JP2020047116A - Device, method, and program for processing information - Google Patents

Abstract

To allow for appropriate provision of payment services.SOLUTION: An information processing device of the present invention comprises an acquisition unit and a determination unit. The acquisition unit acquires payment request information requesting payment for a purchase made by a user at a store and context information regarding the purchase. The determination unit determines whether to permit the payment or not on the basis of the payment request information and the context information acquired by the acquisition unit.SELECTED DRAWING: Figure 3

Description

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

  2. Description of the Related Art Conventionally, various technologies related to providing a service to a user using information acquired from a user's terminal device or the like have been provided. For example, a technique for performing authentication based on information on a captured image and a position where the image is captured has been provided.

JP 2015-046052 A JP 2014/092831 A

  However, in the above-described conventional technology, it is not always possible to appropriately provide a service relating to settlement. In the above-described conventional technology, it is only determined whether the position acquired together with the image is within the range of the position associated with the image in advance, and a service related to settlement is appropriately provided, for example, from the viewpoint of security or the like. There is a problem that it may be difficult.

  The present application has been made in view of the above, and has as its object to provide an information processing apparatus, an information processing method, and an information processing program that can appropriately provide a service related to payment.

  An information processing apparatus according to the present application includes: an acquisition unit that acquires payment request information for requesting payment of a user's purchase at a store; and an acquisition unit that acquires context information about the purchase; and the payment request information and the context acquired by the acquisition unit. A determination unit for determining whether to permit the settlement based on the information.

  According to an aspect of the embodiment, there is an effect that a service related to payment can be appropriately provided.

FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the information processing system according to the embodiment. FIG. 3 is a diagram illustrating a configuration example of the information processing apparatus according to the embodiment. FIG. 4 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 5 is a diagram illustrating an example of a company information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a payment information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of a determination result information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of the behavior information storage unit according to the embodiment. FIG. 9 is a flowchart illustrating an example of information processing according to the embodiment. FIG. 10 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing device.

  Hereinafter, an information processing apparatus, an information processing method, and an embodiment (hereinafter, referred to as “embodiment”) for implementing an information processing program according to the present application will be described in detail with reference to the drawings. The information processing apparatus, the information processing method, and the information processing program according to the present application are not limited by the embodiment. In the following embodiments, the same portions are denoted by the same reference numerals, and redundant description will be omitted.

(Embodiment)
[1. Information processing)
First, an example of information processing according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. The example of FIG. 1 illustrates a case where the information processing apparatus 100 determines whether to permit the settlement based on settlement request information requesting settlement of a user's purchase at a store and context information regarding the purchase. The details of the context information will be described later. In addition, the store referred to here may be in the form of a store in a real estate such as a building as long as product sales, service provision, and the like are performed, or may be integrated with a predetermined moving body such as a stall or an automobile. It may be in the form of a model store. That is, the store referred to here may be a store with a fixed position (location) or a store with a variable position (location).

[Configuration of information processing system]
Prior to the description of FIG. 1, the configuration of the information processing system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the information processing system according to the embodiment. As illustrated in FIG. 2, the information processing system 1 includes a user terminal 10, a store terminal 20, a service providing device 50, and an information processing device 100. The user terminal 10, the shop terminal 20, the service providing apparatus 50, and the information processing apparatus 100 are communicably connected via a predetermined network N by wire or wirelessly. Note that the information processing system 1 illustrated in FIG. 2 includes a plurality of user terminals 10, a plurality of store terminals 20, a plurality of service providing apparatuses 50, and a plurality of information processing apparatuses 100. Is also good.

  The user terminal 10 is an information processing device used by a user. The user terminal 10 is a terminal device used by a user. For example, the user terminal 10 is a terminal device carried by the user. The user terminal 10 can read a predetermined code such as a two-dimensional code. For example, the user terminal 10 may have a predetermined application (hereinafter, also referred to as “app”) that provides a function of detecting (reading) a QR code (Quick Response Code) (registered trademark). In the example of FIG. 1, it is assumed that the user terminal 10 has installed an application AP1 that provides a service of QR code (registered trademark) payment. The application AP1 is an application for performing QR code (registered trademark) settlement, and is an application that can detect a QR code (registered trademark). The user terminal 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a mobile phone, a smart speaker, a PDA (Personal Digital Assistant), or the like.

  FIG. 1 shows a case where the user terminal 10 is a smartphone. For example, the user terminal TM1-1 which is the user terminal 10 corresponds to the user terminal 10 used by the user U1 shown in FIG. As described above, when “user U * (* is an arbitrary numerical value)” is described, it indicates that the user is a user identified by the user ID “U *”. For example, when "user U1" is described, the user is a user identified by the user ID "U1".

  The user terminal 10 identified by the terminal ID “TM1-1” is the user terminal 10 used by the user U1, and may be described as the user terminal TM1-1 as described above. As described above, when the user terminals 10 are distinguished from each other, the terminal ID (such as TM1-1) is added to the end of the “user terminal”. When each user terminal 10 is described without particular distinction, it is simply described as “user terminal 10”.

  In the following, the user terminal 10 used by the user and the user may be read as each other. For example, when "user U1" is described, it may be read as "user terminal TM1-1" which is the user terminal 10 used by the user U1. When described as "user terminal TM1-1", it may be read as "user U1" who is a user using the user terminal TM1-1.

  In addition, the user terminal 10 may have a function of performing near field communication with another user terminal 10 or a terminal device such as the shop terminal 20 using the short-range wireless communication technology. For example, the user terminal 10 has a function of performing proximity communication with another user terminal 10 or a terminal device such as the shop terminal 20 by appropriately using various conventional technologies related to NFC (Near Field Communication), beacons, and the like. For example, the user terminal 10 may be a terminal device such as another user terminal 10 or a store terminal 20 by appropriately using various conventional wireless communication technologies such as Bluetooth (registered trademark) and WiFi (registered trademark) (Wireless Fidelity). And near field communication may be performed.

  Further, the user terminal 10 collects information detected by various sensors (hereinafter, also referred to as “sensor information”). The user terminal 10 includes a sensor unit including various sensors. It is assumed that the user terminal 10 has a function of a position sensor such as a GPS (Global Positioning System) sensor, and can detect and acquire the position of the user. Further, the user terminal 10 may estimate and acquire the position information of the user by using the position information of the base station with which the communication is being performed or the radio wave of Wi-Fi (registered trademark). In the following, the position information may be simply described as “position”.

  In addition, the user terminal 10 has a sound sensor that detects sound such as a microphone. For example, the user terminal 10 detects the utterance of the user around the user terminal 10 by the sound sensor. For example, the user terminal 10 may be a device (voice assist terminal) that detects surrounding sounds and performs various processes according to the detected sounds. For example, the user terminal 10 is a terminal device that processes a user's utterance. For example, the user terminal 10 collects not only the utterance of the user but also environmental sounds around the user terminal 10. The user terminal 10 is not limited to the above, and may have various sensors. For example, the user terminal 10 includes various sensors such as an acceleration sensor, a gyro sensor, a temperature sensor, a humidity sensor, an illuminance sensor, a pressure sensor, a proximity sensor, and a sensor for acquiring biological information such as odor, sweat, heartbeat, pulse, and brain wave. May be provided. Then, the user terminal 10 may transmit various types of sensor information detected by various types of sensors to the information processing apparatus 100 as context information.

  In addition, the user terminal 10 may have a voice recognition function. Further, the user terminal 10 may be able to acquire information from a voice recognition server that provides a voice recognition service. In this case, the information processing system 1 may include a voice recognition server. In the example of FIG. 1, the user terminal 10 and the voice recognition server recognize the user's utterance using various conventional techniques as appropriate and estimate the uttered user, and a description thereof will be omitted as appropriate.

  Further, the user terminal 10 may include an image sensor and the like. For example, the user terminal 10 has various functions such as an infrared sensor, a human sensor, a temperature sensor, and a barometric pressure sensor, and can detect and acquire sensor information about the environment around the user terminal 10 such as temperature and barometric pressure. There may be. Further, the user terminal 10 transmits various information and the like to the information processing device 100. For example, the user terminal 10 transmits various types of sensor information such as position information about the user to the information processing apparatus 100 as context information.

  The store terminal 20 is an information processing device used in each store. The store terminal 20 is a terminal device used in each store. For example, a clerk of the store SP11, which is a store in a predetermined area (A area) of the convenience store MA, performs an accounting process in the store SP11 using the store terminal 20. As described above, when “store SP * (* is an arbitrary numerical value)” is described, it indicates that the store is a store identified by the store ID “SP *”. For example, when “store SP11” is described, the store is a store identified by the store ID “SP11”.

  For example, the store terminal 20 may be realized by a smartphone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. FIG. 1 shows a case where the store terminal 20 is a terminal device having a cash register function. For example, the store terminal TM2-1 that is the store terminal 20 corresponds to the store terminal 20 used by the store SP11 illustrated in FIG. For example, the store clerk SC1 of the store SP11 transmits and receives information to and from the user terminal 10 and the information processing device 100 using the store terminal TM2-1.

  The store terminal 20 identified by the terminal ID “TM2-1” is the store terminal 20 used by the store SP11, and may be described as the store terminal TM2-1 as described above. As described above, when the store terminals 20 are distinguished from each other, the terminal ID (TM2-1 or the like) is added to the end of the “store terminal”. When each store terminal 20 is described without particular distinction, it is simply described as “store terminal 20”.

  In addition, the store terminal 20 may have a function of performing near-field communication with a terminal device such as the user terminal 10 or another store terminal 20 using the short-range wireless communication technology. For example, the store terminal 20 has a function of performing close proximity communication with the user terminal 10 and other terminal devices such as the store terminal 20 by appropriately using various conventional technologies related to NFC, beacons, and the like. For example, the store terminal 20 communicates with the terminal device such as the user terminal 10 or another store terminal 20 by appropriately using various conventional wireless communication technologies such as Bluetooth (registered trademark) and WiFi (registered trademark). May go.

  The service providing device 50 is an information processing device that provides various services. The service providing device 50 is a payment device that provides a payment service. For example, the service providing apparatus 50 provides a payment service that performs a process related to payment determined to be permitted by the information processing apparatus 100. The service providing device 50 receives the information regarding the payment from the information processing device 100 and performs a payment process using the received information regarding the payment. For example, the service providing apparatus 50 receives, from the information processing apparatus 100, information on payment including payee information indicating a payee, money amount information indicating a money amount, and the like, and displays the payee indicated by the payee information on the money amount indicated by the money amount information. Make a payment. The service providing apparatus 50 provides a settlement service by appropriately using various conventional techniques.

  The information processing apparatus 100 is an information processing apparatus that determines whether to permit payment based on payment request information for requesting payment of a user's purchase at a store and context information regarding purchase. For example, the information processing device 100 is a determination device that determines whether a requested payment is an appropriate payment based on context information regarding a purchase corresponding to the payment, and determines whether to permit the payment. For example, if the requested payment is an appropriate payment, the information processing apparatus 100 determines that the payment is permitted. For example, if the requested payment is not an appropriate payment, the information processing apparatus 100 determines that the payment is not permitted. Further, when it is determined that the payment is to be performed, the information processing apparatus 100 provides (transmits) information related to the payment to the service providing apparatus 50. The information processing apparatus 100 may acquire context information used for determination from an external device such as the user terminal 10 or may acquire the context information from the storage unit 120 (see FIG. 3).

  The context information related to the purchase (hereinafter, also simply referred to as “context information”) includes various information indicating the context in the purchase by the user. For example, the context information includes various types of context information such as information indicating the context of the store where the purchase was made and information indicating the context of the user who made the purchase. The context information may include position information acquired from the store terminal 20 used by the clerk. The context information may include information indicating that a clerk at the store is near the user making the purchase.

  The context information may include information indicating the date and time when the purchase was made. The context information may include information indicating the store where the purchase was made. The context information may include information indicating the business date and time of the store. The context information may include information indicating the store terminal that has processed the purchase of the user. The context information may include information indicating the purchase price of the user. The context information may include information related to communication such as an in-store beacon. The context information may include information related to communication such as Bluetooth (registered trademark) and WiFi (registered trademark).

  For example, the context information may include information on a user attribute. For example, the context information may include information indicating what kind of user the user is. For example, the context information may include information about various users, such as age, profile, interest, and the like. For example, the context information may include information on the context of time or place. For example, the context information may include information about a time zone. For example, the context information may include information indicating which of the 24 time zones the time zone corresponds to from 0 to 23:00. For example, the context information includes four time zones of morning (4-10 o'clock, etc.), daytime (10-16 o'clock, etc.), night (16-22 o'clock, etc.), and midnight (22-4 o'clock, etc.). May be included. For example, the context information includes various times and places such as a stay (residence) time at which the user is located at the place, attributes of the place (commercial and residential areas, etc.) and attributes of the time (morning and night, etc.). Information may be included.

  For example, the context information may include information on the status of the user or the user terminal 10 or the status of the user estimated based on the environment of the user or the user terminal 10 (background). Also, the context information includes the content of the content provided to the user, the content of the content to which the user has responded, the attribute of the user, the current position of the user, the current time, the physical environment in which the user is placed, and the society in which the user is placed. Various information such as the environment, the exercise state of the user, and the estimated emotion of the user may be included. Further, the context information may include various information such as the situation of the user or the user terminal 10 or the user's psychological state estimated based on the environment of the user or the user terminal 10 (background).

  Although not shown, the information processing system 1 may include an information providing device that provides various information to the information processing device 100 and the like. For example, the information providing apparatus is a report processing apparatus that provides open data, which is data that is so-called widely opened use, to the information processing apparatus 100. For example, the information providing device may be an information processing device that is managed by each local government and provides data held by the local government as open data to the outside. Further, for example, the information providing device may be various information processing devices such as a server managed by the Meteorological Agency. The information providing device is not limited to the above as long as the data (information) is permitted to be used, and is not limited to the above, but may be open data on traffic such as road information, open data on weather such as weather and temperature, geospatial information, disaster prevention and mitigation. Various open data such as information, procurement information, and statistical information may be provided. The information processing device 100 may acquire various information from the information providing device. The information processing device 100 may use information acquired from the information providing device as context information.

  Now, the flow of information processing will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing according to the embodiment. Specifically, FIG. 1 is a diagram illustrating an example of information processing including a determination process of determining an output timing of an advertisement and a determination process of determining an effect of an advertisement. In FIG. 1, a process of determining an advertisement and a process of determining an output timing of the advertisement will be described first, and then a process of determining an advertisement effect will be described.

  The example of FIG. 1 shows a case where the user U1 purchases (purchases) a product at a store SP11 which is an A-area store of the convenience store MA shown in the map information MP1. For example, the user terminal TM1-1 detects sensor information using various sensors. For example, the user terminal TM1-1 transmits various sensor information such as position information detected by the position sensor to the information processing apparatus 100 as context information. In the example of FIG. 1, the position information is illustrated by an abstract code such as the position information LC1-1, but the position information may be information indicating specific latitude and longitude (latitude and longitude information). Good. Hereinafter, “position information LC * (* is a character string such as an arbitrary numerical value)” may be described as “position LC *”. For example, a description “position LC1-1” indicates that the position is a position corresponding to the position information LC1-1.

  First, in the example of FIG. 1, the user U1 selects a product to be purchased at the store SP11 (step S11). For example, the user U1 picks up a product to be purchased from the product group displayed in the store SP11 and moves to the position of the store terminal TM2-1 to perform accounting. Then, the user U1 operates the user terminal 10 and activates the application AP1 to perform QR code (registered trademark) payment (step S12). For example, the user U1 starts the application AP1 installed on the user terminal 10. Thereby, the user terminal 10 enters, for example, an imaging mode for detecting (reading) a QR code (registered trademark). Note that the user U1 may perform the action of step S12 before step S11.

  Then, the user terminal 10 detects the code information CD11 which is a QR code (registered trademark) arranged near the store terminal TM2-1 of the store SP11 (Step S13). For example, the user terminal 10 detects the code information CD11 printed on a printed material protruding near the store terminal TM2-1. For example, the user U1 directs the imaging unit (camera) of the user terminal 10 to the code information CD11 and causes the user terminal 10 to read the code information CD11 by including the code information CD11 in the imaging range. For example, the user terminal 10 reads the code information CD11 by appropriately using a conventional technique such as reading various codes such as a QR code (registered trademark). In addition, the code information CD11 is not limited to the case where the code information CD11 is printed and extended as shown in FIG. Although the example of FIG. 1 shows a case where codes such as the code information CD11 are arranged for each store terminal 20, the present invention is not limited to this. For example, there are various codes such as QR codes (registered trademark) for each product. Is also good.

  For example, the code information CD11 includes information (such as a store ID) for identifying the corresponding store SP11. Therefore, the user terminal 10 acquires the store ID “SP11” for identifying the store SP11 by reading the code information CD11. The code information CD11 is not limited to information for identifying the store SP11, and may include various information. For example, the code information CD11 may include information (terminal ID or the like) for identifying the store terminal TM2-1 that is the corresponding store terminal 20. For example, the code information CD11 may include information (eg, a company ID) for identifying the company EP1 (convenience store MA) that is the corresponding company.

  Then, the user U1 inputs the price of the purchased product into the user terminal 10 (Step S14). For example, the user U1 inputs the price of the purchased product in a price input field in the application AP1 of the user terminal 10. Thereby, the user terminal 10 acquires the amount information input by the user U1. Note that any of the processes of steps S13 and S14 may be performed first depending on the contents of the code information CD11, the specifications of the application A, and the like.

  Then, the user U1 presents the screen of the user terminal 10 on which the amount has been input to the clerk SC1, thereby confirming whether the amount input to the clerk SC1 corresponds to the price of the purchased product (step S15).

  Then, the user U1 operates the user terminal 10, and the user terminal 10 transmits the settlement request information and the context information to the information processing device 100 (Step S16). In the example of FIG. 1, after the store clerk SC1 checks the amount information input to the user terminal 10, the user U1 operates the user terminal 10 so that the user terminal 10 transmits the settlement request information and the context information to the information processing device. Send to 100. For example, when the user U1 touches the transmission button of the application A displayed on the user terminal 10, the user terminal 10 transmits the settlement request information and the context information to the information processing device 100.

  In FIG. 1, the user terminal 10 transmits to the information processing apparatus 100 settlement request information including shop identification information indicating that the shop where the purchase was made is the shop SP11. Specifically, the user terminal 10 transmits to the information processing apparatus 100 the payment request information (request payment RS1) including the store ID “SP11” of the store SP11 at which the purchase was performed. That is, the user terminal 10 transmits the payment request information including the store ID “SP11” based on the detected code information CD11 to the information processing device 100. The user terminal 10 transmits to the information processing apparatus 100 the payment request information including the store ID “SP11” included in the detected code information CD11.

  In FIG. 1, the user terminal 10 transmits to the information processing apparatus 100 context information CN1 including various information, together with payment request information requesting payment corresponding to the purchase of the user U1. The user terminal 10 transmits the context information CN1 including information indicating that the transmission source of the request settlement RS1 is the user terminal TM1-1 to the information processing device 100. The user terminal 10 transmits to the information processing apparatus 100 context information CN1 including information indicating that the user who made the purchase is the user U1. The user terminal 10 transmits to the information processing apparatus 100 context information CN1 including information indicating that the position of the user U1 who made the purchase is the position LC1-1. The user terminal 10 transmits to the information processing apparatus 100 context information CN1 including information indicating that the date and time when the purchase was performed is the date and time dt1-2. The user terminal 10 transmits to the information processing apparatus 100 context information CN1 including information indicating that the store where the purchase was made is the store SP11. The user terminal 10 transmits, to the information processing apparatus 100, context information CN1 including information indicating that the shop terminal that has processed the purchase of the user U1 is the shop terminal TM2-1.

  Thereby, the information processing device 100 acquires the settlement request information and the context information CN1 from the terminal device TM1-1. Then, the information processing device 100 specifies various information (Step S17). For example, the information processing apparatus 100 assigns information for identifying the requested payment corresponding to the acquired payment request information and the context information CN1 to the requested payment. For example, the information processing apparatus 100 assigns the request settlement ID “RS1” to the request settlement corresponding to the acquired settlement request information and the context information CN1. In addition, the information processing apparatus 100 stores the business information storage unit 122 and information included in the payment request information corresponding to the request payment identified by the request payment ID “RS1” (hereinafter, also referred to as “request payment RS1”). Is used to specify various information.

  The company information storage unit 122 in FIG. 1 includes items such as “company ID”, “company name”, and “store information”. The “store information” includes items such as “store ID”, “form”, “store position”, “store terminal”, and “terminal position”.

  In the example shown in FIG. 1, the business operator (business operator EP1) identified by the business operator ID “EP1” indicates that the business operator name is “convenience store MA”. Further, the convenience store MA indicates that it has a plurality of stores such as a store identified by the store ID “SP11” (store SP11) and a store identified by the store ID “SP12” (store SP12).

  The form of the store SP11 usually indicates that the store position does not fluctuate and is not a mobile store. The store position of the store SP11 indicates the position LC1. In the store SP11, a terminal device (store terminal TM2-1) identified by the terminal ID "TM2-1" or a terminal device (store terminal TM2-2) identified by the terminal ID "TM2-2" is used. Indicates that The terminal position of the shop terminal TM2-1 indicates the position LC1-1. The terminal position of the shop terminal TM2-2 indicates the position LC2-1.

  In the example of FIG. 1, the information processing apparatus 100 specifies a target business to be settled using the store ID “SP11” included in the settlement request information corresponding to the requested settlement RS1. The information processing apparatus 100 specifies the store ID corresponding to the store ID “SP11” among the information stored in the company information storage unit 122 in FIG. 1 and targets the business associated with the store ID to the target business. Identify the person. For example, as shown in the request list information RINF11, the information processing apparatus 100 specifies the convenience store MA that is the business entity EP1 identified by the business entity ID “EP1” associated with the store ID “SP11” as the target business entity. I do.

  Then, the information processing apparatus 100 makes a determination regarding the payment (step S18). The information processing device 100 determines whether to permit the payment corresponding to the request payment RS1. The information processing device 100 determines whether to permit the settlement corresponding to the request settlement RS1 based on the context information CN1.

  For example, the information processing apparatus 100 uses a model that outputs a score with context information as an input (hereinafter, also referred to as a “judgment model M1”) and determines whether or not to permit a settlement corresponding to the context information. For example, when the context information is input, the information processing apparatus 100 performs the settlement corresponding to the context information using the determination model M1 that outputs a score indicating the possibility that the settlement corresponding to the context information is appropriate. You may decide whether to allow. For example, when the context information is input, the information processing apparatus 100 performs the settlement corresponding to the context information using the determination model M1 that outputs a score indicating the possibility that the settlement corresponding to the context information is appropriate. You may decide whether to allow.

  For example, the information processing apparatus 100 may determine whether to permit the settlement using the score output by the determination model M1 and a determination threshold (hereinafter, also referred to as a “threshold for determination TH1”). For example, the information processing apparatus 100 may determine whether to permit the payment based on a comparison between the score output by the determination model M1 and the determination threshold TH1. For example, when the score output by the determination model M1 to which certain context information is input is equal to or larger than the determination threshold TH1, the information processing apparatus 100 may determine that the settlement corresponding to the context information is permitted. For example, if the score output by the determination model M1 to which certain context information is input is less than the determination threshold TH1, the information processing apparatus 100 may determine that the settlement corresponding to the context information is not permitted.

  For example, the information processing device 100 may generate the determination model M1. For example, the information processing apparatus 100 uses the learning data in which the context information when an appropriate payment is made as a positive example and the context information when an improper payment is made as a negative example, using a learning model M1. May be generated. For example, when context information of a positive example is input, the information processing apparatus 100 may generate the determination model M1 by performing a learning process so as to output a score “1”. Further, for example, when the negative example context information is input, the information processing apparatus 100 may generate the determination model M1 by performing a learning process so as to output a score “0”.

  Note that the above-described generation of the model is an example, and may be performed by appropriately using various conventional techniques regarding machine learning. For example, the generation of the model may be performed using a technology related to machine learning of supervised learning such as SVM (Support Vector Machine). Further, for example, the generation of the model may be performed using a technology related to machine learning of unsupervised learning. For example, the generation of the model may be performed using a technique of deep learning (deep learning). For example, the model may be generated by appropriately using various deep learning techniques such as DNN (Deep Neural Network), RNN (Recurrent Neural Network), and CNN (Convolutional Neural Network). Note that the description regarding the generation of the model is an example, and the generation of the model may be performed by a learning method appropriately selected according to information that can be obtained.

  Further, the information processing device 100 may acquire the determination model M1 from an external information processing device. The information processing device 100 may acquire the determination model M1 from an external model generation device that generates various models.

  Note that the above is an example, and the information processing apparatus 100 may determine whether to permit the settlement by appropriately using various information. The information processing apparatus 100 may determine whether to permit the payment based on various information included in the context information and various conditions (hereinafter, also referred to as “determination conditions”).

  For example, the information processing apparatus 100 is included in the determination condition (determination condition CND1) on the condition that the clerk is located within a predetermined range (for example, 10 m or the like) from the user who transmitted the settlement request, and the context information. Whether to allow the payment may be determined based on the information of the clerk around the user. For example, the information processing device 100 determines whether or not the determination condition CND1 is satisfied by comparing the position of the user with the position of the clerk in the store. For example, the information processing device 100 determines whether or not the determination condition CND1 is satisfied by comparing the position of the user terminal 10 with the position of the store terminal 20.

  For example, the information processing apparatus 100 determines on the condition that the terminal device 10 used by the user who transmitted the settlement request uses a wireless communication service such as a beacon or WiFi (registered trademark) provided in a store ( Whether to permit the settlement may be determined based on the determination condition CND2) and the communication information of the terminal device 10 used by the user included in the context information. For example, the information processing apparatus 100 determines whether or not the determination condition CND2 is satisfied by analyzing the communication information included in the context information.

  For example, the information processing apparatus 100 determines based on a determination condition (determination condition CND3) on the condition that the date and time when the payment request is made is within the business hours of the store, and information indicating the date and time when the payment request is made. Thus, it may be determined whether to allow the settlement. For example, the information processing apparatus 100 determines whether or not the determination condition CND3 is satisfied by comparing the date and time when the payment request is made and the information indicating the business hours of the store.

  For example, the information processing apparatus 100 corresponds to a determination condition (determination condition CND4) on condition that a user's purchase behavior corresponding to a payment request corresponds to a normal purchase behavior, and corresponds to the payment request. Whether to allow the payment may be determined based on the purchase behavior of the user. For example, the information processing apparatus 100 determines whether or not the determination condition CND4 is satisfied by comparing information regarding the purchase of the user corresponding to the settlement request with the past purchase history of the user. For example, the information processing apparatus 100 determines whether or not the purchase time of the user corresponding to the settlement request is within a predetermined range (for example, one hour) from the average of the past purchase times of the user. It is determined whether CND4 is satisfied. For example, the information processing apparatus 100 determines whether or not the store that purchased the user corresponding to the settlement request is a store that has purchased the user in the past, and satisfies the determination condition CND4. .

  For example, the information processing apparatus 100 permits the payment based on a determination condition (determination condition CND5) on the condition that the amount corresponding to the payment request corresponds to the price range of the store corresponding to the payment request. You may decide to do so. For example, the information processing device 100 determines whether or not the determination condition CND5 is satisfied by comparing information indicating an amount of money corresponding to the payment request with information indicating a price range of a store corresponding to the payment request. . For example, the information processing apparatus 100 sets the determination condition CND5 according to whether the amount corresponding to the settlement request is within the range of the price range of the store corresponding to the settlement request (for example, 100 to 3000 yen). It is determined whether or not the condition is satisfied. The determination conditions are not limited to the determination conditions CND1 to CND5, and may include various conditions according to the type of context information and the like.

  For example, the information processing apparatus 100 may determine whether to permit the settlement using the number of determination conditions satisfied by the context information and a predetermined threshold (hereinafter, also referred to as “condition threshold TH2”). For example, the information processing apparatus 100 may determine whether to permit the settlement based on a comparison between the number of determination conditions satisfied by the context information and the condition threshold TH2. For example, when the number of determination conditions satisfied by the context information is equal to or greater than the condition threshold TH2, the information processing apparatus 100 may determine that the settlement corresponding to the context information is permitted. For example, when the number of determination conditions satisfied by the context information is less than the condition threshold TH2, the information processing apparatus 100 may determine that the settlement corresponding to the context information is not permitted.

  As described above, the information processing apparatus 100 may determine that the settlement corresponding to the context information is not permitted by any information processing using the context information. In the example of FIG. 1, for example, the information processing apparatus 100 uses the determination model M1 and the determination threshold TH1 having a score of “0.5”. In this case, the information processing device 100 inputs the context information CN1 to the determination model M1. Specifically, the information processing apparatus 100 determines that the information indicating that the transmission source of the request settlement RS1 is the user terminal TM1-1, the information indicating that the user who made the purchase is the user U1, and the position of the user U1 are Information indicating that the location is LC1-1, information indicating that the date and time when the purchase was performed is date and time dt1-2, information indicating that the store is the store SP11, and a store terminal that has processed the purchase of the user U1 The context information CN1 including various information such as information indicating that the shop terminal TM2-1 has been performed is input to the determination model M1. The judgment model M1 to which the context information CN1 has been input outputs a score. In the example of FIG. 1, the determination model M1 to which the context information CN1 has been input outputs a score “0.7”.

  Then, the information processing apparatus 100 determines whether to permit the payment corresponding to the request payment RS1 based on the score “0.7” output by the determination model M1 and the determination threshold TH1 “0.5”. I do. The information processing apparatus 100 determines whether to permit the payment corresponding to the request payment RS1 based on a comparison between the score “0.7” output by the determination model M1 and the determination threshold TH1 “0.5”. I do. In the example of FIG. 1, when the number of determination conditions satisfied by the context information is equal to or greater than the condition threshold TH2, the information processing apparatus 100 changes the score “0.7” output by the determination model M1 to the determination threshold TH1 “0”. .5 "or more, it is determined that the settlement corresponding to the request settlement RS1 is permitted as shown in the decision result information storage unit 124.

  “Request settlement ID” shown in the determination result information storage unit 124 in FIG. 1 indicates identification information for identifying the requested settlement. The “determination result” indicates whether or not the requested settlement is performed. In the example shown in FIG. 1, the request settlement (request settlement RS1) identified by the request settlement ID “RS1” indicates that the settlement has been permitted.

  Then, the information processing device 100 performs a payment process corresponding to the request payment RS1 (Step S19). For example, the information processing apparatus 100 causes the service providing apparatus 50 to perform a payment process corresponding to the requested payment RS1 by transmitting information related to the payment corresponding to the requested payment RS1 to the service providing apparatus 50 that provides the payment service. For example, the information processing apparatus 100 transmits to the service providing apparatus 50 information relating to payment including payee information indicating a payee corresponding to the request payment RS1, amount information indicating an amount, and the like. Then, the service providing apparatus 50 performs settlement corresponding to the request settlement RS1 by appropriately using various conventional techniques.

  As described above, the information processing apparatus 100 determines whether to permit the payment corresponding to the request payment RS1 using the context information CN1 corresponding to the request payment RS1. Thereby, the information processing apparatus 100 can appropriately provide a service related to settlement.

  In the settlement using a code such as the QR code (registered trademark) as described above, there are conventionally problems such as security. For example, as shown in FIG. 1, when a code such as a QR code (registered trademark) is presented in such a manner as to overhang a printed matter in a store, another code (hereinafter referred to as “illegal”) A code is also attached, and the code is replaced with a fraudulent code, so that the payee or the like can perform fraudulent settlement. As described above, in a case where the payment process is performed only with static information such as a QR code (registered trademark) that is static information presented in a printed matter or the like, it is difficult to suppress an illegal payment.

  On the other hand, the information processing apparatus 100 determines whether to perform settlement using not only static information such as a QR code (registered trademark) but also dynamic information such as dynamically changing context information. As a result, the information processing apparatus 100 can improve security and can appropriately provide a service related to payment, as compared with a case where only static information is used as in the related art. That is, the information processing apparatus 100 can suppress that an unauthorized payment is performed by an unauthorized action of a third party other than the store and the user.

  Also, as shown in FIG. 1, when the user inputs the amount, the clerk checks the amount input by the user, but the amount incorrectly input by the user (for example, due to insufficient confirmation of the clerk, etc.) There is a problem that there is a possibility that settlement with an insufficient amount is performed. On the other hand, the information processing apparatus 100 determines whether to perform payment using dynamic information such as context information detected by a sensor or the like, instead of information input by the user. Thus, the information processing apparatus 100 can improve security and appropriately provide a service related to payment. That is, the information processing apparatus 100 can suppress that an unauthorized payment is performed due to an unauthorized action of the user himself.

  Further, as shown in FIG. 1, in a payment mode in which a code such as a QR code (registered trademark) overhanging a store is read by the user terminal 10, the payment is performed without introducing a new payment device into the store. Becomes feasible. Therefore, in the settlement mode as shown in FIG. 1, it is possible to improve security while solving the problem of the introduction cost to the store side. Therefore, the information processing apparatus 100 can appropriately provide a service related to payment while promoting introduction of payment using a code such as a QR code (registered trademark).

[1-1. Service delivery〕
Further, the information processing apparatus 100 may provide a service based on the determination result. For example, the information processing apparatus 100 may provide an information providing service related to the determination result. The information processing device 100 may notify the user terminal 10 or the store terminal 20 of the determination result. In the example of FIG. 1, the information processing apparatus 100 transmits, to the user terminal TM1-1 of the user U1 and the store terminal TM2-1 of the store SP11, determination result information indicating that the settlement regarding the purchase of the user U1 is permitted. You may.

[1-1-1. Confirmation service)
Further, when a predetermined condition is satisfied, the information processing apparatus 100 may notify the payment target business operator corresponding to the payment request whether the payment corresponding to the payment request is permitted. For example, the information processing apparatus 100 determines that the score output by the determination model M1 to which the context information has been input is equal to or greater than a predetermined threshold (hereinafter, also referred to as a “second threshold TH21”) equal to or less than the threshold TH1 for determination. If the difference is less than TH1, the settlement target company corresponding to the context information may be notified whether or not to permit the settlement.

  In the example of FIG. 1, the information processing apparatus 100 determines that the score output by the determination model M1 to which the context information CN1 has been input is equal to or greater than the second threshold TH21 “0.25” and the determination threshold TH1 “0.5” If it is less than "", the operator EP1 may be notified of whether or not to permit the settlement corresponding to the request settlement RS1. In this case, if the score output by the determination model M1 to which the context information CN1 has been input is less than the second threshold TH21 “0.25”, the information processing apparatus 100 It may be determined that the settlement to be performed is not permitted.

  For example, when the score output by the determination model M1 to which the context information CN1 is input is “0.4”, the information processing apparatus 100 is equal to or more than the second threshold value TH21 “0.25” and the determination threshold value TH1 Since it is less than “0.5”, a notification is sent to the business operator EP1 to confirm whether to permit the payment corresponding to the request payment RS1. For example, when the score output by the determination model M1 to which the context information CN1 is input is “0.4”, the information processing apparatus 100 checks whether to permit the business operator EP1 to perform the payment corresponding to the request payment RS1. Send the information you want. In this case, for example, the information processing apparatus 100 transmits, to the store terminal TM2-1 of the store SP11 of the business operator EP1, information for confirming whether to permit the payment corresponding to the request payment RS1.

  Then, when the information processing apparatus 100 acquires the information designating permission of the settlement corresponding to the request settlement RS1 from the business entity EP1, the information processing apparatus 100 determines that the settlement corresponding to the request settlement RS1 is permitted. On the other hand, if the information processing apparatus 100 acquires from the business operator EP1 the information designating that the payment corresponding to the request payment RS1 is not permitted, the information processing apparatus 100 determines that the payment corresponding to the request payment RS1 is not permitted.

[1-2. Store form)
Further, the information processing device 100 may provide various services according to the form of the store. For example, the information processing device 100 may provide various services depending on whether the store is a normal store or a mobile store.

[1-2-1. Location update service)
For example, when the store is a mobile type, the information processing apparatus 100 may provide a service for updating the store position stored in the company information storage unit 122 according to the change in the store position. That is, when the position of the store changes, the information processing apparatus 100 may update the store position associated with the store ID of the store at a predetermined timing. For example, when the store is a moving store, the information processing apparatus 100 may update the store position at a predetermined timing. For example, the information processing apparatus 100 may update the store location information at predetermined intervals, for example, every hour or every other day.

  Further, the information processing apparatus 100 may acquire position change information indicating a change in the position of the store. For example, the information processing apparatus 100 may acquire position change information indicating a change in the position of the store from the store terminal 20 used in the store. Then, when acquiring the position change information, the information processing apparatus 100 may update the store position of the store associated with the store ID of the store. When acquiring the position change information, the information processing apparatus 100 may change the store position of the store associated with the store ID of the store to the position indicated by the position change information. For example, the information processing apparatus 100 may update the store position associated with the store ID of the store that transmitted the position change information at the timing when the position change information was acquired. The above is an example, and the information processing apparatus 100 may provide various services.

[1-3. Settlement mode)
In the example of FIG. 1, for the sake of simplicity, the case of a payment process in which the user terminal 10 reads a QR code (registered trademark) is shown. The information processing apparatus 100 may be applied in various payment modes such as a payment process for reading the information.

  For example, the user terminal 10 used by a certain user may generate a QR code (registered trademark) corresponding to the product purchased by the user and display the QR code on the screen. Then, the store terminal 20 may read the QR code (registered trademark) displayed on the user terminal 10. Then, the shop terminal 20 may transmit the settlement request information and the context information corresponding to the QR code (registered trademark) to the information processing apparatus 100. Then, the information processing apparatus 100 that has acquired the settlement request information and the context information from the store terminal 20 uses the acquired settlement request information and the context information as in FIG. 1 to determine whether to permit the settlement corresponding to the settlement request information. You may decide.

  Note that FIG. 1 and the above-described mode of the payment processing are merely examples, and any type of payment processing to which the information processing apparatus 100 is applied is applicable as long as the information processing apparatus 100 can perform information processing. Good.

[1-4. System configuration〕
The information processing system 1 is not limited to the system configuration shown in FIG. 2 and may have various configurations. For example, the user terminal 10 may perform an output timing determination process. For example, the user terminal 10 may have the function of the information processing device 100. That is, the information processing device 100 and the user terminal 10 may be integrated. In this case, the user terminal 10 transmits information regarding the payment to the service providing apparatus 50. For example, when the user terminal 10 determines that the payment is permitted, the user terminal 10 transmits information regarding the payment to the service providing apparatus 50. For example, the user terminal 10 may realize the above processing by the installed application A. For example, the application A installed on the user terminal 10 determines whether to permit the payment. Then, when it is determined that the payment is permitted, the application A installed on the user terminal 10 transmits information on the payment to the service providing apparatus 50.

[2. Configuration of information processing device]
Next, the configuration of the information processing apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating a configuration example of the information processing apparatus 100 according to the embodiment. As shown in FIG. 3, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130. The information processing apparatus 100 includes an input unit (for example, a keyboard and a mouse) for receiving various operations from an administrator or the like of the information processing apparatus 100, and a display unit (for example, a liquid crystal display) for displaying various information. May have.

(Communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network by wire or wirelessly, and transmits and receives information to and from the user terminal 10, the shop terminal 20, and the service providing apparatus 50.

(Storage unit 120)
The storage unit 120 is realized by a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3, the storage unit 120 according to the embodiment includes a user information storage unit 121, a business information storage unit 122, a payment information storage unit 123, a determination result information storage unit 124, an action information storage unit A part 125. The storage unit 120 is not limited to the above, and may store various information.

(User information storage unit 121)
The user information storage unit 121 according to the embodiment stores various information about a user. For example, the user information storage unit 121 stores various information related to the user attribute. FIG. 4 is a diagram illustrating an example of a user information storage unit according to the embodiment. The user information storage unit 121 illustrated in FIG. 4 includes items such as “user ID”, “age”, “sex”, “use terminal”, “interest”, and “context information”. The “context information” includes an item such as “position”.

  “User ID” indicates identification information for identifying a user. “Age” indicates the age of the user identified by the user ID. The “age” may be a specific age of the user identified by the user ID, for example, 35 years old. “Gender” indicates the gender of the user identified by the user ID.

  “Usage terminal” indicates a terminal used by the user. Although the example shown in FIG. 4 illustrates a case where one user terminal 10 is associated with each user, a plurality of user terminals 10 may be associated with a user. For example, when the user U3 uses the user terminal TM1-30 separately from the user terminal TM1-3, "TM1-3" and "TM1-30" are stored as the "use terminals" corresponding to the user U3. May be done.

  "Interest" indicates the interest of the user identified by the user ID. That is, “interest” indicates an object of high interest for the user identified by the user ID. In the example illustrated in FIG. 4, “interest” is illustrated one by one for each user, but may be plural.

  “Position” in “context information” indicates position information obtained for the corresponding user. For example, “position” indicates the position information obtained last for the corresponding user. The “position” indicates an abstract code such as “LC1-2”, but may be information indicating a latitude or a longitude or information indicating an address such as “Y-city Z-town X”. . The “position” may be position history information. For example, the date and time when the position was acquired may be associated with the position in “position”.

  In the example of FIG. 4, the age of the user (user U1) identified by the user ID “U1” is “20s”, and the gender is “male”. The terminal used by the user U1 is the user terminal TM1-1. The user U1 indicates that he is interested in the economy. For example, for the user U1, the position information indicating that the user U1 is located at the position LC1-1 is the acquired position information (for example, the latest position information).

  The user information storage unit 121 is not limited to the above, and may store various types of information according to purposes. For example, the user information storage unit 121 may store various information such as demographic attribute information and psychographic attribute information. For example, the user information storage unit 121 may store information such as a name, a family structure, and income.

(Business information storage unit 122)
The company information storage unit 122 according to the embodiment stores various information about the company. The company information storage unit 122 stores various types of information related to the store of the company. FIG. 5 is a diagram illustrating an example of a company information storage unit according to the embodiment. For example, the company information storage unit 122 stores information about various businesses, such as information about stores. The business information storage unit 122 illustrated in FIG. 5 includes items such as “business ID”, “business name”, and “store information”. The “store information” includes items such as “store ID”, “form”, “store position”, “store terminal”, and “terminal position”.

  “Business ID” indicates identification information for identifying the business. “Business name” indicates a business identified by the corresponding business ID. For example, “operator” indicates the name of the operator identified by the corresponding operator ID. Further, information indicating a category such as the type of business of the business may be stored in association with the business.

  “Store ID” indicates identification information for identifying a store. Note that information indicating a store name or the like may be stored in association with each store. For example, information indicating a specific name of the store such as “X-machi store at convenience store MA” or “A-area store at convenience store MA” may be stored in association with the store SP11. “Form” indicates the form of the store. For example, in the “form”, information for identifying whether the store is a mobile store or a normal store is stored.

  “Store location” indicates the location where the store is located. Although the “store position” shows an abstract code such as “LC1”, it may be information indicating latitude and longitude or information indicating an address such as “Y city Z town X prefecture”. “Store terminal” indicates a store terminal used in the store. For example, information (terminal ID or the like) for identifying a store terminal is stored in the “store terminal”. “Terminal position” indicates a place where the store terminal is located. Note that the “terminal position” indicates an abstract code such as “LC1-1”, but information indicating latitude and longitude or specific information in the store such as “near the first floor entrance cash register in the store SP11” and the like. It may be information indicating a typical position.

  In the example illustrated in FIG. 5, the business operator (business operator EP1) identified by the business operator ID “EP1” indicates that the business operator name is “convenience store MA”. Further, the convenience store MA indicates that it has a plurality of stores such as a store identified by the store ID “SP11” (store SP11) and a store identified by the store ID “SP12” (store SP12).

  The form of the store SP11 usually indicates that the store position does not fluctuate and is not a mobile store. The store position of the store SP11 indicates the position LC1. In the store SP11, a terminal device (store terminal TM2-1) identified by the terminal ID "TM2-1" or a terminal device (store terminal TM2-2) identified by the terminal ID "TM2-2" is used. Indicates that The terminal position of the shop terminal TM2-1 indicates the position LC1-1. The terminal position of the shop terminal TM2-2 indicates the position LC2-1.

  Further, the business entity (business company EP3) identified by the business company ID “EP3” indicates that the business name is “mobile stall MC”. The moving stall MC indicates that it has a store (store SP31) identified by the store ID “SP31”. The form of the store SP31 indicates that the store is a mobile store. The store position of the store SP31 indicates the position LC31. That is, the latest store position of the store SP31, which is a mobile store, indicates the position LC31. The store SP31 indicates that a terminal device (store terminal TM2-31) identified by the terminal ID “TM2-31” is used. The terminal position of the shop terminal TM2-31 indicates that it is the position LC3-1.

  The company information storage unit 122 is not limited to the above, and may store various types of information according to purposes. For example, the company information storage unit 122 may store information on business hours of each store.

(Payment information storage unit 123)
The settlement information storage unit 123 according to the embodiment stores various information related to settlement. FIG. 6 is a diagram illustrating an example of a payment information storage unit according to the embodiment. The settlement information storage unit 123 illustrated in FIG. 6 includes items such as “request settlement ID”, “target business entity”, and “context information”.

  “Request settlement ID” indicates identification information for identifying the requested settlement. The “target company” indicates a company to which the requested settlement is paid. "Context information" indicates context information regarding purchase corresponding to the requested settlement. FIG. 6 illustrates an example in which conceptual information such as “CN1” is stored in “context information”. However, various context information is actually stored.

  For example, the "context information" stores information indicating the source of the request and information indicating the user who made the purchase. For example, information indicating the position of the user is stored in the “context information”. For example, information indicating the date and time when the purchase was performed is stored in the “context information”. For example, the "context information" stores information indicating the store where the purchase was made. For example, in the “context information”, information indicating a store terminal that has processed the purchase of the user is stored. Further, for example, information indicating the purchase price of the user is stored in the “context information”. As described above, the context information stored in the “context information” may include various types of context information.

  In the example illustrated in FIG. 6, the request settlement (request settlement RS1) identified by the request settlement ID “RS1” is a company (company EP1) whose target company is identified by the company ID “EP1”. It is shown that. That is, the request settlement RS1 indicates that the payee related to the settlement is the business entity EP1 (convenience store MA). The context information corresponding to the request settlement RS1 indicates that the context information is CN1.

  In the example illustrated in FIG. 6, the context information CN1 includes information indicating that the transmission source of the request settlement RS1 is the user terminal TM1-1. The context information CN1 includes information indicating that the user who made the purchase is the user U1. The context information CN1 includes information indicating that the position of the user U1 who made the purchase is the position LC1-1. The context information CN1 includes information indicating that the purchase date and time is the date and time dt1-2. The context information CN1 includes information indicating that the store where the purchase was made is the store SP11. The context information CN1 includes information indicating that the store terminal that processed the purchase of the user U1 is the store terminal TM2-1.

  The settlement information storage unit 123 is not limited to the above, and may store various types of information according to purposes. The payment information storage unit 123 may store information indicating the purchase price corresponding to the payment request.

(Decision result information storage unit 124)
The determination result information storage unit 124 according to the embodiment stores information on the determination result. For example, the determination result information storage unit 124 stores information indicating whether or not payment is possible. FIG. 7 is a diagram illustrating an example of a determination result information storage unit according to the embodiment. The decision result information storage unit 124 illustrated in FIG. 7 has items such as “request settlement ID” and “decision result”.

  “Request settlement ID” indicates identification information for identifying the requested settlement. The “determination result” indicates whether or not the requested settlement is performed.

  In the example shown in FIG. 7, the request settlement (request settlement RS1) identified by the request settlement ID “RS1” indicates that the settlement has been permitted. Request settlement (request settlement RS21) identified by the request settlement ID “RS21” indicates that the settlement has not been permitted.

  The request settlement (request settlement RS22) identified by the request settlement ID “RS22” indicates that a predetermined notification has been made in order to confirm whether the settlement is permitted. For example, the request settlement RS22 indicates that a notification for confirming whether or not the settlement corresponding to the request settlement RS22 may be made to the business operator EP3. For example, the request settlement RS22 indicates that information for confirming whether the settlement corresponding to the request settlement RS22 may be performed is transmitted to the store terminal TM2-31 of the store SP31 of the business operator EP3.

  The determination result information storage unit 124 is not limited to the above, and may store various types of information according to purposes.

(Behavior information storage unit 125)
The behavior information storage unit 125 according to the embodiment stores various information related to the behavior of the user. FIG. 8 is a diagram illustrating an example of the behavior information storage unit according to the embodiment. The action information storage unit 125 illustrated in FIG. 8 includes items such as “user ID”, “action ID”, “type”, “contents”, “date and time”, and “position”.

  “User ID” indicates identification information for identifying a user. For example, the user identified by the user ID “U1” corresponds to the user U1 shown in the example of FIG. “Action ID” indicates information for identifying the action of the user. “Type” indicates information on the type of action of the corresponding user. “Content” indicates the content targeted in the action of the corresponding user. “Date and time” indicates the date and time when the corresponding user action was performed. Although the "date and time" is illustrated in an abstract manner such as "dt1-1", a specific date and time such as "September 18, 2018 at 12:31:52" may be stored. Note that the “date and time” is not limited to a point in time, and may be a predetermined period such as “12:31 on September 18, 2018” or “12: 31-35 on September 18, 2018”. “Position” indicates a position where the corresponding action is performed. The “position” indicates an abstract code such as “LC1-1”, but may be information indicating latitude and longitude or information indicating a specific position such as “in the store SP11”. .

  In the example of FIG. 8, the user (user U1) identified by the user ID “U1” is the action identified by the action ID “AC11” (action AC11) and the action identified by the action ID “AC12” (action AC12). ) And so on. Specifically, in the example of FIG. 8, the user U1 has performed an action of the type “read” (action AC11) at the date and time dt1-1 at the position LC1-1. For example, the action information storage unit 125 stores, as information indicating the action AC11, information indicating that the user U1 has read the QR code of the store SP11 using the terminal device TM1-1.

  In the example of FIG. 8, the user U1 has performed an action of the type “transmission” (action AC12) at the position LC1-1 on the date and time dt1-2 after the date and time dt1-1. For example, in the action information storage unit 125, information indicating that the user U1 has transmitted a settlement request is stored as information indicating the action AC12. Specifically, the action information storage unit 125 stores, as information indicating the action AC12, information indicating that payment request information and context information corresponding to the purchase of the user U1 at the store SP11 have been transmitted to the information processing apparatus 100. It is memorized.

  The behavior information storage unit 125 is not limited to the above, and may store various types of information according to purposes. For example, the behavior information storage unit 125 may store the position information of the user at the time of acquiring each behavior information in association with each behavior information. FIG. 8 illustrates a case where the behavior information is stored in the behavior information storage unit 125 for each user ID, but the behavior information is not limited to each user ID, and may be stored, for example, in order of time.

(Control unit 130)
Returning to the description of FIG. 3, the control unit 130 is a controller, and is stored in a storage device inside the information processing apparatus 100 by, for example, a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). Are realized by executing various programs (corresponding to an example of an information processing program) using a RAM as a work area. The control unit 130 is a controller, and is realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

  As illustrated in FIG. 3, the control unit 130 includes an acquisition unit 131, a determination unit 132, and a provision unit 133, and implements or executes information processing functions and operations described below. Note that the internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 3, and may be another configuration as long as it performs information processing to be described later. Further, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship shown in FIG. 3 and may be another connection relationship.

(Acquisition unit 131)
The acquisition unit 131 acquires various information. The acquisition unit 131 acquires various information from an external device such as the user terminal 10 or an information providing device. The acquiring unit 131 acquires various information from the storage unit 120. In addition, the acquisition unit 131 acquires various information from the user information storage unit 121, the business information storage unit 122, the settlement information storage unit 123, the determination result information storage unit 124, the action information storage unit 125, and the like. . For example, the acquisition unit 131 may acquire various types of information from the store terminal 20.

  The acquisition unit 131 acquires settlement request information for requesting settlement of a user's purchase at a store, and context information regarding purchase. The acquisition unit 131 acquires payment request information based on a predetermined code detected by the terminal device. The acquisition unit 131 acquires payment request information based on a predetermined code provided in a store. The acquisition unit 131 acquires payment request information based on a predetermined code detected by a terminal device (user terminal 10) used by the user.

  The acquisition unit 131 acquires payment request information based on the two-dimensional code detected by the terminal device. The acquisition unit 131 acquires payment request information based on the QR code (registered trademark) detected by the terminal device. The obtaining unit 131 obtains context information including position information of the user. The acquisition unit 131 acquires context information including position information on a store.

  The acquisition unit 131 acquires context information including position information on the store terminal 20 used by the store clerk. The acquisition unit 131 acquires context information including business hours information regarding the business hours of the store. The acquisition unit 131 acquires context information including communication information related to wireless communication provided in a store. The acquisition unit 131 acquires context information including purchase history information of a user. The acquisition unit 131 acquires payment request information including store identification information for identifying a store. The acquisition unit 131 acquires position change information indicating a change in the position of the store.

  In the example of FIG. 1, the acquiring unit 131 acquires the settlement request information and the context information CN1 from the terminal device TM1-1. The information processing device 100 acquires context information CN1 including information indicating that the transmission source of the request settlement RS1 is the user terminal TM1-1. The information processing apparatus 100 acquires context information CN1 including information indicating that the user who made the purchase is the user U1. The information processing apparatus 100 acquires context information CN1 including information indicating that the position of the user U1 is the position LC1-1. The information processing apparatus 100 acquires the context information CN1 including information indicating that the date and time when the purchase was performed is the date and time dt1-2. The information processing device 100 acquires context information CN1 including information indicating that the store is the store SP11. The information processing device 100 acquires context information CN1 including information indicating that the store terminal that has processed the purchase of the user U1 is the store terminal TM2-1.

(Determining unit 132)
The determining unit 132 determines various information. The determining unit 132 determines various information. The determining unit 132 generates various information. The determining unit 132 updates various information. The determining unit 132 determines various information based on the various information stored in the storage unit 120. The determining unit 132 determines various information based on the various information stored in the storage unit 120. The determination unit 132 generates various information based on the various information stored in the storage unit 120. The determining unit 132 updates various information.

  The determining unit 132 determines various information based on the user information storage unit 121, the business information storage unit 122, the settlement information storage unit 123, the determination result information storage unit 124, the action information storage unit 125, and the like. I do. The determination unit 132 determines various types of information based on the user information storage unit 121, the business information storage unit 122, the settlement information storage unit 123, the determination result information storage unit 124, the action information storage unit 125, and the like. I do. The determination unit 132 generates various types of information based on the user information storage unit 121, the business information storage unit 122, the settlement information storage unit 123, the determination result information storage unit 124, the action information storage unit 125, and the like. I do. The determining unit 132 updates various information based on the user information storage unit 121, the business information storage unit 122, the settlement information storage unit 123, the determination result information storage unit 124, the action information storage unit 125, and the like. I do.

  The determining unit 132 determines various information based on the various information acquired by the acquiring unit 131. The determining unit 132 determines various types of information based on the various types of information acquired by the acquiring unit 131. The determining unit 132 generates various types of information based on the various types of information acquired by the acquiring unit 131. The determining unit 132 updates various information based on the various information acquired by the acquiring unit 131.

  The deciding unit 132 decides whether to permit the settlement based on the settlement request information and the context information acquired by the acquiring unit 131. The deciding unit 132 decides whether or not to permit payment with the business entity corresponding to the store identified based on the store identification information as the payee.

  When the position of the store changes, the determining unit 132 updates the store position information of the store associated with the store identification information of the store at a predetermined timing. When the store is a moving store, the determining unit 132 updates the store position information at a predetermined timing. The determination unit 132 updates the store location information at predetermined intervals. The deciding unit 132 updates the store position information at the timing when the position change information is acquired by the acquiring unit 131.

  The determining unit 132 specifies various information. In the example of FIG. 1, the determination unit 132 assigns information for identifying the requested payment corresponding to the acquired payment request information and the context information CN1 to the requested payment. For example, the determination unit 132 assigns the request settlement ID “RS1” to the request settlement corresponding to the acquired settlement request information and the context information CN1. Further, the determination unit 132 specifies various types of information using the company information storage unit 122 and information included in the payment request information corresponding to the request payment RS1.

  The determination unit 132 specifies the target business to be settled using the store ID “SP11” included in the settlement request information corresponding to the request settlement RS1. The determination unit 132 specifies the store ID corresponding to the store ID “SP11” among the information stored in the company information storage unit 122 in FIG. 1 and specifies the store associated with the store ID as the target business. To be specified. For example, as illustrated in the request list information RINF11, the determination unit 132 specifies, as the target business operator, the convenience store MA that is the business operator EP1 identified by the business operator ID “EP1” associated with the store ID “SP11”. .

  The deciding unit 132 makes a determination regarding the settlement. The deciding unit 132 decides whether to permit the settlement corresponding to the request settlement RS1. The deciding unit 132 decides whether to permit the settlement corresponding to the request settlement RS1 based on the context information CN1.

  The determination unit 132 uses the determination model M1 that outputs a score with the context information as input, and determines whether to permit the settlement corresponding to the context information. For example, when the context information is input, the determination unit 132 permits the payment corresponding to the context information using the determination model M1 that outputs a score indicating the possibility that the payment corresponding to the context information is appropriate. You may decide to do so. For example, when the context information is input, the determination unit 132 permits the payment corresponding to the context information using the determination model M1 that outputs a score indicating the possibility that the payment corresponding to the context information is appropriate. You may decide to do so.

  The deciding unit 132 inputs the context information CN1 to the determination model M1. Specifically, the determination unit 132 determines that the information indicating that the transmission source of the request settlement RS1 is the user terminal TM1-1, the information indicating that the user who made the purchase is the user U1, and the position of the user U1 Information indicating that the store is LC1-1, information indicating that the date and time when the purchase was performed is date and time dt1-2, information indicating that the store is the store SP11, and the store terminal that has processed the purchase of the user U1 are displayed. The context information CN1 including various information such as information indicating that the store terminal TM2-1 has been entered is input to the determination model M1.

  The deciding unit 132 decides whether to permit the settlement corresponding to the required settlement RS1 based on the score “0.7” output by the judgment model M1 and the judgment threshold TH1 “0.5”. The determination unit 132 determines whether to permit the payment corresponding to the request payment RS1 based on a comparison between the score “0.7” output by the determination model M1 and the determination threshold TH1 “0.5”. . When the number of determination conditions satisfied by the context information is equal to or greater than the condition threshold TH2, the determination unit 132 determines that the score “0.7” output by the determination model M1 is equal to or greater than the determination threshold TH1 “0.5”. Therefore, as shown in the determination result information storage unit 124, it is determined that the payment corresponding to the request payment RS1 is permitted.

(Provider 133)
The providing unit 133 provides various information. The providing unit 133 provides various information to an external information processing device. The providing unit 133 provides various information to an external information processing device such as the user terminal 10. The providing unit 133 transmits various information to the user terminal 10. The providing unit 133 distributes various types of information to the user terminal 10. The providing unit 133 provides various information based on the various information acquired by the acquiring unit 131. The providing unit 133 provides various types of information based on the various types of information determined by the determining unit 132.

  The providing unit 133 may provide a service based on the determination result. The providing unit 133 may provide an information providing service regarding the determination result. The providing unit 133 may notify various information based on the determination result. The providing unit 133 may notify the user terminal 10 or the store terminal 20 of the determination result. In the example of FIG. 1, the providing unit 133 transmits the determination result information indicating that the payment regarding the purchase of the user U1 is permitted to the user terminal TM1-1 of the user U1 and the store terminal TM2-1 of the store SP11. Is also good.

[3. Information processing flow)
Next, a procedure of information processing by the information processing system 1 according to the embodiment will be described with reference to FIG. FIG. 9 is a flowchart illustrating an example of information processing according to the embodiment. Specifically, FIG. 9 is a flowchart illustrating an example of the determination process. FIG. 9 is a flowchart illustrating an example of a determination process including a process related to advertisement output.

  As illustrated in FIG. 9, the information processing apparatus 100 acquires payment request information for requesting payment regarding a user's purchase at a store (step S101). Further, the information processing apparatus 100 acquires context information regarding purchase (step S102). Then, the information processing apparatus 100 determines whether to permit the payment based on the payment request information and the context information (Step S103).

[4. effect〕
As described above, the information processing device 100 according to the embodiment includes the acquisition unit 131 and the determination unit 132. The acquisition unit 131 acquires settlement request information for requesting settlement of a user's purchase at a store, and context information regarding purchase. The deciding unit 132 decides whether to permit the settlement based on the settlement request information and the context information acquired by the acquiring unit 131.

  As described above, the information processing apparatus 100 according to the embodiment determines whether to permit the payment based on the payment request information requesting the payment regarding the purchase of the user in the store and the context information regarding the purchase, It is possible to appropriately provide a service relating to settlement.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information based on a predetermined code detected by the terminal device.

  As described above, the information processing apparatus 100 according to the embodiment uses the payment request information based on the predetermined code detected by the terminal device to determine whether to permit the payment, thereby determining the information detected by the terminal device. In order to determine whether settlement is possible or not, it is possible to appropriately provide a settlement-related service.

  Further, in the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information based on a predetermined code provided in the store.

  As described above, the information processing apparatus 100 according to the embodiment uses the payment request information based on the predetermined code provided in the store to determine whether to permit the payment, thereby allowing the predetermined information provided in the store to be determined. Since the settlement is determined using the code, it is possible to appropriately provide a service related to the settlement.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information based on a predetermined code detected by a terminal device (the user terminal 10 in the embodiment) used by the user.

  As described above, the information processing apparatus 100 according to the embodiment uses the payment request information based on the predetermined code detected by the terminal device used by the user to determine whether to permit the payment, Since it is determined whether or not to make a payment using the information detected by the terminal device used, it is possible to appropriately provide a service relating to the payment.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information based on the two-dimensional code detected by the terminal device.

  As described above, the information processing apparatus 100 according to the embodiment determines whether or not to permit the payment using the payment request information based on the two-dimensional code detected by the terminal device, and thereby determines whether the terminal device has detected the two-dimensional code. Since the settlement is determined by using the information of the dimension code, it is possible to appropriately provide a settlement-related service.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information based on a QR code (registered trademark) detected by the terminal device.

  As described above, the information processing apparatus 100 according to the embodiment determines whether or not to permit the payment by using the payment request information based on the QR code (registered trademark) detected by the terminal device. Since it is determined whether settlement is possible using the detected QR code (registered trademark) information, it is possible to appropriately provide a settlement-related service.

  Further, in the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including position information of the user.

  As described above, the information processing apparatus 100 according to the embodiment can appropriately provide a service related to payment by determining whether to permit payment using context information including position information of a user. it can.

  Further, in the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including position information on a store.

  As described above, the information processing apparatus 100 according to the embodiment can appropriately provide a service related to payment by determining whether to permit payment using context information including location information regarding a store. it can.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including position information on the shop terminal 20 used by the shop clerk.

  As described above, the information processing apparatus 100 according to the embodiment determines whether or not to permit the payment using the context information including the position information on the store terminal 20 used by the store clerk, thereby providing the service related to the payment. It can be made available appropriately.

  Further, in the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including business hours information on business hours of the store.

  As described above, the information processing apparatus 100 according to the embodiment can appropriately provide a service related to payment by determining whether to permit payment using context information including business hours information regarding business hours of a store. Can be

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including communication information regarding wireless communication provided in a store.

  As described above, the information processing apparatus 100 according to the embodiment appropriately determines whether or not to permit the payment using the context information including the communication information regarding the wireless communication provided in the store, so that the service regarding the payment can be appropriately performed. Can be made available.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires context information including purchase history information of the user.

  As described above, the information processing apparatus 100 according to the embodiment can appropriately provide a service related to payment by determining whether to permit payment using context information including purchase history information of a user. Can be.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires payment request information including shop identification information for identifying a shop. The deciding unit 132 decides whether or not to permit payment with the business entity corresponding to the store identified based on the store identification information as the payee.

  As described above, the information processing apparatus 100 according to the embodiment uses the payment request information including the store identification information for identifying the store and sets the payment corresponding to the business entity corresponding to the store identified based on the store identification information as the payee. By determining whether or not to permit the payment, payment to an appropriate payee can be performed, so that a service relating to payment can be appropriately provided.

  In the information processing apparatus 100 according to the embodiment, when the position of the store changes, the determination unit 132 updates the store position information of the store associated with the store identification information of the store at a predetermined timing.

  As described above, when the position of the store fluctuates, the information processing apparatus 100 according to the embodiment updates the store position information of the store associated with the store identification information of the store at a predetermined timing, thereby obtaining the position of the store. Can be appropriately provided even if the value fluctuates.

  In the information processing apparatus 100 according to the embodiment, when the store is a moving store, the determining unit 132 updates the store position information at a predetermined timing.

  As described above, when the position of the store changes, the information processing apparatus 100 according to the embodiment updates the store position information of the store associated with the store identification information of the store at a predetermined timing, thereby moving the store. Even in the case of a store, services related to settlement can be appropriately provided.

  In the information processing device 100 according to the embodiment, the determining unit 132 updates the store location information at predetermined intervals.

  As described above, the information processing apparatus 100 according to the embodiment updates the store location information at predetermined intervals when the location of the store fluctuates, so that the service related to settlement Can be provided appropriately.

  In the information processing apparatus 100 according to the embodiment, the acquisition unit 131 acquires position change information indicating a change in the position of the store. The deciding unit 132 updates the store position information at the timing when the position change information is acquired by the acquiring unit 131.

  As described above, the information processing apparatus 100 according to the embodiment updates the store position information at the timing when the position change information indicating the change in the store position is acquired, so that the information processing apparatus 100 may change the position of the store. Accordingly, it is possible to appropriately provide a service relating to settlement.

[5. Hardware configuration)
The information processing apparatus 100 according to the embodiment described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 10 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing device. The computer 1000 has a CPU 1100, a RAM 1200, a ROM 1300, a hard disk drive (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 unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 starts up, a program that depends on hardware of the computer 1000, and the like.

  The HDD 1400 stores a program executed by the CPU 1100, data used by the program, and the like. The communication interface 1500 receives data from another device via the network N, sends the data to the CPU 1100, and transmits the data generated by the CPU 1100 to the other device via the network N.

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

  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), a 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 information processing apparatus 100 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800. However, as another example, these programs may be obtained from another device via the network N.

  As described above, some of the embodiments and modifications of the present application have been described in detail with reference to the drawings. The present invention can be embodied in other forms in which modifications and improvements have been made.

[6. Others)
Further, among the processes described in the above embodiments and modifications, all or a part of the processes described as being performed automatically can be manually performed, or described as being performed manually. All or a part of the processing can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown.

  Each component of each device illustrated is a functional concept, and does not necessarily need to be physically configured as illustrated. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or a part thereof may be functionally or physically distributed / arbitrarily divided into arbitrary units according to various loads and usage conditions. Can be integrated and configured.

  Further, the above-described embodiments and modified examples can be appropriately combined within a range that does not contradict processing contents.

  Further, the “section (section, module, unit)” described above can be read as “means”, “circuit”, or the like. For example, the acquiring unit can be replaced with an acquiring unit or an acquiring circuit.

Reference Signs List 1 information processing system 100 information processing device 121 user information storage unit 122 business information storage unit 123 settlement information storage unit 124 decision result information storage unit 125 action information storage unit 130 control unit 131 acquisition unit 132 determination unit 133 providing unit 10 user Terminal (terminal device)
20 store terminals (terminal devices)
50 Service provider N network

Claims (19)

Acquisition unit that acquires settlement request information for requesting settlement of a user's purchase in a store, and context information about the purchase,
Based on the payment request information and the context information obtained by the obtaining unit, a determination unit that determines whether to permit the payment,
An information processing apparatus comprising: The acquisition unit,
The information processing apparatus according to claim 1, wherein the payment request information based on a predetermined code detected by a terminal device is acquired. The acquisition unit,
The information processing apparatus according to claim 2, wherein the payment request information based on the predetermined code provided in the store is acquired. The acquisition unit,
The information processing device according to claim 2, wherein the payment request information based on the predetermined code detected by the terminal device used by the user is acquired. The acquisition unit,
The information processing device according to any one of claims 2 to 4, wherein the payment request information is acquired based on a two-dimensional code detected by the terminal device. The acquisition unit,
The information processing device according to any one of claims 2 to 5, wherein the payment request information based on a QR code (registered trademark) detected by the terminal device is acquired. The acquisition unit,
The information processing apparatus according to any one of claims 1 to 6, wherein the context information including the position information of the user is acquired. The acquisition unit,
The information processing device according to any one of claims 1 to 7, wherein the context information including position information on the store is acquired. The acquisition unit,
The information processing device according to any one of claims 1 to 8, wherein the context information including position information on a store terminal used by a store clerk is acquired. The acquisition unit,
The information processing apparatus according to any one of claims 1 to 9, wherein the context information including business hours information regarding business hours of the store is acquired. The acquisition unit,
The information processing apparatus according to any one of claims 1 to 10, wherein the context information including communication information regarding wireless communication provided in the store is acquired. The acquisition unit,
The information processing apparatus according to any one of claims 1 to 11, wherein the context information including the purchase history information of the user is acquired. The acquisition unit,
Acquiring the payment request information including store identification information for identifying the store,
The determining unit includes:
The information according to any one of claims 1 to 12, wherein it is determined whether or not to permit the payment to be made to a business entity corresponding to the store identified based on the store identification information. Processing equipment. The determining unit includes:
The information processing apparatus according to claim 13, wherein when the position of the store changes, the store position information of the store associated with the store identification information of the store is updated at a predetermined timing. The determining unit includes:
The information processing apparatus according to claim 14, wherein when the store is a moving store, the store position information is updated at the predetermined timing. The determining unit includes:
The information processing apparatus according to claim 14, wherein the store location information is updated at a predetermined interval. The acquisition unit,
Acquiring position change information indicating a change in the position of the store,
The determining unit includes:
The information processing apparatus according to any one of claims 14 to 16, wherein the store position information is updated at a timing when the position change information is obtained by the obtaining unit. An information processing method executed by a computer,
Acquisition step of acquiring settlement request information for requesting settlement of a user's purchase in a store, and acquiring context information on the purchase,
Based on the payment request information and the context information obtained by the obtaining step, a determining step of determining whether to permit the payment,
An information processing method comprising: Acquisition procedure for acquiring settlement request information for requesting settlement of a user's purchase at a store, and context information about the purchase,
Based on the payment request information and the context information obtained by the obtaining step, a determining step of determining whether to permit the payment,
An information processing program for causing a computer to execute the following.

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