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    • 62. 发明授权
    • Information processing device, information processing method, program and storage medium
    • 信息处理装置,信息处理方法,程序和存储介质
    • US08694430B2
    • 2014-04-08
    • US13511570
    • 2010-11-19
    • Yoshinori KobayashiMasanaka Ito
    • Yoshinori KobayashiMasanaka Ito
    • G06Q40/00
    • G06Q20/4037G06Q20/10G06Q20/14
    • Provided is an information processing device which enables a user to always and easily recognize an amount to be paid by the user, which results in a reduction of the burden imposed on the user. A debit requesting module (72) requests that a bank debit a bill amount of each transaction of a credit card from a payment account of the credit card. A balance determination module (81) determines whether or not a balance of the payment account is insufficient for the bill amount of the each transaction based on a notification of a result of the debit from the bank. A change module (74) changes, when it is determined that the balance of the payment account is insufficient, a payment method for a bill amount of an item of transactions which uses a variable payment method to a fixed payment method, the fixed payment method being a method of paying a predetermined fixed amount of money as a unit, the variable payment method being a method of making a payment with a payment unit that varies for each transaction depending on an amount of the transaction of the credit card. The present invention is applicable to a server.
    • 提供一种信息处理装置,其使得用户能够总是容易地识别用户将要支付的量,这导致减轻对用户的负担。 借方请求模块(72)请求银行从信用卡的支付账户借记信用卡的每笔交易的账单金额。 余额确定模块(81)基于从银行借记结果的通知来确定支付帐户的余额是否不足以用于每笔交易的账单金额。 更改模块(74)在确定支付账户的余额不足时改变使用对固定支付方式使用可变支付方式的交易项目的账单金额的支付方法,固定支付方法 作为以预定固定金额为单位支付的方法,可变支付方式是根据信用卡的交易量对每笔交易进行支付单元的付款方式。 本发明可应用于服务器。
    • 63. 发明申请
    • CREDIT CARD USAGE MANAGEMENT SYSTEM, CREDIT CARD USAGE MANAGEMENT METHOD, PROGRAM, AND INFORMATION STORAGE MEDIUM
    • 信用卡使用管理系统,信用卡使用管理方法,程序和信息存储介质
    • US20130030984A1
    • 2013-01-31
    • US13638481
    • 2011-03-30
    • Yoshinori Kobayashi
    • Yoshinori Kobayashi
    • G06Q40/02
    • G06Q20/405G06Q20/24
    • Provided is a credit card usage management system, which allows a credit card to be used to an extent that surpasses a credit limit defined within a fixed period without increasing the credit limit. A credit card usage management device 10 stores a statement data history including a used amount and a date of use of a credit card, identification information on a deposits-and-savings account, and an available credit for the credit card in association with identification information on the credit card, identifies pieces of statement data selected by a user from among, of stored pieces of statement data, pieces of statement data whose date of use falls within a given period based on data received from a user terminal, transmits a settlement request to settle a selected statement total amount, which is obtained by summing up the used amounts respectively included in the identified pieces of statement data, from the stored deposits-and-savings account, to a settlement processing server for managing the deposits-and-savings account, and adds the selected statement total amount to the stored available credit when a completion notification of a settlement based on the settlement request is received from the settlement processing server, to thereby update the selected statement total amount.
    • 提供了一种信用卡使用管理系统,其允许在不增加信用限额的情况下使用信用卡超过在固定期限内定义的信用额度的程度。 信用卡使用管理装置10存储包括信用卡的使用量和使用日期,存款和储蓄帐户的识别信息以及与识别信息相关联的信用卡的可用信用的陈述数据历史 在信用卡上,根据从用户终端接收到的数据,从存储的各条语句数据中识别用户选择的一段语句数据,其使用日期在给定时间内的条件数据发送结算请求 将从所存储的存款和储蓄账户中将分别包括在所识别的账单数据中的使用金额合计的所选择的账单总额结算到用于管理存款和储蓄的结算处理服务器 帐户,并且当基于结算请求的结算完成通知是时,将所选择的陈述总金额添加到存储的可用信用 从结算处理服务器接收,从而更新所选择的语句总量。
    • 65. 发明申请
    • INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, PROGRAM AND STORAGE MEDIUM
    • 信息处理设备,信息处理方法,程序和存储介质
    • US20120278230A1
    • 2012-11-01
    • US13511570
    • 2010-11-19
    • Yoshinori KobayashiMasanaka Ito
    • Yoshinori KobayashiMasanaka Ito
    • G06Q20/14
    • G06Q20/4037G06Q20/10G06Q20/14
    • Provided is an information processing device which enables a user to always and easily recognize an amount to be paid by the user, which results in a reduction of the burden imposed on the user. A debit requesting module (72) requests that a bank debit a bill amount of each transaction of a credit card from a payment account of the credit card. A balance determination module (81) determines whether or not a balance of the payment account is insufficient for the bill amount of the each transaction based on a notification of a result of the debit from the bank. A change module (74) changes, when it is determined that the balance of the payment account is insufficient, a payment method for a bill amount of an item of transactions which uses a variable payment method to a fixed payment method, the fixed payment method being a method of paying a predetermined fixed amount of money as a unit, the variable payment method being a method of making a payment with a payment unit that varies for each transaction depending on an amount of the transaction of the credit card. The present invention is applicable to a server.
    • 提供一种信息处理装置,其使得用户能够总是容易地识别用户将要支付的量,这导致减轻对用户的负担。 借方请求模块(72)请求银行从信用卡的支付账户借记信用卡的每笔交易的账单金额。 余额确定模块(81)基于从银行借记结果的通知来确定支付帐户的余额是否不足以用于每笔交易的账单金额。 更改模块(74)在确定支付账户的余额不足的情况下改变使用对固定支付方式使用可变支付方式的交易项目的账单金额的支付方法,固定支付方式 作为以预定固定金额为单位支付的方法,可变支付方式是根据信用卡的交易量对每笔交易进行支付单元的付款方式。 本发明可应用于服务器。
    • 66. 发明申请
    • ENERGY REDUCING APPARATUS
    • 能量减少装置
    • US20120239217A1
    • 2012-09-20
    • US13426928
    • 2012-03-22
    • Toshimitsu KumazawaKazuto KubotaShuichiro ImaharaYoshinori Kobayashi
    • Toshimitsu KumazawaKazuto KubotaShuichiro ImaharaYoshinori Kobayashi
    • G05F5/00
    • H02J3/14Y02B70/3225Y04S20/222
    • An energy reducing apparatus includes: an input module through which to input a target energy consumption value; an acquiring module configured to acquire energy consumptions of plural apparatus every measurement period; a totaling module configured to calculate sums of energy consumptions of each of the apparatus in a prescribed period based on energy consumptions measured every measurement period; a calculating module configured to calculate a first index indicating a deviation between an average value of past energy consumptions and a current energy consumption based on energy consumptions measured every measurement period and the sums for each of the apparatus; and an allocating module configured to allocate an energy consumption to each of the apparatus so that the energy consumption value is satisfied by preferentially reducing the energy consumption of an apparatus whose first index is small.
    • 能量减少装置包括:输入模块,通过该输入模块输入目标能量消耗值; 获取模块,被配置为每测量周期获取多个装置的能量消耗; 总计模块,其被配置为基于每个测量周期测量的能量消耗来计算每个所述装置在规定时段内的能量消耗的总和; 计算模块,被配置为基于每个测量周期测量的表示过去能量消耗的平均值与当前能量消耗之间的偏差的第一指标以及每个所述设备的总和; 以及分配模块,其被配置为向所述装置中的每一个分配能量消耗,使得通过优先地降低其第一指数小的装置的能量消耗来满足能量消耗值。