ACCOUNT BALANCE MANAGEMENT DEVICE

• Main Authors: SASAKI HIROSHI, IINO YURIE, INOMATA TOSHIHIRO, UENO TAKAHIRO, OKA KEIICHI, YOSHIDA SHIGEYO
• Format: Patent
• Language: English; Japanese
• Published: 12.01.2017
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

PROBLEM TO BE SOLVED: To precisely predict the occurrence of shortage in the balance of an account and to warn a user.SOLUTION: An account balance specification unit 111 of an account management server 10 specifies the account balance of an account of a user who uses a communication terminal 20. A first withdrawal prediction specification unit 114 specifies a first withdrawal prediction amount, an amount expected to be withdrawn from the account, on the basis of information on future behavior of the user. A determination unit 115 determines whether shortage in the account balance occurs or not by comparing the account balance with the first withdrawal prediction amount. A display control unit 116 causes a display unit 24 of the communication terminal 20 to display a warning to the user, if shortage in the account balance occurs.SELECTED DRAWING: Figure 2 【課題】口座の残高不足の発生をより正確に予測して、利用者に警告する。【解決手段】口座管理サーバ１０の口座残高特定部１１１は、通信端末２０の利用者の口座の口座残高を特定する。第１の出金予測額特定部１１４は、その利用者の将来の行動に関する情報に基づいて、口座からの出金が予測される金額である第１の出金予測額を特定する。判定部１１５は、口座残高と第１の出金予測額とを比較することにより、口座残高が不足するか否かを判定する。表示制御部１１６は、口座残高が不足する場合には、利用者に対する警告を通信端末２０の表示部２４に表示させる。【選択図】図２