JP2021135873A - Optimum settlement means information providing system and method of the same - Google Patents

Abstract

To provide an information providing system and a method of the same for recommending optimum settlement means for a user trying to settle at a store or the like.SOLUTION: An information providing server 1 communicates with a user terminal when a user visits a store and provides information regarding purchase of goods and service. The information providing server has an information storage unit for storing: information on settlement means; information on a store; information on a commodity and service; information on various privileges associated with the settlement means, a store, or the goods and the service, and a combination of them; and information on purchase preference of the goods and the service of the user. The information providing server is configured to: receive information for specifying a user and a location of the user from the user terminal or information on visit to a store purchase site; when it is determined that the user has visited a store or an online site of the store, determine a purpose of use; and determine recommended settlement means at the store from pieces of settlement means on the basis of a purpose of use, the information on the store, preference information, and the information on the various privileges to notify the user terminal of the recommended settlement means.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information providing system and a method thereof that recommends an optimal payment method for a user who uses payment at a store or the like.

In recent years, payment methods have been diversifying, and the number of payment methods accepted at stores has become innumerable.

Multiple credit cards, debit cards, prepaid cards, and electronic money cards are stored in personal wallets, and multiple electronic money payment applications are installed on mobile terminals.

For this reason, at the place where the payment method is to be used (payment place), each individual needs to select and use the payment method that can be used at the payment place from the payment methods owned by the individual. It was sometimes confusing because it was necessary to determine not only individual tastes but also which payment method would be the most profitable in consideration of the benefits peculiar to the place.

The present invention has been made to solve this problem, and an object of the present invention is to provide an information providing system and a method thereof that recommend an optimal payment method to a user who uses payment at a store or the like. It is a thing.

The following means are provided to achieve the above objectives.

(1) A payment information providing system
Equipped with a server that communicates with the user's terminal when the user visits a specific store and provides information on the purchase of goods and services.
This server
Information on the user's payment method, information on a specific store, information on a specific product or service, information on a specific payment method or store or product service or various benefits associated with a combination thereof, purchase of the user's product or service. Information storage means for storing information about tastes,
Use of the user when it is determined that the user has visited the store or the online site of the store after receiving information for specifying the position of the user and the user or information regarding a visit to a specific store purchase site from the user terminal. Means to determine the purpose and
Based on the purpose of use of the user, the information of the store, the preference information of the user, and the information related to the various benefits, the recommended payment method at the store is determined from the payment means of the user and notified to the user terminal. Recommended payment method determination method and
A payment information providing system characterized by having.

(2) In the payment information system described in (1) above,
The recommended payment means determining means acquires an artificial intelligence model for the purpose of use based on the purpose of use of the user, and the artificial intelligence model includes information on the store, information on products to be purchased, and preferences of the user. A system characterized in that the recommended payment method at the store is determined by applying any or all of the information and the information related to the various benefits.

(3) In the payment information system described in (2) above,
The recommended payment method determination unit
In the above artificial intelligence model, a system characterized in that the payment method having the highest privilege score is determined as the recommended payment method.

(4) In the payment information providing system described in (1) above,
A payment information providing system characterized in that the user's payment means is one or more electronic payment means including a payment card, electronic money, mobile payment, and the like.

(5) In the payment information providing system described in (1) above,
The payment information providing system is characterized in that the user preference information includes information on a priority payment means including preferentially using a specific payment means for a specific purpose of use.

(6) In the payment information providing system described in (1) above,
Further, a payment information providing system characterized by having an important privilege style determining means for determining an important privilege style based on the usage history of the payment means of the user.

(7) In the payment information providing system described in (1) above,
The server acquires and stores various privilege information (privilege information, campaign information, insurance contract information, etc.) associated with a specific store, payment method / product / service, etc. Offering system.

(8) In the payment information providing system described in (1) above,
The server is a system characterized in that the use of the payment means by the user is associated with information on when, how much, and what was purchased at which store.

(9) In the payment information providing system described in (1) above,
The privilege information is an insurance privilege attached to an electronic payment means such as a user's card.
The notification means proposes the most suitable payment method by comparing the contents of travel insurance, life insurance, damage compensation insurance, and travel benefits when it is determined that the purpose of use of the user is travel. A system characterized by that.

(10) A method of providing payment information
Equipped with a server that communicates with the user's terminal when the user visits a specific store and provides information on the purchase of goods and services.
This server
Information on the user's payment method, information on a specific store, information on a specific product or service, information on a specific payment method or store or product service or various benefits associated with a combination thereof, purchase of the user's product or service. Information storage process for storing information about tastes,
Use of the user when it is determined that the user has visited the store or the online site of the store after receiving information for specifying the position of the user and the user or information regarding a visit to a specific store purchase site from the user terminal. The process of determining the purpose and
Based on the purpose of use of the user, the information of the store, the preference information of the user, and the information related to the various benefits, the recommended payment method at the store is determined from the payment means of the user and notified to the user terminal. Recommended payment method determination process and
A payment information providing method characterized by having.

(11) In the payment information providing method described in (10) above,
In the recommended payment means determination process, an artificial intelligence model for the purpose of use is acquired based on the purpose of use of the user, and the artificial intelligence model includes information on the store, information on products to be purchased, and preferences of the user. A method characterized in that the recommended payment method at the store is determined by applying any or all of the information and the information related to the various benefits.

(12) In the payment information providing method described in (11) above,
The recommended payment method determination process is
In the above artificial intelligence model, a method characterized in that the payment method having the highest privilege score is determined as the recommended payment method.

(13) In the payment information providing method described in (10) above,
A method characterized in that the user's payment means is one or more electronic payment means including a payment card, electronic money, mobile payment, and the like.

(14) In the payment information providing method described in (10) above,
The method characterized in that the user preference information includes information on a priority payment means including preferentially using a specific payment means for a specific purpose of use.

(15) In the payment information providing method described in (10) above,
Further, a method characterized by having a priority privilege style determination process for determining an priority privilege style based on the usage history of the payment means of the user.

(16) In the payment information providing method described in (10) above,
A method characterized in that the server acquires and stores various privilege information (privilege information, campaign information, insurance contract information, etc.) associated with a specific store, payment method / product / service, or the like.

(17) In the payment information providing method described in (10) above,
The server is a method characterized in that the use of the payment means by the user is associated with information on when, how much, and what was purchased at which store.

(18) In the payment information providing method described in (10) above,
The privilege information is an insurance privilege attached to an electronic payment means such as a user's card.
The notification process proposes an optimal payment method by comparing the contents of travel insurance, life insurance, damage compensation insurance, and travel benefits when it is determined that the purpose of use of the user is travel. A method characterized by that.

Other features of the invention not described above are disclosed in the following embodiments and drawings.

FIG. 1 is a schematic view showing an overall configuration according to an embodiment of the present invention.

FIG. 2 is also a block diagram of the system.

FIG. 3 is also a conceptual diagram showing a style map.

FIG. 4 is also a flowchart.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

(Outline configuration)
FIG. 1 is a schematic configuration diagram showing a payment information providing system of the present invention.

In the figure, reference numeral 1 indicates an information providing server of this system. When the user 2 visits a specific physical store 3 (or a store (web store) on the Web), the information providing server 1 communicates with the terminal payment application 4 of the user 2 via the Internet to provide products / services. It provides recommended information on the payment method (and privilege information) used for the purchase of.

For example, when the user 2 visits the store 3 of the travel agency, the purpose of the user 2 is determined to be a trip, and the user 2 is used based on the information (preference information, usage history) of the user 2. It is configured to present recommended information regarding the payment means and the privilege information attached to the payment means on the payment application 4.

Then, when the user 2 makes a payment using the recommended payment means, the information is transmitted to the payment provider 5 and the payment is completed.

This will be described in detail below.

(Information providing server)
FIG. 2 is a schematic configuration diagram showing an information providing server 1 according to this embodiment.

The information providing server 1 has an information storage unit 10 and a program storage unit 11 as storage devices connected to a bus 9 to which the input / output interface 6, the memory 7, and the central arithmetic system 8 are connected.

(Information storage unit)
In the information storage unit 10, the definition information 12 for the purpose of shopping, the definition information 13 for the feature value for each purpose of use, the artificial intelligence model 14 for each purpose of use, and the usage information collection in which the usage information of all users is accumulated. A database 15, a payment means information database 16, a store information database 17, a product service information database 18, a privilege information database 19, and a user information database 20 are stored.

(Usage purpose definition information)
The purpose-of-use definition information 12 is information used to specify the purpose of use of the user, and may be, for example, a large category such as "travel" or "hobby", or is associated with the major category. Subdivision For example, when the major division is "travel", subdivisions such as "destination" and "shopping for travel goods" may be defined in association with it.

(Feature value definition information)
The feature value definition information 13 for each purpose of use is a feature applied to the artificial intelligence model 14 when the artificial intelligence model 14 prepared for each specific purpose of use is used for determining a payment method to be described later. Value definition information. For example, when the purpose is "travel", the amount, type (airline ticket, hotel fee, rental car fee, meal fee, etc.), destination (domestic, overseas, etc.) and the like are defined as feature values. Further, it is preferable that different feature values are defined for different purposes of use.

(Artificial intelligence model)
The artificial intelligence model 14 is used to obtain a privilege score when a specific product or service is used at a specific store or the like using a specific payment method with respect to a feature value defined for each purpose of use. It is a built model. This model may be one generated by the payment means selection artificial intelligence unit 22 described later, or may be one that stores an externally generated one.

(Usage information collection database)
The usage information accumulation database 15 is information used when the artificial intelligence model 14 is constructed by the payment method selection artificial intelligence unit 22, which will be described later, and accumulates the past usage information of all members and the usage information acquired from the outside. To do.

(Payment method information database)
In the payment means information database 16, different payment means names, explanations of payment means, and information for acquiring information about the payment means are stored together with the payment means ID. Here, the payment means includes one or more electronic payment means including credit card, electronic money, QR code (registered trademark), mobile payment, etc., and also includes non-electronic payment means such as check and cash. But it's okay.

(Store information database)
In the store information database 17, category information indicating the store name, the location of the store, and the type of service provided by the store is stored together with the store ID. For example, when the store is a travel agency, the category information indicating the type of service corresponds to travel, leisure, and the like.

(Product service information database)
The product / service information database 18 stores information on products and services together with IDs of the products and services. Information about the above service type may be associated with this information.

(Bonus information database)
The privilege information database 19 stores information on various benefits associated with a specific payment means, a store, a product service, a purchase preference of the user's product / service, or a combination thereof.

Here, the various benefits associated with the payment method include not only financial benefits such as cash back and point award, but also travel insurance, affiliated hotels / rental cars, and preferential information such as Renstran in the case of travel benefits. .. In addition, the privilege information of stores, products, and services includes discount / special treatment information that is not associated with a specific payment method, as well as privilege information associated with the specific payment method. In addition, privilege information of a specific product / service may be associated only with a specific store.

Further, in the privilege information database 19, the privilege information is stored in association with any one or a plurality of payment means, store information, product information, and user preference information.

Further, the privilege information database 19 stores information on the privilege score in association with each privilege. Here, the benefit score is defined based on the discount amount or discount rate for discounts, the insurance amount for incidental insurance, and the point value for point grants, and is important even among different benefits. It is defined so that genders can be compared.

(User information database)
The user information database 20 contains user information 20a of individual member users, priority payment means / priority specific information 20b that the user wants to preferentially use, transaction history information 20c, possessed payment means 20d, and important privilege style 20e as user preference information. It is stored. Here, the user preference information is preference information for each user, and includes one specified by the user himself and one determined by the server based on the past product / service purchase history of the user.

The preference information specified by the user is the priority payment means / privilege information 20b described above. Priority payment methods include information on specific payment methods such as specific payment card brands and numbers, as well as payment types such as debit cards and credit cards. It may also include a detailed specification of which payment method you want to use to purchase any service.

Priority privilege information to be emphasized in products and services includes definition of priority among types such as point benefits, cashback benefits, discount benefits, insurance benefits, and the like. For example, in this embodiment, priority items in products and services are defined for each user's privilege usage style. For example, in the case of the point privilege priority style, it is defined as 70% of the point privilege, 10% of the cashback privilege, 10% of the discount privilege, 10% of the insurance privilege point privilege, and the like.

In addition, the user preference information determined by the server based on the user's past purchase history of goods and services is based on which payment method was used for what kind of transaction from the shopping history information of all users in the past. Is clustered, and is the actual important privilege style 20e of the user. This actual priority privilege style may differ from the priority payment means / privilege information specified by the user himself / herself. In this case, it is preferable to configure the priority privilege style to be displayed to the user.

(Program storage)
Further, to explain only the configuration related to the present invention to the program storage unit 11, in addition to the OS (not shown), the user terminal communication unit 21, the payment means selection artificial intelligence unit 22, the purpose of use identification unit 26, and the program storage unit 11 It has a priority privilege style determination unit 27, a preference information acquisition unit 28, and a recommended payment means determination unit 29.

(User terminal communication unit)
The user terminal communication unit 21 connects to the user terminal 2 or the store terminal 3 via the Internet, and acquires the user information and usage information. This communication is a method of linking with the payment application installed on the above user terminal, a method of acquiring through the user interface provided by this system, and a method of connecting using API through an application or website provided by a third party. Etc., but are not particularly limited.

(Payment method selection artificial intelligence department)
The payment means selection artificial intelligence unit 22 provides a function of constructing an artificial intelligence model 14 for determining a payment means and storing it in the information storage unit 10, and is stored in the usage information accumulation database 15. A usage information statistical analysis unit 23 that divides usage information for each purpose of use and analyzes feature values defined according to the purpose of use, and an artificial intelligence model generation unit that generates an artificial intelligence model based on the usage information statistical analysis unit 23. It has 24 and a privilege score calculation unit 25 that calculates a privilege score by applying the feature value to the artificial intelligence model 14.

As described above, the artificial intelligence model 14 calculates the privilege score for each purpose of use and each payment method for each privilege type such as point privilege, cashback privilege, discount privilege, insurance privilege point privilege, and the like. It is stored in the information storage unit 10.

(Purpose of use identification department)
The purpose-of-use specifying unit 26 determines the purpose of use based on which store the user visited and what kind of product was actually put in the cart, and the store information database and the product information database are used. Refer to it and decide on one of the purposes of use defined in the purpose of use definition information.

In this embodiment, which store the user has visited is determined by receiving information for specifying the position of the user and the user or information regarding a visit to a specific store purchase site from the user terminal. However, it may be obtained by another method.

(Emphasis on privilege style decision department)
The priority privilege style determination unit 27 clusters all users based on which payment method was used for what kind of transaction from the usage history information of all users in the past, and determines the actual priority privilege style of the user. It is a thing.

At this time, the important privilege style determination unit 27 provides the latest privilege information, that is, various privilege information (privilege information, campaign information, insurance contract information, etc.) associated with a specific store, payment method / product / service, etc. It is acquired, updated, and stored in the privilege information database 19.

Further, the priority privilege style determination unit 27 displays the priority privilege style on the user terminal when the priority privilege style is different from the priority payment means / privilege information specified by the user himself / herself. ..

(User preference information acquisition department)
Further, the user preference information acquisition unit 28 acquires information on the user's usage style, payment method designation information to be preferentially used, usage history information, and type of payment method to be held as preference information from the user information. ..

(Optimal payment method determination department)
The optimum payment means determination unit 29 includes a feature value identification unit 30, an artificial intelligence model identification unit 31, a privilege score calculation unit 32, and a payment means determination unit 33.

(Characteristic value identification part)
The feature value specifying unit 30 identifies the artificial intelligence model based on the purpose of use specified by the purpose of use specifying unit, and sets a value applied to the artificial intelligence model as the feature value from the user preference information and the product information database. It is something to identify.

(Artificial intelligence model identification part)
The artificial intelligence model specifying unit 31 identifies and acquires the artificial intelligence model specified above.

(Bonus score calculation department)
The privilege score calculation unit 32 calculates the privilege score when the above feature value is applied to the artificial intelligence model for each payment means owned by the user. For example, when the purpose of use is travel, an artificial intelligence model constructed for travel is used, and the feature values specified above are applied to it. As described above, when the purpose of use is "travel", the characteristic values include the amount, type (airline ticket, hotel fee, rental car fee, meal fee, etc.), destination (domestic, overseas, etc.).

As a result, the privilege score for the payment method held by the user is calculated for each type of point privilege, cashback privilege, discount privilege, insurance privilege, and the like.

By doing this for all the payment methods owned by the user, the privilege score of each payment method is calculated.

(Payment method determination department)
By applying the priority privilege style to the privilege score for each type calculated above, the payment means determination unit 33 corrects the privilege score for each type according to the privilege that each user emphasizes. For example, when the user's style is the point privilege priority style and the setting contents are the point privilege 70%, the cashback privilege 10%, the discount privilege 10%, and the insurance privilege point privilege 10%, this ratio is set for each of the above types. It is applied to the privilege style of, and the sum of them is used as the total score score of the payment method.

Then, the payment method having the highest total privilege score is presented as the payment method recommended to the user. At this time, the payment means determining means 33 also displays the privilege information incidental to the payment means 33. The payment method determination means 33 can be set so as not to recommend the payment method based on the privilege to the user (payment method recommendation off), and in that case, the above-determined recommended payment method is presented. Do not do.

Here, if the determined payment method is the same as the payment method designated by the user as the preferred payment method in advance, no particular recommendation is made. On the other hand, when the payment method included in the user's preference information and the determined payment method are different, the privilege score and the recommended payment method are notified together with the privilege information.

(Embodiment)
The detailed configuration of this system will be described below through actual operation.

(Creation of privilege usage style map)
First, the clustering information processing for determining the user-oriented privilege style performed by the usage information statistical analysis unit 23 will be described.

As described above, in this process, from the shopping history information (usage information accumulation database 15) of all users in the past, all users are asked about what kind of payment means having a predetermined type of privilege is used for what kind of transaction. Along with clustering to generate a privilege style map, the actual priority privilege style of the user is determined based on this privilege style map.

Specifically, based on the privilege information (privilege information database 19) given to each payment method, about a specific purpose of use (purpose of use definition information 12) and a specific feature value (definition information of feature value 13). Which payment means (payment means information database 16) is used is totaled. Each payment method has the strength of benefits. Therefore, it is possible to determine what kind of privilege is emphasized depending on which payment method is used in which situation.

FIG. 3 is a conceptual diagram showing the privilege style map.

This map is a two-dimensional map with a feature value 1 on the horizontal axis and a feature value 2 on the vertical axis. This map is provided for each purpose of use and payment method. As mentioned above, each payment method has its own privilege. Therefore, it is possible to know what kind of privilege is emphasized depending on which payment method is used in which situation. For example, when the purpose of use is travel, when a specific payment method has strengths in insurance benefits, or when an unspecified number of users use the payment method for a specific feature value, the feature value is Areas where the use of the payment method is concentrated can be identified as a cluster of insurance benefits.

For example, when the use of the payment method by an unspecified number of users is accumulated in the area indicated by "cluster 1" in the figure, the users who use this payment method in this cluster area (cluster 1) place importance on insurance benefits. It can be said that it is doing.

What is shown by "cluster 2" in this figure shows a cluster area by different payment means. In practice, as shown in this figure, clusters for different payment methods do not have to be represented on the same map, but they are shown for convenience of explanation. For example, when a specific payment method is "point-oriented" and the use of this payment method for a specific feature value by an unspecified number of users is concentrated in this cluster area (cluster 2), For a specific purpose of use, the use in this "cluster 2" is in the style of emphasizing the point.

The style map created in this way is associated with the usage purpose (use purpose definition information 12), feature value (feature value definition information 13), and payment means (payment means information database 16) in the usage information accumulation database. Stored.

(Determination of important privilege style)
The priority privilege style determination unit 27 determines the actual priority privilege style of the user from the privilege style map and the past usage history information of the specific user, that is, the privilege usage style of each user is determined by this user. By comparing the past usage history with the above map, it is determined depending on which cluster the user belongs to.

Specifically, the privilege usage style is determined based on which cluster the past usage history belongs to and in what proportion. For example, it is determined that the point privilege is 70%, the cashback privilege is 10%, the discount privilege is 10%, the insurance privilege point privilege is 10%, and the like. In this case, the privilege of this user is a point-oriented style. The privilege-oriented style determined in this way is stored in the information storage unit 10 as the user information 20 of the user (important privilege style 20e).

In this embodiment, the priority privilege style determination unit 27 displays the privilege-oriented style determined above to the user, and allows the user to set and change the style. For example, the user can adjust the numerical values of the point privilege 70%, the cashback privilege 10%, the discount privilege 10%, and the insurance privilege point privilege 10% determined above. The changed value is overwritten as the updated priority privilege style 20e.

(Artificial intelligence model construction)
The payment means selection artificial intelligence unit 22 builds the artificial intelligence model 14.

That is, as described above, the artificial intelligence model 14 obtains a privilege score when a specific payment method is used with respect to a feature value defined for each purpose of use, payment method, store, and product. It is a model built for. Here, the artificial intelligence model 14 constructs artificial intelligence for calculating a privilege score on the grid intersection of feature values for each payment means, store, and product according to the purpose of use.

For example, when the purpose of use is "travel", feature values defined for travel, such as "amount", "type", and "destination", are defined as feature values, and two or three of these are defined as feature values. It is defined for each axis of the matrix grid as shown in FIG. 3, and an artificial intelligence model for calculating the privilege score is constructed at the intersection.

In this embodiment, the artificial intelligence model is provided for each purpose of use, payment method, store, and product, and the privilege score (0 to 0) is based on the frequency and amount of which privilege was used from the user's past usage information. 1) is required. This benefit score is the frequency or expected frequency of actually using the benefit or the actual profitability of the benefit when the product or service is purchased using a specific payment method at a specific feature value (intersection of the grid). It is an evaluation value calculated based on.

For example, if the purpose of use is travel and the benefit is insurance, an artificial intelligence model will be built that calculates the actual frequency of use of insurance based on the destination, amount, and type of travel by converting it into points (0 to 1). Will be done. In addition, when the purpose of use is travel and the privilege is cash back, an artificial intelligence model is constructed in which the amount of cash actually returned and the evaluation value based on the conditions are converted into points (0 to 1) and calculated. .. In the case of a payment method with a plurality of benefits, a similar artificial intelligence model is constructed for the other benefits. It should be noted that one artificial intelligence model may be used to calculate a plurality of evaluation values (privilege scores), or one score may be calculated across a plurality of benefits.

In addition, if the benefits are determined by the combination of a specific payment method and a specific store or product, an artificial intelligence model may be constructed for each combination, and the above stores or products may be used for a specific payment method. It may be treated as a feature value.

In this embodiment, the artificial intelligence model as described above is constructed in each of the grids for each purpose of use and stored in the information storage unit 10 (artificial intelligence model 14).

(Acquisition of purpose of use)
Hereinafter, a case where a user actually visits a store and actually purchases a product or service will be described as an example.

When the user visits a store, the purpose-of-use identification unit 26 detects which store the user visited and what kind of product was actually added to the cart, and searches the store information database 17 and the product information database 18. With reference to it, it is determined to be one of the purposes of use defined in the purpose of use definition information (step S1).

In this embodiment, which store the user has visited is determined from the information that identifies the user and the user's position (GPS information of the mobile terminal, store location information, etc.) or a visit to a specific store purchase site from the user terminal. Determined by receiving information about (domain, IP address, etc.). However, it may be obtained by another method. In addition, the information on which product is put in the cart is obtained by reading from the barcode or ID tag attached to the product.

(Acquisition of user preference information)
Next, from the user information 20 stored in the information storage unit 10, the user preference information acquisition unit 28 selects the payment means / privilege information 20b, the usage history information 20c, and the type of payment means to be held by the user. The information 20d and the important privilege style 20e are acquired as preference information (step S2).

(Specification of artificial intelligence model and feature values to be used)
Next, the artificial intelligence model identification unit 31 of the optimum payment means determination unit 29 uses the artificial intelligence model to be used based on the specified purpose of use, store, product / service, user preference information, and payment means owned by the user. At the same time, the feature value specifying unit 30 extracts the feature value related to the purchase from the product information database and the purchase information, and specifies the value to be applied to the artificial intelligence model (step S3).

(Calculation of privilege score)
Next, when the privilege score calculation unit 32 applies the specified feature value to the artificial intelligence model 14, the privilege score calculated by the artificial intelligence on the grid is calculated for each payment means owned by the user. (Step S4). For example, when the purpose of use is travel, an artificial intelligence model constructed for travel is used, and the feature values specified above are applied to it. As described above, when the purpose of use is "travel", the characteristic values include the amount, type (airline ticket, hotel fee, rental car fee, meal fee, etc.), destination (domestic, overseas, etc.). In addition, the purpose of use may be calculated in more detail for each store or service category (only when the artificial intelligence model is configured to correspond to it).

As a result, the privilege score for each payment method owned by the user and available at each store is calculated for each type of point privilege, cashback privilege, discount privilege, insurance privilege, and the like.

As a result, the privilege score according to the purpose of use is calculated for all the payment methods owned by the user.

(Determination of payment method)
The payment method determination unit 33 applies the priority privilege style acquired as the user preference information to the payment method and the privilege score for each privilege calculated above, and by applying the priority privilege style acquired as the user preference information, for each type according to the privilege to be emphasized by each user. The privilege score of is corrected (step S5). For example, when the user's style is the point privilege priority style and the setting contents are the point privilege 70%, the cashback privilege 10%, the discount privilege 10%, and the insurance privilege point privilege 10%, this ratio is set for each of the above types. It is applied to the privilege style of, and the sum of them is used as the total score score of the payment method.

Then, the payment method having the highest total privilege score is presented as the payment method recommended to the user. At this time, the payment means determining means 33 also displays the privilege information incidental to the payment means 33. The payment method determination means 33 can be set so as not to recommend the payment method based on the privilege to the user (payment method recommendation off), and in that case, the above-determined recommended payment method is presented. Do not do.

Further, when the determined payment means is the priority payment means stored in the user information, no particular recommendation may be made. However, even in this case, it is preferable to display the privilege information corresponding to the above-mentioned purpose of use incidental to this payment means. That is, when the priority payment means included in the user information and the determined payment means are different, the privilege score and the recommended payment means are notified together with the privilege information.

This makes it possible to present a payment method that provides the user with the optimum benefits.

Although one embodiment of the present invention has been described above, the present invention is not limited to this, and various modifications can be made without changing the gist of the invention.

For example, in the above embodiment, a style map is created by clustering the transaction history of all users in order to obtain the user's important privilege style, and the style map is obtained using this map, but the present invention is not limited to this. No. For example, an existing style map may be used. In addition, the user may use the important privilege style set by himself / herself.

Further, in the above embodiment, the privilege score is calculated using the artificial intelligence model, and the recommended payment means is determined by comparing the privilege score between the payment means, but the present invention is not limited to this. For example, instead of using the artificial intelligence model, the privilege score may be obtained by a function that uses a feature value as an input value.

1 ... Information providing server 2 ... User (user terminal)
3 ... Store (store terminal)
4 ... Payment application 6 ... Input / output interface 7 ... Memory 8 ... Central computing system 9 ... Bus 10 ... Information storage 11 ... Program storage 12 ... Purpose of use Definition information 13 ... Feature value definition information 14 ... Artificial intelligence model 15 ... Usage information accumulation database 16 ... Payment method information database 17 ... Store information database 18 ... Product service information database 19. .. Benefit information database 20 ... User information database 20a ... Personal information 20b ... Priority payment method / priority specific information 20c ... Transaction history information 20d ... Owned payment method 21 ... User terminal communication Department 22 ... Payment method selection Artificial intelligence department 23 ... Usage information statistical analysis department 24 ... Artificial intelligence model generation department 25 ... Bonus score calculation department 26 ... Purpose of use identification department 27 ... Emphasis Bonus style determination unit 28 ... User preference information acquisition unit 28 ... Emphasis on privilege style determination unit 29 ... Optimal payment method selection unit 30 ... Feature value identification unit 31 ... Artificial intelligence model identification unit 32. .. Bonus score calculation department 33 ... Payment method determination department

Claims (18)

It is a payment information providing system
Equipped with a server that communicates with the user's terminal when the user visits a specific store and provides information on the purchase of goods and services.
This server
Information on the user's payment method, information on a specific store, information on a specific product or service, information on a specific payment method or store or product service or various benefits associated with a combination thereof, purchase of the user's product or service. Information storage means for storing information about tastes,
Use of the user when it is determined that the user has visited the store or the online site of the store after receiving information for specifying the position of the user and the user or information regarding a visit to a specific store purchase site from the user terminal. Means to determine the purpose and
Based on the purpose of use of the user, the information of the store, the preference information of the user, and the information related to the various benefits, the recommended payment method at the store is determined from the payment means of the user and notified to the user terminal. Recommended payment method determination method and
A payment information providing system characterized by having. In the payment information system according to claim 1,
The recommended payment means determining means acquires an artificial intelligence model for the purpose of use based on the purpose of use of the user, and the artificial intelligence model includes information on the store, information on products to be purchased, and preferences of the user. A system characterized in that the recommended payment method at the store is determined by applying any or all of the information and the information related to the various benefits. In the payment information system according to claim 2,
The recommended payment method determination unit
In the above artificial intelligence model, a system characterized in that the payment method having the highest privilege score is determined as the recommended payment method. In the payment information providing system according to claim 1,
A payment information providing system characterized in that the user's payment means is one or more electronic payment means including a payment card, electronic money, mobile payment, and the like. In the payment information providing system according to claim 1,
The payment information providing system is characterized in that the user preference information includes information on a priority payment means including preferentially using a specific payment means for a specific purpose of use. In the payment information providing system according to claim 1,
Further, a payment information providing system characterized by having an important privilege style determining means for determining an important privilege style based on the usage history of the payment means of the user. In the payment information providing system according to claim 1,
The server acquires and stores various privilege information (privilege information, campaign information, insurance contract information, etc.) associated with a specific store, payment method / product / service, etc. Offering system. In the payment information providing system according to claim 1,
The server is a system characterized in that the use of the payment means by the user is associated with information on when, how much, and what was purchased at which store. In the payment information providing system according to claim 1,
The privilege information is an insurance privilege attached to an electronic payment means such as a user's card.
The notification means proposes the most suitable payment method by comparing the contents of travel insurance, life insurance, damage compensation insurance, and travel benefits when it is determined that the purpose of use of the user is travel. A system characterized by that. It is a payment information provision method
Equipped with a server that communicates with the user's terminal when the user visits a specific store and provides information on the purchase of goods and services.
This server
Information on the user's payment method, information on a specific store, information on a specific product or service, information on a specific payment method or store or product service or various benefits associated with a combination thereof, purchase of the user's product or service. Information storage process for storing information about tastes,
Use of the user when it is determined that the user has visited the store or the online site of the store after receiving information for specifying the position of the user and the user or information regarding a visit to a specific store purchase site from the user terminal. The process of determining the purpose and
Based on the purpose of use of the user, the information of the store, the preference information of the user, and the information related to the various benefits, the recommended payment method at the store is determined from the payment means of the user and notified to the user terminal. Recommended payment method determination process and
A payment information providing method characterized by having. In the payment information providing method according to claim 10,
In the recommended payment means determination process, an artificial intelligence model for the purpose of use is acquired based on the purpose of use of the user, and the artificial intelligence model includes information on the store, information on products to be purchased, and preferences of the user. A method characterized in that the recommended payment method at the store is determined by applying any or all of the information and the information related to the various benefits. In the payment information providing method according to claim 11,
The recommended payment method determination process is
In the above artificial intelligence model, a method characterized in that the payment method having the highest privilege score is determined as the recommended payment method. In the payment information providing method according to claim 10,
A method characterized in that the user's payment means is one or more electronic payment means including a payment card, electronic money, mobile payment, and the like. In the payment information providing method according to claim 10,
The method characterized in that the user preference information includes information on a priority payment means including preferentially using a specific payment means for a specific purpose of use. In the payment information providing method according to claim 10,
Further, a method characterized by having a priority privilege style determination process for determining an priority privilege style based on the usage history of the payment means of the user. In the payment information providing method according to claim 10,
A method characterized in that the server acquires and stores various privilege information (privilege information, campaign information, insurance contract information, etc.) associated with a specific store, payment method / product / service, or the like. In the payment information providing method according to claim 10,
The server is a method characterized in that the use of the payment means by the user is associated with information on when, how much, and what was purchased at which store. In the payment information providing method according to claim 10,
The privilege information is an insurance privilege attached to an electronic payment means such as a user's card.
The notification process proposes an optimal payment method by comparing the contents of travel insurance, life insurance, damage compensation insurance, and travel benefits when it is determined that the purpose of use of the user is travel. A method characterized by that.

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