkage information acquisition unit 304 in the first embodiment has.

[0079] Figure 11 is a diagram illustrating the linking of financial services to a joint account. The example of Figure 11 shows a case where a business providing a service using server 3 is a business providing a payment service. In the example of Figure 10, two target financial services b3 and b4 are linked to a joint account a2 of a target user of this payment service. In the example of FIG. 11, in addition to the linkage of the target financial service to the joint account a2, the linkage of the target financial service to the personal account a1 is also performed.

[0080] The display information output unit 303b outputs the display information in response to a request for display information for the joint account screen from the client terminal 2 used by the target user. At this time, based on the linkage information acquired by the linkage information acquisition unit 304b, the display information output unit 303b outputs display information that enables display of information related to the target user's transaction information regarding the linked financial service, which is included in the transaction information acquired by the transaction information acquisition unit 301. For example, the display information output unit 303b generates, as display information, information that enables display of at least one of the target user's transaction information regarding the linked financial service, expenditures calculated using the transaction information, or balances calculated using the transaction information. This display information may be information showing the joint account screen itself, or may be information that enables the joint account screen to be generated.

[0081] In addition, when the linked information acquisition unit 304b acquires linked information indicating linked financial services and shared transaction information, the display information output unit 303b outputs display information based on this linked information that enables display of information regarding the target user's shared transaction information regarding linked financial services, among the transaction information acquired by the transaction information acquisition unit 301.

[0082] In addition, when the linked information acquisition unit 304b acquires linked information indicating linked financial services and shared categories, the display information output unit 303b outputs display information based on this linked information that enables display of information regarding the transaction information of the target user's shared category related to the linked financial services, among the transaction information acquired by the transaction information acquisition unit 301.

[0083] In addition to the function of outputting display information for the joint account screen described above, the display information output unit 303b may also have the function of outputting display information for the individual account screen that the display information output unit 303 in embodiment 1 has.

[0084] The linking information output unit 202b outputs the joint account linking information to the server 3 based on the operation information acquired by the operation information acquisition unit 201. In addition to the function of outputting the joint account linkage information, the linkage information output unit 202b may have a function of outputting the personal account linkage information that the linkage information output unit 202 in the first embodiment has.

[0085] The display information acquisition unit 203b requests the server 3 to acquire display information for the joint account screen based on the operation information acquired by the operation information acquisition unit 201, and acquires the display information from the server 3. In addition to the function of acquiring display information for the joint account screen described above, the display information acquisition unit 203b may also have the function of acquiring display information for the individual account screen that the display information acquisition unit 203 in embodiment 1 has.

[0086] The display control unit 204b displays a joint account screen on the display unit 24 based on the operation information acquired by the operation information acquisition unit 201 and the display information acquired by the display information acquisition unit 203b. If the display information is information indicating the joint account screen itself, the display control unit 204b displays the joint account screen indicated by this information on the display unit 24. If the display information is information that enables a joint account screen to be generated, the display control unit 204b generates a joint account screen from this information and displays the generated joint account screen on the display unit 24. The joint account screen displayed by the display control unit 204b displays, for example, at least one of the following information: transaction information of the linked user regarding the linked financial service, expenditures calculated using that transaction information, or balances calculated using that transaction information.

[0087] In addition to the function of displaying the joint account screen, the display control unit 204b may have the function of displaying the individual account screen that the display control unit 204 in the first embodiment has. For example, a selection button for switching the screen display to the target user A1's personal account screen is displayed on the display unit 24 of the client terminal 2A1 used by the target user A1. The target user A1 can switch the display screen to the personal account screen by operating this selection button. Similarly, a selection button for switching the screen display to the joint account screen is displayed on the target user A1's personal account screen displayed on the display unit 24 of the client terminal 2A1. The target user A1 can switch the display screen to the joint account screen by operating this selection button. Similarly, the client terminal 2A2 used by the target user A2 can also switch between the joint account screen and the target user A2's personal account screen.

[0088] In this way, in the server 3 according to embodiment 2, when a target user performs an operation to link a target financial service to a joint account, the target user's transaction information regarding this target financial service is shared with other target users linked to the joint account. In addition, in the server 3 according to the second embodiment, the transaction information of the target user regarding the target financial services that are not linked to the joint account, i.e., the target financial services that are linked to the personal account, is not shared with other target users linked to the joint account.

[0089] Furthermore, the linked information acquisition unit 304b may also acquire, from among the transaction information related to the linked financial service, information indicating the transaction information to be shared or its category. In this case, the display information output unit 303b outputs display information that enables display of information regarding the linked user's shared transaction information related to the linked financial service or transaction information of the shared category from the transaction information acquired by the transaction information acquisition unit 301. As a result, in the information processing device of embodiment 2, it is possible to share only a portion of the transaction information related to the linked financial services linked to the joint account rather than sharing all of the transaction information, thereby enabling more detailed responses.

[0090] As described above, according to this embodiment 2, the information processing device includes a link information acquisition unit 304b that acquires link information indicating linked financial services, which are target financial services linked to the joint account, and a display information output unit 303b that outputs display information that enables display of information regarding the target user's transaction information related to the linked financial services, among the transaction information acquired by the transaction information acquisition unit 301, based on the link information acquired by the link information acquisition unit 304b, in response to a request from the target user linked to the joint account. As a result, in the information processing device of embodiment 2, when a target user links a target financial service to a joint account, other target users linked to the joint account can also grasp the target user's transaction information regarding the linked target financial service.

[0091] Furthermore, according to this embodiment 2, the linked information acquisition unit 304b acquires linked information indicating the linked financial services and the shared transaction information, which is the transaction information to be shared, and the display information output unit 303b outputs display information that enables display of information regarding the shared transaction information of the target user relating to the linked financial services, among the transaction information acquired by the transaction information acquisition unit 301, based on the linked information acquired by the linked information acquisition unit 304b, in response to a request from the target user linked to the joint account. Furthermore, according to this embodiment 2, the linked information acquisition unit 304b acquires linked information indicating the linked financial service and the shared category, which is the category of the transaction information to be shared, and the display information output unit 303b, in response to a request from the target user linked to the joint account, outputs display information that enables display of information regarding the transaction information of the target user's shared category related to the linked financial service, among the transaction information acquired by the transaction information acquisition unit 301, based on the linked information acquired by the linked information acquisition unit 304b. As a result, the information processing device according to the second embodiment can share only a portion of the transaction information related to the linked financial services linked to the joint account, enabling more detailed responses.

[0092] Embodiment 3 In the third embodiment, a case will be described in which transaction information regarding a target financial service is acquired in response to a predetermined trigger.

[0093] Fig. 12 shows a configuration example of the server 3 according to the embodiment 3. In the server 3 according to the embodiment 3 shown in Fig. 12, the transaction information acquisition unit 301 is changed to a transaction information acquisition unit 301c in comparison with the server 3 according to the embodiment 1 shown in Fig. 1. Other configuration examples of the information processing system 1, server 3, and client terminal 2 according to embodiment 3 are the same as the configuration examples of the information processing system 1, server 3, and client terminal 2 according to embodiment 1, and the same symbols will be used and only the different parts will be explained.

[0094] In addition to the functions of the transaction information acquisition unit 301 in the first embodiment, the transaction information acquisition unit 301c has a function of acquiring transaction information related to the target financial service in response to a predetermined trigger. That is, while the transaction information acquisition unit 301c acquires transaction information at an acquisition frequency according to the type of target financial service, if a predetermined trigger occurs, it acquires transaction information regardless of the type of target financial service.

[0095] At this time, the transaction information acquisition unit 301c may acquire transaction information relating to all target financial services or to some target financial services in response to the trigger. For example, if the transaction information acquisition unit 301c is set to acquire transaction information when a payment transaction is executed for a specific payment service, the transaction information for this payment service is always updated to the latest version, so there is no need to acquire transaction information for this payment service in response to the trigger. Therefore, in such a case, the transaction information acquisition unit 301c may acquire transaction information for target financial services other than the specific payment service in response to the trigger.

[0096] For example, when the transaction information acquisition unit 301c acquires transaction information related to all target financial services in response to the trigger, information indicating the trigger is stored in the storage unit 33. Also, when the transaction information acquisition unit 301c acquires transaction information related to some target financial services in response to the trigger, information indicating the trigger is stored in the storage unit 33 in association with the target financial service IDs of the some target financial services. By storing the above-mentioned information in the memory unit 33, the transaction information acquisition unit 301c identifies the trigger and identifies the target financial service for which transaction information should be acquired in response to the occurrence of the trigger, and acquires the transaction information when the above-mentioned trigger occurs.

[0097] Furthermore, for example, the trigger for the transaction information acquisition unit 301c to acquire transaction information may be timing based on the execution of a payment transaction in the target financial service, such as timing when the first payment transaction is executed in a day or timing when a predetermined number of payment transactions have been executed.

[0098] Furthermore, for example, the trigger for the transaction information acquisition unit 301c to acquire transaction information may be the timing when a client terminal application used by the target user is started. In this case, the server 3 includes a startup detection unit (not shown) that detects the startup of a client terminal application used by the target user. The transaction information acquisition unit 301c then acquires transaction information related to all target financial services at the timing when the startup is detected by the startup detection unit.

[0099] In the above description, the target user's actions that become triggers are when the target user makes a payment and when the target user starts a client terminal application. However, the target user's action that serves as a trigger is not limited to this, and the trigger may be, for example, the timing when the target user performs a predetermined operation, such as when the target user selects an update button.

[0100] Furthermore, for example, the trigger for the transaction information acquisition unit 301c to acquire transaction information may be the timing when the server 3 performs a determination process based on the acquisition result by the transaction information acquisition unit 301c or the calculation result by the calculation unit 302. In this case, the server 3 includes a determination unit (not shown) that performs a determination process based on the transaction information acquired by the transaction information acquisition unit 301c in response to the trigger, or based on the calculation result by the calculation unit 302 using the transaction information acquired by the transaction information acquisition unit 301c in response to the trigger. That is, the determination unit performs the determination process based on the transaction information updated to the latest state at the timing of performing the determination process, or based on the calculation result by the calculation unit 302 using the transaction information.

[0101] An example of the determination unit is an overuse determination unit. The overuse determination unit determines that the target user is overusing when the target user's expenditure is equal to or greater than an expenditure threshold or when the target user's balance is equal to or less than a balance threshold based on the calculation result by the calculation unit 302. An example of a condition for the overuse determination unit to make a determination is once a month. The condition for the overuse determination unit to make a determination may be set automatically by the server 3, or may be set by the server 3 in response to a specification from the client terminal 2 used by the target user. Furthermore, for example, the determination unit may be a deposit necessity determination unit. The deposit necessity determination unit determines that a deposit is necessary when the balance of the target user is equal to or less than the deposit threshold based on the calculation result by the calculation unit 302. Furthermore, for example, the determination unit may be a fraudulent use determination unit that determines, based on the results acquired by the transaction information acquisition unit 301c, that there is a possibility of fraudulent use if the transaction amount indicated in the transaction information of the target user is equal to or greater than the upper threshold.

[0102] In this way, the server 3 according to the third embodiment is capable of updating transaction information regarding the target financial service in response to a trigger such as a predetermined action by the target user, regardless of the type of the target financial service. As a result, the server 3 according to the third embodiment can obtain the latest transaction information for each target financial service at least at the timing of the above-mentioned trigger.

[0103] In the above description, the case where the transaction information acquisition unit 301 in the server 3 according to the first embodiment is changed to the transaction information acquisition unit 301c has been described. However, the present invention is not limited to this, and the transaction information acquisition unit 301 in the server 3 according to the second embodiment may be changed to a transaction information acquisition unit 301c, and the same effects as those described above can be obtained.

[0104] As described above, according to the third embodiment, the transaction information acquisition unit 301c of the information processing device acquires transaction information related to the target financial service in response to a predetermined trigger. As a result, the information processing device according to the third embodiment can easily grasp the transaction information regarding each of the target financial services by acquiring the transaction information between the target financial services at a certain timing.

[0105] Furthermore, according to the third embodiment, the trigger is the timing based on the execution of a payment transaction in the target financial service. Furthermore, according to the third embodiment, a start-up detection unit is provided that detects the start-up of an application used by the target user, and the trigger is the timing at which the start-up is detected by the start-up detection unit. Furthermore, according to the third embodiment, a determination unit is provided that performs a determination process based on transaction information acquired by the transaction information acquisition unit 301c in response to a trigger, or based on a calculation result by the calculation unit 302 that uses the transaction information acquired by the transaction information acquisition unit 301c in response to a trigger, and the trigger is the timing at which a condition for causing the determination unit to perform the determination process is satisfied. Furthermore, according to this embodiment 3, the determination unit determines that the target user is overspending based on the calculation result by the calculation unit 302 if the target user's expenditure is equal to or greater than the expenditure threshold or if the target user's balance is equal to or less than the balance threshold. As a result, the information processing device according to the third embodiment can acquire each piece of transaction information between target financial services at an appropriate timing.

[0106] It should be noted that the embodiments may be freely combined, or any of the components in each embodiment may be modified, or any of the components in each embodiment may be omitted. [Explanation of symbols]

[0107] 1 Information processing system, 2 Client terminal, 3 Server (information processing device), 4 Store terminal, 5 External server, 21 Communication unit, 22 Calculation unit, 23 Operation unit, 24 Display unit, 25 Memory unit, 31 Communication unit, 32 Calculation unit, 33 Memory unit, 100 Communication interface, 101 Input / output interface, 102 Processor, 103 Memory, 201 Operation information acquisition unit, 202, 202b Linked information output unit, 203, 203b Display information acquisition unit, 204, 204b Display control unit, 301, 301c Transaction information acquisition unit, 302 Calculation unit, 303, 303b Display information output unit, 304, 304b Linked information acquisition unit.

Claims

1. a transaction information acquisition unit that acquires transaction information of a target user regarding a plurality of target financial services; a calculation unit that calculates at least one of the expenditure or the balance of the target user based on the transaction information acquired by the transaction information acquisition unit, The frequency with which the transaction information acquisition unit acquires transaction information varies depending on the type of the target financial service.

1. An information processing device comprising:

2. The target financial services are banking services provided by banks and payment services provided by businesses other than banks, The frequency with which the transaction information acquisition unit acquires transaction information is higher for the payment service than for the bank service.

2. The information processing apparatus according to claim 1, wherein:

3. The transaction information regarding the payment service is information indicating a payment transaction and information indicating a deposit / withdrawal transaction, The transaction information regarding the bank service is information indicating an account transaction.

3. The information processing apparatus according to claim 2.

4. When the payment service is a specific payment service, the transaction information acquisition unit acquires transaction information when a payment transaction is executed, and when the payment service is a payment service other than the specific payment service, the transaction information acquisition unit acquires transaction information less frequently than when the payment service is the specific payment service.

3. The information processing apparatus according to claim 2.

5. The transaction information acquisition unit acquires, on a specific day, transaction information relating to the target financial services that are acquired at different frequencies.

2. The information processing apparatus according to claim 1, wherein:

6. The transaction information acquisition unit acquires transaction information related to the target financial services with different acquisition frequencies at a specific timing.

6. The information processing apparatus according to claim 5,

7. the target user is a plurality of target users linked to a joint account; an association information acquisition unit that acquires association information indicating an associated financial service that is the target financial service associated with the joint account; a display information output unit that outputs display information that enables display of information related to the target user's transaction information related to the linked financial service, among the transaction information acquired by the transaction information acquisition unit, based on the linkage information acquired by the linkage information acquisition unit, in response to a request from the target user linked to the joint account.

2. The information processing apparatus according to claim 1, wherein:

8. the link information acquisition unit acquires the link information indicating the linked financial service and shared transaction information, which is transaction information to be shared; The display information output unit, in response to a request from the target user linked to the joint account, outputs display information that enables display of information related to the shared transaction information of the target user relating to the linked financial service, among the transaction information acquired by the transaction information acquisition unit, based on the linkage information acquired by the linkage information acquisition unit.

8. The information processing apparatus according to claim 7,

9. the link information acquisition unit acquires the link information indicating the linked financial service and a shared category, which is a category of transaction information to be shared; The display information output unit, in response to a request from the target user linked to the joint account, outputs display information that enables display of information related to transaction information of the target user in the shared category related to the linked financial service, among the transaction information acquired by the transaction information acquisition unit, based on the linkage information acquired by the linkage information acquisition unit.

8. The information processing apparatus according to claim 7,

10. The transaction information acquisition unit acquires transaction information related to the target financial service in response to a predetermined trigger.

2. The information processing apparatus according to claim 1, wherein:

11. The trigger is based on the timing of execution of a payment transaction in the target financial service.

11. The information processing apparatus according to claim 10.

12. a startup detection unit that detects startup of an application used by the target user; The trigger is the timing at which the activation is detected by the activation detection unit.

11. The information processing apparatus according to claim 10.

13. a determination unit that performs a determination process based on the transaction information acquired by the transaction information acquisition unit in response to the trigger, or based on a calculation result by the calculation unit using the transaction information acquired by the transaction information acquisition unit in response to the trigger, The trigger is a timing when a condition for causing the determination unit to execute a determination process is satisfied.

11. The information processing apparatus according to claim 10.

14. The determination unit determines that the target user is overspending when the target user's expenditure is equal to or greater than an expenditure threshold or when the user's balance is equal to or less than a balance threshold based on the calculation result by the calculation unit.

14. The information processing apparatus according to claim 13,

15. An information processing program for causing a computer to function as the information processing device according to any one of claims 1 to 14.

16. a transaction information acquisition unit acquiring transaction information of a target user regarding a plurality of target financial services; a calculation unit calculating at least one of the expenditure or the balance of the target user based on the transaction information acquired by the transaction information acquisition unit; The frequency with which the transaction information acquisition unit acquires transaction information varies depending on the type of the target financial service. An information processing method comprising:

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