JP2020154984A - Information processor, system, and program - Google Patents

Abstract

To provide an information processor, a system, and a program which can present a desirable settlement service for a specific settlement to a user who has a terminal with a plurality of settlement services registered therein.SOLUTION: In a system 100, an information processor 1 includes an acquisition unit, an analysis unit, and a selection unit. The acquisition unit can acquire at least one of settlement data, first data, second data, and third data. The settlement data represents a settlement history of a user terminal. The first data relates to an environment around the user terminal. The second data relates to privileges of a plurality of settlement services. The third data relates to limitations of using a plurality of settlement services. The selection unit selects a specific one of a plurality of settlement services on the basis of the settlement data and the first data to the third data.SELECTED DRAWING: Figure 1

Description

The present invention relates to information processing devices, systems and programs.

In recent years, payment systems using multifunctional information terminals such as smartphones have become widespread.

Patent Document 1 discloses a method and a system for executing electronic payment using a mobile terminal.

Special Table 2017-534978

Since such a payment system is highly convenient and is used by many users, each company provides its own payment service. However, it is difficult for the user to determine which of the many payment services is preferable to use for a particular payment.

The present invention has been made in view of such circumstances, and is an information processing device and a system capable of presenting a preferable payment service for a specific payment to a user who owns a terminal in which a plurality of payment services are registered. And the purpose of providing the program.

According to the present invention, the information processing apparatus includes an acquisition unit, an analysis unit, and a selection unit, and the acquisition unit acquires at least one of payment data, first data, second data, and third data. The payment data is configured to be possible, and the payment data is data representing a past payment history by the user terminal, wherein the user terminal is a terminal capable of using a plurality of payment services registered by the user, and is described above. The first data is data related to the environment in which the user terminal is placed, the second data is data related to the benefits of the plurality of payment services, and the third data is restrictions on the use of the plurality of payment services. The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the payment data and at least one of the first data to the third data. , Information processing equipment is provided.

In the present invention, a specific payment service is selected from a plurality of payment services based on the payment data and at least one of the first data to the third data. As a result, it is possible to reduce the time and effort for the user to select a specific payment service from a plurality of payment services each time the payment is processed.

It is the schematic of the system 100 including the information processing apparatus 1 which concerns on one Embodiment of this invention. It is a conceptual diagram which shows the relationship between a plurality of payment services and a credit card linked to a payment service. This is an example of payment data. It is a figure which shows a part of the rule which shows the selection rule of a payment service. It is a figure which shows a part of the rule which shows the selection rule of a payment service. FIG. 6A is an example of the state before the rule is changed. FIG. 6B is an example of the state after the rule is changed. It is a functional block diagram of a user terminal 4. It is a conceptual diagram which shows the program stored in the storage part 45 of a user terminal 4. This is an example of a two-dimensional code displayed on the display unit 41 of the user terminal 4. This is an example of an image showing a payment service presented on the display unit 41. This is another example of an image showing a payment service presented on the display unit 41. This is an example of a flowchart showing the processing executed by the information processing device 1. It is a conceptual diagram explaining the presentation of a payment service in consideration of the user's living area.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The various features shown in the embodiments shown below can be combined with each other.

The system 100 according to the present embodiment provides a service for a user terminal 4 in which a plurality of payment services are registered. In one embodiment, such a service can be provided as a front-end aggregation payment service (hereinafter referred to as MPay) that hides a plurality of payment services. Specifically, the aggregation payment service is a payment service that can manage a plurality of payment services. Then, by activating MPay installed on the user terminal 4, the user can be presented with a payment service that is preferable in a specific payment process among a plurality of payment services. Here, the presentation of the payment service includes not only the presentation of the wallet used for the payment processing but also the presentation of payment by various virtual currencies and electronic money.

1. 1. Outline of System 100 As shown in FIG. 1, the system 100 according to an embodiment of the present invention includes an information processing device 1 and a user terminal 4. In the present embodiment, the system 100 further includes a store server 5 and a payment server 6. Then, the information processing device 1, the user terminal 4, the store server 5, and the payment server 6 are connected to each other via the network NW. The information processing device 1 is composed of, for example, a server. The user terminal 4 is composed of an arbitrary computer, and includes, for example, a smartphone, a tablet terminal, a smart watch, a multifunctional music player, a device without a display screen (eg, a smart ring worn on a user's finger, and a wireless communication function). It consists of a card and a device that can be operated by brain waves). The store server 5 is a server operated by the store, and transmits data related to payment processing to the payment server 6 by holding the user terminal 4 over the payment terminal installed in the store or reading a two-dimensional code. The payment server 6 is a server that manages payment processing by the user terminal 4.

2. 2. Outline of Information Processing Device 1 The information processing device 1 includes a control unit 10, a communication unit 20, and a storage unit 30.

2-1. Control unit 10
The control unit 10 includes an acquisition unit 11, an analysis unit 12, a selection unit 13, a presentation unit 14, an event detection unit 15, a charge determination unit 16, a rule acquisition unit 17, a rule change unit 18, and a learning unit 19.

<Acquisition unit 11>
The acquisition unit 11 is configured to be able to acquire at least one of payment data, first data, second data, and third data. The payment data is data representing the past payment history by the user terminal 4. In the present embodiment, the user terminal 4 is a terminal capable of using a plurality of payment services registered by a user who uses the payment service. The first data is data related to the environment in which the user terminal 4 is placed. Preferably, the first data is data including at least one of position data representing the position of the user terminal 4, time, day of the week, weather and event. The second data is data related to the benefits of a plurality of payment services. Preferably, the second data includes at least one piece of information about the fiat currency balance of points, the point redemption rate, and coupons that discount the settlement amount. The third data is data related to usage restrictions of a plurality of payment services. Preferably, the third data includes at least one of the payment limit of the payment service, the usage limit of the payment service in a predetermined period, and the account balance associated with the payment service.

In the present embodiment, the acquisition unit 11 is configured to be able to acquire living area data representing the living area of the user and position data representing the position of the user terminal 4. Here, it is preferable that the living area is set based on the user's home, workplace, or other center of life. Further, the living area data may be input by the user himself / herself, or may be estimated by the information processing device 1 from the position data acquired from the user terminal 4.

Further, in the present embodiment, the acquisition unit 11 is configured to be able to acquire schedule data representing the user's schedule. Here, the schedule data may be input by the user himself, or may be estimated by the information processing device 1 from the calendar application of the user terminal 4, the reservation contents of the transportation means described in the e-mail, the reservation contents of the accommodation facility, and the like. Good.

Further, in the present embodiment, the acquisition unit 11 is configured to be able to acquire card information related to a credit card associated with a plurality of payment services. Here, the card information preferably includes the type of credit card and the limit amount.

Here, as shown in FIG. 2, each of the plurality of payment services (payment service A to payment service N: hereinafter referred to as A Pay to N Pay) is a credit card (hereinafter referred to as a card to m card). Is linked and registered. Then, the payment service is activated by the user terminal 4, and the payment process is executed, so that the payment equivalent amount is used from the credit card associated with the payment service. The user can associate any credit card with a specific payment service, and may associate the same credit card with a plurality of payment services. Here, the payment service can be implemented as, for example, an application for a smartphone, and can be used by the user installing the application on the user terminal 4.

<Analysis unit 12>
The analysis unit 12 is configured to be able to analyze at least one of payment data, first data, second data, and third data. Specifically, the analysis unit 12 analyzes the payment data and acquires data including the past payment history. As shown in FIG. 3, the settlement data may be a table in which the transaction ID, the settlement service used, the date and time when the settlement was executed, the item of the purchased product or service, and the amount of money are associated with each other. Further, the analysis unit 12 analyzes the first data to the third data and acquires the information included in the various data.

<Selection unit 13>
The selection unit 13 is configured to be able to select a specific payment service from a plurality of payment services based on the payment data and at least one of the first data, the second data, and the third data. In the present embodiment, the selection unit 13 selects a specific payment service from a plurality of payment services by using the analysis result by the analysis unit 12. Then, the payment process can be executed by the selected payment service. For example, only a specific payment service may be selected, or a plurality of payment services may be selected in descending order of priority. Specifically, the selection unit 13 is at a position where the payment process by the user terminal 4 is executed based on the payment data and at least one of the position data, the time, the day of the week, the weather, and the event included in the first data. A payment service that is frequently used can be selected as the payment service used for the payment service. Here, the position where the payment process is executed by the user terminal 4 may be not only the coordinates specified by the latitude and longitude but also the information representing the store where the payment process is executed. In the present embodiment, in addition to specifying the position by the position data, the position where the payment process is executed may be estimated from the time or the weather by analyzing the user's schedule.

Further, the selection unit 13 can select the payment service to be presented to the user terminal 4 from the plurality of payment services based on the following criteria (1) to (3) using the second data. ..
(Standard)
(1) A payment service in which the balance of points equivalent to legal tender exceeds a predetermined value, or a payment service in which the balance of points equivalent to legal tender is equal to or less than a predetermined value is presented to the user terminal 4. (2) Select a payment service that presents a payment service with a large return rate of points equivalent to legal tender to the user terminal 4 (3) A payment service with a large discount amount by a coupon that discounts the payment amount to the user terminal 4 Select as the payment service to present

Each standard will be described below.

Criterion (1) assumes a case where points that can be exchanged for discounts or goods or services are accumulated by using the payment service. Then, when there is a payment service in which the balance of points exceeds a predetermined value among a plurality of payment services, the user can use the points earlier by preferentially selecting the payment service. be able to. On the contrary, when there is a payment service in which the balance of points is equal to or less than a predetermined value among a plurality of payment services, the points are relatively accumulated by preferentially selecting the payment service. It is possible to promote payment by no payment service.

Criterion (2) is, for example, when payment is made by a specific payment service at a specific store at a specific time.
We are envisioning a campaign to increase the point return rate. Then, by selecting the payment service having a large point return rate from the plurality of payment services, it is possible to promote the efficient acquisition of points.

Criterion (3) is, for example, when payment is made by a specific payment service at a specific store at a specific time.
We are assuming a campaign to increase the discount amount by coupons that discount the payment amount. Then, by selecting a payment service having a large discount amount by coupon from a plurality of payment services, it is possible to promote efficient acquisition of points.

Here, in the standard (2) or the standard (3), a payment service having a larger point return rate or discount amount than other payment services may be selected from a plurality of payment services. Further, when there are a plurality of payments exceeding a predetermined value, the payment service having the largest point return rate or discount amount may be selected. The point return rate or the discount amount may be obtained from an external database or may be obtained from information posted on SNS or the like.

Further, the selection unit 13 is a case where the position where the payment process by the user terminal 4 is executed is not included in the living area based on the living area data and the position data, and the coupon can be used from the next payment. When it is determined that the coupon can be used, the payment service may not be selected. Such processing will be described later with reference to FIG.

Further, the selection unit 13 uses the coupon from the next payment when the position where the payment process by the user terminal 4 is executed is not included in the living area based on the living area data, the schedule data and the position data. It is possible, and when it is determined that the user stays within a predetermined range for a predetermined time or longer from the position where the payment process is executed, the payment service that can use such a coupon may be selected. Such processing will be described later with reference to FIG.

Further, the selection unit 13 may select a payment service having a split billing function when it is determined that the user executes payment by a plurality of people based on the schedule or position data. This assumes, for example, eating and drinking by multiple people. Specifically, when it is expected that accounting will be split by multiple people, by selecting a settlement service having a split billing function from among a plurality of payment services, accounting with split billing can be smoothly executed. ..

In addition, the selection unit 13 provides a payment service that exceeds the upper limit of the payment amount of the payment service and the usage limit of the completed service in a predetermined period, or a payment service in which the account balance associated with the payment service is equal to or less than a predetermined amount. It can be configured not to be selected. As a result, it is possible to prevent the user from likely to use the payment service for which the usage restriction is imposed.

Further, the selection unit 13 may select a payment service that is not registered in the user terminal 4. Specifically, the selection unit 13 can select a payment service provided by the sponsor, which can issue a coupon by registering with the user terminal 4. At this time, if there are a plurality of sponsors, the payment service provided by the sponsor with a high amount of assistance may be preferentially selected. This has the following merits.
-Provider of information processing device 1: Sponsor income is obtained by displaying information about the sponsor on the user terminal 4 or by presenting the payment service provided by the sponsor to the user.
-Sponsor: The payment service provided by the sponsor can be efficiently promoted to the user.
-User: You can get a coupon by registering the payment service provided by the sponsor.

Further, the selection unit 13 may determine a specific payment service among a plurality of payment services based on the card information. Specifically, if you can receive a discount by using a specific credit card at a specific store, consider the discount amount by the credit card linked to the payment service in addition to the discount amount by multiple payment services. Select a payment service for a combination with a high overall discount.

Further, the selection unit 13 may select a specific payment service from a plurality of payment services when the aggregation payment service (MPay) is activated by the user terminal 4. Further, the presenting unit 14 may present the selected payment service on the screen of MPay. As a result, an appropriate payment service can be selected or presented at the timing when the user intends to make a payment.

<Presentation unit 14>
The presentation unit 14 is configured to be able to present the payment service selected by the selection unit 13 to the user terminal 4. For example, only a specific payment service may be presented, a plurality of payment services may be presented in descending order of priority, or a plurality of payment services may be presented together with a priority. Preferably, the presenting unit 14 is configured to be able to present the payment service selected by the selection unit 13 to the user terminal 4.

Here, the presentation by the presentation unit 14 is realized by any aspect. For example, when the presentation unit 14 has an image generation function, the presentation unit 14 generates an image to be displayed on the display unit 41 of the user terminal 4. Then, the image is transmitted to the user terminal 4 via the communication unit 20 and displayed on the display unit 41 to present a specific payment service. Here, such images include still images and moving images. In addition, the still image includes arbitrary information such as text, icons, images, and photographs.

In the present embodiment, the presentation unit 14 may be configured to be able to generate an image representing the payment service when the aggregation payment service (MPay) is activated by the user terminal 4. Here, the image representing the payment service is, for example, an icon, text, or other image representing an application that realizes the payment service.

Further, instead of generating an image representing the payment service to be presented, the payment service selected by any mode such as voice, light, vibration, odor, and information transmission to brain waves can be presented to the user. .. For example, in the case of voice, it is generated by the name user terminal 4 of the selected payment service. Further, in the case of light, a part of the user terminal 4 is made to emit light in a color corresponding to a predetermined payment service. Further, in the case of vibration, a part of the user terminal 4 is vibrated in a vibration pattern corresponding to a predetermined payment service. Further, in the case of an odor, an odor corresponding to a predetermined payment service is generated from a part of the user terminal 4. Further, in the case of an electroencephalogram, an electric signal corresponding to a predetermined payment service is transmitted to a communication chip set in the user's brain.

<Event detection unit 15>
The event detection unit 15 detects the event that the user is experiencing. Specifically, it analyzes the location information or schedule information of the user terminal 4 and detects an event that the user seems to be currently experiencing. As a result, for example, when it is detected that a plurality of users are staying at a restaurant, a payment service having a split billing function can be selected.

<Price determination unit 16>
The charge determination unit 16 is configured to be able to determine the usage charge of the information processing device 1 based on the profit obtained by the user in a predetermined period by the payment service selected by the selection unit 13. Specifically, the number of profits (amount of money earned) obtained by the user in a predetermined period (example: one year) by continuing to select an appropriate payment service for the MP Pay user provided by the information processing device 1. % Can be the next service usage fee (annual service usage fee for the next year).

Here, when using MPay, a function may be provided so that the user can select from a plurality of options for the profit obtained in a predetermined period. For example, an image for selecting "short-term profit type" or "long-term profit type" may be displayed on the display unit 41. Specifically, when "Short-term profit type" is selected, the payment service will maximize the profit obtained from coupons and discounts in a short period of time (eg: 1 day, 1 week, 1 month). Be selected. On the other hand, when "long-term profit type" is selected, the payment service is selected so that the profit obtained from coupons, discounts, etc. is maximized over a long period of time (eg, 3 months, 6 months, 12 months). ..

<Rule acquisition unit 17>
The rule acquisition unit 17 is configured to be able to acquire rules. Here, the rule represents the selection rule of the payment service. Further, in the present embodiment, the rule is data associated with at least one of the first data to the third data for each of the plurality of payment services. Then, the selection unit 13 may select a specific decision service from a plurality of payment services based on the rules.

Here, the rules will be described with reference to FIGS. 4 and 5. As shown in FIGS. 4 and 5, for example, a rule is a table associated with at least one of the first data to the third data for each of a plurality of payment services. In the examples of FIGS. 4 and 5, A Pay to D Pay are registered as a plurality of payment services.

Then, as shown in FIG. 4, the position, time, day of the week, weather, and event are registered as the first data. These conditions are subdivided into more detailed conditions (living area, out-of-living area, predetermined time, weather content, event content). Here, these conditions are not limited to the example of FIG. 4, and can be set as appropriate.

Further, as shown in FIG. 5, the point balance, the point return rate, and the coupon are registered as the second data. These conditions are more detailed conditions (point p range (defined by 0, P1, P2), point return rate r range (defined by 0, R1, R2), coupon discount amount d range (0, It is subdivided into (defined by D1 and D2))). Here, these conditions are not limited to the example of FIG. 5, and the range of the conditions may be 3 stages or less or 4 stages or more, and the usable period of the coupon may be added.

Further, as shown in FIG. 5, as the third data, the upper limit of the settlement amount, the usage limit amount, and the account balance are registered. These conditions are more detailed conditions (range of upper limit s of settlement amount (specified by 0, S1, S2), range of usage limit u (specified by 0, U1, U2), range of account balance a (0). , A1 and A2)). Here, these conditions are not limited to the example of FIG. 5, and the range of the conditions may be three stages or less or four stages or more.

In the present embodiment, payment data representing a past payment history is analyzed, and a rule is generated by associating a payment service that has been frequently used by a user in the past under the conditions shown in FIGS. 4 and 5. In the examples of FIGS. 4 and 5, the payment service most frequently used for each of various conditions is indicated by "○". Here, the method of setting the rule is not limited to this, and priority may be set for a plurality of payment services.

In the examples of FIGS. 4 and 5, the settlement service is associated with each other on a one-to-one basis for each of various conditions, but a rule for associating the settlement service with each combination of a plurality of conditions may be used.

<Rule change part 18>
The rule changing unit 18 is configured so that the rule can be changed based on the settlement data. Here, the change of the rule will be described with reference to FIGS. 6A and 6B. FIG. 6A is a diagram showing a part of the rule before the rule is changed. Further, FIG. 6B is a diagram showing a part of the rule after the rule is changed. Note that these figures are examples of rules in which the priorities of a plurality of payment services are set for each of various conditions.

As shown in FIG. 6A, it is assumed that the frequency of use of the payment service used by the user is higher in the order of B Pay, A Pay, C Pay, and D Pay in the time zone from 18:01 to 21:00. After that, it is assumed that the payment service used by the user changes due to various factors, and the payment service most used during the time period from 18:01 to 21:00 changes from BPay to APay. At this time, the rule changing unit 18 changes the rule shown in FIG. 6A and generates the rule shown in FIG. 6B.

<Learning Department 19>
The learning unit 19 analyzes the settlement data and the first to third data, and executes machine learning. Then, the learning result by the learning unit 19 is fed back to the analysis unit 12, the selection unit 13, the presentation unit 14, the event detection unit 15, the charge determination unit 16, the rule acquisition unit 17, and the rule change unit 18, so that the data analysis accuracy Can be improved.

2-2. Communication unit 20
The communication unit 20 is configured to be able to communicate with other information processing devices or components. In the present embodiment, the communication unit 20 is configured to enable data communication with other components constituting the information processing device 1, a user terminal 4, a store server 5, a payment server 6, and other information processing devices by wire or wirelessly. To. In the present embodiment, the communication unit 20 transmits and receives various data between the information processing device 1 and the user terminal 4, the store server 5, and the payment server 6 via the network NW.

2-3. Memory unit 30
The storage unit 30 stores various programs and data, and is composed of, for example, a memory, a hard disk, an SSD, or the like. In the present embodiment, the storage unit 30 stores user data, payment data, first data, second data, third data, store data, and a program. Here, the user data is data associated with the user's name, user ID, e-mail address, information for identifying the payment service registered in the user terminal 4, information about the credit card associated with the payment service, and the like. .. In addition, the program realizes processing by each component constituting the information processing device 1.

Here, in the example of FIG. 1, the storage unit 30 is provided in the information processing device 1, but the storage unit 30 is provided outside the information processing device 1, and the information processing device 1 is provided in the storage unit 30 as needed. It may be a form of so-called cloud computing to access.

3. 3. User terminal 4
The user terminal 4 can be configured by any device. Hereinafter, a multifunctional communication terminal such as a smartphone will be described as an example. As shown in FIG. 7, the user terminal 4 includes a display unit 41, an operation unit 42, a communication unit 43, a control unit 44, and a storage unit 45.

The display unit 41 displays text and images (including still images and moving images), and is composed of an arbitrary display. The operation unit 42 operates the user terminal 4, and is composed of a mouse, a pointing device, and the like. Here, when the display unit 41 is a touch panel, the tap operation on the touch panel corresponds to the operation by the operation unit 42. The communication unit 43 has the same function as the communication unit 20 of the information processing device 1. The control unit 44 controls other components of the user terminal 4. The storage unit 45 stores various data and programs.

As shown in FIG. 8, the storage unit 45 stores A Pay to D Pay and a program in addition to M Pay, which is an aggregation settlement service. The positioning of MPay is a service that collectively manages a plurality of payment services registered by the user in the user terminal 4. Then, these payment services can be realized as, for example, an application installed on a smartphone. In addition, the program realizes processing by each component constituting the user terminal 4.

Here, each component constituting the information processing device 1 and the user terminal 4 may be realized by software or hardware. When realized by software, various functions can be realized by the CPU executing a program. The program may be stored in a built-in storage or may be stored in a computer-readable non-temporary recording medium. Further, the program stored in the external storage unit may be read out and realized by so-called cloud computing. When realized by hardware, it can be realized by various circuits such as ASIC, FPGA, or DRP. In this embodiment, various information and concepts including the same are dealt with, and these are represented by high and low signal values as a bit set of binary numbers composed of 0 or 1, and are represented by the above software or hardware. Communication and calculation can be executed depending on the mode of.

4. Store server 5 and payment server 6
The store server 5 is a server that accepts payment processing at a store. For example, as shown in FIG. 9, the payment process is executed when the payment terminal installed in the store reads the two-dimensional code displayed on the display unit 41 of the user terminal 4. Further, the payment process may be executed by the user terminal 4 reading the two-dimensional code displayed on the payment terminal. Note that the payment process using the two-dimensional code is an example, and payment by a credit card may be executed directly by holding the user terminal 4 over the payment terminal. Then, the store server 5 transmits the data related to the payment process fetched from the payment terminal to the information processing device 1 or the payment server 6.

The payment server 6 is a server operated by a credit card issuer, and manages payment data management, credit card limits, bank account balances associated with credit cards, and the like. Then, by transmitting various data to the information processing device 1, the information processing device 1 can acquire data such as payment data.

5. Example of presentation screen Next, an aspect of presenting the image generated by the presentation unit 14 to the display unit 41 of the user terminal 4 will be described with reference to FIGS. 10 and 11.

As shown in FIG. 10, when the user activates MPay, an image (icon A) representing a payment service (A Pay in the example of FIG. 10) presumed to be appropriate by the information processing device 1 is displayed on the display unit 41. Is displayed. In this state, the payment process is executed by holding the user terminal 4 over the payment terminal or reading the two-dimensional code. Here, the execution of the settlement process may be started by selecting the icon A shown in FIG.

The timing at which the image representing the payment service is displayed on the display unit 41 is not limited to this, and the location information acquired from the user terminal 4, the location information obtained from Wi-Fi, the location information obtained from the beacon in the store, and the like. The image may be displayed on the display unit 41 at a timing when it can be estimated that the user performs the payment process from the store information obtained by holding the user terminal 4 over the payment terminal or reading the two-dimensional code.

If you want to use a payment service different from the payment service (A Pay) presented to the user, you may select the "Use another service" button and select another payment service.

Further, as shown in FIG. 11, icons B, icon C, and icon D representing BPAY, C PAY, and D Pay may be displayed around the icon A representing A Pay. Such icons are preferably displayed in descending order of priority defined by the rules shown in FIGS. 6A or 6B. At the same time, the priority may be displayed in the vicinity of these icons. Then, when any of the icons B to D is selected by the user, the payment service corresponding to the icon may be set as the service used for the payment processing. At this time, as in FIG. 9, the "use other service" button can be displayed.

Here, when MPay is started, the icons A to D may be displayed on the display unit 41, and the icons B to D may be hidden after a predetermined time has elapsed. .. As a result, it is possible to reduce an operation error in which the user selects an icon corresponding to a payment service different from the payment service he / she wants to use for payment.

6. Processing by system 100 6-1. Flowchart Next, processing by the system 100 will be described with reference to FIG.

First, in S1, the communication unit 20 receives information indicating that the user terminal 4 has activated the payment service. Specifically, the communication unit 20 receives information indicating that MPay has been activated by the user terminal 4.

Next, in S2, the acquisition unit 11 acquires the settlement data from the storage unit 30. Then, in S3, at least one of the first data to the third data is acquired by the acquisition unit 11. Here, the first data may be acquired from the user terminal 4, the second data may be acquired from an external database or a post such as SNS, and the third data may be acquired from the payment server 6.

Next, in S4, the analysis unit 12 analyzes the settlement data and at least one of the first data to the third data.

Next, in S5, the selection unit 13 selects a specific payment service from the plurality of payment services based on the rules acquired by the rule acquisition unit 17.

Then, in S6, an image representing the payment service is displayed on the display unit 41 of the user terminal 4. The user who sees such an image finally chooses whether to use the presented payment service or another payment service. When the user terminal 4 is a device that does not have the display unit 41, the selected payment service is presented to the user by a presentation form other than the above-mentioned image.

Next, in S7, it is determined whether or not the user has selected another payment service. Such selection is made by the screen displayed in FIG. 10 or FIG.

If the user selects the presented payment service in S7 (NO), the process proceeds to S10 and the payment process is executed.

On the other hand, in S7, when the user selects a payment service different from the presented payment service (YES), the process proceeds to S8.

In S8, it is determined whether or not to change the rules shown in FIGS. 4 and 5. Here, the timing of changing the rule is not particularly limited, and for example, the rule may be changed when a payment service different from the presented payment service is selected a predetermined number of times or more.

Then, in S8, when it is determined that the change of the rule is unnecessary (NO), the process proceeds to S10 and the settlement process is executed.

On the other hand, if it is determined in S8 that the rule needs to be changed (YES), the process proceeds to S9, and the rule change unit 18 changes the rule (see FIGS. 6A and 6B). After that, the process proceeds to S10, and the settlement process is executed.

6-2. Selection Rule for Payment Service Next, the process in S5 of FIG. 12 will be described in detail.

<First data>
As shown in FIG. 4, the payment service to be used may differ depending on the time zone when the user tries to execute the payment process. For example, it is assumed that a user who normally uses A Pay (see FIG. 2) associated with an a card uses a payment service associated with another credit card at a specific time zone. In the example of FIG. 4, the BPay (see FIG. 2) associated with the b card is frequently used in the time zone of 18:01-21: 00. This may be the case, for example, when a person stops at a supermarket to buy ingredients for dinner on the way home from work and uses the b card as a card for paying family food expenses. Further, in the example of FIG. 4, the C Pay (see FIG. 2) associated with the c card is frequently used in the time zone of 00:01 to 06:00. This may be the case when the payment card used when going out for dinner with a friend at a late time is the c card. For such users, selecting a specific payment service from multiple payment services for each payment process is a laborious task, but by analyzing the payment data and setting rules, a specific time zone In the payment processing in the above, the information processing device 1 selects B Pay or C Pay, so that the time and effort for the user to select the B Pay or C Pay can be reduced.

In addition, although A Pay is used within the living area, it is assumed that D Pay linked to another credit card is frequently used outside the living area such as a travel destination. Furthermore, it is assumed that different payment services will be used depending on the day of the week, the weather, and the event. In the example of FIG. 4, A Pay is mainly used when the user performs payment processing by one person (independently), but when payment processing is performed by multiple people, the frequency of using C Pay having a split billing function is used. May be high. Even in such a situation, the information processing device 1 can reduce the trouble of selection by the user by selecting a specific payment service.

Further, when the conditions overlap in the first data shown in FIG. 4, a specific condition can be prioritized. For example, even if it is detected that the payment process by the user is performed outside the living area, if the event detected by the event detection unit 15 represents the meal of a plurality of people, the C Pay having the split billing function is given priority. You may choose. Further, even if the settlement process between 12:01 and 18:00 is detected, if the day is Saturday, BPAY may be preferentially selected. Here, it is possible to appropriately set which condition is prioritized. For example, extraordinary conditions such as weather and events may be prioritized over everyday conditions such as location, time, and day of the week.

<Second data>
As shown in FIG. 5, it is possible to set the payment service to be selected in association with the point balance associated with the plurality of payment services and the point return rate. Here, FIG. 5 shows an example of the selection service when the point balance or the point return rate held by A Pay to D Pay is the same, but the point balance or the point return rate held by each settlement service is shown. If they are different, the priority to be selected may be determined based on the settlement data and other conditions.

Further, a specific payment service may be selected in consideration of the coupon expiration date and the location information of available stores, in addition to the magnitude of the coupon discount amount. For example, if you can receive a coupon that can be used from the next payment process by using a specific payment service, but there is only a short time left until the expiration date of the coupon, lower the priority of such payment service and others. You may choose the payment service of.

Here, also for the second data, if the conditions overlap, a specific condition can be prioritized. For example, the conditions related to the coupon may be set to be prioritized over the point balance or the point return rate.

<Third data>
In addition, the payment service to be presented can be registered according to the upper limit of the payment amount, the usage limit, and the account balance. For example, when the upper limit of the payment amount of B Pay is larger than that of A Pay and the execution of the payment process exceeding the upper limit of the payment amount of A Pay is detected, B Pay is selected. The same applies to the usage limit and account balance. Here, when the presentation is made by the presentation unit 14, the presentation mode of the B Pay is not particularly limited, and the B Pay may be presented instead of the A Pay. In addition, an image showing A Pay may be displayed, and a message such as "Cannot be used because the payment amount exceeds the upper limit" may be displayed, and then BPaY may be presented. As described above, it can be said that the third data, unlike the first data and the second data, defines conditions for restricting the use of a specific payment service.

Then, in the actual presentation, the payment service to be presented to the user is selected by analyzing at least one of the first data to the third data in addition to the payment data. Here, when all the first data to the third data can be acquired, the priority order among these data may be determined. For example, it is preferable that the third data, which defines the conditions for restricting the use of a specific payment service, is prioritized over the first data or the second data.

In addition, if there is a payment service provided by the sponsor, the payment service provided by the sponsor may be preferentially selected if the user is given benefits by registering on the spot. .. As a result, the user can know the unregistered payment service and can obtain the privilege by registering as necessary.

The example described above is a case on the premise of presentation by the presentation unit 14. The following cases are assumed when the presentation is made by the presentation unit 14.
-Present the payment service to the user terminal 4 when the user finally wants to decide the payment service to be used for the payment processing.-The payment terminal installed in the store to confirm the payment service used for the payment processing. Present payment service to

7. When the presentation by the presentation unit 14 is omitted Here, the presentation by the presentation unit 14 is not essential, and the processing of S6 to S9 shown in FIG. 12 can be omitted. For example, when the user operates the user terminal 4 and sets the MPay setting to the "leave mode", the presentation is not performed by the presentation unit 14, but is selected by the selection unit 13 of the information processing device 1. The payment process may be executed by the payment service. Further, when the user operates the user terminal 4 and manually creates the rule shown in FIG. 5 or 6 as my rule, the information processing device 1 presents a custom rule for each user in advance, and the user takes the rule. When the rule is set as My Rule, or when the rule presented by the information processing device 1 is customized by the user and then set as My Rule, the presentation by the presentation unit 14 is omitted when following such a rule. May be good. Here, when a situation other than that specified as My Rule occurs, the presentation unit 14 may be configured to make a presentation.

In this way, it is preferable to configure the operation unit 42 of the user terminal 4 so that the presence or absence of presentation by MPay can be switched.

8. Presentation within and outside the living area Next, the presentation within and outside the living area will be described with reference to FIG. For example, in the payment processing at the store A or the store B located in the user's living area LA, the payment service determined based on the conditions shown in FIG. 4 is presented. On the other hand, in the payment processing at the store C located outside the user's living area LA, even if a coupon that can be used at the store C is issued by using a specific payment service (eg, D Pay), such a coupon Is not expected to be used. In such a case, the payment service having the next highest priority may be presented instead of D Pay.

Here, based on the event information acquired by the event detection unit 15 and the contents of the SNS etc. posted by the user, if the store C located outside the living area LA stays within a predetermined range for a predetermined time or longer. If it is determined, the D Pay that can receive the coupon that can be used from the next payment at the store C may be presented preferentially.

As described above, in the system 100 including the information processing device 1 according to the present embodiment, a specific payment service among a plurality of payment services is based on the payment data and at least one of the first data to the third data. Is selected. Then, when the presentation unit 14 makes a presentation, the presentation unit 14 presents the selected payment service to the user. As described above, in the system 100 using the information processing device 1, it is possible to select a preferred payment service for a specific payment. As a result, it is possible to reduce the time and effort for the user to select a specific payment service from a plurality of payment services each time the payment is processed.

9. Others The information processing device 1 according to the present invention can also be implemented in the following aspects.

The control unit 10, the communication unit 20, and the storage unit 30 are provided in the user terminal 4. Specifically, by installing the MPAy application distributed from the information processing device 1 or the application distribution server on the user terminal 4, the function of the information processing device 1 can be realized by the user terminal 4 alone.

The system includes a user terminal and an information processing device, the user terminal is a terminal capable of using a plurality of payment services registered by the user, and the information processing device includes an acquisition unit and a selection unit. The acquisition unit is configured to be able to acquire at least one of payment data, first data, second data, and third data, and the payment data is data representing a past payment history by a user terminal. The user terminal is a terminal that can use a plurality of payment services registered by the user, the first data is data related to the environment in which the user terminal is placed, and the second data is. The data relating to the benefits of the plurality of payment services, the third data is data relating to usage restrictions of the plurality of payment services, and the selection unit includes the payment data and the first data to the third data. A system in which a specific payment service can be selected from the plurality of payment services based on at least one of the above, and the user terminal is configured to be able to execute a payment process by the selected payment service. ..

A program that causes a computer to function as an information processing device including an acquisition unit and a selection unit, and the acquisition unit can acquire at least one of payment data, first data, second data, and third data. The payment data is data representing a past payment history by a user terminal, wherein the user terminal is a terminal capable of using a plurality of payment services registered by the user, and the first One data is data related to the environment in which the user terminal is placed, the second data is data related to the benefits of the plurality of payment services, and the third data relates to restrictions on the use of the plurality of payment services. It is data, and the selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the payment data and at least one of the first data to the third data. program.

It may also be provided as a computer-readable non-temporary recording medium that stores the above-mentioned program.

1: Information processing device 4: User terminal 5: Store server 6: Payment server 10: Control unit 11: Acquisition unit 12: Analysis unit 13: Selection unit 14: Presentation unit 15: Event detection unit 16: Charge determination unit 17: Rule Acquisition unit 18: Rule change unit 19: Learning unit 20: Communication unit 30: Storage unit 41: Display unit 42: Operation unit 43: Communication unit 44: Control unit 45: Storage unit 100: System NW: Network

Claims (19)

It is an information processing device
Equipped with an acquisition unit and a selection unit
The acquisition unit is configured to be able to acquire at least one of payment data, first data, second data, and third data.
The payment data is data representing a past payment history by a user terminal, and the user terminal is a terminal capable of using a plurality of payment services registered by the user.
The first data is data related to the environment in which the user terminal is placed.
The second data is data relating to the benefits of the plurality of payment services.
The third data is data relating to usage restrictions of the plurality of payment services.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the payment data and at least one of the first data to the third data.
Information processing device. In the information processing apparatus according to claim 1,
Equipped with a presentation section
The presenting unit is configured to be able to present the selected payment service to the user terminal.
Information processing device. In the information processing apparatus according to claim 1 or 2.
The first data is data including at least one of position data representing the position of the user terminal, time, day of the week, weather, and an event.
The selection unit selects a frequently used payment service at a position where payment processing by the user terminal is executed, based on the payment data and at least one of the location data, time, day of the week, weather, and event. ,
Information processing device. In the information processing apparatus according to any one of claims 1 to 3.
The second data includes at least one of information about the balance of points according to legal tender, the return rate of the points, and the coupon for discounting the settlement amount.
The selection unit is configured to be able to select a payment service to be presented to the user terminal from the plurality of payment services based on the criteria (1) to (3) below;
(1) Select a payment service whose balance exceeds a predetermined value, or a payment service whose balance is equal to or less than a predetermined value (2) Select a payment service having a large return rate (3) An information processing device that selects a payment service with a large discount amount based on the coupon. In the information processing apparatus according to claim 4,
The second data includes information about coupons that discount the payment amount.
The acquisition unit is configured to be able to acquire living area data representing the living area of the user and position data representing the position of the user terminal.
The selection unit is a case where the position where the payment process by the user terminal is executed is not included in the living area based on the living area data and the position data, and the coupon can be used from the next payment. When it is determined that, do not select a payment service that can use the coupon,
Information processing device. In the information processing apparatus according to claim 4 or 5.
The second data includes information about coupons that discount the payment amount.
The acquisition unit is configured to be able to acquire living area data representing the living area of the user, schedule data representing the schedule of the user, and position data representing the position of the user terminal.
The selection unit is a case where the position where the payment process by the user terminal is executed is not included in the living area based on the living area data, the schedule data and the position data, and the coupon is the next time. When it is determined that the user can use the coupon for payment and stays within a predetermined range for a predetermined time or longer from the position where the payment processing is executed, the payment service that can use the coupon is selected. To do
Information processing device. In the information processing apparatus according to any one of claims 1 to 6.
The acquisition unit is configured to be able to acquire schedule data representing the user's schedule and position data representing the position of the user terminal.
The selection unit selects a payment service having a split billing function when it is determined that the user executes payment by a plurality of people based on the schedule or the position data.
Information processing device. In the information processing apparatus according to claim 1 to 7.
The third data includes at least one of the upper limit of the payment amount of the payment service, the usage limit of the payment service in a predetermined period, and the account balance associated with the payment service.
The selection unit does not select a payment service that exceeds the upper limit of the payment amount and the usage limit, or a payment service whose account balance is less than or equal to a predetermined amount.
Information processing device. In the information processing apparatus according to any one of claims 1 to 8.
The selection unit is configured to be able to select a payment service that is not registered in the user terminal.
Information processing device. In the information processing apparatus according to claim 9,
It is a payment service provided by a sponsor, and is configured to be able to select a payment service that can issue coupons by registering with the user terminal.
Information processing device. In the information processing apparatus according to claim 10,
When there are a plurality of the sponsors, the selection unit is configured to preferentially select the payment service provided by the sponsor with a high amount of assistance.
Information processing device. In the information processing apparatus according to any one of claims 1 to 11.
The acquisition unit is configured to be able to acquire card information related to a credit card linked to the plurality of payment services.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the card information.
Information processing device. The information processing apparatus according to any one of claims 1 to 12.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services when the aggregation payment service is activated by the user terminal.
The aggregation payment service is a payment service capable of managing the plurality of payment services.
Information processing device. In the information processing apparatus according to claim 13,
Equipped with a presentation section
The presenting unit is configured to be able to present the selected payment service to the user terminal.
The presenting unit is configured to be able to present the payment service when the aggregation payment service is activated by the user terminal.
Information processing device. In the information processing apparatus according to any one of claims 1 to 14.
Equipped with a pricing department
The charge determination unit is configured to be able to determine the usage charge of the information processing device based on the profit obtained by the user in a predetermined period by the payment service selected by the selection unit.
Information processing device. The information processing apparatus according to any one of claims 1 to 15.
Equipped with a rule acquisition section
The rule acquisition unit is configured to be able to acquire rules.
The rule is a rule representing a selection rule of a payment service, and is data associated with at least one of the first data to the third data for each of the plurality of payment services.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the rule.
Information processing device. In the information processing apparatus according to claim 16,
Equipped with a rule change part
The rule changing unit is configured to be able to change the rule based on the settlement data.
Information processing device. It's a system
Equipped with a user terminal and information processing device
The user terminal is a terminal that can use a plurality of payment services registered by the user.
The information processing device
Equipped with an acquisition unit and a selection unit
The acquisition unit is configured to be able to acquire at least one of payment data, first data, second data, and third data.
The payment data is data representing a past payment history by a user terminal, and the user terminal is a terminal capable of using a plurality of payment services registered by the user.
The first data is data related to the environment in which the user terminal is placed.
The second data is data relating to the benefits of the plurality of payment services.
The third data is data relating to usage restrictions of the plurality of payment services.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the payment data and at least one of the first data to the third data.
The user terminal is configured to be capable of executing payment processing by the selected payment service.
system. A program that causes a computer to function as an information processing device including an acquisition unit and a selection unit.
The acquisition unit is configured to be able to acquire at least one of payment data, first data, second data, and third data.
The payment data is data representing a past payment history by a user terminal, and the user terminal is a terminal capable of using a plurality of payment services registered by the user.
The first data is data related to the environment in which the user terminal is placed.
The second data is data relating to the benefits of the plurality of payment services.
The third data is data relating to usage restrictions of the plurality of payment services.
The selection unit is configured to be able to select a specific payment service from the plurality of payment services based on the payment data and at least one of the first data to the third data.
program.