JP7139539B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An information processing device, an information processing method, and an information processing program capable of assisting a user in using a loan are provided.
Kind Code: A1 In an information processing system, a service providing device 100, which is an information processing device, transmits a loan application received from a service user to a partner financial institution, and sends an amount corresponding to the loan amount to the service user. has a loan processing unit that accepts a charge of electronic money from a financial institution. When transmitting a loan application to a financial institution, the loan processing unit provides the financial institution with information necessary for determining the loan amount in response to a request from the financial institution. The information required to determine the loan amount includes information about the service user and the use of the loan.
[Selection drawing] Fig. 8

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

In recent years, the small investment tax exemption system has been reviewed as one means of asset building by individuals.

In relation to the purpose-based accumulation described above, for example, Patent Literature 1 discloses a reserve balance management system that manages the balance according to the customer's accumulation purpose.

JP 2020-35359 A

However, conventional techniques have room for improvement in assisting users in availing loans.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program capable of supporting the use of loans by users.

The information processing device according to the present application transmits a loan application received from a service user to an affiliated financial institution, and performs loan processing for receiving a charge of electronic money equivalent to the loan amount for the service user from the financial institution. have a part.

According to one aspect of the embodiment, there is an effect that it is possible to assist the user in using the loan.

FIG. 1 is a diagram (part 1) showing an overview of information processing according to the embodiment. FIG. 2 is a diagram illustrating an overview of automatic accumulation processing according to the embodiment. FIG. 3 is a diagram illustrating an information display example (1) according to the embodiment. FIG. 4 is a diagram (part 2) illustrating an overview of information processing according to the embodiment; FIG. 5 is a diagram illustrating an information display example (part 2) according to the embodiment. FIG. 6 is a diagram showing an information display example (part 3) according to the embodiment. FIG. 7 is a diagram illustrating an outline of processing related to financing according to the embodiment. FIG. 8 is a block diagram showing a configuration example of a service providing device according to the embodiment. FIG. 9 is a diagram showing an outline of accumulated information according to the embodiment. FIG. 10 is a diagram showing an overview of account information according to the embodiment. FIG. 11 is a diagram showing an overview of user information according to the embodiment. FIG. 12 is a diagram showing an overview of payment history according to the embodiment. FIG. 13 is a flowchart illustrating an example of an accumulation target registration processing procedure according to the embodiment; FIG. 14 is a flowchart illustrating an example of a funded status provision processing procedure according to the embodiment. FIG. 15 is a flowchart illustrating an example of a processing procedure of a funded status providing process according to the embodiment; FIG. 16 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device according to the embodiment or modification.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "present embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Example of information processing according to the present embodiment]
An example of information processing according to this embodiment will be described below with reference to FIG. FIG. 1 is a diagram (part 1) showing an overview of information processing according to the present embodiment.

As shown in FIG. 1, the information processing system SYS according to this embodiment includes a terminal device 10, a financial institution device 20, and a service providing device 100, which is an example of an information processing device according to the present application. Note that FIG. 1 shows an example of an information processing system SYS according to the present embodiment. other devices may be included.

Also, in the following description, the terminal device 10 may be described as a user UX. That is, the user UX can be read as the terminal device 10 . Also, in the following description, the financial institution device 20 may be described as a financial institution UY. That is, financial institution UY can be read as financial institution device 20 . Further, in the following description, the service providing apparatus 100 may be described as a service provider UZ. That is, the service provider UZ can be read as the service providing device 100 .

The terminal device 10, the financial institution device 20, and the service providing device 100 are connected to a network N (see FIG. 8, for example) by wire or wirelessly. The terminal device 10, the financial institution device 20, and the service providing device 100 can communicate with each other through the network N.

The terminal device 10 is an information processing device used by a user UX who uses various services related to digital money (electronic money) provided by the service provider UZ. In addition, digital money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen and the dollar. good.

The terminal device 10 is realized by an information processing device such as a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or a wearable terminal, for example. be.

When the terminal device 10 receives control information for implementing predetermined information processing from the service providing device 100, the terminal device 10 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It can be described in up language or the like. Note that, in the present embodiment, the predetermined application itself distributed from the service providing apparatus 100 may be regarded as the control information.

The financial institution device 20 is an information processing device used by a financial company UY that has a business tie-up with the service provider UZ. For example, the financial company UY corresponds to financial institutions such as banks and loan companies. The financial institution device 20 is realized, for example, by a single server device or workstation operated and managed by the financial company UY, or by a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation. The financial institution device 20 can provide, for example, the service providing device 100 with API (Application Programming Interface) services related to financial services and accompanying services, various data related to these services, and the like.

The service providing device 100 is an information processing device operated and managed by a service provider UZ, which operates a business of providing various services related to digital money (electronic money). The service providing device 100 is realized by, for example, a single server device or workstation, a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation, or the like. Note that the service providing apparatus 100 may be configured as an apparatus or system in which the subject of information processing is physically or functionally distributed for each service to be provided.

The various services provided by the service providing apparatus 100 include an electronic payment service using digital money, a savings service that implements purpose-specific savings for asset formation according to a predetermined purpose, and the like. These services can be implemented through applications distributed by the service provider UZ to service users (for example, user UX), dedicated websites, and the like.

The service providing apparatus 100 executes payment processing related to product purchases at actual stores, online, etc., in conjunction with the provision of electronic payment services. For example, the service providing device 100 can provide electronic payment services related to electronic payment using the terminal device 10 . Specifically, the service providing apparatus 100 manages an account of a business operator who provides a transaction object such as a product or service and an account of a user to whom the transaction object is provided, and according to a payment request from a user, Various settlements are realized by transferring electronic money between accounts. In other words, the service providing apparatus 100 manages deposits of digital money into settlement accounts (electronic money accounts) owned by service users and withdrawals from these settlement accounts in association with the provision of electronic settlement services.

In addition, the service providing apparatus 100 can provide a user interface for implementing various operations and providing various information related to the savings service through a dedicated application and a dedicated website along with the provision of the savings service. The user interface may be provided in the form of GUI (Graphical User Interface). For example, the service providing apparatus 100 can realize automatic accumulation by using automatic transfer from a bank account specified by a service user (for example, user UX). Specifically, the balance is periodically charged from the bank account to the settlement account linked to the service user, and the savings account linked to the service user is transferred from this settlement account to the savings account. Automatic accumulation is performed by remittance of the reserve amount. Note that the reserve targets are currencies including cash and digital money that are widely and generally circulated, and any medium that has a function of storing value, a function of exchanging value, and a function of measuring value can be adopted as a target of reserve.

The automatic accumulation processing by the service providing apparatus 100 will be specifically described below. FIG. 2 is a diagram illustrating an overview of automatic accumulation processing according to the embodiment. Bank P, which will be described below with reference to FIG. 2, is a partner bank that has a business tie-up with the service provider UZ. Further, in the information processing described below, it is assumed that the user UX has a bank account (representative account) at the bank P.

As shown in FIG. 2, a user UX who is a service user sets a savings target (step S01). For example, the user UX can operate the terminal device 10 to activate a dedicated application or access a dedicated website, thereby executing a setting operation of the savings target. The accumulation target set by the user UX is transmitted from the terminal device 10 to the service providing device 100 . The accumulation target includes information such as the purpose of accumulation, which is the use of the digital money, the target amount, and the amount of accumulation (monthly amount). FIG. 2 exemplifies a case where purpose 1: "car purchase fund" and purpose 2: "expenses for wedding hall" are set as the purpose of accumulation set by the user UX. Further, FIG. 2 exemplifies 20,000 yen per month (20,000 yen/month) as a set reserve amount set for each purpose of accumulation.

When the service providing device 100 receives the accumulation target set by the user UX, it transmits a request to create a target account for purpose accumulation to the bank server 30 (step S02). In FIG. 2, the purpose account creation request sent from the service providing apparatus 100 to the bank server 30 includes the representative account name: "user UX", purpose 1 of accumulation: "funds for purchasing a car", and purpose 2 of accumulation: An example including "wedding hall cost" is shown. In addition, the service providing apparatus 100 manages savings targets received from users UX in association with user accounts individually given to users UX in order to identify the users UX when using various services.

When the bank server 30 receives the request for creation of the target account from the service providing apparatus 100, the bank server 30 creates the target account for purpose saving according to the content of the request (step S03). In the case shown in FIG. 2, the bank server 30 associates the representative account owned by the user UX at Bank P with the target account 1: "car purchase funds" and the target account 2: "wedding hall expenses". Create and manage When the creation of the target account is completed, the bank server 30 transmits a target account opening notification to the service providing apparatus 100 (step S04). As shown in FIG. 2, the bank server 30 can provide the service providing apparatus 100 with information on the representative account name and the target account linked to the representative account name.

The user UX charges electronic money (step S05). The user UX can charge electronic money by operating the terminal device 10 and performing a predetermined charging operation by any method such as activating a dedicated application or accessing a dedicated website. The terminal device 10 transmits charge contents including information such as the charge amount to the service providing device 100 according to the charge operation by the user UX.

When the user UX charges electronic money, the service providing apparatus 100 sorts the charge amount (step S06). For example, the service providing apparatus 100 classifies the amount corresponding to the reserve set amount from the charge amount as the reserve amount, and manages it by linking it to the user UX. Specifically, in the case shown in FIG. 2, the service providing apparatus 100 converts the charge amount of 100,000 yen to 20,000 yen corresponding to the purpose 1: "car purchase funds" and the purpose 2: "wedding hall expenses". A total of 40,000 yen, which is the sum of the corresponding 20,000 yen, is sorted. Then, the service providing apparatus 100 allocates 20,000 yen out of the sorted 40,000 yen as an accumulation purpose corresponding to the purpose 1: "car purchase fund", and the remaining 20,000 yen for the purpose 2: "wedding hall expenses". Allocate it as an accumulation purpose corresponding to , and manage it individually as a money balance that limits normal use. Note that the service providing apparatus 100 manages the remaining 60,000 yen after sorting the accumulated amount from the charge amount as the normal usage money balance. Note that the service providing apparatus 100 may perform sorting for accumulation purposes at a predetermined timing. Examples of the predetermined timing include after charging from the user UX and after a predetermined period of time has elapsed. As a result, for example, when the charge amount is less than the reserve set amount, it is possible to wait for a certain period of time until the total charge amount exceeds the reserve set amount due to subsequent charges.

After sorting the charge amount, the service providing apparatus 100 executes a remittance process of automatically remitting the accumulation purpose amount to the accumulation purpose account linked to the user UX at a predetermined timing (step S07). For example, the service providing apparatus 100 can execute remittance processing at a predetermined timing. The predetermined timing may be, for example, immediately after the sorting of the charge amount is completed, or it may be a designated day of the month preset by the user UX (for example, the 27th of each month). For example, as shown in FIG. 2, the service providing device 100 can transmit information indicating the remittance amount corresponding to each target account when remittance to the bank server 30 operated and managed by P Bank.

The bank server 30 charges the target account according to the contents of the remittance from the service providing device 100 (step S08). For example, in the case shown in FIG. 2, the bank server 30 accumulates 20,000 yen for each of the target accounts 1 and 2 linked to the representative account of the user UX.

In this way, when the service user charges the service, the service providing device 100 automatically accumulates the accumulation purpose sorted from the charge amount in the accumulation purpose account owned by the service user. can be done.

Further, when the charge amount is less than the set accumulation amount, the service providing apparatus 100 may sort the charges for the accumulation purpose based on a preset priority among the accumulation purposes. For example, in the example shown in FIG. 2, if the user UX has preset the purpose 1 of the purpose 1: "car purchase funds" and the purpose 2: "wedding hall expenses", the service providing apparatus 100 may sort the reserve setting amount corresponding to the purpose 1 from the charge amount and preferentially allocate it as the reserve amount corresponding to the purpose 1.

In addition, when the charge amount is less than the accumulation set amount, the service providing apparatus 100 may notify the user UX of a proposal for manual remittance for the accumulation purpose. For example, the service providing apparatus 100 may notify the user UX that the charge amount is less than the accumulation set amount and that manual remittance for the accumulation purpose is proposed.

Further, for example, if the opening of the target account of the user UX has not been completed at the bank P, the service providing apparatus 100 temporarily stores the savings amount of the user UX on the dedicated application until the opening of the target account is completed. can be managed systematically.

As described above, according to the automatic accumulation process according to the embodiment, the service user (for example, the user UX) can easily achieve accumulation for each purpose simply by charging delta money. In this way, the service providing apparatus 100 can contribute to improving the success rate of accumulation targets by minimizing the trouble of service users required for accumulation for each purpose through the existing platform for electronic payment. As a result, the service providing apparatus 100 can support the service user's asset formation according to a predetermined purpose.

In addition, such a service providing apparatus 100 executes information processing according to the embodiments described below in relation to the provision of the accumulation service described above. Information processing according to the embodiment will be described below with examples.

(1-1. Reserve target registration process)
The accumulation target registration process executed in the information processing system SYS according to the embodiment will be described below with reference to FIG. As shown in FIG. 1, when the terminal device 10 receives a setting of a digital money accumulation target from the user UX, the terminal device 10 transmits information on the set accumulation target to the service providing device 100 (step S1). For example, the accumulation target may include information such as the purpose of accumulation, which is the use of the digital money, the target amount, and the accumulation amount (monthly amount).

On the other hand, when the service providing device 100 receives the information about the savings target from the terminal device 10, it transmits a provisional examination request to the financial institution device 20 (step S2). A provisional examination request is a request for a simple examination (provisional examination) that can be immediately implemented by the financial institution UY using predetermined data items related to the user UX. As an example of the information necessary for provisional examination, the date of birth of the subject of provisional examination (for example, user UX), the number of borrowings from other companies, the borrowing amount, the annual income, the number of years of service, and the desired borrowing amount are assumed. The provisional examination of the user UX tentatively determines the maximum amount that can be loaned to the user UX at the present time, the interest rate that is applied at the time of the loan, and the like. Note that the service providing apparatus 100 may acquire, for example, information necessary for a plurality of affiliated financial firms UY to perform provisional examination from user information managed in advance. The information necessary for the financial company UY to conduct a provisional examination may be obtained from the user UX by requesting it from the UX. The service providing apparatus 100 provides information necessary for provisional examination when making a provisional examination request to the financial company UY. As will be described later, the service providing apparatus 100 acquires the results of provisional examinations from a plurality of affiliated financial firms UY, and presents the best loan conditions for the user UX from among the obtained results of provisional examinations. Preliminary screening results can be selected and provided as information regarding financing. The best loan conditions may be, for example, a lower interest rate than other loan conditions or a minimum down payment.

The service providing apparatus 100 can apply for a provisional examination request for each purpose of accumulation. Further, the service providing apparatus 100 may include the purpose of accumulation as information necessary for provisional examination. Also, for a financial company UY that provides loans regardless of the purpose of use, the purpose of saving does not have to be included in the information necessary for provisional examination.

The financial institution device 20 receives the provisional examination request from the service providing device 100, executes provisional examination processing, and transmits the provisional examination result to the service providing device 100 (step S3).

When the service providing apparatus 100 receives the provisional examination result from the financial institution apparatus 20, it associates it with the user UX and registers the provisional examination result for the user UX as accumulation information together with information regarding the accumulation target set by the user UX ( step S4).

Note that the service providing apparatus 100 does not need to immediately transmit the provisional examination request upon acquisition of the information regarding the savings target set by the service user such as the user UX, and may transmit the provisional examination request at any timing. Further, the service providing apparatus 100 may resend the provisional examination request when there is a change in the personal information of the service user who did not pass the provisional examination.

(1-2. Example of information display associated with accumulation target registration processing)
An example of information displayed on the terminal device 10 in connection with the accumulation target registration process will be described below with reference to FIG. FIG. 3 is a diagram showing an example (part 1) of information display according to the present embodiment. In addition, below, an example of screen information displayed on the terminal device 10 through an application that provides various functions related to the savings service (hereinafter referred to as a "savings application") will be described. Note that this accumulation app may be configured as a mini-app that starts up within an application for using the payment service (hereinafter referred to as the "payment app"), or may be provided independently of the payment app. It can be an application.

As shown in FIG. 3, on the display 11 provided in the terminal device 10, image information G1 for executing purpose-specific accumulation is displayed overlaid on the top screen W1 of the accumulation application as the accumulation application is executed (step S11). ). Note that FIG. 3 shows an example in which the image information G1 is overlaid on the top screen W1. may be displayed in In this case, when the user UX operates this icon, a purpose selection screen W2, which will be described later, is displayed on the display 11. FIG.

Further, when the user UX operates the image information G1, the display 11 displays a purpose selection screen W2 for accepting the selection of the purpose of accumulation of digital money from the user UX (step S12).

A plurality of icons OB preliminarily categorized as the purpose of accumulation are displayed on the purpose selection screen W2. The icon OB1 is selected by the user UX when the purpose of accumulating digital money is to purchase a car (including two wheels). The icon OB2 is selected by the user UX when the purpose of saving is the expenses for ceremonial occasions such as wedding ceremony hall expenses. The icon OB3 is selected by the user UX when the purpose of the savings is to fund education, acquire qualifications, or improve skills. The icon OB4 is selected by the user UX when the purpose of saving is the expense for outdoor activities such as camping. The icon OB5 is selected by the user UX when the purpose of saving is housing-related expenses such as housing purchase and renovation. The icon OB6 is selected by the user UX when the cost is for purchasing electronic equipment such as replacement of a smart phone. The icon OB7 is selected by the user UX in the case of travel-related expenses such as an airline ticket purchase price or a travel fee. Note that the icon OB shown in FIG. 3 is just an example, and more icons OB than the example shown in FIG. 3 may be included in order to categorize the desired items of the user UX in detail.

For example, when the user UX operates the icon OB1 on the purpose selection screen W2, the display 11 displays an accumulation target setting screen W3 for setting an accumulation target corresponding to the purpose of accumulation corresponding to the icon OB1. (step S13). In this way, the service providing apparatus 100 can receive from the user UX the setting of the accumulation goal for each purpose of accumulation.

On the accumulation target setting screen W3, "car purchase" corresponding to the icon OB1 is displayed as the purpose of accumulation. An input box BX1 for accepting input of a target amount and an input box BX2 for accepting input of a monthly savings amount are displayed on the savings target setting screen W3. Further, on the accumulation target setting screen W3, a transmission button G2 is displayed for transmitting to the service providing apparatus 100 information on the accumulation target including information on the purpose of accumulation, the target amount, and the accumulation amount.

A detailed setting button G3 is displayed on the accumulation target setting screen W3. The detailed setting button G3 is a button for accepting more detailed settings from the user UX regarding the purpose of accumulation. For example, if the user is purchasing a car, the user UX can set detailed information such as the car name, model year, and grade of the car that the user wishes to purchase using the detail setting button G3.

Further, when the user UX operates the transmission button G2 on the accumulation target setting screen W3, the transmission completion screen W4 is displayed on the display 11 (step S14). The transmission completion screen W4 displays a purpose addition button G4 for adding a purpose of accumulation, a button G5 for returning to the top screen W1, and the like.

For example, when the user UX operates the purpose addition button G4 on the transmission completion screen W4, the display 11 redisplays the purpose selection screen W2 shown in step S12. Further, when the user UX operates the button G5 on the transmission completion screen W4, the display 11 redisplays the top screen W1 shown in step S11.

(1-3. Funding status provision processing)
The funded status providing process executed in the information processing system SYS according to the embodiment will be described below with reference to FIG. FIG. 4 is a diagram (part 2) showing an outline of information processing according to the present embodiment.

As shown in FIG. 4, when the terminal device 10 receives a request to display the accumulation status of digital money from the user UX, the terminal device 10 transmits a request to display the accumulation status to the service providing apparatus 100 (step S21).

On the other hand, when the service providing apparatus 100 receives the accumulated status display request from the terminal device 10, the service providing apparatus 100 acquires information on the accumulated status of the user UX linked to the display request (step S22). The information on the funded status includes information on the current funded balance. Then, the service providing apparatus 100 transmits the acquired information regarding the funded status to the terminal apparatus 10, which is the source of the display request (step S23).

Here, the service providing apparatus 100 provides a button (for example, buttons G9 and G10 shown in FIG. 5) for accepting an acquisition request for information on financing from the user UX, which is the sender of the display request, together with information on the funded status. can. Buttons G9 and G10 shown in FIG. 5 function as receiving means for receiving a request for obtaining information on financing from the user UX. Note that the accepting means is not limited to being configured by buttons, and may be configured by operation icons that can be operated by various touch operations such as tapping, sliding, long-touching, and swiping. A predetermined touch gesture itself on W6 (see FIG. 5, for example) may be used as the receiving means. When the service providing apparatus 100 receives a request to acquire information on financing from the user UX through a button for accepting a request to acquire information on financing, the service providing apparatus 100 performs provisional screening of the user UX with respect to a plurality of affiliated financial companies UY. A result of provisional examination presenting the best financing conditions for the user UX is selected from among the results of provisional examination obtained from a plurality of financial firms UY, and provided as information on financing. It should be noted that the button for accepting an acquisition request for loan-related information (for example, buttons G9 and G10 shown in FIG. 5) is provided on the condition that the user UX passes the provisional examination concerning the loan carried out in advance by the user UX. may be provided with information about Note that the provisional examination may be performed by the service providing apparatus 100 on behalf of the financial institution UY for the user UX.

Further, when providing information on financing, the service providing apparatus 100 provides an examination application button (for example, button G12 shown in FIG. 5) for receiving financing. The examination application button functions as examination application means for receiving a loan. Note that the examination application means is not limited to being configured by buttons, and may be configured by operation icons that can be operated by various touch operations such as tapping, sliding, long-touching, and swiping. A predetermined touch gesture itself for W7 (see FIG. 5, for example) may be used as the receiving means.

(1-4. Example of information display associated with funding status provision processing)
An example of information displayed on the terminal device 10 in connection with the funded status providing process will be described below with reference to FIG. FIG. 5 is a diagram showing an information display example (part 2) according to the present embodiment. In addition, below, an example of the screen information displayed on the terminal device 10 through the accumulation application will be described.

As shown in FIG. 5, on the top screen W1 displayed on the display 11 of the terminal device 10, after the setting of the accumulation target is completed, an image G6 of accumulation by purpose is displayed (step S31).

Further, when the user UX operates the image G6 on the top screen W1, the display 11 displays an accumulation status display screen W5 for presenting information indicating the accumulation status to the user UX (step S32). On the accumulation status display screen W5, the current accumulation balance, the achievement rate of the target amount, the monthly accumulation amount, and the like are displayed as information indicating the accumulation status. In addition, in the example shown in FIG. 5, information such as the amount that can be borrowed is displayed on the accumulation status display screen W5.

The accumulation status display screen W5 also displays a wish list display button G7 for displaying a wish list presenting a list of the accumulation status for each purpose of accumulation set by the user UX.

For example, when the user UX operates the wish list display button G7 on the accumulated status display screen W5, a wish list display screen W6 is displayed on the display 11 (step S33). In addition, in the example shown in FIG. 5, the details of the information displayed on the wish list display screen W6 are enlarged for convenience of explanation.

The wish list display screen W6 displays a switching display button G8 for switching between the wish list and the inventory list. As will be described later, the inventory list presents a list of products, etc., that have become the property of the user UX after achieving the accumulation target and making payments using the accumulated digital money, among the products displayed in the wish list. Here is a list for

In addition, the wish list display screen W6 displays information on the accumulated balance and accumulation setting (accumulated amount) for each purpose of accumulation. In the example shown in FIG. 5, information indicating that the purchase of a car is the purpose of accumulation and information that the purpose of accumulation is the cost of a wedding ceremony are displayed. On the other hand, the information for the purpose of saving the purchase of a car includes an image of a car with the car name "EX1-1" that the user UX wishes to purchase, a reserve balance: "1,200,000 yen", and a reserve setting: "20,000 yen." / month”. The other information for the purpose of accumulating the cost of the ceremony hall for the wedding includes an image of the wedding hall "EX2" where the user UX plans to hold the ceremony, the reserve balance: "1,000,000 yen", and the reserve setting: "2 10,000 yen/month”.

Note that if the target object for accumulation is not distributed in the market, the service providing apparatus 100 acquires and manages information on a substitute for the target object, and when providing information on the accumulated balance, the service providing apparatus 100 obtains and manages provide information on alternatives in place of information on For example, when the service providing apparatus 100 acquires information about a missing item or a model change for an item displayed on the wish list display screen W6, the service providing apparatus 100 manages the image of the item displayed on the wish list display screen W6 as a substitute item. automatically replace it with an equivalent product.

In addition, on the wish list display screen W6, a button G9 for accepting a request from the user UX to acquire information on financing for early realization of the accumulation target is provided for each of the information indicating the accumulation status corresponding to the purpose of accumulation. A button G10 is displayed. These buttons G9 and G10 are displayed when a predetermined condition is satisfied. For example, these buttons G9 and G10 are displayed on the condition that the user UX passes a provisional screening regarding financing, which is performed in advance by the user UX. In the example shown in FIG. 5, a button G9 labeled "BUY NOW" is displayed in association with information indicating that purchasing a car is the purpose of accumulation. Further, in the example shown in FIG. 5, a button G10 labeled "immediate reservation" is displayed in association with information for the purpose of saving wedding ceremony hall expenses.

For example, when the user UX operates the button G9 on the wish list display screen W6, the display 11 displays an examination application screen W7 for receiving a loan (step S34).

The examination application screen W7 displays user merit information J1 indicating the merits of the user UX by receiving a loan, and loan information J2 indicating the content of the loan. In FIG. 5, as the user merit information J1 displayed on the examination application screen W7, it is shown that it is possible to immediately realize the vehicle purchase, which is the purpose of the accumulation, by repaying the same amount as the accumulation amount set as the accumulation target. .

In addition, the service providing apparatus 100 also acquires provisional loan conditions as a result of the provisional examination obtained from the financial company UY in response to the provisional examination request. Specifically, when requesting a provisional examination, the service providing device 100 requests the financial institution device 20 to match the desired loan conditions with a down payment of the reserve balance that the user UX has accumulated so far using the reserve service. offer. For example, the service providing device 100 uses the loan for the purpose of use: purchase of a car, down payment: 1,200,000 yen (an example of accumulated accumulated balance), desired amount: 800,000 yen, monthly repayment amount: 20,000 yen. Set as a condition. The service providing apparatus 100 can set the same amount as the reserve amount (for example, 20,000 yen) set in the reserve service as the monthly repayment amount to be included in the desired loan terms. In FIG. 5, the loan information J2 displayed on the examination application screen W7 includes the payment period (for example, 47 months), the interest rate (for example, 8%), the loan amount (for example, 800,000 yen), and the total payment amount. Information such as the amount (for example, 940,000 yen) is shown.

Note that the service providing apparatus 100 requests a provisional examination of the user UX from a plurality of affiliated financial firms UY as the loan information J2, and selects the user UX from among the results of the provisional examination acquired from the plurality of financial firms UY. The result of the provisional examination that presents the best loan conditions for UX is selected and provided to the user UX as information on the loan. The best loan conditions may be, for example, a lower interest rate than other loan conditions or a minimum down payment.

Further, on the examination application screen W7, there are buttons G11-1 and G11-2 for switching and displaying the image of the vehicle currently selected as the loan target, a button G12 for applying for examination, and a button G12 for applying for examination. A button G13 for searching information is displayed.

Buttons G11-1 and G11-2 displayed on the examination application screen W7 are used to rotate the image of the car with the car name "EX1-1" currently selected as the loan target clockwise or counterclockwise, This is a button for switching and displaying the image of the car with the car name "EX1-2" or the car with the car name "EX1-3". That is, the service providing apparatus 100 selects a selected object (for example, a car with a car name of "EX1-2" or a vehicle name "EX1-3") is acquired in advance and managed. For example, the car with the car name "EX1-2" and the car with the car name "EX1-3" are listed on the wish list set by the user UX by the service providing device 100. automatically extracted based on These cars may be similar to the cars on the wish list that are being selected for financing, or they may be cars with higher grade specifications than the cars on the wish list. , the vehicle may be a vehicle with economical specifications that require lower maintenance costs and taxes than the vehicle on the wish list. The service providing apparatus 100 can provide the information of the selected object together with the information of the object when providing the information of the object.

In addition, the examination application screen W7 can display the user merit information J1 and the loan information J2 corresponding to other automobiles switched and displayed by the button G11-1 and the button G11-2 by the user UX. That is, when the service providing apparatus 100 receives from the user UX a request for acquisition of information on financing of a target object (for example, a car with the car name “EX1-1”), the service providing apparatus 100 sends the target to a plurality of affiliated financial firms. Request a provisional review of the user UX, including objects and selections (eg, a car with the car name “EX1-2” or a car with the car name “EX1-3”). Then, the service providing apparatus 100 selects, for each of the target object and the selected object, the result of the provisional examination that presents the best financing conditions for the user UX from among the results of the provisional examination acquired from the plurality of financial firms, and provides financing. is provided to the user UX as information about For example, when the service providing apparatus 100 receives a switching operation from the user UX from the vehicle name "EX1-1" to the vehicle name "EX1-2" on the examination application screen W7, the vehicle name "EX1- 2” can be displayed on the examination application screen W7.

Note that the service providing apparatus 100 selects a selected object (for example, a car with the car name "EX1-2" or a car with the car name ) may be switched and displayed. Then, the service providing apparatus 100 may receive from the user UX a request to acquire information on financing for the selected items that have been switched and displayed.

In addition, the savings application executed on the terminal device 10 transmits a formal application for examination to the financial institution device 20 by accepting the operation of the button G12 for applying for examination. In this case, the service providing device 100 provides the financial company UY with information necessary for formal examination (main examination) for obtaining a loan. As an example of the information necessary for the main examination, in addition to the above-mentioned information necessary for the provisional examination, the user UX name, address, gender, family structure, remaining repayment period (if there is a loan) , the name of the place of employment, the type of residence, the number of years of residence, etc. are assumed. In addition, the accumulation application can display a list of affiliated dealers and authorized dealers by receiving an operation from the user UX on a button G17 for searching for information on used car dealers.

(1-5. Example of information display of inventory list)
An example of information displayed on the terminal device 10 in connection with the funded status providing process will be described below with reference to FIG. FIG. 6 is a diagram showing an information display example (part 3) according to the present embodiment. In addition, below, an example of the screen information displayed on the terminal device 10 through the accumulation application will be described.

As shown in FIG. 6, on the top screen W1 displayed on the display 11 of the terminal device 10, an image G6 of accumulation by purpose is displayed (step S41), as in step S21 shown in FIG.

Further, when the user UX operates the image G6 on the top screen W1, the display 11 displays an accumulation status display screen W5 for presenting information indicating the accumulation status to the user UX (step 42). Similar to step S22 shown in FIG. 6, the accumulation status display screen W5 displays the current accumulation balance, the achievement rate of the target amount, the monthly accumulation amount, and the like as information indicating the accumulation status.

In addition to the wish list display button G7, a property list display button G14 is displayed on the accumulated status display screen W5, unlike step S22 shown in FIG. The property list display button G14 is a button for displaying a property list presenting a list of properties owned by the user UX. The property list display button G14 is activated when the user UX achieves the purpose of accumulation and purchases products or the like listed on the wish list by making payments using the electronic payment service using the accumulated digital money as a source of funds. It is displayed on the accumulation status display screen W5.

For example, when the user UX operates the property list display button G14 on the accumulation status display screen W5, the property list display screen W8 is displayed on the display 11 (step S43). In the example shown in FIG. 6, the details of the information displayed on the property list display screen W8 are enlarged for convenience of explanation.

On the property list display screen W8, similarly to the wish list display screen W6 (see FIG. 5), a switching display button G8 for switching between the wish list and the property list is displayed.

In addition, on the property list display screen W8, information on possessions such as purchased products is displayed. In the example shown in FIG. 6, the property information includes an image of a car with the car name “EX1-1”, the purchase date: “2021/10/10”, and the purchase price: “2 million yen”. is displayed.

Further, on the property list display screen W8, a button G15 for accepting a request for purchase assessment of a property from the user UX is displayed for each piece of property information. This button G15 may be displayed when a predetermined condition is satisfied. For example, this button G15 may be displayed on the condition that a predetermined period of time has elapsed after listing information on the property in the property list. Alternatively, this button G15 may be displayed based on settings received in advance from the user UX. Alternatively, this button G15 may be displayed subject to the timing of the seller's market, based on the relationship between supply and demand for property in the market.

For example, when the user UX operates the button G15 on the property list display screen W8, the display 11 displays a purchase request for applying for a purchase assessment of the car with the car name "EX1-1" associated with the button G15. An assessment application screen W9 is displayed (step S44).

On the purchase assessment application screen W9, information J3 indicating the purchase market price of the car with the car name "EX1-1" and information J4 indicating the model year and mileage are displayed. For example, the service providing apparatus 100 may display the average market price over a predetermined period up to the present as the purchase market price. Further, the service providing apparatus 100 may display the purchase price in a price range consisting of the lowest price and the highest price in the market. The purchase assessment application screen W9 also displays a button G16 for applying for a purchase assessment and a button G17 for searching information on used car dealers.

The accumulation application executed in the terminal device 10 accepts the operation of the button G16 for applying for purchase assessment from the user UX, and makes a formal application for purchase assessment to the affiliated used car dealer. Send. In addition, the accumulation application can display a list of affiliated used car dealers by receiving an operation of the button G17 for searching information on used car dealers from the user UX.

As described above, the service providing apparatus 100, which is an example of the information processing apparatus according to the embodiment, receives from the service user, for example, the setting of the currency accumulation target for each accumulation purpose, and to manage. In addition, the service providing apparatus 100 provides information on the accumulated balance to be automatically accumulated in accordance with the settings, as well as information on financing for early realization of the purpose of accumulation. In this way, the service providing apparatus 100 can link the digital money savings scheme and the loan acquisition scheme, and support early realization of the service user's life plan through these schemes.

An example of processing relating to a loan applied for by the user UX through, for example, the examination application screen W7 shown in FIG. 5 will be described below with reference to FIG. FIG. 7 is a diagram illustrating an outline of processing related to financing according to the embodiment.

As shown in FIG. 7, when the service providing apparatus 100 receives a loan application from the user UX through a dedicated application or the like (step S51), the service providing apparatus 100 sends information necessary for determining the loan amount along with the loan application to the financial institution apparatus. 20 (step S52). The service providing apparatus 100 can provide the financial institution with information necessary to determine the loan amount for the user UX in response to a request from the financial institution.

The information necessary for determining the loan amount includes information on the user UX, use of the loan, and the like. The information on the user UX includes a user account given to the user UX by the service providing apparatus 100, a reserve amount related to financing, and the like. The use of the loan includes information indicating the purchaser who purchases the transaction target such as goods and services with the loan, and information indicating the scheduled date of payment for the purchase of the transaction target.

Upon receiving a loan application for user UX from service providing apparatus 100 , financial institution apparatus 20 determines a loan amount for user UX based on information provided from service providing apparatus 100 . Then, for example, when the loan contract with the user UX is finalized, the financial institution device 20 charges the user account of the user UX with electronic money corresponding to the determined loan amount (for example, 1.8 million yen). (step S53).

The service providing apparatus 100 sorts out the amount of the loan when electronic money corresponding to the amount of the loan is charged from the financial institution apparatus 20 (step S54). For example, the service providing apparatus 100 calculates the difference between the accumulation target and the accumulation amount corresponding to the user UX, sorts the calculated difference according to the purpose of accumulation, and manages it by linking it to the user account of the user UX. Specifically, in the case shown in FIG. 7, the service providing apparatus 100 converts the charge amount of 1,800,000 yen to 800,000 yen corresponding to the purpose 1 (car purchase funds) and to the purpose 2 (wedding hall expenses). Divided into 1,000,000 yen and managed individually as a money balance that limits normal use.

Further, the service providing device 100 reflects the loan amount from the financial institution device 20 in the money balance of the user UX (step S55). As a result, the money balance (total balance) of the user UX temporarily increases.

The user UX goes to the automobile dealer (company A) designated as the use of the loan on the scheduled payment date, and uses the terminal device 10 to make a payment. Accordingly, the terminal device 10 transmits a payment request to the service providing device 100 (step S56-1). Further, the user UX goes to the wedding ceremony service company (company B) designated as the use of the loan on the scheduled payment date, and uses the terminal device 10 to make a payment. Along with this, the terminal device 10 transmits a payment request to the service providing device 100 (step S56-2).

The service providing apparatus 100 executes corresponding payment processing in response to the payment request from the user UX (step S57). Further, the service providing apparatus 100 receives from the terminal device 10 a transmission request for the payment history selected by the user UX through a screen W10 displayed on the terminal device 10 by a dedicated application provided to the user UX. A screen W10 shown in FIG. 7 is a screen that displays a list of settlements made with a loan from a financial institution. The screen W10 is configured so that each payment history can be selected. In addition, when the user UX selects a payment history, the screen W10 displays a popup for confirming whether or not to transmit to the financial institution that received the loan. When the terminal device 10 receives an instruction to transmit the selected payment history from the user UX through the popup displayed on the screen W10, the terminal device 10 transmits a payment history transmission request to the service providing device 100 (step S58).

When the service providing device 100 receives a transmission request for the selected payment history from the user UX, the service providing device 100 provides the selected payment history to the financial institution device 20 (step S59). Note that the service providing apparatus 100 may automatically transmit the payment history to the financial institution apparatus 20 instead of transmitting it to the financial institution apparatus 20 in response to a request from the user UX. For example, the service providing device 100 may transmit the payment history to the financial institution device 20 upon completion of payment.

As described above, according to the loan-related processing according to the embodiment, the service providing apparatus 100 provides the financial institution with information necessary for determining the loan amount for the service user, and Provide the financial institution with the settlement history. In this manner, the service providing apparatus 100 can assist the service user in using the loan.

[2. Device configuration example]
The configuration of the service providing apparatus 100 according to this embodiment will be described below. FIG. 8 is a block diagram showing a configuration example of a service providing device according to the embodiment.

As shown in FIG. 8, the service providing apparatus 100 performs processing related to various services related to digital money provided by the service provider UZ (see FIG. 1, etc.) to the service user UX (see, eg, FIG. 1 etc.). Run. As shown in FIG. 6, the service providing device 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information via the network N to and from the terminal device 10, the financial institution device 20, the bank server 30, and the like. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . Storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 2, the storage unit 120 has a savings information storage unit 121, an account information storage unit 122, a user information storage unit 123, and a settlement history storage unit .

(Regarding accumulation information storage unit 121)
The accumulation information storage unit 121 stores accumulation information relating to the accumulation target of digital money received from each service user for each purpose of accumulation. FIG. 9 is a diagram showing an outline of accumulated information according to the embodiment. Note that FIG. 9 shows an example of accumulation information according to the embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 9, the accumulation information stored in the accumulation information storage unit 121 includes items of "user ID", items of "purpose", items of "target amount", and items of "amount of accumulation (monthly)". items, "temporary examination results", and "financing conditions (loan amount|interest rate (annual rate))". These items in the reserve information are associated with each other.

The “user ID” item stores a user ID (identification information) that is individually assigned to each service user (for example, user UX) when registering for use of the savings service provided by the service provider UZ. be done.

Information indicating the purpose of the accumulation is stored in the "purpose" item. Information indicating the purpose of accumulation is received from each service user, for example, through the aforementioned purpose selection screen W2 (see, for example, FIG. 3).

The "target amount" item stores information indicating a target amount that is set when saving. Information indicating the target amount is received from each service user, for example, through the above-described accumulation target setting screen W3 (see, for example, FIG. 3).

In the item of "reserve amount (monthly)", information indicating the monthly reserve amount that is set when making a reserve is stored. Information indicating the accumulated amount is received from each service user, for example, through the aforementioned accumulated goal setting screen W3 (see, for example, FIG. 3).

The item "provisional examination result" stores information indicating the result of provisional examination for provisionally determining whether or not financing is possible for each service user. Information indicating the result of the provisional examination is obtained from the financial company UY by the service provider UZ requesting the financial company UY to conduct a preliminary examination of the service user who has set the savings target.

The item of "financing conditions" stores information on the financing conditions. Information on loan terms includes information on loan conditions including information on the maximum amount that can be loaned to the user UX determined by provisional examination by the financial company UY and information on the interest rate applied at the time of loan. be done. Information on loan conditions is obtained from the financial company UY together with information indicating the results of the provisional examination.

For example, according to FIG. 9, a service user whose user ID is "U#001" has a target amount of 2,000,000 yen and a monthly amount of 20,000 yen for the purpose of saving the purchase of a car. It is shown. Further, according to FIG. 7, as a result of the provisional examination for this user, the loan is possible, and the loan condition is shown with a maximum amount of 2,000,000 yen and an interest rate (annual rate) of 8%.

(Regarding the account information storage unit 122)
The account information storage unit 122 stores information about a digital money savings account linked to a service user. FIG. 10 is a diagram showing an overview of account information according to the embodiment. Note that FIG. 10 shows an example of account information according to the embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 10, the account information stored in the account information storage unit 122 includes items such as "account ID", "owner ID", "total balance", and "details". has multiple items of These items of account information are associated with each other. Account information is managed for each service user.

The "account ID" item stores an account ID (identification information) that is uniquely assigned to each money account in order to identify the money account of each service user. The money account is a wallet that manages the electronic money balance held by the service user, and is linked to a user account that is individually assigned to each service user.

The “owner ID” item stores an owner ID (identification information) that is individually assigned to each owner to identify the owner of the money account linked to the account ID. As an example, a user ID that is individually assigned to each service user when using the savings service may be used as the owner ID.

The "total balance" item stores information indicating the total balance (accrued balance) of digital money held in the money account.

The item of "breakdown" has an item of "regular use" and an item of "amount for savings". The item "usually used amount" stores the money balance that can be used for normal settlement. A money balance corresponding to the purpose of saving is stored in the item of "amount for purpose of saving". The money balance stored in the item of "funded purpose" cannot be used for normal settlement or the like.

For example, according to FIG. 10, the owner of the savings account linked to the account ID: "AC#1" is the service user to whom the owner ID: "U#001" is assigned. ,000 yen” is held in the money account. Further, according to FIG. 10, out of the money balance, "60,000 yen" is held for normal use, and "40,000 yen" is held for accumulation purpose. In addition, according to FIG. 10, of the funds for the purpose of saving, "20,000 yen" is held for purpose 1: car purchase funds, and "20,000 yen" is held for purpose 2: wedding hall expenses. It is

Note that the "total balance" item may be further divided according to the digital money management method. For example, the "total balance" item may be divided into the "salary" item and the "non-salary" item. In this case, the "salary" item stores information indicating the balance of digital money deposited as salary out of the total balance stored in the "total balance" item. The item "other than salary" stores information indicating the balance of digital money deposited under the name other than salary, out of the total balance stored in the "total balance" item.

Also, the "non-salary" items may be further divided into items such as "normal" items and "profit" items. In this case, the "normal" item stores information indicating the balance of the digital money charged by the owner of the settlement account. For example, the information stored in the "normal" item may include information indicating the balance of digital money deposited from a credit card or bank account linked to the payment account. Also, for example, the information stored in the item "Profit" indicates the balance of digital money cashed back against the payment amount when the operator Y uses the electronic payment service provided to the service user. information, etc.

When the service providing apparatus 100 confirms the payment from each service user by, for example, a payment notification from the bank server 30, the service providing apparatus 100 adds money equivalent to the payment amount to the money account corresponding to each service user. Add the balance. For example, when the service providing apparatus 100 confirms that 100,000 yen has been deposited by the user UX, the service providing apparatus 100 divides digital money equivalent to 100,000 yen into a money account linked to the user UX for normal use and for accumulation purposes. Add the balance.

(Regarding the user information storage unit 123)
The user information storage unit 123 stores various user information regarding service users. FIG. 11 is a diagram showing an overview of user information according to the embodiment. Note that FIG. 11 shows an example of user information according to the embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 11, the user information stored in the user information storage unit 123 includes items of "user ID", items of "personal information", items of "residence information", and items of "place of work information". It has a plurality of items such as an item and an item of "borrowing information". These items of user information are associated with each other.

The “user ID” item stores a user ID (identification information) that is individually assigned to each service user (for example, user UX) when registering for use of the savings service provided by the service provider UZ. be done.

Personal information about the service user is stored in the item of "personal information". Personal information includes information such as name, gender, family structure, and annual income. The "residence information" item includes information such as postal code, address, and residence form.

The item of "place of work information" includes information such as place of work name, place of work address/contact information, type of work, type of industry/type of job, department, date of employment, and the like. The item of "borrowing information" includes information such as whether or not there is a housing loan or card loan, and the amount borrowed from other companies.

The user information may include information such as e-mail addresses and passwords used for account management of service users, in addition to the information corresponding to the above items.

(Regarding the payment history storage unit 124)
The settlement history storage unit 124 stores the history of settlements made by the service user with a loan from a financial institution affiliated with the service provider UZ. FIG. 12 is a diagram showing an overview of payment history according to the embodiment. Note that FIG. 12 shows an example of the settlement history according to the embodiment, and may be configured in a form different from the example shown in FIG. The payment history is managed for each service user.

As shown in FIG. 12, the payment history stored in the payment history storage unit 124 includes items such as "user ID", "payment number", "payee", and "scheduled payment date". It has a plurality of items such as an item, a “loan amount” item, and a “settlement amount” item. These items in the payment history are associated with each other.

In the "user ID" item, a user ID (identification information) that is individually assigned to each service user (for example, user UX) when registering for use of the savings service provided by the service provider UZ is stored. be done. The item "payment number" stores identification information for identifying the payment made by the service user. The item "payee" stores information indicating the payee specified by the service user as the purpose of the loan. The item "scheduled payment date" stores information indicating the scheduled payment date specified by the service user as the purpose of the loan. Information indicating the amount of loan received by the service user from the financial institution is stored in the item "loan amount". The item "settlement amount" stores information indicating the amount of the settlement made with the loan.

According to FIG. 12, in the payment history identified by the payment number "Payment #1" for which the service user with the user ID "U#001" received a loan from a financial institution, the payee is "Company A”, the scheduled payment date is “March 31, 2022”, the loan amount is “800,000 yen”, and the settlement amount is “2,000,000 yen”.

(Regarding the control unit 130)
The control unit 130 is a controller that controls the service providing apparatus 100 and performs calculations. Each part of the control unit 130 executes various programs stored in a storage device inside the service providing apparatus 100 using a RAM as a work area, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). It is realized by Also, the control unit 130 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or an SoC (System on a Chip).

As shown in FIG. 8, the control unit 130 has a management unit 131, a remittance unit 132, a provision unit 133, and a loan processing unit . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. 8 . Although the description is omitted, the internal configuration of the control unit 130 is not limited to the units shown in FIG. good.

(Regarding the management unit 131)
The management unit 131 manages, for each service user, a digital money accumulation target received from a service user for each purpose of accumulation.

For example, management unit 131 transmits a provisional examination request to financial institution device 20 upon receiving information regarding a savings target from a service user (for example, user UX) via communication unit 110 . Note that the management unit 131 can apply for a provisional examination request for each purpose of accumulation. Further, the service providing apparatus 100 may include the purpose of accumulation as the information necessary for provisional examination. Also, for a financial company UY that provides loans regardless of the purpose of use, the purpose of saving does not have to be included in the information necessary for provisional examination. Then, when the management unit 131 acquires the provisional examination result from the financial institution device 20 through the communication unit 110, the management unit 131 associates it with the service user, and provides information about the service user together with accumulation information regarding the accumulation target set by the service user. The provisional examination result is registered in the reserve information storage unit 121 .

In addition, the management unit 131 can receive from the service user the setting of the accumulation target for each purpose of accumulation.

In addition, for example, when the target object for accumulation is not distributed in the market, the management unit 131 can acquire and manage information on a substitute for the target object.

Also, for example, the management unit 131 can acquire and manage information on a selected object selected based on the target object.

In addition, the management unit 131 can execute automatic accumulation processing for each service user. For example, when receiving a charge of electronic money from a service user, the management unit 131 sorts the amount of charge for the purpose of accumulation from the charge amount based on the set accumulation amount preset by the service user, and links the amount to the service user. attached and managed.

In addition, the management unit 131 sorts, at a predetermined timing, an amount corresponding to the reserve setting amount from the charge amount as a reserve target amount.

In addition, when the charge amount is less than the reserve setting amount, the management unit 131 sorts the charges for the reserve purpose based on the preset priority among the reserve purposes.

In addition, when the charge amount is less than the reserve set amount, the management unit 131 notifies the service user of a proposal for manual remittance for the reserve purpose.

In addition, the management unit 131 temporarily manages the funded amount on the application provided to the service user until the target account is created.

(Regarding remittance unit 132)
At a predetermined timing, the remittance unit 132 automatically remits funds for accumulation purposes to the purpose account for accumulation linked to the service user.

(Regarding the providing unit 133)
The providing unit 133 provides information on the accumulated balance that is automatically accumulated according to the accumulation target, as well as information on financing for early realization of the purpose of accumulation.

For example, when the providing unit 133 receives a request to display the accumulated status from the service user (for example, the user UX) through the communication unit 110, the providing unit 133 stores information about the accumulated status of the service user linked to the display request to the account information storage unit 122. Get from The information about the funded status includes information on the current funded balance stored in the funded information storage unit 121, and the like. Then, the providing unit 133 transmits the acquired information on the funded status (for example, the funded status display screen W5 shown in FIG. 6) through the communication unit 110, thereby providing the service user who is the source of the display request. .

Further, for example, the providing unit 133 can provide receiving means (for example, buttons G9 and G10 shown in FIG. 5) for receiving an acquisition request for information on financing from the user together with information on the reserve balance.

Further, for example, when the providing unit 133 receives a request for acquisition of information on financing from a service user through the receiving means, the providing unit 133 requests provisional examination of the service user from a plurality of financial companies, From among the obtained results of provisional examination, the result of provisional examination that presents the best loan conditions for the service user is selected and provided as information on financing.

In addition, for example, the providing unit 133 can provide information on financing as well as examination application means for receiving financing (for example, button G12 shown in FIG. 5).

In addition, for example, the providing unit 133 can provide information on financing including the payment period, interest rate, and usage amount when the reserve balance is used as a down payment.

Further, for example, when providing the information on the reserve balance, the providing unit 133 can replace the information on the target object with the information on the alternative.

Further, for example, the providing unit 133 can provide the information of the selected object together with the information of the object when providing the information of the object.

In addition, for example, when the providing unit 133 receives a request from the service user to acquire information on financing for an object, the providing unit 133 performs provisional screening of the service user including the object and selected items for a plurality of financial companies. From among the results of provisional examinations obtained from multiple financial companies, the results of provisional examinations that present the best loan conditions for service users are selected for each object and selected item, and provided as information on financing. can. In addition, the providing unit 133 can receive a screening application for receiving a loan from the user for the selected items.

(Regarding the loan processing unit 134)
The loan processing unit 134 executes processing related to the loan applied for by the user UX through the examination application screen W7 shown in FIG. 5, for example. For example, the loan processing unit 134 transmits a loan application received from a service user to an affiliated financial institution, and receives a charge of electronic money corresponding to the loan amount for the service user from the financial institution.

Further, when the loan application is transmitted to the financial institution, the loan processing unit 134 provides the financial institution with information necessary for determining the loan amount in response to a request from the financial institution. Here, the information necessary for determining the loan amount includes information on the service user and use of the loan.

In addition, the loan processing unit 134 provides the financial institution with a history of settlements made with loans from the financial institution. For example, the loan processing unit 134 provides the financial institution with the settlement history selected by the service user through the screen of the user application provided to the service user.

[3. Processing procedure]
(3-1. Reserve target registration process)
A processing procedure by the service providing apparatus 100 according to the embodiment will be described below. First, with reference to FIG. 13, an example of a processing procedure of accumulation target registration processing according to the embodiment will be described. FIG. 13 is a flowchart illustrating an example of a processing procedure of accumulation target registration processing according to the embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the service providing apparatus 100 .

As shown in FIG. 13, the management unit 131 receives information on the savings target from the service user (for example, user UX) (step S101). Next, the management unit 131 transmits a provisional examination request to the financial institution device 20 (step S102).

Next, the management unit 131 acquires the provisional examination result from the financial institution device 20 through the communication unit 110 (step S103). Then, the management unit 131 registers the provisional examination result of the service user in the accumulation information storage unit 121 together with the accumulation information regarding the accumulation target set by the service user (step S104), and the processing procedure shown in FIG. exit.

(3-2. Funding status provision processing)
An example of the processing procedure of the funded status provision processing according to the embodiment will be described below with reference to FIG. 14 . FIG. 14 is a flowchart illustrating an example of a processing procedure of a funded status providing process according to the embodiment; Note that the processing procedure described below is repeatedly executed by the control unit 130 of the service providing apparatus 100 .

As shown in FIG. 14, the providing unit 133 receives a request to display the accumulated status from a service user (for example, user UX) (step S201).

Next, the providing unit 133 acquires information about the savings status of the service user associated with the display request from the account information storage unit 122 (step S202).

Next, the providing unit 133 provides the service user associated with the display request with the information on the accumulated balance and the information on the financing (Step S203), and ends the processing procedure shown in FIG. 14 .

(3-3. Automatic accumulation processing)
An example of the processing procedure of the automatic accumulation processing according to the embodiment will be described below with reference to FIG. 15 . FIG. 15 is a flowchart illustrating an example of a processing procedure of a funded status providing process according to the embodiment; Note that the processing procedure described below is repeatedly executed by the control unit 130 of the service providing apparatus 100 .

As shown in FIG. 15, the management unit 131 accepts charging of electronic money from a service user (for example, user UX) (step S301). In addition, the management unit 131 sorts the amount for accumulation purposes from the charge amount based on the set accumulation amount (step S302).

In addition, the management unit 131 manages the accumulated amount sorted from the charged amount in association with the service user (step S303). Then, at a predetermined timing, the management unit 131 automatically remits the accumulation purpose amount to the accumulation purpose account linked to the service user (step S304), and ends the processing procedure shown in FIG.

[4. Hardware configuration]
Further, the service providing apparatus 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 16 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device according to the embodiment.

A computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the service providing device 100, which is an example of the information processing device according to the embodiment, the computing device 1030 of the computer 1000 can read a program (for example, an information processing program) loaded on the primary storage device 1040. A function similar to that of the control unit 130 is realized by executing That is, the computing device 1030 realizes processing by the service providing device 100 according to the embodiment in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040 .

[5. effect〕
As described above, the service providing apparatus 100, which is an example of the information processing apparatus according to the present embodiment, transmits a loan application received from a service user to a partner financial institution to obtain a loan for the service user. It has a loan processing unit 134 that accepts a charge of electronic money corresponding to the amount from the financial institution.

For example, when the loan processing unit 134 transmits a loan application to a financial institution, the loan processing unit 134 provides the financial institution with information necessary for determining the loan amount in response to a request from the financial institution.

Information necessary for determining the loan amount includes information on the service user and use of the loan.

In addition, the loan processing unit 134 provides the financial institution with a history of settlements made with loans from the financial institution.

In addition, the loan processing unit 134 provides the financial institution with the settlement history selected by the service user through the screen of the user application provided to the service user.

In this way, the service providing apparatus 100 according to the embodiment can support the use of financing by the user who is the service user by the processing executed by each unit described above or by any combination of each unit.

[6. others〕
As described above, the embodiments and some of the modifications have been described in detail with reference to the drawings, but these are examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to carry out the present invention in other forms with modifications and improvements.

In addition, the service providing apparatus 100 described above can flexibly change its configuration, such as by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

Also, the effects described in the embodiments of the present application are merely descriptive or exemplary, and are not limiting. In other words, the embodiments of the present application can have other effects that are obvious to those skilled in the art from the description of the embodiments in addition to or instead of the above effects.

10 terminal device 20 financial institution device 100 service providing device 110 communication unit 120 storage unit 121 savings information storage unit 122 account information storage unit 123 user information storage unit 124 settlement history storage unit 130 control unit 131 management unit 132 remittance unit 133 provision unit 134 Loan Processing Department

Claims (11)

a loan processing unit that transmits a loan application received from a service user to an affiliated financial institution and receives from the financial institution a charge of electronic money equivalent to the loan amount to the service user ;
The loan processing unit
An information processing apparatus , wherein information including information set as a use of the loan is provided to the financial institution as a history of payments made with the loan from the financial institution . The loan processing unit
2. The method according to claim 1, wherein when the application for loan is transmitted to the financial institution, information necessary for determining the loan amount is provided to the financial institution in response to a request from the financial institution. information processing equipment. 3. The information processing apparatus according to claim 2, wherein the information necessary for determining the loan amount includes information on the service user and use of the loan. The loan processing unit
The information indicating the payee designated as the use of the loan, the scheduled payment date, the information indicating the loan amount, and the information indicating the settlement amount are associated with each other, and provided to the financial institution as the settlement history.
The information processing apparatus according to claim 1, characterized by: A loan processing unit that transmits a loan application received from a service user to an affiliated financial institution and receives from the financial institution a charge of electronic money equivalent to the loan amount for the service user.
has
The loan processing unit
Information necessary to determine the loan amount, including information on the service user and the use of the loan, in response to a request from the financial institution when sending the loan application to the financial institution to said financial institution;
Providing the financial institution with a history of settlements made with loans from the financial institution;
An information processing apparatus that provides the financial institution with the history of the settlement selected by the service user through a screen of a user application provided to the service user. The loan processing unit
The screen displays a list of payments made with loans from the financial institution, and accepts a selection from the service user for each of the payment histories included in the list through the screen.
6. The information processing apparatus according to claim 5, characterized by: The loan processing unit
displaying a pop-up on the screen for confirming whether or not to transmit the payment history selected by the service user to the financial institution;
7. The information processing apparatus according to claim 6, characterized by: A computer-executed information processing method comprising:
a loan processing step of transmitting a loan application received from a service user to an affiliated financial institution and receiving from the financial institution an electronic money charge equivalent to the loan amount to the service user ;
The loan processing step includes:
Providing the financial institution with information including information set as the use of the loan as a history of payments made with the loan from the financial institution.
An information processing method characterized by: A computer is caused to execute a loan processing procedure for transmitting a loan application received from a service user to a partner financial institution and receiving from the financial institution an electronic money charge equivalent to the loan amount for the service user. ,
The loan processing procedure includes:
An information processing program , wherein information including information set as a use of the loan is provided to the financial institution as a history of payments made with the loan from the financial institution . A computer-executed information processing method comprising:
A loan processing step of transmitting a loan application received from a service user to an affiliated financial institution and receiving from the financial institution an electronic money charge equivalent to the loan amount for the service user.
including
The loan processing step includes:
Information necessary to determine the loan amount, including information on the service user and the use of the loan, in response to a request from the financial institution when sending the loan application to the financial institution to said financial institution;
Providing the financial institution with a history of settlements made with loans from the financial institution;
providing the financial institution with the payment history selected by the service user through a screen of a user application provided to the service user;
An information processing method characterized by: Loan processing procedure for transmitting a loan application received from a service user to an affiliated financial institution and receiving from the financial institution an electronic money charge equivalent to the loan amount for the service user.
on the computer, and
The loan processing procedure includes:
Information necessary to determine the loan amount, including information on the service user and the use of the loan, in response to a request from the financial institution when sending the loan application to the financial institution to said financial institution;
Providing the financial institution with a history of settlements made with loans from the financial institution;
providing the financial institution with the payment history selected by the service user through a screen of a user application provided to the service user;
An information processing program characterized by:

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