Information processing device, information processing method, and program

Abstract

To improve a user's user experience by providing solutions to the user's needs from the information acquired by financial institutions. [Solution] An information processing device managed by a financial institution includes a communication unit, a storage unit, and a control unit for communicating with an external network. The information processing device executes the following: receiving a user request from a user terminal via the communication unit, the user request including a user request, account information, and location information; analyzing information acquired via the communication unit and / or information stored in the storage unit to generate an analysis result corresponding to the user request, the analysis being performed based on the account information and / or the location information; and transmitting the generated analysis result to the user terminal via the communication unit.

Description

[Technical field]

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

[0002] In the digital age, the role of the traditional wallet is increasingly being taken over by smartphones. A wallet is known as a general-purpose application that is installed on a smartphone and performs the functions of a wallet. Credit card information and cash card information can be registered in a wallet. By registering this information in a wallet, it becomes possible to make payment transactions using a smartphone, and in recent years, such payment transactions have been becoming more widespread.

[0003] Financial institutions provide various services to their users. For example, financial institutions provide services such as deposits, withdrawals, transfers, transfers, and balance inquiries through automated teller machines (ATMs). Financial institutions provide preferential services for various fees in consideration of the transaction status of users, and also suspend transactions by users in the event of any accidents. [Prior art documents] [Non-patent literature]

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

[0005] While cashless situations are on the rise thanks to smartphone payment transactions, there are still situations where cash must be used, and ATMs have not disappeared. When users make a transaction at an ATM, they have to search for and take out their cash card from their wallet, or they have to bring their passbook to the ATM, which is a hassle for many users.

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

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

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

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

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

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

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

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

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

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

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

[0017] The information processing device 10 stores information (e.g., account information, whether or not there is an agreement to provide health information) included in the health information management service application information received from the health information management system 14, and updates the subscription information of the user to the fee preferential service based on the acquired information. Based on the subscription information of the fee preferential service, the information processing device 10 executes a process of making the user's fee free or reducing it.

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

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

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

[0021] The ATM 12 obtains the account information from the user terminal 11 through communication between an NFC reading device attached to the ATM and the user terminal 11. This communication may be short-range wireless communication such as NFC (Near Field Communication). After receiving the account information, the ATM 12 may further receive a PIN from the user terminal 11, or may request the user to enter the PIN on the display of the ATM 12 as in the conventional manner, and once it has been confirmed by either method that the PIN is correct, the user may carry out various transactions.

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

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

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

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

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

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

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

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

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

[0031] Account information 301 is information for identifying a user's account opened at a financial institution, and indicates a financial institution code, branch number, account number, and account number. Reported address 302 indicates the address of residence that the user has reported to the financial institution. Reported telephone number 303 indicates the telephone number of the user terminal 11 using the financial service application that the user has reported to the financial institution. Fee preferential service subscription status 304 indicates whether the user has subscribed to various preferential services provided to users by the financial institution. Account balance 305 indicates the amount of the account balance. Account availability flag 306 is a flag indicating whether the user's account can be used, and for example, normally indicates "available", but can be updated to indicate "unavailable" when the user terminal 11 is lost. Based on whether the account can be used, it can be decided to suspend financial transactions using the user's account.

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

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

[0034] Returning to Fig. 2, the head office / branch office information 108 stores information on the head office / branch offices of a financial institution. Fig. 5 is a diagram for explaining an example of the data structure of the head office / branch office information 108. The head office / branch office information 108 can include a financial institution code 501, a branch number 502, location information 503, and presence / absence of new bills 504, but is not limited to these data items and can also include other data items.

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

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

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

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

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

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

[0041] (Cash card information registration process) FIG. 8 is a flow diagram explaining the process of registering account information in a wallet. As a premise of this process flow, it is assumed that a wallet application and a financial service application have already been installed on the user terminal 11. The wallet application is an application called a wallet that functions as a wallet. As known to those skilled in the art, the wallet application is a general-purpose application that is often pre-installed on smartphones and the like. The financial service application is an application that provides various financial services such as Internet banking, securities services, and services for credit card members, and is an application that can register account information, or an application that can register multiple pieces of information such as account information, securities account information, credit card information, and point information in association with each other.

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

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

[0044] In the above, we have described how information registered in the financial services application is used to register to the wallet application, but the present invention is not limited to this embodiment and any method of registering account information to the wallet application may be used.

[0045] A user terminal 11 in which a wallet application is installed can communicate with a device that supports short-range wireless communication (e.g., NFC). A user terminal 11 in which a wallet application in which account information is registered is installed can transmit the account information to an ATM 12 that supports short-range wireless communication. This transmission enables the ATM 12 to obtain the account information for performing a transaction and allow the user to perform subsequent processing.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[0074] In S1202, the user terminal 11 transmits the user's application information for the health information management service to the health information management system 14. The application information for the health information management service includes information such as account information, insurance information, family information, and whether or not the user has agreed to the provision of health information.

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

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

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

[0078] (Process flow for suspending a user's account) 13 is a flow diagram explaining the process of suspending the use of a user's account in response to a communication from a communications carrier. As a premise of this processing flow, for example, when a user loses user terminal 11, the user contacts a telecommunications carrier (communications carrier) that provides communications services to user terminal 11 by any means to inform them of the loss of his / her own user terminal 11.

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

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

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

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

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

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

Claims

1. An information processing device including a communication unit for communicating with an external network, a storage unit, and a control unit, The storage unit is A user information DB that stores user data associated with users who have opened accounts at financial institutions; an ATM information DB for storing information on ATMs managed by the financial institution; A head office / branch office information DB for storing information on the head offices / branch offices of the financial institution; A collected information DB for storing information acquired by the information processing device; Equipped with The control unit is receiving a user request from a user terminal via the communication unit, the user request including a user request indicating content of information desired by the user, account information, and location information; In response to receiving the user request, searching for documents and images on the Web via the communication unit based on the user request and storing the acquired information in the collected information DB; If the account information included in the user request indicates an account at another bank, generating a request to obtain other bank user information based on the account information and transmitting the request to a other bank system associated with the account at the other bank, thereby storing the obtained other bank user information in the collected information DB; generating an analysis result including information corresponding to the content of the user's desired information by searching information stored in the collected information DB, the user information DB, the ATM information DB, and the head office / branch information DB according to the content of the user's desired information included in the user request, the generation of the analysis result being executed based on the account information and / or location information; Transmitting the generated analysis result to the user terminal via the communication unit; An information processing device configured to execute the above.

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

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

4. If the user request indicates a search for an ATM with the lowest withdrawal fees, The control unit is If the account information indicates an account at the bank, querying the ATM information DB based on location information included in the user request and identifying an ATM associated with the bank that is located within a predetermined range from the location information; If the account information indicates an account at another bank, querying the collected information DB and identifying ATMs associated with the other bank that are located within a predetermined range from the location information; generating a position of the ATM with the lowest withdrawal fee among the identified ATMs as an analysis result based on information on whether the user has subscribed to a fee preferential service stored in the user information DB or the collected information DB; The information processing device of claim 1 configured to execute the following:

5. If the user request indicates a search for an ATM with the lowest transfer fee, The control unit is If the account information indicates an account at the bank, querying the ATM information DB based on location information included in the user request and identifying an ATM associated with the bank that is located within a predetermined range from the location information; If the account information indicates an account at another bank, querying the collected information DB and identifying ATMs associated with the other bank that are located within a predetermined range from the location information; generating a location of the identified ATM associated with the own bank or the identified ATM associated with the other bank as an analysis result; The information processing device of claim 1 configured to execute the following:

6. The control unit: making an inquiry to the head office / branch information DB and the collected information DB based on the location information to obtain location information of the head office / branch of the bank and other banks located within a predetermined range from the location information, and information on internet banking fees; generating the acquired location information of the bank's own bank and other banks' head offices and branches, and information on internet banking fees as analysis results; The information processing apparatus of claim 5 further configured to execute the following:

7. If the user request indicates obtaining a new note, The control unit is making an inquiry to said ATM information DB and said head office and branch office information DB to obtain location information of ATMs having new bills and location information of head offices and branches; Identifying the locations of one or more ATMs and / or head and branch offices that are within a predetermined distance range from the user's location from among the acquired ATM location information and head and branch office location information based on the location information, and generating the identified locations as an analysis result; The information processing device of claim 1 configured to execute the following:

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

9. The control unit is in response to receiving an account information matching request message from an ATM, making an inquiry to the user information DB based on account information included in the account information matching request message to determine whether data corresponding to the account information exists, wherein the ATM receives the account information registered in a wallet application of the user terminal via NFC and generates the account information matching request message; if it is determined that the PIN exists, sending a message to the ATM prompting the user to enter the PIN; The information processing device of claim 1 configured to execute the following:

10. A method executed by an information processing device including a communication unit for communicating with an external network, a storage unit, and a control unit, The storage unit is A user information DB that stores user data associated with users who have opened accounts at financial institutions; an ATM information DB for storing information on ATMs managed by the financial institution; A head office / branch office information DB for storing information on the head offices / branch offices of the financial institution; A collected information DB for storing information acquired by the information processing device; Equipped with The control unit receives a user request from a user terminal via the communication unit, the user request including a user request indicating content of information desired by the user, account information, and location information; In response to receiving the user request, the control unit searches for documents and images on the Web based on the user request via the communication unit, and stores the obtained information in the collected information DB; When the account information included in the user request indicates an account at another bank, the control unit generates a request to obtain other bank user information based on the account information and transmits the request to a other bank system associated with the account at the other bank, thereby storing the obtained other bank user information in the collected information DB; the control unit searches for information stored in the collected information DB, the user information DB, the ATM information DB, and the head office / branch information DB in accordance with the content of the user's desired information included in the user request, and generates an analysis result including information corresponding to the content of the user's desired information, the generation of the analysis result being executed based on the account information and / or location information; The control unit transmits the generated analysis result to the user terminal via the communication unit; A method for providing the above.

11. A program for causing a computer to execute the method according to claim 10.

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