JP6951540B1 - Selection device, selection method and selection program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To appropriately select a financial product for which a purchase is proposed to a user. SOLUTION: A selection device according to the present application is used for payment by a user using a predetermined payment means (for example, payment performed by a user terminal reading a two-dimensional code arranged in a store, or for a user terminal. Purchases are made to users based on the acquisition department that acquires store information related to the store that made the payment) that the store terminal reads the displayed user identification information, and the store information acquired by the acquisition department. It is characterized by having a selection unit for selecting a financial product (for example, a stock or an investment trust) to be proposed. [Selection diagram] Fig. 1

Description

The present invention relates to a selection device, a selection method and a selection program.

Conventionally, techniques related to transactions of financial products on the Internet have been known. As an example of such a technology, an index value indicating the relationship between brands is calculated based on user information including a user's behavior history with respect to the brand information, and brand information for providing to the user based on the calculated index value. The technology to provide is known.

JP-A-2018-005669

However, with the above-mentioned technology, it may not be possible to say that the financial product that the user is offered to purchase is properly selected.

For example, in the above-mentioned technology, only the stock information is provided based on the behavior of the user browsing the stock on the finance site or the behavior of searching for the stock on the search site, and is indicated by the user's purchasing behavior or the like. Since it is not possible to propose the purchase of a financial product based on the interest in the financial product, it may not be possible to say that the financial product that the user is offered to purchase is properly selected.

The present application has been made in view of the above, and an object of the present application is to appropriately select a financial product for which a purchase is proposed to a user.

The selection device according to the present application is purchased by the user based on the acquisition unit that acquires store information about the store where the user has made a payment using a predetermined payment means and the store information acquired by the acquisition unit. It is characterized by having a selection unit for selecting a financial product to propose.

According to one aspect of the embodiment, there is an effect that the financial product that the user is offered to purchase can be appropriately selected.

FIG. 1 is a diagram showing an example of a selection process according to an embodiment. FIG. 2 is a diagram showing a configuration example of a payment server according to the embodiment. FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram showing an example of the investment product database according to the embodiment. FIG. 5 is a diagram showing an example of a store information database according to the embodiment. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. FIG. 7 is a flowchart showing an example of the procedure of the selection process according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the payment server.

Hereinafter, a selection device, a selection method, and a mode for carrying out the selection program (hereinafter, referred to as “the embodiment”) according to the present application will be described in detail with reference to the drawings. The selection device, selection method, and selection program according to the present application are not limited by this embodiment. Further, in each of the following embodiments, the same parts will be designated by the same reference numerals, and duplicate description will be omitted.

[1. Embodiment]
The selection process realized by the selection device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a selection process according to an embodiment. In FIG. 1, it is assumed that the payment server 10 which is an example of the selection device according to the present embodiment realizes the selection process and the like according to the embodiment.

As shown in FIG. 1, the selection system 1 according to the embodiment includes a payment server 10 and a terminal device 100. The payment server 10 and the terminal device 100 are connected to each other via a network N (see, for example, FIG. 2) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The selection system 1 shown in FIG. 1 may include a plurality of payment servers 10 and a plurality of terminal devices 100.

The payment server 10 shown in FIG. 1 is an information processing device that executes the selection process according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the terminal device 100. For example, the payment server 10 manages the accounts of the provider (business operator) of the transaction target and the user to whom the transaction target is provided, and transfers electronic money between the accounts according to the payment request from the user. By doing so, various payments are realized. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

The payment server 10 also provides a finance service. For example, the payment server 10 is a finance service in an application (mini application) started in an application for electronic payment using the terminal device 100 (hereinafter, may be simply referred to as a "payment application"), and is a payment application. It provides a finance service that enables the purchase of financial products based on the balance of the user's electronic money and the points given to the user in the payment application. Hereinafter, an application that provides a finance service may be simply referred to as a “finance application”.

The terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 100 displays the information distributed by the payment server 10 by a web browser or an application. In the example shown in FIG. 1, a case where the terminal device 100 is a smartphone is shown.

When the terminal device 100 receives the control information for realizing the predetermined information processing from the payment server 10, the terminal device 100 realizes 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 mark such as HTML (HyperText Markup Language). Written in up language, etc. The predetermined application itself distributed from the payment server 10 may be regarded as control information.

[1-1. About payment using terminal device 100]
Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the selection process executed by the payment server 10. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) arranged in the store A and indicates the store identification information C1 that identifies the store A. An example of performing payment using the terminal device 100 will be described, but the embodiment is not limited to this. An example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 100. Further, the store identification information C1 may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U1 uses or purchases a payment target (transaction target) such as various products or services at the store A, the user U1 activates a payment application pre-installed on the terminal device 100. do. Then, the user U1 photographs the store identification information C1 installed in the store A via the payment application. In such a case, the terminal device 100 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 or the clerk of the store A. Then, the terminal device 100 includes user identification information for identifying the user U1 and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (for example, store ID)). The payment information indicating the payment amount is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the payment server 10 transmits a notification to the terminal device 100 that the payment has been completed. In such a case, the terminal device 100 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

The payment using the terminal device 100 is not limited to the above-mentioned processing. For example, the payment using the terminal device 100 may be made using the store terminal installed in the store A. For example, the terminal device 100 displays the user identification information for identifying the user U1 on the screen. In such a case, the store terminal installed in the store A reads the user identification information displayed on the terminal device 100, and obtains the user identification information (or the information indicated by the user identification information, that is, the user U1). The information to be shown (for example, the user ID), the payment amount, and the payment information indicating the information for identifying the store A are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store A, and transfers the electronic money of the amount indicated by the payment amount to the store terminal or terminal device of the store A. You may notify 100 that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the terminal device 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U1 to the account of the store A, but also, for example, a credit card registered in advance by the user U1. It may be a settlement using. In such a case, for example, the terminal device 100 transfers the electronic money of the settlement amount to the account of the store A, and charges the credit card management company (card company) of the user U1 for the settlement amount. You may.

[1-2. About the outline of the embodiment]
Here, conventionally, as a technique for trading financial products on the Internet, an index value indicating the relationship between stocks is calculated based on user information including a user's behavior history with respect to the stock information, and based on the calculated index value. A technique for providing brand information to be provided to a user is known. However, in such a technology, the brand information is only provided based on the behavior of the user browsing the brand on the finance site or the behavior of searching for the brand on the search site, and is indicated by the user's purchasing behavior or the like. Since it is not possible to propose the purchase of a financial product based on the interest in the financial product, it may not be possible to say that the financial product to be offered to the user is properly selected.

Therefore, the payment server 10 executes the selection process according to the embodiment. Hereinafter, the selection process executed by the payment server 10 will be described with reference to FIG. In the following description, an example in which the terminal device 100 is used by the user U1 will be shown. Further, in the following description, the terminal device 100 may be equated with the user U1. That is, in the following, the user U1 can be read as the terminal device 100.

Further, in the following description, the payment server 10 shall manage the store information regarding the store that accepts the payment from the user via the payment application in the storage unit of its own device. For example, the payment server 10 provides store information such as the industry to which the store belongs (for example, apparel, food and drink, IT, etc.), the transaction target provided by the store, the location of the store, and whether or not the company that manages the store is listed. Information is managed by associating it with a store ID.

Further, in the following description, the settlement server 10 shall manage information on investment products provided to the user in the finance service in the storage unit of its own device. For example, the settlement server 10 provides information on investment products such as the type of investment product (for example, stock, investment trust, etc.), the name (brand) of the investment product, the industry to which the company issuing the stock to be invested belongs, and the investment. It manages information such as the price of products (for example, the stock price of stocks and the base price of investment trusts) and the content of products (for example, various classifications of stocks and the classification of investment trusts of investment trusts).

First, the user U1 who visits the store A and receives the transaction target from the store A reads the store identification information C1 installed in the store A using the terminal device 100 (step S1). For example, the user U1 activates a payment application pre-installed in the terminal device 100, and photographs the store identification information C1 installed in the store A via the payment application.

Subsequently, the terminal device 100 receives the input of payment information from the user U1 (step S2). For example, the terminal device 100 displays a screen for inputting the price of the transaction target to be settled, and accepts the input of the settlement amount from the user U1.

Subsequently, the payment server 10 acquires payment information from the terminal device 100 (step S3). For example, the payment server 10 acquires payment information including the store ID of the store A indicated by the store identification information C1, the payment amount input by the user U1, and the user ID of the user U1.

Subsequently, the payment server 10 executes a payment process based on the payment information acquired from the terminal device 100 (step S4). For example, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user ID to the account of the store A indicated by the store ID.

Subsequently, the settlement server 10 selects an investment product corresponding to the industry to which the store A belongs as an investment product that proposes purchase to the user U1 (step S5). For example, when the store A belongs to the industry "apparel", the payment server 10 selects an investment product corresponding to the industry "apparel". To give a specific example, stocks of companies belonging to the industry "apparel" (in other words, theme stocks) and investment trusts (index funds, etc.) that invest in the industry "apparel" are selected.

Further, when the company that operates the store A is listed, the settlement server 10 may select an investment product corresponding to the stock issued by the company that operates the store A. For example, the settlement server 10 selects stocks issued by a company that operates store A, an investment trust that invests in the stocks, and the like.

Further, the settlement server 10 may estimate the attribute of the user U1 based on the store information associated with the store A, and select an investment product corresponding to the estimated attribute. For example, when the store A specializes in providing golf equipment as a transaction target, the payment server 10 estimates that the attribute of the user U1 is "golf lover", and a golf-related company (for example, a golf equipment store or a golf equipment store, etc.) Select investment products for investment by golf equipment manufacturers and golf course management companies.

Further, the payment server 10 may select an investment product in a price range corresponding to the payment amount of the user U1 for the store A. For example, the settlement server 10 manages the rank of the user according to the settlement amount (for example, the estimated annual income of the user U1) in association with the investment product corresponding to the rank. Then, the payment server 10 selects an investment product associated with a rank corresponding to the payment amount of the user U1.

Subsequently, the payment server 10 proposes to the user U1 the purchase of the investment product selected via the payment application (step S6). For example, the information to propose the purchase of the investment product selected in step S5 is delivered to the terminal device 100 via the finance application which is a mini application started in the payment application.

Subsequently, the payment server 10 notifies the information corresponding to the investment product purchased by the user U1 using the finance application (step S7). For example, when the user U1 purchases an investment product for which the store A is an investment target, the user U1 collects information such as news articles about the store A and the industry to which the store A belongs, and gives a predetermined notification based on the collected information. .. To give a specific example, when information on scandals (recalls, etc.) related to store A or poor business performance is collected, the settlement server 10 gives a notification proposing the sale of investment products.

As described above, the payment server 10 according to the embodiment proposes to the user the purchase of the investment product based on the information about the store where the user has made the electronic payment. As a result, the payment server 10 according to the embodiment can select an investment product corresponding to the potential interest of the user indicated by the purchasing behavior using electronic payment and propose a purchase. That is, the payment server 10 according to the embodiment can appropriately select a financial product that proposes a purchase to the user.

Further, since the payment server 10 according to the embodiment can acquire information on the store where the user uses the payment application, information on the store used (for example, the attributes of the user who uses the store and the transaction provided by the store). It becomes possible to acquire the interest of the user indicated by (target), and it is possible to select an appropriate financial product. Further, the payment server 10 according to the embodiment proposes the purchase of a financial product via a finance application which is a mini application started in the payment application, and the balance of electronic money charged in the payment application or a fraction of the balance. By making it possible to use the points given at the time of settlement for investment, it is possible to give an opportunity for the user to purchase a financial product. In addition, the payment server 10 according to the embodiment recommends a financial product related to a product purchased using the payment application through the payment application, so that the user can use the store that is a factor in recommending the financial product. Since it is possible to grasp intuitively, it is possible to make a recommendation that does not make the user feel uncomfortable. Further, since the payment server 10 according to the embodiment can acquire information on the actual store where the user has made a payment by using the payment application, the user does not bother to purchase in an online service such as an electronic commerce service. It becomes possible to acquire information on stores that provide products (for example, groceries such as sweets), and it is possible to propose the purchase of financial products based on the tastes of users offline. As described above, since the payment application and the investment have a high affinity, the payment server 10 according to the embodiment can improve the quality of the finance service.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 2 is a diagram showing a configuration example of a payment server according to the embodiment. As shown in FIG. 4, the payment server 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 100 and the like.

(About storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31, an investment product database 32, a store information database 33, and a user information database 34.

(About account database 31)
The account database 31 stores various information about an account (payment account) owned by a user, a business operator, or the like in an electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

The "account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and for example, identification information for identifying the owner is stored. "Account balance" indicates the balance of the account.

That is, FIG. 3 shows an example in which the information of the account holder identified by the account ID “AID # 1” is “user # 1” and the account balance is “7,800 yen”.

(About investment product database 32)
The investment product database 32 stores various information regarding investment products provided in the finance service. Here, an example of the information stored in the investment product database 32 will be described with reference to FIG. FIG. 4 is a diagram showing an example of the investment product database according to the embodiment. In the example of FIG. 4, the investment product database 32 has items such as "investment product ID", "type", "brand", "industry", "price", and "product content".

The “investment product ID” indicates identification information for identifying the investment product. “Type” indicates the type of investment product (for example, stocks, investment trusts, etc.). “Brand” indicates the name of the investment product. “Industry” refers to the industry to which the company issuing the shares to be invested belongs. "Price" indicates the price of an investment product. “Product content” indicates the content of investment products (for example, various classifications of stocks, classifications of investment trusts by investment trust associations, etc.).

That is, in FIG. 4, the type of investment product identified by the investment product ID "CID # 1" is "stock", the brand is "stock # 1", the industry is "industry # 1", and the price is "price #". 1 ”, an example in which the product content is“ product content # 1 ”is shown.

(About store information database 33)
The store information database 33 stores various information about a store that accepts payment from a user using an electronic payment service (that is, a member store of the electronic payment service). Here, an example of the information stored in the store information database 33 will be described with reference to FIG. FIG. 5 is a diagram showing an example of a store information database according to the embodiment. In the example of FIG. 5, the store information database 33 has items such as "store ID", "business ID", "industry", "transaction target", "location", and "presence or absence of listing".

The "store ID" indicates identification information for identifying a store. The "business operator ID" indicates identification information for identifying the business operator (company) that manages the store. "Industry" indicates the industry to which the store belongs. “Transaction target” indicates a transaction target provided by the store. "Location" indicates the location of the store. "Presence / absence of listing" indicates whether or not the company that manages the store is listed. For example, information such as "Yes" indicating that the store is listed and "No" indicating that the store is not listed is stored. Will be done.

That is, in FIG. 5, the store identified by the store ID "SID # 1" is managed by the business operator identified by the business operator ID "MID # 1", the industry to which it belongs is "industry # 1", and the transaction target is "Transaction target # 1", the location is "location # 1", indicating that it is listed.

(About user information database 34)
The user information database 34 stores various information about users of the service provided by the payment server 10. Here, an example of the information stored in the user information database 34 will be described with reference to FIG. FIG. 6 is a diagram showing an example of a user information database according to the embodiment. In the example of FIG. 6, the user information database 34 has items such as "user ID", "payment history", "usage history", "attribute information", and "purchased investment product".

The "user ID" indicates identification information for identifying a user. The "payment history" shows the history of payments made using an electronic payment service, and stores information such as a payment destination and a payment amount. "Usage history" indicates the usage history of various services. "Attribute information" indicates user attributes (demographic attributes, psychographic attributes) estimated based on payment history, usage history, and the like. The “purchased investment product” indicates an investment product purchased by a user through a finance service, and has an item such as an “investment product ID”. The “investment product ID” indicates identification information for identifying the investment product.

That is, in FIG. 6, the payment history of the user identified by the user ID “UID # 1” is “payment history # 1”, the usage history is “usage history # 1”, and the attribute information is “attribute information # 1”. An example is shown in which the purchased investment product is identified by the investment product ID “CID # 1”.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 2, the control unit 40 according to the embodiment includes an acquisition unit 41, a settlement processing unit 42, an estimation unit 43, a selection unit 44, a proposal unit 45, and a notification unit 46. Realize or execute the information processing functions and operations described below.

(About acquisition unit 41)
The acquisition unit 41 acquires store information about the store where the user has made a payment using a predetermined payment means. For example, in the example of FIG. 1, the acquisition unit 41 acquires payment information including the store ID indicated by the store identification information C1 read by the terminal device 100 and the user ID of the user U1.

In addition, the acquisition unit 41 may acquire store information indicating the settlement amount in the settlement. For example, in the example of FIG. 1, the acquisition unit 41 acquires payment information indicating the payment amount input by the user U1.

In addition, the acquisition unit 41 may acquire store information regarding a store that has made a payment using a user terminal used by the user. For example, in the example of FIG. 1, the acquisition unit 41 acquires payment information related to payment performed by the terminal device 100 reading the store identification information C1.

The acquisition unit 41 may acquire payment information from a store terminal installed in the store. For example, when the store terminal reads the user identification information for identifying the user displayed on the terminal device 100 and the payment is made, the acquisition unit 41 uses the payment information indicating the payment as the store terminal. Get from.

In addition, the acquisition unit 41 may acquire store information about the store from a business operator that manages the store. For example, the acquisition unit 41 acquires the store information input by the business operator via the payment application for the business operator from the terminal device used by the business operator and stores it in the store information database 33.

(About payment processing unit 42)
The payment processing unit 42 executes the payment processing according to the payment information acquired by the acquisition unit 41. For example, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the user's account indicated by the user ID to the store account indicated by the store ID.

(About estimation unit 43)
The estimation unit 43 estimates the attributes of the user based on the store information. For example, the estimation unit 43 refers to the store information database 33 and estimates the attributes of the user based on the store information associated with the store in which the user has made a payment. To give a specific example, in the example of FIG. 1, when the store A professionally provides golf equipment as a transaction target, the estimation unit 43 estimates that the attribute of the user U1 is "golf lover". In addition, the estimation unit 43 determines when the number of electronic payments made by the user at a store specializing in golf equipment is equal to or greater than a predetermined threshold value, or the total amount of electronic payments made to the store is predetermined. When it is equal to or more than the threshold value, the attribute of the user may be estimated to be "golf lover".

In addition, the estimation unit 43 may estimate the attributes of the user based on the attributes of other users who use the store. For example, the estimation unit 43 refers to the store information database 33 and the user information database 34, and based on the attribute information of another user who has made a payment to the store where the user has made a payment, the user's attributes. To estimate. To give a specific example, in the estimation unit 43, users who have made payments to a store in which the number of payments made by users having a specific hobby / preference is equal to or greater than a predetermined threshold value have the same hobby / preference. Is presumed to have.

(About selection unit 44)
The selection unit 44 selects a financial product that proposes a purchase to the user based on the store information acquired by the acquisition unit 41. For example, in the example of FIG. 1, the selection unit 44 refers to the investment product database 32 and the store information database 33, and proposes a purchase to the user U1 based on the store ID indicated by the payment information acquired from the terminal device 100. Select an investment product.

In addition, the selection unit 44 may select a financial product corresponding to the industry to which the store belongs. For example, in the example of FIG. 1, when the store A belongs to the industry “apparel”, the selection unit 44 selects the investment product corresponding to the industry “apparel”.

In addition, the selection unit 44 may select an investment trust corresponding to the industry to which the store belongs. For example, in the example of FIG. 1, when the store A belongs to the industry “apparel”, the selection unit 44 selects an investment trust whose investment target is the industry “apparel”.

In addition, the selection unit 44 may select a financial product that includes a company that operates a store as an investment target. For example, in the example of FIG. 1, the selection unit 44 selects an investment trust whose investment target is stocks issued by the company that operates the store A.

In addition, the selection unit 44 may select shares issued by the company that operates the store. For example, in the example of FIG. 1, the selection unit 44 selects shares issued by the company that operates the store A.

If the company that operates the store is not listed, the selection unit 44 may select a financial product related to the company corresponding to the company. For example, the selection unit 44 selects investment products (for example, stocks) related to a company whose transaction target or business content to be provided corresponds to a company that operates a store for which the user has settled.

In addition, the selection unit 44 may select a financial product related to a company related to the transaction target provided by the store. For example, in the example of FIG. 1, when the store A specially provides golf equipment as a transaction target, the selection unit 44 selects an investment product for which a golf-related company is an investment target.

Further, the selection unit 44 may select a financial product corresponding to the user's attribute estimated by the estimation unit 43. For example, in the example of FIG. 1, when the attribute of the user U1 is presumed to be "golf lover", the selection unit 44 selects an investment product for which a company related to golf is to be invested.

In addition, the selection unit 44 may select a financial product related to a company that provides a transaction target corresponding to the user's attribute. For example, in the example of FIG. 1, when the attribute of the user U1 is estimated to be "golf lover", the selection unit 44 makes an investment targeting a golf equipment store, a golf equipment manufacturer, a golf course management company, or the like. Select a product.

In addition, the selection unit 44 may select a financial product in the price range corresponding to the settlement amount. For example, in the example of FIG. 1, the selection unit 44 selects an investment product associated with a rank corresponding to the settlement amount of the user U1.

Here, for example, a purchase proposal is made according to the case where the user actively uses a company with stable business performance (for example, a long-established company) or the user actively uses a start-up company. There may be a desire to select a financial product to be used. Therefore, the selection unit 44 may select a financial product corresponding to the price movement of stocks issued by the company that operates the store. For example, the selection unit 44 selects an investment trust that is managed so as to be linked to the movement of the stock price of the stock issued by the company that operates the store where the user has settled.

In addition, if the period that has passed since the company that operates the store has not passed the predetermined period, the selection unit 44 provides finance regarding the company that operates the store and the company that corresponds to the period that has passed since the listing. You may select a product. For example, when the number of payments made by a user to a store for which a predetermined period has not passed since listing is equal to or greater than a predetermined threshold value, the selection unit 44 selects a financial product for investment in a start-up company. select.

Furthermore, it is possible that the user may be interested in the store for which the business content corresponds to the store for which the user has made a payment as an investment target. Therefore, the selection unit 44 may select a financial product related to a company whose store and business content correspond to each other. For example, when the business content of a store in which the user has made payments more than a predetermined number of times is "fast fashion", the selection unit 44 provides finance for investing in other stores whose business content is "fast fashion". Select a product. To give a specific example, when the store where the user has settled is a domestic company, the selection unit 44 selects a financial product for investment in a foreign company whose business content corresponds to the store. ..

Furthermore, there may be a desire to attract users' interest by proposing the purchase of financial products for investment in stores (local companies, etc.) located in the user's base (home range). Therefore, the selection unit 44 may estimate the user's base based on the store location information indicated by the store information and select the financial product related to the local company corresponding to the base. For example, the selection unit 44 invests in a local company corresponding to a user's base (for example, home, commuting destination, school destination, etc.) estimated based on the location of the store where the user made a payment. Select a financial product.

Furthermore, it is conceivable that there is a factor that attracts the user's interest regarding the store where the payment is made by another user who has the same attributes as the user. Therefore, the selection unit 44 may select a financial product related to a store in which another user who has the same attributes as the user makes a payment. For example, when the user's attribute is "golf lover", the selection unit 44 selects a financial product whose investment target is a store in which another user who has the "golf lover" attribute has settled.

Furthermore, financial products purchased by other users who have made payments to the same store as the user may be of interest to the user. Therefore, the selection unit 44 may select a financial product purchased by another user who has used the store. For example, the selection unit 44 selects a financial product purchased by another user who has made a payment to the same store as the user.

Furthermore, there may be a request to propose the purchase of financial products in the price range corresponding to the average customer unit price of the store where the user has settled. Therefore, the selection unit 44 may select a financial product in the price range corresponding to the store. For example, the selection unit 44 selects a financial product corresponding to the estimated annual income of the user based on the average customer unit price of the store where the user has settled.

In the above-described embodiment, for example, when there is only one financial product to be purchased, the selection unit 44 may determine whether or not to propose the purchase of the financial product. That is, selecting a financial product means not only the process of selecting one of two or more financial products as a financial product for which a purchase is proposed, but also the concept of determining whether or not to propose the purchase of a financial product. It includes.

(About Proposal Department 45)
The proposal unit 45 is a predetermined platform that provides a predetermined payment means using a user terminal used by the user, and is selected by the selection unit 44 via a predetermined platform that distributes information about financial products. Propose the purchase of financial products. For example, in the example of FIG. 1, the proposal unit 45 distributes information to the terminal device 100 to propose the purchase of the selected investment product via the finance application, which is a mini application activated in the payment application.

(About notification unit 46)
When the user purchases the financial product selected by the selection unit 44, the notification unit 46 gives a predetermined notification according to the information about the company corresponding to the financial product. For example, in the example of FIG. 1, when the user U1 purchases an investment product for which store A is an investment target, the notification unit 46 collects information such as news articles about store A and the industry to which store A belongs. Make a predetermined notification based on the collected information.

[3. Flow of selection process]
The procedure of the selection process of the payment server 10 according to the embodiment will be described with reference to FIG. 7. FIG. 7 is a flowchart showing an example of the procedure of the selection process according to the embodiment.

As shown in FIG. 7, the payment server 10 acquires store information regarding a store that has made a payment using a user terminal used by the user (step S101). Subsequently, the payment server 10 selects an investment product that proposes a purchase to the user based on the store information (step S102). Subsequently, the payment server 10 proposes the purchase of the investment product via a predetermined platform (step S103), and ends the process.

[4. Modification example]
The above-described embodiment shows an example, and various modifications and applications are possible.

[4-1. About financial products]
In the above-described embodiment, the selection unit 44 has shown an example of selecting a stock or an investment trust as a financial product that proposes a purchase to a user, but the financial product is not limited to such an example, and any financial product is provided. You may select a product. For example, the financial product selected by the selection unit 44 may be government bonds, corporate bonds, real estate, foreign currency deposits, foreign exchange such as FX (Foreign Exchange), virtual currency, futures trading, insurance, deposits and savings, and the like.

[4-2. About target information]
In the above-described embodiment, the acquisition unit 41 has shown an example of acquiring store information about a store that has made a payment at an actual store using the terminal device 100 in which the payment application is installed, but the function of the acquisition unit 41 is this. The present invention is not limited to such an example, and the store information regarding the store where the user has made a payment may be acquired by an arbitrary method. For example, the acquisition unit 41 is a store used by a user in a predetermined electronic commerce service and has made a payment (that is, online payment) using the electronic payment service provided by the above-mentioned payment application (online store). ) To get store information. To give a specific example, the acquisition unit 41 acquires store information about a store where a user has made a payment in a shopping service provided in a mini application started in the payment application, a flea market service, an auction service, or the like. do.

Further, the acquisition unit 41 is not limited to the store where the user made the payment using the payment application, and may acquire the store information regarding the store where the payment was made by another payment means. For example, the payment server may manage the information regarding the association between the user and the credit card owned by the user in the storage unit 30. Then, the acquisition unit 41 may acquire store information about the store where the user has made a payment by using the credit card associated with the user.

[4-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of the device is functionally or physically dispersed / physically distributed in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes an acquisition unit 41, a payment processing unit 42, an estimation unit 43, a selection unit 44, a proposal unit 45, and a notification unit 46. The acquisition unit 41 acquires store information about the store where the user has made a payment using a predetermined payment means. In addition, the acquisition unit 41 acquires store information indicating the settlement amount in the settlement. In addition, the acquisition unit 41 acquires store information regarding the store that has made a payment using the user terminal used by the user. The payment processing unit 42 executes the payment processing according to the payment information acquired by the acquisition unit 41. The estimation unit 43 estimates the attributes of the user based on the store information. In addition, the estimation unit 43 estimates the attributes of the user based on the attributes of other users who use the store. The selection unit 44 selects a financial product that proposes a purchase to the user based on the store information acquired by the acquisition unit 41. Further, the selection unit 44 selects a financial product corresponding to the user's attribute estimated by the estimation unit 43. In addition, the selection unit 44 selects a financial product in the price range corresponding to the settlement amount. The proposal unit 45 is a predetermined platform that provides a predetermined payment means using a user terminal used by the user, and is selected by the selection unit 44 via a predetermined platform that distributes information about financial products. Propose the purchase of financial products. When the user purchases the financial product selected by the selection unit 44, the notification unit 46 gives a predetermined notification according to the information about the company corresponding to the financial product.

As a result, the payment server 10 according to the embodiment can select a financial product corresponding to the potential interest of the user indicated by the purchasing behavior using electronic payment, so that the financial product that proposes the purchase to the user is appropriate. You can choose to and propose a purchase.

Further, in the payment server 10 according to the embodiment, for example, the selection unit 44 selects a financial product corresponding to the industry to which the store belongs. In addition, the selection unit 44 selects an investment trust corresponding to the industry to which the store belongs. In addition, the selection unit 44 selects a financial product that includes a company that operates a store as an investment target. In addition, the selection unit 44 selects shares issued by the company that operates the store. If the company that operates the store is not listed, the selection unit 44 selects a financial product related to the company and the corresponding company. In addition, the selection unit 44 selects a financial product related to a company related to the transaction target provided by the store. In addition, the selection unit 44 selects a financial product related to a company that provides a transaction target corresponding to the user's attribute.

As a result, the payment server 10 according to the embodiment can select a financial product that is presumed to be of interest to the user or a financial product that corresponds to the attribute and that corresponds to the income of the user. Appropriately select financial products that offer purchases to users.

Further, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product corresponding to the price movement of the stock issued by the company that operates the store. In addition, if the period that has passed since the company that operates the store has not passed the predetermined period, the selection unit 44 provides finance regarding the company that operates the store and the company that corresponds to the period that has passed since the listing. Select a product.

As a result, the payment server 10 according to the embodiment can be purchased depending on whether the user actively uses a company whose business performance is stable or the user actively uses a start-up company. Since the financial product to be proposed can be selected, the financial product can be selected appropriately.

Further, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product related to a company whose store and business content correspond to each other.

As a result, the payment server 10 according to the embodiment can select a financial product for investment in a store that is presumed to be of interest to the user and a store whose business content corresponds to the store, so that the financial product that the user proposes to purchase is appropriate. Can be selected.

Further, in the payment server 10 according to the embodiment, for example, the selection unit 44 estimates the user's base based on the store location information indicated by the store information, and selects a financial product related to the local company corresponding to the base.

As a result, the payment server 10 according to the embodiment can attract the user's interest by proposing the purchase of a financial product for which the store (local company, etc.) located at the user's base is targeted for investment. , You can properly select the financial product you are proposing to buy.

Further, in the payment server 10 according to the embodiment, for example, the selection unit 44 selects a financial product related to a store in which another user having the same attributes as the user makes a payment.

As a result, the payment server 10 according to the embodiment can select a financial product related to a store in which another user who has the same attributes as the user has made a payment, so that the user can select a financial product that is of interest to the user.

Further, in the payment server 10 according to the embodiment, for example, the selection unit 44 selects a financial product purchased by another user who has used the store.

As a result, the payment server 10 according to the embodiment can select a financial product purchased by another user who has made a payment to the same store as the user, so that the user can select a financial product that interests him / her. ..

Further, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product in the price range corresponding to the store.

As a result, the payment server 10 according to the embodiment can propose the purchase of a financial product in the price range corresponding to the average customer unit price of the store where the user has settled, and thus the financial product suitable for the user. Can propose the purchase of.

[6. Hardware configuration]
Further, the payment server 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the payment server 10 will be described as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that realizes the function of the payment server. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the data generated by the CPU 1100 via the communication network 500 is transmitted to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1200. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on the RAM 1200. Further, each data in the storage device of the payment server 10 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to practice the present invention in other improved forms.

Further, the configuration of the payment server 10 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the acquisition unit can be read as an acquisition means or an acquisition circuit.

1 Selection system 10 Payment server 20 Communication unit 30 Storage unit 31 Account database 32 Investment product database 33 Store information database 34 User information database 40 Control unit 41 Acquisition unit 42 Payment processing unit 43 Estimating unit 44 Selection unit 45 Proposal unit 46 Notification unit 100 terminal device

Claims (27)

A storage unit that stores information about financial products and store information about stores,
An acquisition unit for a user to get the settlement information about the settlement, which was made to the store using a predetermined settlement means,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition unit is specified, and the financial product indicated by the information stored in the storage unit is specified. a selection unit for selecting a financial instrument as a financial instrument to propose a purchase to the user with the store information and a predetermined relationship was,
A predetermined platform that provides the predetermined payment means using the user terminal used by the user, and is a financial product selected by the selection unit via a predetermined platform that distributes information about the financial product. A selection device comprising a proposal unit that proposes the purchase of a financial product that can be purchased using the predetermined payment means. A storage unit that stores information about financial products and store information about stores,
An acquisition unit that acquires payment information related to payments made to stores by users using a predetermined payment method,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition unit is specified, and the financial product indicated by the information stored in the storage unit is specified. A selection unit that selects a financial product that has a predetermined relationship with the store information as a financial product that proposes purchase to the user.
When the user purchases a financial product selected by the selection unit, a notification unit that gives a predetermined notification to the user according to information about a company corresponding to the financial product.
A selection device characterized by having. A storage unit that stores information about financial products and store information about stores,
An acquisition unit that acquires payment information related to payments made to stores by users using a predetermined payment method,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition unit is specified, and the store information is stored in the storage unit based on the specified store information. With the selection unit that selects the financial product related to the store from the financial products indicated by the information as the financial product that proposes the purchase to the user.
A selection device characterized by having. The selection unit
The selection device according to any one of claims 1 to 3, wherein a financial product corresponding to the industry to which the store belongs is selected. The selection unit
The selection device according to claim 4 , wherein an investment trust corresponding to the industry to which the store belongs is selected. The selection unit
The selection device according to any one of claims 1 to 5 , wherein a financial product including the company that operates the store is selected as an investment target. The selection unit
The selection device according to any one of claims 1 to 6 , wherein the stock issued by the company operating the store is selected. The selection unit
The selection device according to any one of claims 1 to 7 , wherein a financial product related to a company related to a transaction target provided by the store is selected. The selection unit
The selection device according to any one of claims 1 to 8 , wherein a financial product corresponding to the price movement of stocks issued by the company operating the store is selected. The selection unit
The selection device according to any one of claims 1 to 9 , wherein when the company that operates the store is not listed, a financial product related to the company corresponding to the company is selected. The selection unit
If the period that has passed since the company that operates the store has not passed the specified period, select a financial product related to the company that operates the store and the company that has passed since the listing. The selection device according to any one of claims 1 to 10. The selection unit
The selection device according to any one of claims 1 to 11 , wherein a financial product relating to a company whose business contents correspond to the store is selected. The selection unit
One of claims 1 to 12 , wherein the user's base is estimated based on the location information of the store indicated by the store information, and a financial product related to a local company corresponding to the base is selected. The selection device described. It also has an estimation unit that estimates the attributes of the user based on the store information.
The selection unit
The selection device according to any one of claims 1 to 13 , wherein a financial product corresponding to the attribute of the user estimated by the estimation unit is selected. The estimation unit
The selection device according to claim 14 , wherein the attributes of the user are estimated based on the attributes of other users who use the store. The selection unit
The selection device according to claim 14 or 15 , wherein a financial product relating to a company that provides a transaction target corresponding to the attribute of the user is selected. The selection unit
The selection device according to any one of claims 14 to 16 , wherein another user having the same attributes as the user selects a financial product related to a store for which payment is made. The selection unit
The selection device according to any one of claims 1 to 17 , wherein a financial product purchased by another user who has used the store is selected. The acquisition unit
Acquire the store information indicating the settlement amount in the settlement, and
The selection unit
The selection device according to any one of claims 1 to 18 , wherein a financial product in a price range corresponding to the settlement amount is selected. The selection unit
The selection device according to any one of claims 1 to 19 , wherein a financial product in a price range corresponding to the store is selected. The acquisition unit
The selection device according to any one of claims 1 to 20, wherein the store information regarding the store for which payment has been made using the user terminal used by the user is acquired. It ’s a computer-based choice.
A storage process that stores information about financial products and store information about stores in the storage unit,
An acquisition step for the user to get the settlement information about the settlement, which was made to the store using a predetermined settlement means,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition process is specified, and the financial product indicated by the information stored in the storage unit is specified. A selection process for selecting a financial product having a predetermined relationship with the store information as a financial product that proposes purchase to the user, and
A predetermined platform that provides the predetermined payment means using the user terminal used by the user, and is a financial product selected by the selection process via a predetermined platform that distributes information about the financial product. A selection method comprising a proposal process of proposing the purchase of a financial product that can be purchased using the predetermined payment means. A storage procedure for storing information about financial products and store information about stores in the storage unit,
And acquisition procedure for a user to get the settlement information about the settlement, which was made to the store using a predetermined settlement means,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition procedure is specified, and the financial product indicated by the information stored in the storage unit is specified. A selection procedure for selecting a financial product having a predetermined relationship with the store information as a financial product that proposes purchase to the user, and a selection procedure .
A predetermined platform that provides the predetermined payment means using the user terminal used by the user, and is a financial product selected by the selection procedure via a predetermined platform that distributes information about the financial product. A selection program for causing a computer to execute a proposal procedure for proposing the purchase of a financial product that can be purchased using the predetermined payment means. It ’s a computer-based choice.
A storage process that stores information about financial products and store information about stores in the storage unit,
An acquisition process for acquiring payment information related to payments made to a store by a user using a predetermined payment method,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition process is specified, and the financial product indicated by the information stored in the storage unit is specified. A selection process for selecting a financial product having a predetermined relationship with the store information as a financial product that proposes purchase to the user, and
When the user purchases a financial product selected by the selection process, a notification process of giving a predetermined notification to the user according to information about a company corresponding to the financial product.
A selection method characterized by including. A storage procedure for storing information about financial products and store information about stores in the storage unit,
An acquisition procedure for acquiring payment information related to payments made to a store by a user using a predetermined payment method, and
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition procedure is specified, and the financial product indicated by the information stored in the storage unit is specified. A selection procedure for selecting a financial product having a predetermined relationship with the store information as a financial product that proposes purchase to the user, and a selection procedure.
When the user purchases the financial product selected by the selection procedure, the notification procedure is to give a predetermined notification to the user according to the information about the company corresponding to the financial product.
A selection program that lets your computer run. It ’s a computer-based choice.
A storage process that stores information about financial products and store information about stores in the storage unit,
An acquisition process for acquiring payment information related to payments made to a store by a user using a predetermined payment method,
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired in the acquisition process is specified, and the store information is stored in the storage unit based on the specified store information. With the selection process of selecting the financial product related to the store from the financial products indicated by the information as the financial product that proposes the purchase to the user.
A selection method characterized by including. A storage procedure for storing information about financial products and store information about stores in the storage unit,
An acquisition procedure for acquiring payment information related to payments made to a store by a user using a predetermined payment method, and
Among the store information stored in the storage unit, the store information corresponding to the store indicated by the payment information acquired by the acquisition procedure is specified, and the store information is stored in the storage unit based on the specified store information. A selection procedure for selecting a financial product related to the store from the financial products indicated by the information as a financial product that proposes purchase to the user.
A selection program that lets your computer run.

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