Information Processing System and Information Processing Program

Abstract

To provide an information processing system and the like that can support a fund operation while taking into account fluctuation in monthly credit card spending.SOLUTION: An information processing system includes: a first acquisition unit that acquires a set amount of monthly payment associated with a user; a second acquisition unit that acquires a monthly use amount with a credit card associated with the user; a calculation unit that calculates a relation between the set amount of payment and the use amount associated with the user for every month; and a parameter processing unit that changes a value of a specific parameter associated with the user based on a calculation result by the calculation unit.SELECTED DRAWING: Figure 1

Description

Technical Field

[0001] The present disclosure relates to an information processing system and an information processing program.

Background Art

[0002] Patent Document 1 discloses a system that provides a user with deposit and withdrawal transaction data of a deposit account.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, the above system does not consider the use of credit cards, especially the monthly fluctuations in the usage amount.

[0005] Therefore, in one aspect, an object of the present invention is to provide an information processing system or the like that can support fund management while considering the monthly fluctuations in the usage amount of a credit card.

Means for Solving the Problems

[0006] (1) In one aspect, a first acquisition unit that acquires a monthly payment set amount associated with a user; a second acquisition unit that acquires a monthly usage amount by a credit card associated with the user; a calculation unit that calculates the relationship between the payment set amount and the usage amount associated with the user on a monthly basis; a parameter processing unit that changes the value of a specific parameter associated with the user based on the calculation result by the calculation unit, characterized by.

[0007] (2) In the above aspect, preferably, the specific parameter includes the balance of a predetermined medium having asset value, the parameter processing unit calculates the difference between the payment setting amount and the usage amount on a monthly basis, and executes a balance update process of adding the difference to the balance. This is characterized by.

[0008] (3) In the above aspect, preferably, a first storage unit that stores account information within a financial institution associated with the user, the first account information related to the debit of the usage amount, and the second account information related to the balance, is further provided, when the difference is positive because the payment setting amount is greater than the usage amount, the parameter processing unit executes the balance update process in a manner that realizes the transfer of the predetermined medium from the first account information to the second account information. This is characterized by.

[0009] (4) In the above aspect, preferably, a notification processing unit that generates caution information for the use of the credit card such that the balance becomes negative is further provided. This is characterized by.

[0010] (5) In the above aspect, preferably, a situation detection unit that detects the product search situation of the user, and a guidance processing unit that generates guidance information for guiding the user to a store where the credit card can be used within the range of the balance when the product search situation is detected, are further provided. This is characterized by.

[0011] (6) In the above aspect, preferably, a second storage unit that stores setting information by the user, A purchase processing unit that, based on the setting information, executes a process for purchasing a specific financial product by the amount exceeding the threshold when the balance exceeds the threshold; is further provided. It is characterized by this.

[0012] (7) In the above aspect, preferably, A third storage unit that stores target information representing the target of the user; An information generation unit that generates information representing the degree of achievement of the target in the target information based on the target information and the balance; is further provided. It is characterized by this.

[0013] (8) In another aspect, An information processing program executable by an information processing apparatus, At least a part of the information processing system according to any one of claims 1 to 7 is realized in the information processing apparatus. It is characterized by this.

Effect of the Invention

[0014] In one aspect, according to the present invention, it is possible to provide an information processing system or the like that can support fund management while considering fluctuations in the monthly usage amount of a credit card.

Brief Description of the Drawings

[0015]

Figure 1

Figure 2

Figure 2A

Figure 2B

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Embodiments for Carrying Out the Invention

[0016] Hereinafter, each embodiment will be described in detail with reference to the accompanying drawings.

[0017] FIG. 1 is a diagram showing the configuration of the information processing system of this embodiment.

[0018] As shown in FIG. 1, the information processing system 10 of this embodiment includes a first acquisition unit 11 that acquires a monthly payment setting amount associated with a user, a second acquisition unit 12 that acquires a monthly usage amount by a credit card associated with the user, a calculation unit 13 that calculates the relationship between the payment setting amount and the usage amount associated with the user on a monthly basis, and a parameter processing unit 14 that changes the value of a specific parameter associated with the user based on the calculation result by the calculation unit 13. The specific parameter includes the balance of a predetermined medium having asset value, and the parameter processing unit 14 calculates the difference between the payment setting amount and the usage amount (= payment setting amount - usage amount) for the usage amount on a monthly basis, and executes a balance update process of adding the difference to the balance. When the difference is negative, the negative difference is added to the balance. That is, the parameter processing unit 14 compares the payment setting amount and the usage amount on a monthly basis, and when the payment setting amount is larger than the usage amount, increases the balance by the numerical value corresponding to the larger amount, and when the payment setting amount is smaller than the usage amount, executes a balance update process of reducing the balance by the numerical value corresponding to the smaller amount.

[0019] The predetermined medium having asset value includes currency, various points, cryptocurrency, etc., but in this embodiment, the case where the predetermined medium is currency is exemplified.

[0020] In addition, the information processing system 10 includes a first storage unit 21 that stores account information within a financial institution associated with a user, the first account information 21a related to the debit of the usage amount and the second account information 21b related to the balance. The first account information 21a and the second account information 21b can be updated in a timely manner so as to match the actual account amount (deposit amount) described later. For example, based on notifications from a bank or a credit card company, the first storage unit 21 can update the amounts (deposit amounts) of the first account information 21a and the second account information 21b. The first account information 21a and the second account information 21b can be displayed on the screen of the terminal device in a timely manner based on the user's operation or based on a process that is automatically executed without the user's operation, for example.

[0021] Furthermore, the information processing system 10 includes a notification processing unit 31 that generates alert information for credit card usage that would result in a negative balance, a situation detection unit 41 that detects the user's product search situation, and an induction processing unit 42 that generates induction information for guiding the user to a predetermined store where the credit card can be used within the balance range when the product search situation is detected. The information processing system 10 also includes a second storage unit 51 that stores the user's setting information, a purchase processing unit 52 that executes a process for purchasing a specific financial product by an amount exceeding a threshold when the balance exceeds the threshold based on the setting information, a third storage unit 61 that stores target information representing the user's goal, and an information generation unit 62 that generates information representing the degree of achievement of the goal in the target information based on the target information and the balance.

[0022] All or part of the components of the information processing system 10 are configured as part of the user's terminal device including the user's mobile terminal. Other components that are not configured as part of the user's terminal device can be configured by, for example, a server connected to the user's terminal device by communication means.

[0023] FIG. 2 is a flowchart showing an example of balance update processing, and FIG. 2A is a diagram illustrating a procedure corresponding to the balance update processing. Here, as the balance update processing, a process of updating the balance information of the account is illustrated.

[0024] As a prerequisite for executing the balance update process, the user needs to go through procedures for cooperation between the card company and the bank in association with the user's terminal device, for example, a mobile terminal.

[0025] In this procedure, for example, the user inputs the monthly payment set amount via a terminal device or the like and notifies the card company of the monthly payment set amount. This monthly payment set amount is stored in the first acquisition unit 11. Note that the monthly payment set amount can be changed as needed by an operation on the user's terminal device and is reflected in the payment set amount notified to the card company and stored in the first acquisition unit 11. Also, for the bank, a dedicated account 72 for savings (FIG. 2A) is designated separately from the normal debit account 71 (FIG. 2A) that is the target of automatic debit to the card company. In addition, an application program (information processing program) necessary for the balance update process needs to be installed on the terminal device. The amount (deposit amount) of the normal debit account 71 is included in the first account information 21a, and the amount (deposit amount) of the dedicated account 72 for savings is included in the second account information 21b.

[0026] Next, the balance update process will be described. The balance update process is executed based on the control of the arithmetic unit of the terminal device according to the above application program.

[0027] In step S102 of FIG. 2, the second acquisition unit 12 determines whether the amount used in the current month by the credit card from the card company has been notified, and waits for the determination to be affirmative before proceeding to step S104. Note that the notification of the amount used in the current month may be the bill for the current month from the card company, or may be a notification of the amount used issued separately from the bill. The timing of the notification includes the time when the amount used is determined, a predetermined timing after determination, or the time when a debit is executed from the normal debit account 71.

[0028] In step S104, the second acquisition unit 12 saves the amount used in the current month by the credit card.

[0029] In step S106, the calculation unit 13 acquires the monthly payment setting amount from the first acquisition unit 11 and acquires the usage amount for the current month from the second acquisition unit 12.

[0030] In step S108, the calculation unit 13 calculates the difference obtained by subtracting the monthly payment setting amount from the usage amount for the current month.

[0031] In step S110, the parameter processing unit 14 acquires the difference calculated by the calculation unit 13 and determines whether the difference is a positive value. If the determination is affirmative, the parameter processing unit 14 advances the process to step S112. If the determination is negative, the parameter processing unit 14 advances the process to step S110A.

[0032] In step S110A, the parameter processing unit 14 acquires the difference calculated by the calculation unit 13 and determines whether the difference is a negative value. If the determination is affirmative, the parameter processing unit 14 advances the process to step S114. If the determination is negative, the parameter processing unit 14 advances the process to step S116.

[0033] In step S112, the parameter processing unit 14 subtracts the monthly payment setting amount from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21. Next, in step S118, the parameter processing unit 14 subtracts the difference calculated by the calculation unit 13 from the amount (deposit amount) of the second account information stored in the first storage unit 21.

[0034] Next, the notification process of step S200 is executed and the process ends. Note that the notification process of step S200 will be described later.

[0035] On the one hand, in step S114, the parameter processing unit 14 subtracts the monthly payment setting amount stored in the second acquisition unit 12 from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21. Next, in step S120, the absolute value of the difference calculated by the calculation unit 13, that is, the amount obtained by subtracting the usage amount of the current month from the monthly payment setting amount, is added to the amount (deposit amount) of the second account information 21b stored in the first storage unit 21, and the process ends.

[0036] On the other hand, in step S116, the parameter processing unit 14 subtracts the monthly payment setting amount (= usage amount of the current month) stored in the second acquisition unit 12 from the amount (deposit amount) of the first account information 21a stored in the first storage unit 21, and the process ends.

[0037] As shown in FIG. 2A, the amounts of the normal debit account 71 and the dedicated savings account 72 are managed as follows.

[0038] First, when the usage amount of the current month by the credit card from the credit card company exceeds the monthly payment setting amount, the monthly payment setting amount is paid to the credit card company by automatic debit from the normal debit account 71 managed by the bank. Also, the shortage amount, that is, the amount by which the usage amount of the current month exceeds the monthly payment setting amount, is covered from the dedicated savings account 72 managed by the bank.

[0039] The changes in the deposits of the debit account 71 and the dedicated savings account 72 in such a case are simulated by the processes in step S112 and step S118 in the balance update process, and are correctly reflected in the amounts (deposit amounts) of the first account information 21a and the second account information 21b.

[0040] In FIG. 2A, when the monthly usage amount by the credit card from the card company does not reach the monthly payment setting amount, the monthly usage amount is paid to the card company by automatic debit from the normal debit account 71. Also, the surplus amount, that is, the amount by which the monthly payment setting amount exceeds the monthly usage amount, is transferred by transfer from the normal debit account 71 to the dedicated account 72 for savings.

[0041] The deposit fluctuations of the debit account 71 and the dedicated account 72 for savings in such a case are simulated by the processes in step S114 and step S120 in the balance update process and are correctly reflected in the amounts (deposit amounts) of the first account information 21a and the second account information 21b.

[0042] When the monthly usage amount by the credit card from the card company matches the monthly payment setting amount, the monthly usage amount is paid to the card company by automatic debit from the normal debit account 71. In this case, there is no transfer from the normal debit account 71 to the dedicated account 72 for savings shown in FIG. 2A, nor is there any appropriation from the dedicated account 72 for savings, and there is no change in the amount (deposit amount) in the dedicated account 72 for savings related to the monthly usage by the credit card.

[0043] The deposit fluctuations of the normal debit account 71 and the dedicated account 72 for savings in such a case are simulated by the process in step S116 in the balance update process and are correctly reflected in the amounts (deposit amounts) of the first account information 21a and the second account information 21b.

[0044] In this way, the monthly payment amount is set. When the usage amount for the current month is less than the monthly payment amount, the surplus is transferred to savings (deposited into a dedicated savings account 72), and when the usage amount for the current month exceeds the monthly payment amount, the excess amount is covered from the dedicated savings account 72. As a result, the monthly payment amount is fixed from the normal debit account 71, and by setting the monthly payment amount higher, it becomes possible to automatically save in the dedicated savings account 72. For example, compared to the case of saving a fixed amount every month, since the amount saved varies according to the monthly payment amount, savings can be made without difficulty. Also, there are no fees such as when setting the monthly payment amount using direct debit (installment payment).

[0045] According to the information processing system 10 of this embodiment, since the fluctuations in the deposits of the normal debit account 71 and the dedicated savings account 72 can be presented to the user, planned fund management becomes possible.

[0046] FIG. 2B is a diagram illustrating another aspect of the procedure corresponding to the balance update process. The example of FIG. 2B shows a case where the normal debit account 71 is managed by a bank and the dedicated savings account 72 is managed by a credit card company. In this case, at the bank, since no transfer is made from the normal debit account 71 to the dedicated savings account 72, the user only needs to establish cooperation with the credit card company, and cooperation with the bank is no longer essential.

[0047] In the example shown in FIG. 2B, the payment from the normal debit account 71 to the credit card company (the claim from the credit card company to the bank) is a fixed amount set as the monthly payment amount, and this fixed amount is paid from the bank to the credit card company by monthly automatic debit. The variation in the monthly usage amount by credit card is adjusted by the operation on the credit card company side. When the usage amount is less than the monthly payment amount, the difference is deposited into the dedicated savings account 72. Also, when the usage amount exceeds the monthly payment amount, the shortage is covered from the dedicated savings account 72.

[0048] Even in the example shown in FIG. 2B, the fluctuations in the deposits of the debit account 71 and the dedicated savings account 72 are the same as those in the example shown in FIG. 2A, and the processing in the information processing system 10 is the same. That is, also in this case, the information processing system 10 can correctly simulate the fluctuations in the deposits of the normal debit account 71 and the dedicated savings account 72, enabling the user to make planned fund management.

[0049] Here, as described above, the dedicated savings account 72 is managed by the credit card company. When making a credit card payment from the dedicated savings account 72 instead of the normal debit account 71, greater benefits may be provided than usual. This has the effect of promoting savings for the user and promoting credit card usage for the credit card company.

[0050] FIG. 3 is a diagram schematically showing the relationship between the monthly payment set amount and the monthly bill amount.

[0051] As shown in FIG. 3, the monthly payment amount is fixed according to the payment set amount, and the monthly bill amount fluctuates. Then, in the month when the bill amount is less than the payment set amount, the difference becomes the savings in the dedicated savings account 72, and in the month when the bill amount exceeds the payment set amount, the shortage is covered from the dedicated savings account 72 and paid. The debit from the normal debit account 71 is a fixed monthly payment amount regardless of the bill amount. Therefore, even in a month with a high credit card usage, there is no worry about the normal debit account 71 running out of balance. Also, in months with low credit card usage, savings can be automatically made in the dedicated savings account 72, eliminating the risk of wasting the remaining deposits in the debit account 71. Thus, planned fund management becomes possible.

[0052] FIG. 4 is a flowchart showing the notification process (step S200). The notification process is a process of generating alert information by the notification processing unit 31 and notifying the user.

[0053] In step S202 of FIG. 4, it is determined whether the amount (deposit amount) of the second account information 21b after the difference is subtracted in step S118 (FIG. 2) is a negative amount. If the determination is affirmative, the process proceeds to step S204; if the determination is negative, the process returns.

[0054] In step S204, the notification processing unit 31 generates attention - calling information, notifies the user, or alternatively, sets it to a state where it is notified to the user in a timely manner, and ends the process.

[0055] The attention - calling information is information indicating that the balance of the dedicated account 72 for savings is insufficient with respect to the payment setting amount. The user can recognize that the balance of the dedicated account 72 for savings is insufficient based on the attention - calling information, and for example, can eliminate the insufficient balance before the debit. The attention - calling information is, for example, timely displayed on the screen of the user's terminal device.

[0056] In addition, in a financial institution that has a contract with the user, such as a credit card company, when it detects that the balance of the dedicated account 72 for savings is insufficient, it may notify the user's terminal device of information corresponding to the attention - calling information from the side of the financial institution. Also in this case, the information can be timely displayed on the screen of the user's terminal device, for example.

[0057] FIG. 5 is a flowchart showing the guidance information generation process. The guidance information generation process is a process of generating guidance information for guiding the user to a store where the credit card can be used based on the product search situation by the user. This process can be started and ended, for example, in response to a predetermined operation by the user.

[0058] In step S302 of FIG. 5, the situation detection unit 41 determines whether there has been a product search for the purpose of purchasing a product in the user's terminal device, and waits for the determination to be affirmative before proceeding to step S304.

[0059] In step S304, the situation detection unit 41 acquires the first account information 21a via the parameter processing unit 14 and the first storage unit 21.

[0060] In step S306, the situation detection unit 41 executes a search for the product that is the target of the product search or a product similar to the target of the product search, and acquires the selling price of the product in the store (site) that sells the product and whether the corresponding credit card can be used at the store (site).

[0061]

[0060] In step S308, based on the selling price of the product and whether the corresponding credit card can be used, which are acquired by the situation detection unit 41, the guidance processing unit 42 generates guidance information for guiding the user to a store (site) where the corresponding credit card can be used within the range of the amount (deposit amount) of the first account information 21a, presents it to the user via the screen of the terminal device or the like, and advances the process to step S302. In this case, the site to be guided may be selected from the affiliated sites of the credit card or may be determined based on the user's past usage history or the like. Also, instead of guiding the user to the store (site), guiding the user to the product page may be realized.

[0062] For example, in step S308, the guidance information may be presented in a manner that allows access to a predetermined page of the store (site) when the user touches the screen of the mobile terminal or clicks on a predetermined icon on the screen of the terminal device. Based on the guidance information, the user can easily purchase the necessary product with a credit card.

[0063] FIG. 6 is a flowchart showing the purchase process. The purchase process is a process of purchasing a financial product based on the setting information stored in the second storage unit 51.

[0064]

[0061] In step S402 of FIG. 6, the purchase processing unit 52 acquires the setting information stored in the second storage unit 51.

[0065] In step S404, the purchase processing unit 52 determines whether there is a financial product to be purchased based on the acquired setting information. If the determination is affirmative, the process proceeds to step S406; if the determination is negative, the process ends. The setting information includes information indicating whether the user uses the service of the purchase processing by the purchase processing unit 52 and information specifying the financial product to be purchased when using this service. This service is a service provided by financial institutions such as banks and credit card companies. When one or more financial products to be purchased using the service are specified, the determination in step S404 is affirmative. Also, the setting information includes a threshold value related to the amount (deposit amount) of the second account information 21b. This threshold value is the amount serving as a criterion for determining whether to execute the purchase process. The transition to the purchase process of the financial product is permitted on the condition that the amount (deposit amount) of the second account information 21b exceeds the threshold value. This threshold value is also set by the user and stored in the second storage unit 51 as a parameter included in the setting information. Note that the financial product to be purchased is arbitrary and may include not only investment trusts, stocks, corporate bonds, government bonds, insurance, but also cryptocurrency, gold bars, NFTs (Non-Fungible Tokens), etc.

[0066] In step S406, the purchase processing unit 52 acquires the second account information 21b via the parameter processing unit 14 and the first storage unit 21.

[0067] In step S408, the purchase processing unit 52 compares the above-mentioned threshold value related to the amount (deposit amount) of the second account information 21b included in the setting information with the amount (deposit amount) of the second account information 21b, and determines whether the amount (deposit amount) of the second account information 21b exceeds the threshold value. If the determination is affirmative, the purchase processing unit 52 advances the process to step S410; if the determination is negative, the purchase processing unit 52 ends the process.

[0068] In step S410, the purchase processing unit 52 determines whether the purchase of a specific financial product is instructed based on the user's operation on the terminal device. If the determination is affirmative, the process proceeds to step S412; if the determination is negative, the process ends.

[0069] In step S412, the purchase processing unit 52 executes the processing necessary to purchase a specific financial product for which a purchase has been instructed based on the user's operation on the terminal device, and ends the processing. Here, for example, procedures for concluding a contract for purchasing a specific product with a financial institution are executed via communication processing.

[0070] As described above, in the purchase processing shown in FIG. 6, when the amount (deposit amount) of the second account information 21b, that is, the deposit amount of the dedicated account 72 for savings exceeds the above threshold value, the user can purchase a financial product using the deposit in the dedicated account 72 for savings through a simple procedure. In addition, the financial institution can promote the sale of financial products by providing the service.

[0071] FIG. 7 is a flowchart showing the achievement degree information generation process. The achievement degree information generation process is a process for generating achievement degree information. This achievement degree information is information indicating to what extent the amount (deposit amount) of the second account information 21b, that is, the deposit amount of the dedicated account 72 for savings, has reached the target amount.

[0072] In step S502 of FIG. 7, the information generation unit 62 acquires the target information stored in the third storage unit 61. The target information includes the target of the user, that is, the deposit amount of the dedicated account 72 for savings to be achieved.

[0073] In step S504, the information generation unit 62 acquires the second account information 21b via the parameter processing unit 14 and the first storage unit 21.

[0074] In step S506, the information generation unit 62 compares the deposit amount (target amount) of the dedicated account 72 for savings to be achieved included in the target information with the amount (deposit amount) of the second account information 21b, generates the above-mentioned achievement degree information, and ends the process. The achievement degree information may be, for example, the ratio of the amount (deposit amount) of the second account information 21b to the deposit amount (target amount) of the dedicated account 72 for savings to be achieved, or may be the difference obtained by subtracting the amount (deposit amount) of the second account information 21b from the deposit amount (target amount) of the dedicated account 72 for savings to be achieved.

[0075] The generated achievement degree information is displayed on the display screen of the terminal device or saved in a form that can be displayed on the display screen of the terminal device. Thereby, the user can timely confirm to what extent the deposit amount of the dedicated account 72 for savings actually saved has been achieved with respect to the target deposit amount (target amount), and the user can enhance the motivation for savings. This deposit amount may be a fixed target amount, or may be a target amount that increases over time. For example, the target deposit amount may be set to be accumulated by the same amount every month or by different amounts each month. In particular, when performing long-term savings, by setting the target deposit amount to increase over the years and months, the target deposit amount can be set to a realistic amount, and the motivation for savings can be maintained over the long term.

[0076] In the above embodiment, the deposits of the actual debit account 71 and the dedicated account 72 for savings are associated with the first account information 21a and the second account information 21b. However, it is also possible to use it not only for executing a process linked to the actual operation but also for a simulation in which the information processing system according to the present invention is separated from the actual operation. For example, it can also be applied to a simulation of savings when the monthly payment amount is changed, a simulation when a specific product is purchased using a credit card, and the like.

[0077] In addition, by using the information processing system according to the present invention in a financial institution, it can also be used for determination regarding credit extension to a user who uses a credit card, for example, determination in an interim credit review.

[0078] Although each embodiment has been described in detail above, the present invention is not limited to specific embodiments, and various modifications and changes are possible within the scope described in the claims. In addition, it is also possible to combine all or a plurality of the constituent elements of the above-described embodiments.

[0079] In addition, the following supplementary notes are disclosed regarding the above embodiments.

[0080] (Supplementary Note 1) A first acquisition unit that acquires a monthly payment setting amount associated with a user; A second acquisition unit that acquires a monthly usage amount by a credit card associated with the user; A calculation unit that calculates, for each month, the relationship between the payment setting amount and the usage amount associated with the user; An information processing system comprising: a parameter processing unit that changes the value of a specific parameter associated with the user based on the calculation result by the calculation unit.

[0081] According to the configuration of Supplementary Note 1, it is possible to obtain the value of a specific parameter that varies according to the relationship between the payment setting amount and the usage amount. Therefore, it is possible to support the user's fund management.

[0082] (Supplementary Note 2) The specific parameter includes the balance of a predetermined medium having asset value, The information processing system according to Supplementary Note 1, wherein the parameter processing unit calculates, for each month, the difference between the payment setting amount and the usage amount, and executes a balance update process of adding the difference to the balance.

[0083] According to the configuration of Supplementary Note 2, it is possible to update the balance monthly according to the magnitude relationship (difference) between the payment setting amount and the usage amount.

[0084] (Appendix 3) A first storage unit that stores account information within a financial institution associated with the user, the first account information related to the debit of the usage amount, and the second account information related to the balance, is further provided. When the difference is positive because the payment set amount is greater than the usage amount, the parameter processing unit executes the balance update process in a manner in which the transfer of the predetermined medium from the first account information to the second account information is realized. The information processing system according to Appendix 2.

[0085] According to the configuration of Appendix 3, the balance can be updated by transferring a predetermined medium from the first account information to the second account information.

[0086] (Appendix 4) The information processing system according to Appendix 2 or 3, further comprising a notification processing unit that generates alert information for alerting the user about the use of the credit card such that the balance becomes negative.

[0087] According to the configuration of Appendix 4, the user can recognize, based on the alert information, that the balance of the second account information is insufficient. In this case, the alert information may include alert information indicating that the balance is insufficient and / or alert information proposing an increase in the payment set amount.

[0088] (Appendix 5) A situation detection unit that detects the product search situation by the user; An induction processing unit that generates induction information for guiding the user to a store where the credit card can be used within the range of the balance when the product search situation is detected. The information processing system according to any one of Appendices 2 to 4.

[0089] According to the configuration of Appendix 5, the user can easily purchase products at a store where the balance will not become insufficient.

[0090] (Appendix 6) A second storage unit that stores the setting information by the user; A purchase processing unit that, based on the setting information, executes a process for purchasing a specific financial product by the amount exceeding the threshold when the balance exceeds the threshold; An information processing system according to any one of Appendices 2 to 5, further comprising:

[0091] According to the configuration of Appendix 6, the user can purchase a financial product with a simple procedure by the process of the purchase processing unit.

[0092] (Appendix 7) A third storage unit that stores target information representing the target of the user; An information generation unit that generates information representing the degree of achievement of the target of the target information based on the target information and the balance; An information processing system according to any one of Appendices 2 to 6, further comprising:

[0093] According to the configuration of Appendix 7, the user can recognize the degree of achievement of his own target by the information generated by the information generation unit.

[0094] (Appendix 8) An information processing program executable by an information processing device, An information processing program that causes the information processing device to realize at least a part of the information processing system according to any one of claims 1 to 7.

Explanation of Signs

[0095] 11 First acquisition unit 12 Second acquisition unit 13 Calculation unit 14 Parameter processing unit 21 First storage unit 31 Notification processing unit 41 Situation detection unit 42 Guidance processing unit 51 Second storage unit 52 Purchase processing unit 61 Third storage unit 62 Information generation unit

Claims

1. A first acquisition unit that acquires a monthly payment setting amount associated with a user; A second acquisition unit that acquires a monthly usage amount by a credit card associated with the user; A calculation unit that calculates, for each month, the relationship between the payment setting amount and the usage amount associated with the user; A parameter processing unit that changes the value of a specific parameter associated with the user based on the calculation result by the calculation unit, and comprises: The specific parameter includes the balance of a predetermined medium having an asset value; The parameter processing unit calculates, for each month, a difference between the payment setting amount and the usage amount, and executes a balance update process of adding the difference to the balance; The information processing system, wherein the predetermined medium is currency, various points, or cryptocurrency.

2. The information processing system further comprises a first storage unit that stores account information within a financial institution associated with the user, the first account information related to the debit of the usage amount, and the second account information related to the balance; When the difference is positive because the payment setting amount is greater than the usage amount, the parameter processing unit executes the balance update process in a manner in which the transfer of the predetermined medium from the first account information to the second account information is realized. The information processing system according to claim 1.

3. The information processing system according to claim 1 or 2, further comprising a notification processing unit that generates alert information for the use of the credit card such that the balance becomes negative.

4. A situation detection unit that detects a product search situation by the user; The information processing system according to any one of claims 1 to 3, further comprising a guidance processing unit that generates guidance information for guiding the user to a store where the credit card can be used within the range of the balance when the product search situation is detected.

5. A second storage unit that stores setting information by the user; The information processing system according to any one of claims 1 to 4, further comprising a purchase processing unit that executes a process for purchasing a specific financial product by an amount exceeding a threshold when the balance exceeds the threshold based on the setting information.

6. A third storage unit that stores target information representing the user's target; Based on the target information and the balance, an information generation unit that generates information representing the degree of achievement of the target of the target information; The information processing system according to any one of claims 1 to 5, further comprising: The information processing system.

7. An information processing program executable by an information processing apparatus, causing at least a part of the information processing system according to any one of claims 1 to 6 to be realized in the above-described information processing apparatus.

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