1. A portable terminal is provided with:

a display;

a processor, having hardware,

the processor acquires information on a future deduction scheduled amount in a bank account from a server that manages the bank account when electronic money is deposited from the pre-registered bank account to an electronic wallet, and causes the display to display warning information when a balance obtained by deducting the deduction scheduled amount from a current balance of the bank account is less than a deposit scheduled amount indicating an amount of electronic money deposited from the bank account.

2. The portable terminal of claim 1, wherein,

the warning information comprises the current balance of the bank account, the predetermined deducted amount, the balance after deduction and the predetermined deposit amount.

3. The portable terminal of claim 1 or claim 2,

and the processor deposits electronic money into the electronic wallet from another bank account different from the original bank account when the balance after deduction is less than the preset deposit amount.

4. The portable terminal of claim 1 or claim 2,

the processor refunds an amount of money corresponding to the electronic money that has been deposited into the bank account and deposits electronic money into the electronic wallet from another bank account different from the original bank account, when the remaining amount after the deduction is smaller than the predetermined amount of money to deposit and when electronic money is deposited from the bank account into the electronic wallet.

5. The portable terminal of claim 1 or claim 2,

the processor acquires electronic money corresponding to the predetermined amount of money to be deposited from another electronic wallet registered in advance, when the remaining amount after the deduction is smaller than the predetermined amount of money to be deposited.

6. The portable terminal of claim 5, wherein,

the processor obtains the electronic money from the another electronic wallet within a preset amount range.

7. The portable terminal of claim 5 or claim 6,

the processor transfers the electronic money of the same amount as the electronic money acquired from the another electronic wallet from the original electronic wallet to the another electronic wallet after a predetermined period of time has elapsed, when the electronic money is acquired from the another electronic wallet.

8. A recording medium on which a wallet program that causes a processor having hardware to execute processing of:

when electronic money is deposited from a pre-registered bank account to an electronic wallet, information relating to a future deduction amount in the bank account is acquired from a server that manages the bank account, and when a balance obtained by deducting the deduction amount of the deduction amount from a current balance of the bank account is smaller than a deposit amount indicating an amount of electronic money deposited from the bank account, warning information is displayed on a display provided in a mobile terminal.

9. The recording medium of claim 8, wherein,

the warning information comprises the current balance of the bank account, the predetermined deducted amount, the balance after deduction and the predetermined deposit amount.

10. The recording medium of claim 8 or claim 9,

the wallet program causes the processor to execute a process of depositing electronic money to the electronic wallet from another bank account different from the original bank account in a case where the remaining amount after the deduction is smaller than the predetermined amount of deposit.

11. The recording medium of claim 8 or claim 9,

the wallet program causes the processor to, when the remaining amount after the deduction is smaller than the predetermined deposit amount and when electronic money is deposited from the bank account to the electronic wallet, refund an amount corresponding to the deposited electronic money to the bank account and deposit the electronic money to the electronic wallet from another bank account different from the original bank account.

12. The recording medium of claim 8 or claim 9,

the wallet program causes the processor to execute processing for acquiring electronic money corresponding to the predetermined deposit amount from another electronic wallet registered in advance when the remaining amount after the deduction is smaller than the predetermined deposit amount.

13. The recording medium of claim 12, wherein,

the wallet program causes the processor to execute processing for acquiring the electronic money from the other electronic wallet within a range of a preset amount of money.

14. The recording medium of claim 12 or claim 13,

the wallet program causes the processor to execute processing for, when electronic money is acquired from the another electronic wallet, remitting electronic money of the same amount as the electronic money acquired from the another electronic wallet from the original electronic wallet to the another electronic wallet after a lapse of a predetermined period.

15. A wallet system is provided with:

a server having a first processor and managing bank accounts, the first processor having hardware;

a portable terminal having a display and a second processor, the second processor having hardware,

the second processor acquires information on a future deduction amount of the bank account from the server when electronic money is deposited from a pre-registered bank account to the electronic wallet, and causes the display to display warning information when a balance obtained by deducting the deduction amount of the deduction amount from a current balance of the bank account is less than a deposit amount indicating an amount of the electronic money deposited from the bank account.

16. The wallet system of claim 15,

the warning information comprises the current balance of the bank account, the predetermined deducted amount, the balance after deduction and the predetermined deposit amount.

17. The wallet system of claim 15 or claim 16,

and the second processor deposits electronic money into the electronic wallet from another bank account different from the original bank account when the balance after deduction is less than the predetermined amount of deposit.

18. The wallet system of claim 15 or claim 16,

the second processor refunds an amount of money corresponding to the electronic money that has been deposited into the bank account and deposits electronic money into the electronic wallet from another bank account different from the original bank account, when the remaining amount after the deduction is smaller than the predetermined amount of money to deposit and when electronic money is deposited from the bank account into the electronic wallet.

19. The wallet system of claim 15 or claim 16,

the second processor acquires electronic money corresponding to the predetermined amount of money to be deposited from another electronic wallet registered in advance, when the remaining amount after the deduction is smaller than the predetermined amount of money to be deposited.

20. The wallet system of claim 19,

the second processor obtains the electronic money from the another electronic wallet within a range of a preset amount.

Background

Patent document 1 discloses a system for automatically determining a transfer source account with the lowest transfer fee among a plurality of accounts owned by a transfer requester according to transfer processing conditions.

Prior art documents

Patent document

Patent document 1: japanese patent laid-open No. 2006-114003

Disclosure of Invention

Problems to be solved by the invention

There is a demand for a technique that can improve user convenience not only when handling cash but also when handling electronic money as an electronic settlement system.

The present disclosure has been made in view of the above circumstances, and an object thereof is to provide a portable terminal, a wallet program, and a wallet system that can improve the convenience of a user.

Means for solving the problems

The present disclosure relates to a mobile terminal, including: a display; and a processor having hardware, the processor acquiring information related to a future deduction predetermined amount in a bank account from a server managing the bank account when electronic money is deposited from the pre-registered bank account to an electronic wallet, and causing the display to display warning information when a balance obtained by deducting the deduction predetermined amount from a current balance of the bank account is less than a deposit predetermined amount indicating an amount of electronic money deposited from the bank account.

A wallet program according to the present disclosure causes a processor having hardware to execute processing for, when electronic money is to be deposited from a pre-registered bank account to an electronic wallet, acquiring information relating to a future deduction amount from the bank account from a server that manages the bank account, and when a balance obtained by deducting the deduction amount from a current balance of the bank account is less than a deposit amount indicating an amount of electronic money deposited from the bank account, causing a display provided in a mobile terminal to display warning information.

The wallet system according to the present disclosure includes: a server having a first processor and managing bank accounts, the first processor having hardware; and a mobile terminal having a display and a second processor, the second processor having hardware, the second processor acquiring information on a predetermined amount of money to be deducted from the bank account in the future from the server when electronic money is to be debited from a pre-registered bank account to the electronic wallet, and causing the display to display warning information when a balance obtained by deducting the predetermined amount of money to be deducted from a current balance of the bank account is less than a predetermined amount of money to be debited representing an amount of electronic money to be debited from the bank account.

Effects of the invention

According to the present disclosure, user convenience can be improved.

Drawings

Fig. 1 is a diagram schematically showing a configuration of a wallet system according to an embodiment.

Fig. 2 is a block diagram showing details of each component of the wallet system according to the embodiment.

Fig. 3 is a diagram showing an example of warning information displayed on a user terminal in the wallet system according to the embodiment.

Fig. 4 is a flowchart showing an example of a method for charging electronic money by the wallet system according to the embodiment.

Detailed Description

A portable terminal, a wallet program, and a wallet system according to embodiments of the present disclosure will be described with reference to the drawings. The components in the following embodiments include simple components that can be easily replaced by those skilled in the art, or substantially the same components.

(wallet system)

The configuration of the wallet system according to the embodiment will be described with reference to fig. 1 and 2. As shown in fig. 1, the wallet system has: a wallet server 1, a settlement operator server 2, and a user terminal 3. In the wallet system, the wallet server 1, the settlement operator server 2, and the user terminal 3 are configured to be able to communicate with each other through the network NW. The network NW is configured by, for example, an internet network, a cellular telephone network, or the like. In the drawing, only one settlement operator server 2 and one user terminal 3 are illustrated, but a plurality of these devices may be provided.

(wallet server)

The wallet server 1 is a server for managing the wallet system according to the embodiment. The wallet server 1 is implemented by a general-purpose computer such as a workstation or a personal computer. Further, the wallet server 1 is managed by an administrator (provider) of the wallet system. As shown in fig. 2, the wallet server 1 includes: a control unit 11, a communication unit 12, and a storage unit 13.

Specifically, the control Unit 11 includes a Processor including a CPU (Central Processing Unit), a DSP (Digital Signal Processor), an FPGA (Field-Programmable Gate Array), and the like, and a Memory (main storage Unit) including a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. The control unit 11 loads and executes a program stored in the storage unit 13 into a work area of the main storage unit, and controls each component unit and the like through execution of the program, thereby realizing a function suitable for a predetermined purpose.

The communication unit 12 is configured by, for example, a LAN (Local Area Network) interface port, a wireless communication circuit for wireless communication, and the like. The communication unit 12 is connected to a network NW such as the internet as a public communication network. The communication unit 12 is connected to the network NW, and communicates with the settlement operator server 2 and the user terminal 3.

The storage unit 13 is constituted by a recording medium such as an EPROM (Erasable Programmable ROM), a Hard Disk Drive (Hard Disk Drive), and a removable medium. Examples of the removable medium include disk recording media such as a USB (Universal Serial Bus) memory, a CD (Compact Disc), a DVD (Digital Versatile Disc), and a BD (Blu-ray Disc). The storage unit 13 can store an Operating System (OS), various programs, various tables, various databases, and the like. Further, the storage unit 13 stores therein user information 131, wallet information 132, and settlement information 133 for each user of the wallet system.

The user information 131 is information related to a user who uses the wallet system. Examples of the user information 131 include a user ID, a password, a user name, and a contact address (for example, an address, a telephone number, and a mail address) of a user registered with the wallet system in advance. The user ID and the password in the user information 131 are used in the authentication process for logging in to the wallet server 1 and the like.

The wallet information 132 is information related to an electronic wallet (hereinafter, referred to as "wallet") of the wallet system. The wallet means a virtual charge account of electronic money. The wallet information 132 includes, for example, a user ID, a balance of electronic money, a charging history of electronic money, a usage history of electronic money, and the like.

The settlement information 133 is information related to the settlement of the wallet system. The settlement information 133 includes a user ID, a settlement method used for settlement (for example, electronic money payment (non-contact settlement), scan payment, code payment, and the like), a settlement history, and the like.

(Settlement operator server)

The settlement operator server 2 is a server for managing a bank account and a credit card of a user. The settlement operator server 2 is implemented by a general-purpose computer such as a workstation or a personal computer. Further, the settlement operator server 2 is managed by, for example, a financial institution (e.g., a bank, a credit vault, a credit cooperative, a worker vault, etc.) and a credit card company.

As shown in fig. 2, the settlement operator server 2 includes: a control unit (first processor) 21, a communication unit 22, and a storage unit 23. The control unit 21, the communication unit 22, and the storage unit 23 are physically the same as the control unit 11, the communication unit 12, and the storage unit 13. The storage unit 23 stores deduction reservation information 231.

The deduction reservation information 231 is information related to deduction of a bank account registered as a recharging method by the user. The deduction reservation information 231 includes, for example, a name of a deduction source (for example, a credit card company, etc.), a deduction date, a deduction reservation amount, and the like.

(user terminal)

The user terminal 3 is a mobile terminal used by the user. A "user" in this disclosure is a person who is using the wallet system. The user can deposit (hereinafter, referred to as "recharge") electronic money and settle money using the electronic money through the user terminal 3. Examples of the user terminal 3 include a smartphone, a mobile phone, a tablet terminal, and a wearable computer owned by the user.

As shown in fig. 2, the user terminal 3 includes: a control unit (second processor) 31, a communication unit 32, a storage unit 33, and an operation and display unit (display) 34. The control unit 31, the communication unit 32, and the storage unit 33 are physically the same as the control unit 11, the communication unit 12, and the storage unit 13. The control unit 31 functions as a display control unit 311, a recharge processing unit 312, and a settlement processing unit 313 by executing a program.

The display control unit 311 controls the display content on the operation and display unit 34. The display control unit 311 causes the operation and display unit 34 to display predetermined information based on an operation (a touch operation, a tap operation, or the like) by the user. Examples of the information displayed by the display control unit 311 and the display unit 34 include a member registration screen when the user registers a member in the wallet system, a login screen when the user registers the wallet system, a recharge screen when the user charges electronic money into the wallet, and a display screen of warning information (see, for example, fig. 3).

The charge processing section 312 charges (deposits) the electronic money into the wallet. The charge processing part 312 outputs a charge request for charging electronic money to the wallet server 1 based on the operation of the user and according to the charge manner registered in advance (associated is established). The "charging method" is a method for charging electronic money to a wallet, which is a virtual charge account.

Examples of the charging method include a bank account and a credit card. The recharging method can register various types, and the electronic money can be recharged according to any recharging method. In the present disclosure, a description will be given on the premise that a bank account is registered as a recharging method.

The control unit 11 of the wallet server 1 that has received the recharge request from the recharge processing unit 312 based on the operation of the user increases the balance of the electronic money in the wallet based on the recharge amount information included in the recharge request. That is, the control section 11 updates the wallet information 132 stored in the storage section 13 in accordance with the amount of increase in the balance of the electronic money in the wallet. Then, the control unit 11 outputs information indicating that the charging to the wallet is completed (hereinafter, referred to as "charging completion information") to the user terminal 3. The control unit 11 outputs a payment request for an amount corresponding to the recharge amount to the settlement operator server 2 that manages the bank account registered by the user as the recharge method.

Here, the charge processing unit 312 can charge the wallet with the electronic money from the previously registered bank account within a range not exceeding the current balance of the bank account. On the other hand, even if the amount of electronic money to be charged from the bank account (hereinafter referred to as "predetermined charge amount") does not exceed the current balance of the bank account, the amount may exceed the future balance of the bank account. That is, when considering an amount to be deducted in the future (hereinafter, referred to as "predetermined deduction amount") in addition to the charging from the bank account registered as the charging method to the wallet, the balance of the bank account may be insufficient after the charging. Therefore, the charge processing unit 312 notifies the user when it is expected that the balance of the bank account of the charge source will be insufficient after the electronic money is charged.

Specifically, when the electronic wallet is charged with electronic money from a bank account registered in advance, the charge processing unit 312 acquires the deduction reservation information 231 including a future deduction reservation amount in the bank account from the settlement operator server 2 that manages the bank account. The deduction reservation information 231 may be acquired from the settlement operator server 2 that manages a bank account as a deduction place, or may be acquired from the settlement operator server 2 that manages a credit card or the like as a deduction source.

Next, the charge processing unit 312 deducts a predetermined amount of money to be deducted from the current balance of the bank account, thereby calculating the balance after the deduction. When the remaining amount after the deduction is smaller than the predetermined amount of money to be recharged, the recharge processing unit 312 causes the display control unit 311 to display the warning information on the operation and display unit 34.

As the warning information to be displayed on the operation and display unit 34, for example, as shown in fig. 3, the current balance of the bank account, the name of the payment source, the date of payment, the predetermined amount of money to be paid, the balance after payment, the predetermined amount of money to be recharged, the balance after recharging, and the like are listed. In the figure, the remaining amount after the deduction is less than the predetermined charge amount by 1000 yen.

In this way, when the balance of the bank account of the recharge source is expected to be insufficient, the user can be notified of future shortage of the balance of the bank account by displaying the warning information on the operation and display unit 34. The user who sees the warning information as shown in fig. 3 performs operations such as temporarily suspending the recharge from the bank account or performing the recharge from another bank account different from the bank account.

Here, when the remaining amount after the deduction is smaller than the predetermined amount of money to be recharged (for example, see fig. 3), the recharge processing unit 312 may recharge the bank account (hereinafter, referred to as "second bank account") different from the original bank account (hereinafter, referred to as "first bank account") as the recharge source. In addition, the "second bank account" indicates a bank account registered as a charging method in advance in a manner different from the first bank account.

The charge processing unit 312 interrupts the charge from the first bank account and automatically charges the electronic money from the second bank account to the wallet when it is determined that the remaining amount after the deduction is less than the charge predetermined amount. In this way, in the case where it is expected that the balance of the first bank account of the replenishing source is insufficient, it is possible to prevent the future insufficient balance of the first bank account and the future erroneous deduction from the other second bank account by replenishing from the other second bank account.

The charge processing unit 312 may change the charge source to which the charge is performed when the remaining amount after the deduction is less than the predetermined charge amount (for example, see fig. 3). In this case, when it is determined that the remaining amount after the deduction is less than the charging predetermined amount and the electronic money has been charged from the first bank account to the wallet, the charging processing unit 312 refunds an amount corresponding to the charged electronic money back to the first bank account and charges the electronic money from the second bank account to the wallet. In this way, in the case where the balance of the first bank account of the charge source is expected to be insufficient, it is possible to prevent the future shortage of the balance of the first bank account and the future deduction error by changing the charge source to another second bank account.

In addition, the charge processing unit 312 may receive the loan of the electronic money from a wallet owned by another user when the remaining amount after the deduction is less than the predetermined charge (for example, see fig. 3). In this case, when determining that the remaining amount after the deduction is smaller than the predetermined amount of money to be charged, the charging processing unit 312 acquires electronic money corresponding to the predetermined amount of money to be charged from another wallet (hereinafter, referred to as "lending wallet") registered in advance. In addition, the lending wallet is, for example, a wallet managed by family members or friends. In this way, in the case where it is expected that the balance of the bank account of the replenishing source is insufficient, it is possible to prevent the future insufficient balance of the bank account and the future deduction error from taking the electronic money from another lending wallet.

In addition, the charge processing unit 312 may acquire the electronic money within a range of a preset amount (hereinafter, referred to as "loan amount") when accepting the loan of the electronic money from the wallet. That is, when the "loan amount" is equal to or larger than the predetermined amount to be recharged, the recharge processing unit 312 obtains the electronic money corresponding to the predetermined amount to be recharged from the wallet. Further, in the case where the "loan amount" is smaller than the charge predetermined amount, the charge processing part 312 obtains the electronic money corresponding to the loan amount from the wallet. In this way, it is possible to prevent excessive borrowing of electronic money by setting a limit on the amount of lending from the lending wallet.

In addition, when accepting the electronic money lent from the lending wallet, the charge processing unit 312 may return the electronic money accepted for lending after a predetermined period (hereinafter, referred to as "lending period"). That is, when the electronic money is obtained from the lending wallet, the charge processing unit 312 remits the electronic money of the same amount as the electronic money obtained from the lending wallet from the original wallet to the lending wallet after the passage of the lending period. In this way, it is possible to reliably collect the electronic money lent from the lending wallet by specifying the lending period of the electronic money.

The settlement processing part 313 outputs, for example, a settlement request for performing settlement using electronic money charged to a wallet or other settlement means (e.g., a bank account or a credit card registered in advance) to the settlement operator server 2.

The control unit 21 of the settlement operator server 2 that has obtained the settlement request from the user terminal 3 outputs the settlement request including the settlement amount to the wallet server 1 via the network NW. The control unit 11 of the wallet server 1 that has obtained the settlement request from the settlement operator server 2 reduces the balance of the electronic money in the wallet of the user based on the settlement amount included in the settlement request, and outputs the updated wallet information 132 and settlement information 133 to the user terminal 3.

The storage unit 33 stores data of various screens that the display control unit 311 causes the operation and display unit 34 to display. The storage unit 33 stores user information 131, wallet information 132, settlement information 133, and the like as necessary.

The operation and display unit 34 is configured by, for example, a touch panel display, and has an input function of receiving an operation performed by a user's finger, a pen, or the like, and a display function of displaying various information under the control of the display control unit 311.

(recharging method)

An example of a method for charging electronic money by the wallet system according to the embodiment will be described below with reference to fig. 4. The flowchart of fig. 4 is performed from the time point when the user performs an operation such as "recharge" on the recharge screen displayed on the operation and display unit 34.

First, the charge processing part 312 of the user terminal 3 requests the deduction reservation information 231 from the settlement operator server 2 (step S1). Thereby, the control unit 21 of the settlement operator server 2 outputs the deduction reservation information 231 to the user terminal 3 (step S2).

Next, the recharge processing unit 312 deducts a predetermined amount of money to be deducted from the current balance of the bank account, thereby calculating the balance after the deduction (step S3). Next, the charge processing unit 312 determines whether or not the remaining balance after the deduction is less than a charge predetermined amount (step S4).

When determining that the remaining amount after the deduction is less than the predetermined charge amount (yes in step S4), the charge processing unit 312 causes the display control unit 311 to display warning information (see, for example, fig. 3) on the operation and display unit 34 (step S5). On the other hand, when determining that the remaining amount after the deduction is equal to or more than the predetermined amount of money to be charged (no in step S4), the charge processing unit 312 outputs a charge request for charging the wallet with the electronic money to the wallet server 1 (step S6).

Next, the control part 11 increases the balance of the electronic money in the wallet based on the charge amount information included in the charge request, and updates the wallet information 132 in accordance with the increased amount (step S7). Next, the control unit 11 outputs the charge completion information to the user terminal 3 (step S8). This flow ends.

As described above, according to the portable terminal, the wallet program, and the wallet system of the embodiment, when it is expected that the balance of the bank account of the recharge source is insufficient, the warning information is displayed on the operation and display unit 34, and thereby the user can be notified of the future shortage of the balance of the bank account. This can improve user convenience.

Further effects or modifications can be easily deduced by those skilled in the art. Therefore, the broader aspects of the present invention are not limited to the specific details and representative embodiments shown and described above. Therefore, various modifications can be made without departing from the spirit or scope of the general inventive concept defined by the appended claims and their equivalents.

For example, in the portable terminal, the wallet program, and the wallet system according to the embodiment, when it is determined that the remaining amount after the deduction is less than the predetermined amount of money to be charged, the operation and display unit 34 is caused to display the warning information, but a threshold value may be set at the time of the determination. In this case, the charge processing unit 312 displays warning information on the operation and display unit 34 when it is determined that the amount of money obtained by deducting a preset amount of money (threshold value) from the balance after deduction is smaller than the predetermined charge amount. Thus, when the balance of the bank account of the recharge source is expected to be insufficient, the user can be notified of future shortage of the balance of the bank account more early.

Description of the symbols

1. A wallet server;

11. a control unit;

12. a communication unit;

13. a storage unit;

131. user information;

132. wallet information;

133. settlement information;

2. a settlement operator server;

21. a control unit;

22. a communication unit;

23. a storage unit;

231. deduction reservation information;

3. a user terminal;

31. a control unit;

311. a display control unit;

312. a recharge processing unit;

313. a settlement processing unit;

32. a communication unit;

33. a storage unit;

34. an operation and display section;

NW and network.