JP2021149658A - Selection unit, method for selection, and selection program - Google Patents

Abstract

To provide a selection unit, a method for selection, and a selection program which can increase the convenience of a user in future payment settlement means.SOLUTION: An information processor 10 as a selection unit includes: an acquisition unit for acquiring the history of usage of future payment settlement means by a user; and a selection unit for selecting a usage history as a target of change of a payment manner of the usage histories so that a payment amount satisfies a predetermined condition. The method for selection presents the usage history selected by the selection unit to a user, and changes the payment manner in the usage history if an operation to change the payment manner in the usage history is done.SELECTED DRAWING: Figure 3

Description

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

Conventionally, various technologies have been proposed in order to make it convenient for users to purchase transactions. As an example of such technology, a service of a postpaid payment method (hereinafter collectively referred to as "deferred payment method") for paying the usage fee later, such as a credit card or a charge card provided electronically or as an article, is provided. Has been done.

In such postpaid payment methods, there are various payment methods such as lump-sum payment that pays the usage fee in a lump sum, installment payment that pays the usage fee in installments, revolving payment that pays the usage fee of a predetermined amount every month, and bonus payment that extends the payment date to a predetermined date and time. It is possible to pay the usage fee in the payment mode. Further, as an example of such a postpaid payment means, a technique for changing a payment mode selected at the time of purchase of a transaction target is known.

Japanese Patent No. 6347471

"Revolving credit | Credit card is Epos Card" Internet Reiwa March 5, 1st search <https://www.eposcard.co.jp/revo/change.html>

However, with the above-mentioned technology, there is room for improving the convenience of the user.

For example, in the above-mentioned technology, the payment amount and the like are displayed for each payment using a credit card (hereinafter, may be collectively referred to as "details"), and the user specifies the details to be changed in the payment mode. To accept. For this reason, when there are many details to be changed in the payment mode, it takes time and effort to select the payment mode, and it is not possible to promote the use of installment payments, revolving payments, and the like.

The present application has been made in view of the above, and an object of the present application is to improve the convenience of the user in the postpaid payment means.

The selection device according to the present application includes an acquisition unit that acquires the usage history of the postpaid payment means by the user, and the usage history of the usage history to which the payment mode is changed so that the payment amount satisfies a predetermined condition. It is characterized by having a selection unit to be selected.

According to one aspect of the embodiment, it is possible to improve the convenience of the user in the postpaid payment means.

FIG. 1 is a diagram showing an example of processing executed by the information providing device according to the embodiment. FIG. 2 is a diagram showing an example of details of the content provided by the information providing device according to the embodiment. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. FIG. 4 is a diagram showing an example of information registered in the usage statement database according to the embodiment. FIG. 5 is a diagram showing an example of information registered in the user information database according to the embodiment. FIG. 6 is a flowchart showing an example of a flow of processing executed by the information providing device according to the embodiment. FIG. 7 is a diagram showing an example of a hardware configuration.

Hereinafter, a selection device according to the present application, a selection method, and a mode for carrying out the selection program (hereinafter, referred to as “embodiment”) will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the selection device, selection method, and selection program according to the present application. In addition, each embodiment can be appropriately combined as long as the processing contents do not contradict each other. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate description is omitted.

[1. Information provider]
First, with reference to FIG. 1, an example of processing executed by the information providing device 10 which is an example of the selection device will be described. FIG. 1 is a diagram showing an example of processing executed by the information providing device according to the embodiment. FIG. 1 describes, as an example of the process executed by the information providing device 10, an example of a process of changing the payment mode of payment after the fact when the user U makes various payments using the postpaid payment means. bottom. Further, FIG. 1 describes an example of a selection process in which the information providing device 10 selects a target for changing the payment mode of payment.

[1-1. Overview of information providing equipment]
As shown in FIG. 1, the information providing system 1 includes an information providing device 10 and a terminal device 100. The information providing system 1 may have a plurality of information providing devices 10 and terminal devices 100. Further, the information providing system 1 does not have to have the terminal device 100. Further, the information providing device 10 can communicate with an arbitrary number of terminal devices 100.

The information providing device 10 is an information processing device capable of communicating with various devices via a predetermined network N (for example, see FIG. 3) such as the Internet, and is realized by, for example, a server device or a cloud system. NS. For example, the information providing device 10 can communicate with the terminal device 100 via the network N. In the example shown in FIG. 1, the processing when the information providing device 10 manages various postpaid payment means is described, but the embodiment is not limited to this. For example, the information providing device 10 may realize various processes described later by communicating with a payment server 200 (for example, see FIG. 3) that provides various services related to the postpaid payment means.

The terminal device 100 is a smart device such as a smartphone or tablet, and is a mobile terminal device capable of communicating with an arbitrary server device via a wireless communication network such as 3G (Generation) or LTE (Long Term Evolution). .. Further, the terminal device 100 is a screen such as a liquid crystal display and has a screen having a touch panel function, and the user can tap, slide, scroll, and display data such as contents by using a finger or a stylus. Various operations may be accepted. The terminal device 100 may be an information processing device such as a PC (Personal Computer).

[1-2. About postpaid payment method]
Here, the information providing device 10 provides the user with services related to various postpaid payment means. For example, the information providing device 10 provides a payment service using a credit card as a postpaid payment means. In this case, the user U pays for goods and services using a credit card issued in advance. In such a case, the information providing device 10 acquires the payment amount (settlement amount), the information of the payment destination store, the payment date and time, and the like. Then, the information providing device 10 aggregates the payment amounts made using the credit card during a predetermined period (for example, January), and bills the user U for the aggregated result as the total payment amount. Is processed.

In the following description, the selection process executed in such a payment means using a credit card will be described, but the embodiment is not limited to this. That is, the postpaid payment method is not limited to the payment service using a credit card. For example, the information providing device 10 performs user authentication using an IC chip, face authentication, ecological authentication, or other user authentication instead of a credit card, and realizes postpaid payment when the authentication is performed. The selection process described later may be executed for the service.

That is, in the information providing device 10, when the user makes a payment, the user does not give or receive the asset to the payee, the postpaid payment service gives or receives the asset to the payee, and the user gives or receives the postpaid settlement service. As long as it is a service in which assets are transferred to and from the service, the selection process described later may be performed for the service related to any postpaid payment method.

[1-3. Payment mode]
Here, in the postpaid payment means, the payment amount, the payment date and time, the payment mode, and the like are managed as one item for each payment act. Then, the information providing device 10 can set and change the payment mode for the settlement for each item at the time of settlement or after the fact. For example, the information providing device 10 can accept a setting of a payment mode such as payment in a lump sum, payment in installments, or payment in a lump sum at a predetermined date and time (so-called bonus lump sum payment). In addition, the payment by installment includes revolving payment in which the payment amount set in advance by the user is paid monthly, in addition to the installment payment in which the payment amount is divided by a predetermined number of times or a number set by the user.

For example, at the time of payment, the user makes a payment in a predetermined mode or a selected mode among these various payment modes. Then, the information providing device 10 accepts a change in the payment mode from the user within a predetermined period after the payment is made (for example, until the day before the payment amount determination date in the month following the payment date and time). Then, the information providing device 10 calculates the billing amount to the user based on the payment amount and the payment mode for each item.

[1-4. About the outline of the selection process]
Here, in the postpaid payment means, there is a request to change the payment mode after the fact. However, in the prior art, it is necessary for the user to repeatedly execute a process of selecting a item to be paid and changing the payment mode of the selected item, which is troublesome. It is also conceivable to change a part of the total payment amount set by the user to installment payment or revolving payment in a certain month. However, such a method makes it unclear which item has become which payment mode, and cannot be said to provide a postpaid payment method that is easy to understand.

Therefore, the information providing device 10 executes the following selection process. First, the information providing device 10 acquires the usage history (for example, each item) of the postpaid payment means by the user. Then, the information providing device 10 selects a usage history to be changed in the payment mode from the usage history so that the payment amount satisfies a predetermined condition.

For example, the information providing device 10 receives from the user the setting of the upper limit of the total payment amount (hereinafter, referred to as "total payment amount") of the details for which the payment mode is changed to revolving payment. In such a case, the information providing device 10 automatically selects the details to be revolving payment from the details so that the total payment amount is equal to or less than the upper limit, and presents the selected details to the user. If the user agrees, the payment mode of the automatically selected item is changed to revolving payment. On the other hand, the information providing device 10 performs an operation of manually changing the payment mode from the user, for example, when the user newly selects a detail for which the payment mode is changed, or automatically selects the details. When changing to another item, the payment mode of the item newly selected by the user or the other item is changed to revolving payment.

In this way, the information providing device 10 automatically selects the details for which the payment mode is changed. As a result of such processing, the information providing device 10 can promote the use of the postpaid payment means as a result of facilitating the change of the payment mode.

[1-5. About an example of selection process]
Hereinafter, an example of the notification process executed by the information providing device 10 will be described with reference to FIG. For example, the information providing device 10 provides the terminal device 100 with the modified content C10 for changing the payment mode of the details in response to a request from the user (step S1). In such a case, the terminal device 100 displays the changed content C10. Then, the terminal device 100 accepts the setting of the revolving payment change amount via the change content C10 (step S1).

For example, in the example shown in FIG. 1, in the changed content C10, the total payment amount of the details to be billed in a certain month, that is, the total payment amount C11 which is the billing amount to the user U, and the settlement of the details to be revolving payment It includes a slider C12 for setting an upper limit of the total amount (hereinafter, referred to as "change upper limit amount"), and a set change upper limit amount C13. The user U changes the slider C12 to set the upper limit of the change.

For example, when the user U slides the slider C12, the terminal device 100 changes the change upper limit amount C13 according to the slide amount, and changes the total payment amount C11 displayed on the total payment amount C11 to the same amount as the change upper limit amount. Change the total payment amount to C11 when the total payment amount is revolving payment. For example, in the terminal device 100, when the total settlement amount of the details to be paid in a certain month is 150,000 yen and the monthly revolving payment is set to 10,000 yen, the maximum change amount is 50,000 yen. If set to, 110,000 yen or 100,000 yen will be displayed as the total payment amount C11 for the month, depending on the time when deferred payment is set. By displaying such changed content C10, the user U can set the maximum change amount based on the total payment amount in a certain month.

Subsequently, the terminal device 100 notifies the information providing device 10 of the change upper limit amount (step S3). In such a case, the terminal device 100 selects the details to be changed to revolving payment so that the total payment amount is equal to or less than the change upper limit amount (step S4). That is, the terminal device 100 newly selects the details to be revolving payment. For example, in the example shown in FIG. 1, the upper limit of change is set to 40,000 yen. In such a case, the information providing device 10 sorts the payment amount of the details in descending order, and selects the details so that the total payment amount is 40,000 yen or less in order from the highest payment amount. Further, the information providing device 10 sorts the payment amounts of the details in ascending order, and selects the details so that the total payment amount is 40,000 yen or less in order from the lowest payment amount. Then, the information providing device 10 selects the details so that the total payment amount is 40,000 yen or less in order from the highest payment amount, and the total payment amount is 40,000 yen or less in order from the lowest payment amount. Compare the total amount of payment with the case where the item is selected in, and identify the one that is closer to the maximum change amount.

Then, the information providing device 10 generates the billing amount when the specified details are changed to revolving payment and the detail contents C20 indicating the specified details, and provides the generated detail contents C20 to the terminal device 100 (step S5). ). For example, in the example shown in FIG. 1, the terminal device 100 displays the total payment amount C21 when the automatically selected item is revolving payment, and the item content C20 including the items C22 to C24 to be paid. Further, the terminal device 100 displays the details C22 and C23 to be changed to the revolving payment in a mode different from that of the other details C24. In addition, the terminal device 100 may indicate the details C22 and C23 to be changed to the revolving payment by characters or the like.

If the revolving payment is changed for each item, it cannot be said that the total settlement amount of the item to be changed will be the same as the maximum amount of change. As a result, the total payment amount C21 displayed in the detailed content C20 may have a different value from the total payment amount C11 displayed in the modified content C10.

Then, when the user U performs a predetermined operation indicating permission for changing the payment mode, the terminal device 100 notifies the information providing device 10 of the user's permission. In such a case, the information providing device 10 executes the billing process while reflecting the selection result (step S8). For example, the information providing device 10 changes the payment mode of the details selected in step S4 to revolving payment. Then, the information providing device 10 executes various billing processes for the user at a predetermined processing date and time. Regarding such billing processing, it is assumed that various known techniques related to postpaid settlement means can be adopted, and the description thereof will be omitted.

In this way, the information providing device 10 automatically selects, among the details, the details for which the payment mode is changed to revolving payment so that the total payment amount satisfies a predetermined condition. As a result of such processing, the information providing device 10 can easily change the payment mode in a manner that is easy for the user U to understand, and can promote the use of the postpaid payment means.

[1-6. About various settings]
If the permission of the user U is not obtained, the information providing device 10 provides the changed content C10 to the user again and accepts the resetting of the upper limit of the change. Then, based on the change upper limit set again, the details to be changed to revolving payment will be reselected.

For example, FIG. 2 is a diagram showing an example of details of the content provided by the information providing device according to the embodiment. For example, in the example shown in FIG. 2, in the changed content C10, in addition to the total payment amount C11, the slider C12, and the change upper limit amount C13, the graph C14 showing the transition of the payment amount allocated to the revolving payment in each month, the revolving payment. The set amount C15 of the revolving payment and the slider C16 for changing the set amount C15 of the revolving payment are provided. Based on such various information, the user U sets the upper limit of change and the set amount C15 of revolving payment.

Here, the set amount C15 is a payment amount appropriated for monthly revolving payment. For example, the user U changes the set amount C15 by changing the slider C16. That is, the user U sets an upper limit of the total amount of the settlement amount of the details for which the payment mode is newly changed to the revolving payment, separately from the set amount of the revolving payment. The details selected based on the value of such a change upper limit amount are subject to new revolving payment, and the payment amount indicated by the set amount C15 is applied every month. Further, by such various settings, a new revolving payment target is selected, and the detailed content C20 showing the selection result is provided. Then, the user U refers to the detailed content C20 and resets the revolving payment setting amount and the change upper limit amount again.

In the examples shown in FIGS. 1 and 2, the total payment amount is changed as a result of changing the change upper limit amount by operating the slider C12. Therefore, the information providing device 10 accepts the setting of the change upper limit amount or the total payment amount by providing the changed content C10, and selects the details to be changed to the revolving payment so as to satisfy the accepted setting. Can be done.

The information providing device 10 may accept a change in the maximum change amount or the total payment amount depending on the content other than the slider C12. For example, the information providing device 10 may display a slider C12 that accepts a change in the change upper limit amount or the total payment amount in units of 1,000 yen or 10,000 yen. Further, the information providing device 10 may display the content that accepts the change of the unit of the amount that is changed when the slider C12 is operated. By operating such contents, the terminal device 100 may change the unit of the amount to be changed when the slider C12 is operated. Further, the terminal device 100 may accept a change in the maximum change amount or the total payment amount by inputting a character string such as "30,000 yen".

In the above-mentioned example, the process for setting or resetting the change upper limit amount via the change content C10 is described. However, the embodiment is not limited to this. For example, when the user selects any of the details displayed in the detail content C20, the information providing device 10 indicates the details of the payment corresponding to the selected details or changes the payment mode. The content for accepting the payment mode may be displayed, and the change of the payment mode may be accepted through the content. Further, the information providing device 10 may accept a change in the payment mode directly from the detail content C20 (that is, a billing statement), or may accept a change in the change upper limit amount in the detail content C20.

[1-7. Payment mode]
In the above-described example, the information providing device 10 selects the details to be changed to revolving payment from the details. However, the embodiment is not limited to this. For example, the information providing device 10 may select the details to be changed to the bonus lump sum payment instead of the revolving payment, or may select the details to be changed to the predetermined number of installments. For example, even if the information providing device 10 selects the details to be paid in installments so as to be equal to or less than the change upper limit set by the user when the user also specifies the number of installments. good.

Further, the information providing device 10 may consider the constraint conditions for the details to be selected. For example, the information providing device 10 may select a detail to be changed to revolving payment or other various installment payments from the details for which lump-sum payment is set. Further, the information providing device 10 may select a detail to be changed to revolving payment from the details for which various installment payments are selected at the time of settlement, and may select, for example, a detail to be changed to lump-sum payment.

In addition, the information providing device 10 has accepted the upper limit of the total settlement amount of the details to be changed to revolving payment as the change upper limit amount. However, the embodiment is not limited to this. For example, when the information providing device 10 receives the upper limit of the total payment amount for a certain month, the information providing device 10 may select the details to be changed to the installment payment such as revolving payment so that the total payment amount is equal to or less than the upper limit amount. That is, the information providing device 10 selects a detail to be changed in the payment mode from the details billed to the user on the predetermined date and time so that the total payment amount on the predetermined date and time satisfies the predetermined condition. You may. For example, in the information providing device 10, if the total payment amount in a certain month is 150,000 yen, the set amount of revolving payment is 20,000 yen, and the upper limit of the total payment amount is 100,000 yen, the payment amount is set. You may select the details to be revolving payment so that the total amount is 80,000 yen or more.

The information providing device 10 does not need to select the details so as to match the various upper limit amounts. For example, the information providing device 10 may select the details so that the difference from the change upper limit is within a few percent, and selects a predetermined number of details within the range where the change upper limit is not satisfied. You may. Further, the information providing device 10 may select a predetermined number of items so that the total payment amount is equal to or less than the specified amount, and the difference between the specified amount and the actual total payment amount is within a predetermined range. The details may be selected so as to fit in.

[1-8. About setting timing]
Further, the information providing device 10 may accept the setting of the change upper limit amount and the upper limit amount of the total payment amount (hereinafter collectively referred to as "upper limit amount") at an arbitrary timing. For example, the information providing device 10 may accept various upper limit amounts every month, or may use the upper limit amount set in the previous month as it is. Further, the information providing device 10 may notify the user to set the upper limit amount at a predetermined timing when the date and time when the total payment amount is determined is approaching.

[1-9. About the selected item]
In the above example, the information providing device 10 selects the details so that the total payment amount is within the change upper limit in order from the highest payment amount, and the total payment amount is within the change upper limit in order from the lowest payment amount. We compared the total amount of payment with the case where the details were selected so that the amount closer to the maximum change amount was adopted. However, the embodiment is not limited to this. For example, the information providing device 10 may select the details in a brute force manner, and select the details to be changed so that the total settlement amount of the details to be changed is closest to the upper limit of the change.

Further, the information providing device 10 may select the details to be changed based on various upper limits such as various information about the user and the contents of the details. For example, the information providing device 10 may select the details according to the demographic attribute and the psychographic attribute of the user. For example, in the information providing device 10, when the user is a man in his twenties, the man in his twenties wants to make a payment in installments (for example, a statement with a high payment amount or a high-class restaurant). You may estimate the details related to the settlement) and select the estimated settlement as the target of the revolving payment. Further, when the user is a man in his 60s, the information providing device 10 estimates and estimates a payment (for example, a statement regarding travel payment) that the man in his 60s wants to make a payment in installments. Payments may be selected for revolving payments. In addition, the information providing device 10 changes the details presumed that the man in his 60s does not want to make the revolving payment from the revolving payment to the lump sum payment when the user is a man in his 60s. May be selected as. In such processing, for example, the attribute of the user is associated with the content of the payment corresponding to the attribute (for example, the payment amount, the transaction target to be settled, the type of facility that made the payment, etc.) in advance. It is feasible.

In addition, the information providing device 10 may select details for changing the payment mode according to the type of transaction target or facility to be settled. For example, the information providing device 10 may preferentially select payment for a predetermined type of transaction target such as travel or purchase of jewelry.

Further, the information providing device 10 may select the details to be changed in the payment mode based on the change history of the payment mode by the user. For example, when the information providing device 10 selects a detail to be changed to revolving payment, the information providing device 10 specifies a history of details that the user has made revolving payment in the past and a history of details that have been paid in installments a predetermined number of times or more. Then, the information providing device 10 may select a detail whose payment amount and the type of transaction target or facility to be settled are similar to the specified detail.

Further, the information providing device 10 causes the model to learn the history of the details that the user has made revolving payments in the past, the settlement amount of the details that have been paid in installments more than a predetermined number of times, and the type of transaction target or facility as the characteristics of the details. You may. In such a case, the information providing device 10 may use the trained model to identify the details that are likely to be revolving payment by the user, and select the specified details as the details to be changed to revolving payment. good.

In addition to the above-mentioned features, for example, a detailed item for changing the payment mode may be selected based on the timing when the user makes a payment, the location of the facility where the user makes a payment, and the like. Further, the information providing device 10 estimates the state of the user (for example, whether he / she is traveling, etc.) at the time of making a payment as a predetermined state from various information of the details that the user has made revolving payment in the past. Similarly, the information providing device 10 estimates the state of the user when the payment mode is settled, and the details whose estimated state is similar to the predetermined state can be changed for revolving payment. good. That is, the information providing device 10 changes the payment mode for details related to payment in a context similar to various contexts related to payment that the user has made revolving payment in the past (for example, the context of the payment itself or the context of the user). May be.

Further, the information providing device 10 may select a detail to be changed in the payment mode from the above details based on the information about another user similar to the user. For example, the information providing device 10 identifies a second user whose attribute information is similar to that of the first user, and uses the feature of the details that the second user has made revolving payment in the past as a reference feature. Then, the information providing device 10 may select the details of the first user whose features are similar to the reference features as the details for changing to revolving payment.

[2. Configuration of information providing device]
Hereinafter, an example of the functional configuration of the information providing device 10 described above will be described. FIG. 3 is a diagram showing a configuration example of the information providing device according to the embodiment. As shown in FIG. 3, the information providing device 10 includes a communication unit 20, a storage unit 30, and a control unit 40.

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

The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. In addition, the storage unit 30 stores the usage details database 31 and the user information database 32.

Details related to payment by each user are registered in the usage statement database 31. For example, FIG. 4 is a diagram showing an example of information registered in the usage statement database according to the embodiment. As shown in FIG. 4, the usage statement database 31 contains items such as "payment month", "user ID (Identifier)", "payment date and time", "store used", "payment mode", and "payment amount". The information you have is registered.

Here, the "settlement month" is information indicating the month in which the settlement was made by the postpaid settlement means. Further, the "user ID (Identifier)" is an identifier for identifying a user. The "settlement date and time" is information indicating the date and time when the settlement was made. In addition, the "use store" is information indicating various facilities for which payment has been made. The "payment mode" is information indicating the current payment mode. The "payment amount" is the amount of payment by the postpaid payment means. The combination of "payment month", "user ID", "payment date and time", "store used", "payment mode" and "payment amount" corresponds to the above-mentioned "details". In addition to the items shown in FIG. 4, various information related to the details may be registered in the usage details database 31. Further, the information shown in FIG. 4 is merely an example or conceptual information, and various arbitrary types of information may be registered in the usage statement database 31.

Various information about the user, such as various attributes of each user, is registered in the user information database 32. For example, FIG. 5 is a diagram showing an example of information registered in the user information database according to the embodiment. As shown in FIG. 5, information having items such as "user ID", "gender", "age", and "payment history information" is registered in the user information database 32.

Here, the "gender", "age", and "address" are information indicating demographic attributes such as the user's gender, age, and address indicated by the user ID. Further, the "payment history information" is a history in which the user indicated by the user ID makes a payment by a postpaid payment means, and is a history of each item associated with the user ID. In addition to the items shown in FIG. 5, various information about the user may be registered in the user information database 32. Further, the information shown in FIG. 5 is merely an example or conceptual information, and information in various arbitrary formats may be registered in the user information database 32.

Returning to FIG. 3, the explanation will be continued. The control unit 40 is a controller, and for example, various programs stored in a storage device inside the information providing device 10 by a processor such as a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) are stored in a RAM or the like. Is realized by executing as a work area. Further, the control unit 40 is a controller, and may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 3, the control unit 40 includes an acquisition unit 41, a selection unit 42, a presentation unit 43, and a change unit 44. The acquisition unit 41 acquires the details of the postpaid payment means by the user. For example, the acquisition unit 41 acquires detailed information on the user's payment from the payment server 200 that performs various payment processing related to the postpaid payment means. Then, the acquisition unit 41 registers the acquired details in the usage details database 31.

The selection unit 42 selects the details to be changed in the payment mode from the details so that the payment amount satisfies a predetermined condition. More specifically, the selection unit 42 selects the item to be changed to a predetermined mode such as revolving payment. For example, when the selection unit 42 receives the distribution request of the changed content C10 from the terminal device 100 used by the user U, the selection unit 42 refers to the usage detail database 31 and selects the details of the user U whose billing is undecided. Extract. For example, the selection unit 42 identifies the details of the current month and the last month of the processing date and time that have not been billed to the user U.

Then, the selection unit 42 generates the modified content C10 shown in FIGS. 1 and 2 and distributes it to the terminal device 100. That is, the selection unit 42 provides the change content C10 including the slider C12 that accepts the operation for changing the upper limit amount. The selection unit 42 may further provide the changed content C10 for accepting the unit of the amount of money that is changed when the slider C12 is operated. In addition, the selection unit 42 may further provide information indicating the total amount of payment charged to the user at a predetermined date and time. Further, when the slider C12 is operated, the selection unit 42 may further provide information indicating the total payment amount when the payment mode of the selected item is changed based on the upper limit amount indicated by the slider after the operation. good.

Subsequently, when the change upper limit amount is specified by the operation of the slider C12 by the user U, the selection unit 42 pays the payment mode from the extracted details so that the total payment amount is equal to or less than the change upper limit amount. Select the item you want to change. That is, the selection unit 42 selects the details to be changed in the payment mode so that the total amount of the payment to be newly revolving payment is equal to or less than the preset upper limit.

For example, the selection unit 42 selects the details in order from the one with the highest settlement amount until the total settlement amount exceeds the change upper limit amount. Then, when the total settlement amount exceeds the change upper limit amount when a certain item is selected, the selection unit 42 excludes the item from the change target. On the other hand, the selection unit 42 selects the details in order from the one with the lowest settlement amount until the total settlement amount exceeds the change upper limit amount. Then, when the total settlement amount exceeds the change upper limit amount when a certain item is selected, the selection unit 42 excludes the item from the change target. Then, the selection unit 42 compares the total settlement amount of the details selected in order from the highest settlement amount with the total settlement amount of the details selected in order from the lowest settlement amount, and is closer to the change upper limit amount. One of the details may be subject to change.

The selection unit 42 may select the details to be changed in the payment mode from the details based on the information about the user registered in the user information database 32. For example, the selection unit 42 may select the details to be changed in the payment mode based on the change history of the payment mode by the user. In addition, the selection unit 42 may select the details to be changed in the payment mode based on the payment amount in the details in which the user has changed the payment mode or the type of the facility using the postpaid payment means. In addition, the selection unit 42 may select the details to be changed in the payment mode from the details based on the information about other users similar to the users. That is, the selection unit 42 may estimate the details in which the user U is likely to change the payment mode, and select the estimated details as the payment mode change target.

Further, the selection unit 42 selects a detail to be changed in the payment mode from the details charged to the user on the predetermined date and time so that the total charge on the predetermined date and time satisfies the predetermined condition. May be good. For example, when the user U operates the slider C12 in the changed content C10 so that the billing amount to the user in a certain month becomes a predetermined amount, the selection unit 42 sets the billing amount to be equal to or less than the predetermined amount. You may select the item whose payment mode is changed so as to be.

The presentation unit 43 presents the details selected by the selection unit 42 to the user. For example, the presentation unit 43 generates the detailed content C20 as shown in FIGS. 1 and 2, and distributes the generated detailed content C20 to the terminal device 100.

When the operation of changing the payment mode of the selected item is performed, the changing unit 44 changes the payment mode of the item. For example, the changing unit 44 changes the payment mode of the selected item to a predetermined mode such as revolving payment. For example, when the changing unit 44 receives permission from the terminal device 100 to agree to change the payment mode of the selected item, the user uses the item selected by the selection unit 42, that is, the item content C20. Change the payment mode of the item to be changed in the payment mode presented to U.

For example, the changing unit 44 changes the payment mode of the details selected by the selecting unit 42 among the details registered in the usage details database 31 to revolving payment. Then, the change unit 44 reflects the change in the payment mode by transmitting the information of the changed details to the payment server 200.

If the consent of the user is not obtained, the selection unit 42 newly selects the details to be changed for the payment target. At this time, the selection unit 42 reselects the details so as to select a set of details different from the set of the plurality of details selected last time. For example, the selection unit 42 may select a set of details different from the set of a plurality of details selected last time by excluding the randomly selected details from the previously selected details from the selection target.

[3. An example of the flow of processing executed by the information providing device]
Subsequently, the flow of processing executed by the information providing device 10 will be described with reference to FIG. FIG. 6 is a flowchart showing an example of a flow of processing executed by the information providing device according to the embodiment.

For example, the information providing device 10 acquires the details of the user U (step S101). Subsequently, the information providing device 10 acquires the change upper limit amount (step S102). Then, the information providing device 10 selects the details to be changed in the payment mode based on the change upper limit amount (step S103), and provides the user with information indicating the selected details (for example, detail content C20). (Step S104). Further, the information providing device 10 determines whether or not the user's permission has been obtained (step S105), and if the permission has been obtained (step S105: Yes), the payment mode of the details selected in step S103. Is changed (step S106), and the process ends. On the other hand, if the permission is not obtained (step S105: No), the information providing device 10 executes step S101.

[4. Modification example]
In the above, an example of the processing by the information providing apparatus 10 has been described. However, the embodiment is not limited to this. Hereinafter, variations of the processing executed by the information providing device 10 will be described.

[4-1. Variations on selection processing]
The above-mentioned selection process is merely an example, and the information providing device 10 may select a detail for which the payment mode is changed based on arbitrary information at an arbitrary timing. For example, the information providing device 10 provides various additional information such as whether the payment is made by the person's credit card, the family card, utility charges, etc., and whether the payment is automatically produced every month. The item may be selected based on. Further, the information providing device 10 may select a detail for which the payment mode is automatically changed every month, and may accept the designation of the upper limit of the change each time.

Further, in the above description, various histories relating to the postpaid payment means by the user are described as "details", but if the information providing device 10 selects the history of payment for changing the payment mode, the "details" In addition to this, the selection process may be executed based on arbitrary information.

[4-2. others〕
Further, among the processes described in the above-described embodiment, all or a part of the processes described as being automatically performed can be manually performed, and conversely, the processes described as being manually performed. It is also possible to automatically perform all or part of the above by a known method. In addition, the processing procedure, specific name, and information including various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the illustrated information.

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

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

[4-3. program〕
Further, the information providing device 10 according to the above-described embodiment is realized by, for example, a computer 1000 having a configuration as shown in FIG. 7. FIG. 7 is a diagram showing an example of a hardware configuration. The computer 1000 is connected to the output device 1010 and the input device 1020, and the arithmetic unit 1030, the primary storage device 1040, the secondary storage device 1050, the output IF (Interface) 1060, the input IF 1070, and the network IF 1080 are connected by the bus 1090. Has.

The arithmetic unit 1030 operates based on a program stored in the primary storage device 1040 or the secondary storage device 1050, a program read from the input device 1020, or the like, and executes various processes. The primary storage device 1040 is a memory device that temporarily stores data used by the arithmetic unit 1030 for various calculations, such as a RAM. Further, the secondary storage device 1050 is a storage device in which data used by the arithmetic unit 1030 for various calculations and various databases are registered, such as a ROM (Read Only Memory), an HDD (Hard Disk Drive), and a flash memory. Is realized by.

The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various information such as a monitor and a printer. For example, USB (Universal Serial Bus), DVI (Digital Visual Interface), and the like. It is realized by a connector of a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Further, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, a keyboard, and a scanner, and is realized by, for example, USB.

The input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), a PD (Phase change rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), or a tape. It may be a device that reads information from a medium, a magnetic recording medium, a semiconductor memory, or the like. Further, the input device 1020 may be an external storage medium such as a USB memory.

The network IF1080 receives data from another device via the network N and sends it to the arithmetic unit 1030, and also transmits the data generated by the arithmetic unit 1030 to the other device via the network N.

The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040, and executes the loaded program.

For example, when the computer 1000 functions as the information providing device 10, the arithmetic unit 1030 of the computer 1000 realizes the function of the control unit 40 by executing the program loaded on the primary storage device 1040.

[5. effect〕
As described above, the information providing device 10 acquires various usage histories such as details of postpaid payment means by the user. Then, the information providing device 10 selects a usage history to be changed in the payment mode from the usage history so that the payment amount satisfies a predetermined condition. As a result of such processing, the information providing device 10 can reduce, for example, the time and effort for the user to select the details for which the payment mode is changed, thereby improving the convenience of the user and using the postpaid payment means. Can be promoted.

In addition, the information providing device 10 presents the selected usage history to the user. Further, when the operation of changing the payment mode of the selected usage history is performed, the information providing device 10 changes the payment mode of the usage history. Therefore, the information providing device 10 can prevent the user from unintentionally changing the payment mode.

Further, the information providing device 10 selects a usage history for which the payment mode is changed to a predetermined mode, and changes the payment mode of the selected usage history to a predetermined mode. For example, the information providing device 10 selects a usage history for which the payment mode is changed to installment payment. In addition, the information providing device 10 selects a usage history for which the payment target is changed to revolving payment. Further, the information providing device 10 selects a usage history to be changed in the payment mode so that the total amount of the payment amount to be newly revolving payment is equal to or less than the preset upper limit amount. As a result of these processes, the information providing device 10 can reduce the trouble of changing the payment mode to various predetermined modes such as revolving payment and installment payment, and can promote the use of the predetermined payment mode. ..

Further, the information providing device 10 selects the usage history to be changed in the payment mode so that the total amount of the payment amount in the usage history to be changed is equal to or less than the preset upper limit amount. Therefore, the information providing device 10 can automatically select the details for which the payment mode is changed only by accepting the designation of the change upper limit amount from the user.

Further, the information providing device 10 provides the user with content including a slider that accepts an operation for changing the upper limit amount, and the payment mode is such that the total amount is equal to or less than the upper limit amount input by the user via the slider. Select the usage history to be changed. In addition, the information providing device 10 further provides content for accepting a unit of the amount of money that is changed when the slider is operated. In addition, the information providing device 10 further provides information indicating the total amount of payment charged to the user at a predetermined date and time. Further, when the slider is operated, the information providing device 10 further provides information indicating the total payment amount when the payment mode of the selected usage history is changed based on the upper limit amount indicated by the slider after the operation. As a result of such processing, the information providing device 10 can accept the setting of the change upper limit amount and the total payment amount via the intuitive UI (User Interface).

Further, the information providing device 10 uses the usage history charged to the user at a predetermined date and time to change the payment mode so that the total charge amount at the predetermined date and time satisfies the predetermined condition. select. Therefore, the information providing device 10 can automatically select the target for which the payment mode is changed from the details in which the payment mode can be changed.

Further, the information providing device 10 further selects a usage history to be changed in the payment mode from the usage history based on the information about the user. For example, the information providing device 10 selects a usage history to be changed in the payment mode based on the change history of the payment mode by the user as information about the user. Further, the information providing device 10 selects the usage history to be changed in the payment mode based on the payment amount in the usage history in which the user has changed the payment mode or the type of the facility using the postpaid payment means. Further, the information providing device 10 selects a usage history to be changed in the payment mode from the usage history based on the information about another user similar to the user. As a result of such processing, the information providing device 10 can automatically select, for example, a detailed item in which the user is likely to change the payment mode as a payment mode change target.

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

Further, the above-mentioned "section, module, unit" can be read as "means" or "circuit". For example, the imparting unit can be read as a specific means or a specific circuit.

10 Information providing device 20 Communication unit 30 Storage unit 31 Usage details database 32 User information database 40 Control unit 41 Acquisition unit 42 Selection unit 43 Presentation unit 44 Change unit 100 Terminal device 200 Payment server

Claims (19)

An acquisition department that acquires the usage history of postpaid payment methods by users,
A selection device having a selection unit for selecting a usage history to be changed in a payment mode from the usage history so that the payment amount satisfies a predetermined condition. The selection device according to claim 1, further comprising a presentation unit that presents the usage history selected by the selection unit to the user. The selection according to claim 1 or 2, wherein when the operation of changing the payment mode of the usage history selected by the selection unit is performed, the payment mode of the usage history is changed. Device. The selection unit selects a usage history for which the payment mode is changed to a predetermined mode, and the selection unit selects the usage history.
The selection device according to claim 3, wherein the changing unit changes the payment mode of the usage history selected by the selection unit to the predetermined mode. Claims 1 to 1, wherein the selection unit selects the usage history to be changed in the payment mode so that the total amount of payment in the usage history to be changed is equal to or less than a preset upper limit. The selection device according to any one of 4. The selection unit provides the user with content including a slider that accepts an operation for changing the upper limit, and pays so that the total amount is equal to or less than the upper limit input by the user via the slider. The selection device according to claim 5, wherein the usage history to be changed in the mode is selected. The selection device according to claim 6, wherein the selection unit further provides content for accepting a unit of an amount that is changed when the slider is operated. The selection device according to claim 6 or 7, wherein the selection unit further provides information indicating the total amount of payment charged to the user at a predetermined date and time. When the slider is operated, the selection unit further provides information indicating the total payment amount when the payment mode of the selected usage history is changed based on the upper limit amount indicated by the slider after the operation. The selection device according to claim 8. The selection device according to any one of claims 1 to 9, wherein the selection unit selects a usage history for which the payment mode is changed to installment payment. The selection device according to any one of claims 1 to 10, wherein the selection unit selects a usage history for which the payment target is changed to revolving payment. 11. The selection device described in. From the usage history charged to the user at a predetermined date and time, the selection unit selects a usage history for which the payment mode is changed so that the total charge at the predetermined date and time satisfies the predetermined condition. The selection device according to any one of claims 1 to 12, wherein the selection device is characterized by the above. The selection unit further selects any one of claims 1 to 13, which is characterized in that the usage history to which the payment mode is changed is selected from the usage history based on the information about the user. The selection device described in. The selection device according to claim 14, wherein the selection unit selects a usage history to be changed in the payment mode based on the change history of the payment mode by the user as information about the user. .. The selection unit is characterized in that the usage history to which the payment mode is changed is selected based on the payment amount in the usage history in which the user has changed the payment mode or the type of facility using the postpaid payment means. The selection device according to claim 15. The selection unit according to claim 1 to 16, wherein the selection unit selects a usage history to which the payment mode is changed from the usage history based on information about another user similar to the user. The selection device according to any one of them. The change method performed by the change device
The acquisition process to acquire the usage history of the postpaid payment method by the user,
A selection method including a selection step of selecting a usage history to be changed in a payment mode from the usage history so that the payment amount satisfies a predetermined condition. Acquisition procedure to acquire the usage history of postpaid payment means by the user,
A selection program for causing a computer to execute a selection procedure for selecting a usage history whose payment mode is to be changed from the usage history so that the payment amount satisfies a predetermined condition.

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