JP2024028048A - Settlement information processing apparatus, provision information processing apparatus, information processing method, and information processing program - Google Patents

Abstract

To enhance the possibility that a user uses a privilege such as a coupon.SOLUTION: A settlement information processing apparatus according to the present application includes an inquiry unit, an acquisition unit, a grant unit, and a profit grant unit. The inquiry unit inquires of a providing information processing apparatus, which provides user information about the interest of a user who settles a transaction object, on the user information. The acquisition unit acquires information based on the user information regarding the interest of the user in the transaction object from an action history associated with the user from the providing information processing apparatus. The grant unit grants a reward to the user based on the information acquired by the acquisition unit. The profit grant unit gives a profit to the providing information processing apparatus with respect to the acquisition of the information based on the user information from the providing information processing apparatus.SELECTED DRAWING: Figure 7

Description

The present application relates to a payment information processing device, a provided information processing device, an information processing method, and an information processing program.

2. Description of the Related Art In recent years, communication networks have become more widespread, and many services are being provided via communication networks. For example, a service is being developed that grants predetermined benefits to end users by distributing coupons and the like to end users who browse EC (Electric Commerce) sites and purchase transactions such as products and services. There is.

For example, as a technique for providing benefits to end users, a technique has been proposed in which various coupons are distributed from a server side to a terminal device owned by a user based on a user context indicating the user's situation.

JP2020-201906A

However, in the above-mentioned conventional technology, when a server provides a benefit such as a coupon to a user, it is unclear whether the user will use the coupon or not. It is desirable to increase the likelihood that users will use benefits such as coupons. For example, if a benefit is granted based on comprehensive consideration of information tied to the end user's offline user behavior and information tied to the user's online behavior, the user will be more likely to use the benefit such as a coupon. You can increase your chances.

The present application has been made in view of the above, and provides a payment information processing device, a provision information processing device, an information processing method, and an information processing program that can increase the possibility that users will use benefits such as coupons. The purpose is to

The payment information processing device according to the present application includes an inquiry unit, an acquisition unit, a grant unit, and a benefit grant unit. The inquiry unit makes an inquiry regarding user information to a provided information processing device that provides user information regarding the interests of a user who makes a payment for a transaction object. The acquisition unit acquires information based on user information regarding the user's interest in the transaction object from the provided information processing device from the action history linked to the user. The granting unit grants a reward to the user based on the information acquired by the acquiring unit. The profit granting unit grants a profit to the provided information processing device in response to the acquisition by the acquisition unit of the information based on the user information from the provided information processing device.

According to one aspect of the embodiment, the possibility that a user will use a benefit such as a coupon can be increased.

FIG. 1 is a diagram illustrating an overview of information provision processing according to an embodiment. FIG. 2 is a diagram illustrating an outline of a specific example (part 1) of the information providing process according to the embodiment. FIG. 3 is a diagram illustrating an overview of a specific example (part 2) of the information provision process according to the embodiment. FIG. 4 is a diagram illustrating an overview of profit grant processing according to the embodiment. FIG. 5 is a diagram showing an overview of the reward granting process according to the embodiment. FIG. 6 is a diagram illustrating an overview of disclosure setting processing according to the embodiment. FIG. 7 is a diagram illustrating a configuration example of a store terminal according to the embodiment. FIG. 8 is a diagram illustrating an overview of information related to payment history stored in the payment history storage unit according to the embodiment. FIG. 9 is a diagram illustrating an overview of user information stored in the user information storage unit according to the embodiment. FIG. 10 is a diagram illustrating a configuration example of an information processing apparatus according to an embodiment. FIG. 11 is a diagram illustrating an overview of information related to usage history stored in the history information storage unit according to the embodiment. FIG. 12 is a diagram illustrating an overview of information related to disclosure settings stored in the disclosure settings storage unit according to the embodiment. FIG. 13 is a flowchart illustrating an example of the procedure of the information providing process executed by the information processing apparatus according to the embodiment. FIG. 14 is a flowchart illustrating another example of the procedure of the information providing process executed by the information processing apparatus according to the embodiment. FIG. 15 is a flowchart illustrating an example of the procedure of profit granting processing executed by the store terminal according to the embodiment. FIG. 16 is a flowchart illustrating an example of the procedure of the reward granting process executed by the store terminal according to the embodiment. FIG. 17 is a diagram showing an overview of information processing according to the first modification. FIG. 18 is a diagram illustrating a configuration example of a store terminal according to the first modification. FIG. 19 is a diagram illustrating a configuration example of an information processing device according to a first modification. FIG. 20 is a diagram showing an outline of proof information stored in the proof information storage unit according to the first modification. FIG. 21 is a diagram showing an overview of information processing according to the second modification. FIG. 22 is a diagram illustrating a configuration example of a store terminal according to the second modification. FIG. 23 is a diagram illustrating a configuration example of an information processing device according to a second modification. FIG. 24 is a diagram illustrating an example of the procedure of information provision processing executed by the information processing apparatus according to the second modification. FIG. 25 is a diagram illustrating another example of the procedure of the information providing process executed by the information processing apparatus according to the second modification. FIG. 26 is a diagram showing an overview of information processing according to the third modification. FIG. 27 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device and the store terminal according to the embodiment and the modification.

Below, the payment information processing device, the provided information processing device, the information processing method, and the form for implementing the information processing program (hereinafter referred to as "embodiments") according to the present application will be explained in detail with reference to the drawings. do. Note that this embodiment does not limit the payment information processing device, provided information processing device, information processing method, and information processing program according to the present application. Moreover, each embodiment can be combined as appropriate within the range that does not conflict with the processing contents. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. System configuration according to embodiment]
First, the configuration of the information processing system SYS-A according to the embodiment will be described. FIG. 1 schematically shows a configuration example of an information processing system SYS-A according to an embodiment.

As shown in FIG. 1, the information processing system SYS-A according to the embodiment includes a user terminal 10, a store terminal 20, a payment server 30, and an information processing device 100. The user terminal 10, the store terminal 20, the payment server 30, and the information processing device 100 are connected to a network N such as the Internet (see, for example, FIGS. 7 and 10). The user terminal 10, the store terminal 20, the payment server 30, and the information processing device 100 can communicate with each other through the network N. Further, the store terminal 20 and the information processing device 100 can communicate with each other through the network N. Note that the configuration of the information processing system SYS-A shown in FIG. 1 is an example, and may include more user terminals 10 and store terminals 20 than the example shown in FIG.

The user terminal 10 is an information processing terminal used by a user U1 who is a service user of various online services managed by the administrator of the information processing device 100 as a platformer. For example, the user terminal 10 may be realized by a smartphone, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), or the like. The user U1 can access the information processing device 100 and view web pages of various online services, content for applications, etc. displayed by the browser.

Furthermore, in the following description, the user terminal 10 may be referred to as user U1. That is, user U1 can be read as user terminal 10. Further, the store terminal 20 may be described as a store operator U2 in some cases. That is, the store operator U2 can be read as the store terminal 20.

The store terminal 20 is an information processing device placed in a facility that provides a predetermined service or a store that handles a predetermined product. For example, the store terminal 20 may be realized by a smartphone, a desktop PC (Personal Computer), a notebook PC, a tablet terminal, a mobile phone, a PDA (Personal Digital Assistant), or the like. The store terminal 20 accesses the information processing device 100 and displays information obtained from the information processing device 100 using a browser. Further, the store terminal 20 can also be referred to as a payment information processing device having a function of performing processing related to payment for a predetermined service or a predetermined product. In addition, the store terminal 20 records the payment history of each user (for example, user U1) who has used a predetermined service or purchased a product, and records the recorded payment history. Manage history for each user.

In addition to cash payments, the store terminal 20 can also perform processes related to cashless payments. Cashless payments include credit card payments as well as various electronic payments. Further, the store terminal 20 can be equipped with a communication function compatible with the NFC (Near Field Communication) standard and the like. Thereby, the store terminal 20 can execute electronic payment processing (IC card payment) using contactless IC card technology. Specifically, when the user U1 uses the user terminal 10 to use a service or purchase a product, the store terminal 20 stores the history of the user terminal 10 using the service and purchasing the product. It is possible to execute processes such as storing the history in the user terminal 10 and reading out the service usage history and product purchase history held by the user terminal 10.

Further, the store terminal 20 can execute electronic payment processing using a two-dimensional code (code payment) by concluding a usage contract with a payment service provider that operates an electronic payment service using a two-dimensional code. A store (or payment provider) that concludes an electronic payment service usage contract and purchases code payment may be referred to as a member store. Code payment is realized by the store terminal 20 or the user terminal 10 cooperating with a payment server 30 operated by a payment provider. Code payments include a store scan method in which the store terminal 20 takes the lead in making payments, and a user scan method in which the user terminal 10 takes the lead in making payments.

First, the store scan method will be described. When using code payment, the store terminal 20 installs a predetermined store application (hereinafter referred to as a "store application") distributed by a payment provider. The store scan method payment processing described below is realized by the functions of this store app. First, the store terminal 20 acquires user identification information (hereinafter referred to as "payment service user ID" for convenience of explanation) for identifying the user U1 in the electronic payment service from the code information displayed on the user terminal 10. ). Next, the store terminal 20 transmits transaction information including the read payment service user ID, the payment amount, and store identification information that identifies the store where the store terminal 20 is installed to the payment server 30. As a result, the payment server 30 executes payment processing based on the transaction information.

Next, the user scan method will be described. When using code payment, the user terminal 10 installs a predetermined payment service application (hereinafter referred to as "payment application") distributed by a payment provider. The user scan method payment processing described below is realized by this payment application. First, the user terminal 10 photographs, for example, a two-dimensional code installed at a store that introduces code payment (hereinafter referred to as "store X" for convenience of explanation). Store identification information is written in this two-dimensional code. Next, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user U1 or the clerk of the store X. Next, the user terminal 10 transmits transaction information including a payment service user ID that identifies the user U1, store identification information, and a payment amount to the payment server 30.

In addition, store operator U2 who operates store You can give benefits. For example, the store operator U2 operates the store terminal 20 to access the payment server 30, enters coupon information through a predetermined setting screen (user interface) provided by the payment server 30, and applies the coupon. Configure detailed information such as conditions. Thereby, the store terminal 20 can give a coupon to a user who pays by code payment through the payment application (payment server 30). Note that the store operator U2 can also provide predetermined benefits such as coupons to users who have made payment using a payment method other than code payment through an independently managed store system.

The payment server 30 is an information processing device operated by a payment company that operates an electronic payment service using two-dimensional codes. The payment server 30 executes various processes related to code payments. The payment server 30 may be realized by a mainframe, a workstation, or the like. Further, the payment server 30 may be realized by a single server device, or may be realized by a cloud system or the like in which a plurality of server devices and a plurality of storage devices operate cooperatively.

For example, upon receiving transaction information from the user terminal 10 or store terminal 20, the payment server 30 executes payment processing corresponding to the transaction information. For example, the payment server 30 transfers the amount corresponding to the payment amount from the money wallet linked to the user U1 indicated by the payment service user ID included in the transaction information to the money wallet linked to the store identification information included in the transaction information. transfer electronic money. The payment server 30 then sends a notification to the user terminal 10 or the store terminal 20 that the transaction has been completed. Further, the payment server 30 executes the coupon distribution process according to the application conditions set by the store operator U2.

The information processing device 100 is an information processing device that provides various online services to the user U1. The information processing device 100 is typically a server device, but may also be realized by a mainframe, a workstation, or the like. In addition, when the information processing device 100 is implemented by a server device, it may be implemented by a single server device, or by a cloud system in which multiple server devices and multiple storage devices work together. Good too.

Various online services provided by the information processing device 100 include Internet connection, search service, SNS (Social Networking Service), electronic commerce service, electronic payment service, online game, online banking service, and online service. Trading services, accommodation reservation services, ticket reservation services, video distribution services, music distribution services, news distribution services, map information services, route search services, route guidance services, route information services, and operation services. Information services, weather information services, etc. may be included. Note that the various online services may include API (Application Programming Interface) services corresponding to various applications.

When providing various online services, the information processing apparatus 100 creates a user account for each service user that includes user identification information for identifying the service user. This user account includes user identification information (hereinafter referred to as "online service user ID" for convenience of explanation) given to user U1 when registering to use the online service. The information processing device 100 records the online service usage history (an example of "behavior history") by linking it to the user account of each service user (for example, user U1), and shares the recorded usage history with the service user. Manage each. Further, the information processing apparatus 100 can distribute predetermined applications for using portal sites of various online services to each user.

As described above, the store terminal 20 manages the payment history (information linked to offline user actions) of a user (for example, user U1) who visited the store and made a payment. On the other hand, the information processing device 100 manages the usage history of online services (information tied to online user actions) for each service user. The information processing device 100 can also be referred to as a provided information processing device that provides information linked to user actions. Conventionally, the store operator U2 has only been able to carry out promotional activities such as issuing coupons based on information recorded on the store terminal 20 or information obtainable from the linked payment server 30, There is no way to use service information (information tied to online user behavior). Thus, conventionally, it has been difficult to further utilize online information (information linked to online user behavior) for promotional activities. Therefore, in the embodiment described below, benefits are granted to end users by organically linking information linked to end users' offline user actions and information linked to online user actions. We propose an example of information processing to realize the provision of useful information that can be used as a reference when considering. The store terminal 20, which is a payment information processing device, is operated by a different operator from the operator who operates the information processing device 100, which is a provided information processing device. The operator is, for example, a company, an organization, a government office, or the like. Even companies within the same group can be said to be operated by different operators if profits are given and received. The operator of the store terminal 20 may not be aware of the user's behavior. Therefore, by receiving information linked to user behavior from information processing apparatuses 100 operated by different operators, rewards, that is, benefits, can be given to users who are likely to use benefits such as coupons.

[2. Information processing according to embodiment]
(2-1. Overview of information provision processing)
The information provision process according to the embodiment will be described below using FIG. 1. Note that the information provision process when the payment method used by the user U1 to pay for the product is code payment will be described below.

As shown in FIG. 1, the user U1 operates the user terminal 10 and presents code information for code payment to the store (step S01). Furthermore, the user U1 of the user terminal 10 can present a coupon applicable to the transaction object prior to payment of the transaction object. This coupon is acquired by the user U1 from various online services provided by the information processing device 100 when making a payment for a transaction object. To specifically explain the operation on the user terminal 10 side, the user U1 accesses the website of a predetermined online service or the content for a predetermined application for using the online service. Next, the user U1 verbally conveys his or her intention to use the coupon to the store, and also sends the coupon information (for example, a two-dimensional code such as a barcode) posted on the website or content to the user terminal 10. display it and present it to the store. Then, the user U1 makes payment for the transaction object using any payment method.

In this way, the information processing device 100 allows the user U1 to use the coupon distributed through the online service, thereby making the payment for the user U1 at the store (information linked to the user's online behavior) and the online service. It is possible to link the service usage history of the user U1 (information linked to the user's online actions).

The store terminal 20 reads the code information displayed on the user terminal 10 (step S02). Then, the store terminal 20 transmits transaction information including the user identification information read from the code information to the payment server 30 (step S03).

In addition, the store terminal 20 transmits an inquiry regarding the user U1 who makes the payment for the product A to be traded to the information processing device 100 (step S04). For example, the store terminal 20 makes an inquiry as to whether or not the user U1 has an interest in the product A that is the object of the transaction, or an inquiry about the user image of the user U1 who makes the payment for the product A that is the object of the transaction. Send. Further, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 uses the online service user ID included in the coupon information as the identification information of the user U1 in the inquiry. can be included. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1. Further, the store terminal 20 can include, in the inquiry, information on the inquiry type indicating the content of the inquiry.

When the information processing device 100 receives an inquiry regarding the user U1 from the store terminal 20, the information processing device 100 checks user information regarding the user U1's interest in the transaction object based on the usage history of the online service linked to the user U1. The confirmation process to be performed is executed (step S05). Then, the information processing device 100 transmits the result of the confirmation process to the store terminal 20 (step S06). The result of this confirmation process is a result of whether or not a reward may be given to the user U1 based on the action history linked to the user U1. Furthermore, with the permission of the user U1, various information may be transmitted as a result of the confirmation process.

When the store terminal 20 receives from the information processing device 100 the result of the confirmation process that the reward may be granted, the store terminal 20 grants the reward to the user U1 (step S07). Giving rewards means giving benefits such as coupons for discounts on products and services. From the point of view of the store terminal 20, receiving the result of the confirmation process by the information processing device 100 has the effect that a reward, that is, a benefit can be given to a user who is likely to use a benefit such as a coupon.

After that, the store terminal 20 gives a profit to the information processing device 100 (step S08). This profit is a profit that the store terminal 20 gives to the information processing device 100 in response to the information processing device 100 providing the result of the confirmation process based on the user information regarding the interests of the user U1. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

As described above, when the code payment is adopted by the user U1 as the payment method for the transaction, the store terminal 20 reads the payment service user ID from the code information displayed on the user terminal 10, The read payment service user ID can be included in the inquiry and sent to the information processing device 100. On the other hand, the information processing device 100 can acquire the usage history of the online service linked to the user U1 based on the payment service user ID included in the inquiry received from the store terminal 20. Specifically, the information processing device 100 is previously provided with table information indicating the correspondence between payment service user IDs and online service user IDs. When the information processing device 100 receives an inquiry from the store terminal 20, the information processing device 100 refers to this table information and identifies the online service user ID that corresponds to the payment service user ID included in the inquiry. The usage history of online services associated with person U1 is acquired. Note that the information processing device 100 performs processing such as matching the personal information (name, age, address, telephone number, etc.) associated with the user ID for the payment service with the personal information associated with the user ID for the online service. , it is possible to collate user accounts and generate table information in advance that shows the correspondence between user IDs for payment services and user IDs for online services. Furthermore, when generating table information, the information processing device 100 acquires the payment service user ID and the registration information of the user U1 from the payment server 30 with the approval of the user U1.

The store operator U2 can use the result of the confirmation process provided by the information processing device 100 as reference information when considering granting a predetermined benefit to the user U1. For example, the following user experience is realized by the information processing according to the embodiment described above. For example, when a user who has searched for "Product A" using a search service visits a store and pays for "Product A," discount coupons for "Product A" are automatically applied. , it becomes possible to purchase "Product A" at a good price.

(2-1-1. Specific example of information provision processing (Part 1))
A specific example (part 1) of the information providing process according to the embodiment will be described below. FIG. 2 shows an outline of a specific example (part 1) of the information provision process according to the embodiment. In the following, an example will be described in which the store terminal 20 makes an inquiry as to whether or not the user U1 has an interest in the product to be traded, and the information processing device 100 responds with a result in response to the inquiry. .

As shown in FIG. 2, the user U1 operates the user terminal 10 to present coupon information corresponding to the product A to be traded, and also presents code information for code payment to the store ( Step S11). This coupon information may be a distributed coupon that does not limit the users to whom it is distributed, or may be a coupon personalized to the user U1. In the case of the latter coupon, history information about the use of the coupon by the user U1 is stored, for example, as a purchase history (FIG. 11) in the history information storage unit 121, which will be described later.

The store terminal 20 reads the coupon information and code information displayed on the user terminal 10 (step S12). Then, the store terminal 20 transmits transaction information including the payment service user ID read from the code information to the payment server 30 (step S13).

Further, the store terminal 20 transmits an inquiry regarding the user U1's interest in the product A to be traded to the information processing device 100 (step S14). Further, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 uses the online service user ID included in the coupon information as the identification information of the user U1 in the inquiry. can be included. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1. Additionally, the store terminal 20 may include, in the inquiry sent to the information processing device 100, information about the inquiry type indicating that the content of the inquiry is an inquiry as to whether or not the user has an interest in the product A. Can be done.

Upon receiving the inquiry from the store terminal 20, the information processing device 100 determines whether the user U1 has an interest in the product A, which is the transaction target, based on the usage history of the online service linked to the user U1. A confirmation process is executed to confirm (step S15). For example, the information processing device 100 uses a learned model that estimates the degree of interest in the transaction object to check whether the user U1 has an interest in the product A that is the transaction object. Specifically, the information processing device 100 determines the online service user ID or payment service user ID included in the inquiry from information recorded in a database that manages online service usage history for each service user. , obtains information corresponding to product A linked to the coupon code. Next, the information processing device 100 inputs the acquired information into the trained model, and if the score indicating the degree of interest acquired from the trained model exceeds a predetermined threshold, the information processing device 100 allows the user U1 to make a transaction. A determination result indicating that the user has an interest in the target product A is derived. Then, the information processing device 100 transmits the result of the confirmation process to the store terminal 20 (step S16). The result of this confirmation process is a result of whether or not a reward may be given to the user U1 based on the action history linked to the user U1. Furthermore, with the permission of the user U1, various information may be transmitted as a result of the confirmation process. For example, information indicating whether or not the user U1 has an interest in the product A, which is the transaction target, may be transmitted as a result of the confirmation process.

When the store terminal 20 receives from the information processing device 100 the result of the confirmation process that the reward may be granted, the store terminal 20 grants the reward to the user U1 (step S17). Giving rewards means giving benefits such as coupons for discounts on products and services. From the point of view of the store terminal 20, receiving the result of the confirmation process by the information processing device 100 has the effect that a reward, that is, a benefit can be given to a user who is likely to use a benefit such as a coupon.

After that, the store terminal 20 gives a profit to the information processing device 100 (step S18). This profit is a profit that the store terminal 20 gives to the information processing device 100 in response to the information processing device 100 providing the result of the confirmation process based on the user information regarding the interests of the user U1. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

Note that the information processing device 100 determines whether the user U1 has an interest in the product A, which is the transaction target, as information indicating that the user U1 is interested (interested) or not interested. The information may be information indicating that there is no interest (no interest), or information indicating the degree of interest (for example, a score output from a trained model).

(2-1-2. Specific example of information provision processing (Part 2))
A specific example (part 2) of the information provision process according to the embodiment will be described below. FIG. 3 shows an outline of a specific example (part 2) of the information provision process according to the embodiment. In the following, an example will be described in which the store terminal 20 makes an inquiry regarding the user image of the user U1, and the information processing device 100 responds with a result in response to the inquiry.

As shown in FIG. 3, the user U1 operates the user terminal 10 to present coupon information corresponding to the product A to be traded, and also presents code information for code payment to the store ( Step S21). This coupon information may be a distributed coupon that does not limit the users to whom it is distributed, or may be a coupon personalized to the user U1. In the case of the latter coupon, history information about the use of the coupon by the user U1 is stored, for example, as a purchase history (FIG. 11) in the history information storage unit 121, which will be described later.

The store terminal 20 reads the coupon information and code information displayed on the user terminal 10 (step S22). Then, the store terminal 20 transmits transaction information including the payment service user ID read from the code information to the payment server 30 (step S23).

Further, the store terminal 20 transmits an inquiry regarding the user profile of the user U1 who makes the payment for the product A to be traded to the information processing device 100 (step S24). Further, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 uses the online service user ID included in the coupon information as the identification information of the user U1 in the inquiry. can be included. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1. Further, the store terminal 20 can include, in the inquiry, information about the inquiry type indicating that the content of the inquiry is an inquiry about the image of the user who makes the payment for the product A.

Upon receiving the inquiry from the store terminal 20, the information processing device 100 determines whether the user U1 has an interest in the product A, which is the transaction target, based on the usage history of the online service linked to the user U1. A confirmation process is performed to confirm the information, and persona information reflecting the result of the confirmation process is generated (step S25). For example, the information processing device 100 selects an online service user ID or a payment service user ID included in the inquiry from information recorded in a database that manages online service usage history for each service user, and a coupon code. Information corresponding to product A linked to is acquired. Subsequently, the information processing device 100 refers to the acquired information, executes a confirmation process to confirm user information regarding user U1's interest in product A, and creates a virtual virtual machine that reflects the result of the confirmation process. Generate persona information that represents the user image. For example, as shown in FIG. 3, the persona information generated by the information processing apparatus 100 may include information on "attributes," "behaviors," and "interests" representing the user image. Based on the persona information, the information processing device 100 transmits the result of the confirmation process as to whether or not a reward may be given to the user U1 to the store terminal 20 (step S26). At this time, if the user U1 has permission, the persona information may be transmitted as a result of the confirmation process.

When the store terminal 20 receives from the information processing device 100 the result of the confirmation process that the reward may be granted, the store terminal 20 transmits the reward to the user U1 (step S27). Giving rewards means giving benefits such as coupons for discounts on products and services. From the point of view of the store terminal 20, receiving the result of the confirmation process by the information processing device 100 has the effect that a reward, that is, a benefit can be given to a user who is likely to use a benefit such as a coupon.

After that, the store terminal 20 gives a profit to the information processing device 100 (step S28). This profit is a profit that the store terminal 20 gives to the information processing device 100 in response to the information processing device 100 providing the result of the confirmation process based on the user information regarding the interests of the user U1. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

Furthermore, when generating persona information, the information processing device 100 generates the persona information according to the attributes of the store where the user U1 makes the payment (for example, the contents of the products handled, the target user group, etc.). Good too. For example, if the store where the user U1 makes payment is a restaurant, the information processing device 100 may include information indicating the family structure in the attribute field of the user profile, and the number of eating out per month in the behavior field. Information indicating the frequency of eating may be included, or information indicating the tendency of favorite meals (like Japanese food or Western food) may be included in the interest/preference items.

Furthermore, the information processing device 100 is not limited to generating persona information based on information corresponding to the user U1. For example, the information processing device 100 uses information associated with a user group made up of user U1 and other users whose characteristics are similar to user U1, to determine the maximum number of users representing each user included in the user group. Persona information indicating a common divisor virtual user image may be generated.

Further, the information processing device 100 may provide user information regarding the user U1's interest in the product A as it is as the persona information.

(2-2. Profit grant processing)
The profit granting process according to the embodiment will be described below. FIG. 4 shows an overview of the profit granting process according to the embodiment. As shown in FIG. 4, the user U1 operates the user terminal 10 to present coupon information corresponding to the product A to be traded, and also presents code information for code payment to the store ( Step S31).

The store terminal 20 reads the coupon information and code information displayed on the user terminal 10 (step S32). Then, the store terminal 20 transmits transaction information including the payment service user ID read from the code information to the payment server 30 (step S33).

In addition, the store terminal 20 transmits an inquiry regarding the user U1 who makes the payment for the product A to be traded to the information processing device 100 (step S34). For example, the store terminal 20 transmits an inquiry to obtain user information regarding the user's interest in product A, which is a transaction target. Further, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 uses the online service user ID included in the coupon information as the identification information of the user U1 in the inquiry. can be included. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1.

When the information processing device 100 receives an inquiry regarding the user U1 from the store terminal 20, the information processing device 100 checks user information regarding the user U1's interest in the transaction object based on the usage history of the online service linked to the user U1. The confirmation process to be performed is executed (step S35). Then, the information processing device 100 transmits the result of the confirmation process to the store terminal 20 (step S36). The result of this confirmation process is a result of whether or not a reward may be given to the user U1 based on the usage history of the online service linked to the user U1. Furthermore, with the permission of the user U1, various information may be transmitted as a result of the confirmation process.

When the store terminal 20 receives the result of the confirmation process from the information processing device 100, it refers to the received user information and determines a predetermined benefit to be given to the user U1 (step S37). For example, the store terminal 20 refers to the user information and determines whether the user U1 has an interest in the product A to be traded, based on the behavior of the user U1 regarding products that are the same as or similar to the product A to be traded. Determine. When the store terminal 20 determines that the user U1 has an interest in the product A to be traded, the store terminal 20 decides to give the user U1 a coupon that can be used at the time of payment for the product A to be traded. Thereby, the store operator U2 aims to retain the user U1. On the other hand, if the store terminal 20 determines that the user U1 has no interest in the transaction target product A, the store terminal 20 may provide the user U1 with a coupon that can be used at the time of other payments made after payment for the transaction target product A. Determine. Thereby, the store operator U2 can increase the possibility of revisiting the store. The store terminal 20 then provides the determined predetermined benefit, ie, the reward, to the user U1 (step S38).

Giving rewards means giving benefits such as coupons for discounts on products and services. From the point of view of the store terminal 20, receiving the result of the confirmation process by the information processing device 100 has the effect that a reward, that is, a benefit can be given to a user who is likely to use a benefit such as a coupon.

After that, the store terminal 20 gives a profit to the information processing device 100 (step S39). This profit is a profit that the store terminal 20 gives to the information processing device 100 in response to the information processing device 100 providing the result of the confirmation process based on the user information regarding the interests of the user U1. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

Note that the store terminal 20 may provide not only a coupon but also a discount on the price corresponding to the transaction object, dynamic pricing, etc. as a predetermined benefit provided to the user U1.

Further, the information processing device 100 may provide a predetermined benefit to another user who has a predetermined relationship with the user U1. For example, when giving a coupon to the user U1 as a predetermined benefit, the information processing device 100 refers to the user information stored in the user information storage unit 25b (for example, see FIG. 7), A related user ID associated with the user ID of user U1 is identified. Then, the information processing device 100 gives coupons to other users identified by the related user IDs in the same way as the user U1. In addition, when granting a predetermined benefit to another user who has a predetermined relationship with the user U1, the granting unit 26e does not need to grant the predetermined benefit to the user U1. That is, for example, the giving unit 26e may be configured to transfer a coupon scheduled to be given to the user U1 to another user.

(2-3. Reward grant processing)
The profit granting process according to the embodiment will be described below. FIG. 5 shows an overview of the reward granting process according to the embodiment. The information processing system SYS-A shown in FIG. 5 includes an introducer terminal 11a and an introducer terminal 11b.

The introducer terminal 11a, in response to a request from the store operator U2 to distribute a performance-based web advertisement (an example of "predetermined guidance information"), introduces the web advertisement to an introducer U3-1 (a "guidance person"). This is an information processing terminal used by an example). The introducer terminal 11b is an information processing terminal used by the introducer U3-2 (an example of a "guide") who introduces a web advertisement in response to a request from the store operator U2 to distribute a performance-based web advertisement. be. In the following description, when it is not necessary to separately explain the introducer terminal 11a and the introducer terminal 11b, they will be collectively referred to as "introducer terminal 11." Furthermore, in the following description, when it is not necessary to explain the introducer U3-1 and the introducer U3-2 separately, they will be collectively referred to as "introducer U3." Furthermore, in the following description, it is assumed that the introducer U3 is a user of an online service provided by the information processing device 100.

As shown in FIG. 5, the introducer U3 uses the introducer terminal 11 to post a web advertisement provided by the store operator U2, which is an advertiser, on his own blog or SNS, thereby making a web advertisement. (Step S41).

Further, the user U1 operates the user terminal 10 to present coupon information corresponding to the product A to be traded, and also presents code information for code payment to the store (step S42).

The store terminal 20 reads the coupon information and code information displayed on the user terminal 10 (step S43). Then, the store terminal 20 transmits transaction information including the payment service user ID read from the code information to the payment server 30 (step S44).

In addition, the store terminal 20 transmits an information provision request to the information processing device 100 regarding the user U1 (an example of a "processing target user") who makes the payment for the product A that is the transaction target (step S45). Furthermore, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 provides the online service user ID included in the coupon information as the identification information of the user U1. Can be included in the request. In addition, when the coupon information is not presented and the code information is presented from the user U1, the store terminal 20 can include the payment service user ID as the identification information of the user U1 in the information provision request.

When the information processing device 100 receives the information provision request from the store terminal 20, it acquires the usage history of the online service linked to the user U1 (step S46). Then, the information processing device 100 transmits the acquired online service usage history to the store terminal 20 (step S47). Note that the information processing device 100 executes a confirmation process to confirm user information regarding the user U1's interest in the transaction object based on the usage history of the online service linked to the user U1, and determines the result of the confirmation process. may be transmitted to the store terminal 20.

When the store terminal 20 receives the online service usage history of the user U1 from the information processing device 100, the store terminal 20 refers to the received online service usage history and determines the behavior caused by the web advertisement introduced to the user U1. A specifying process for specifying is executed (step S48). Then, when the behavior caused by the web advertisement is identified, the store terminal 20 gives a predetermined reward, that is, a reward according to the behavior of the user U1, to the introducer U3 who introduced the web advertisement (step S49).

After that, the store terminal 20 gives a profit to the information processing device 100 (step S50). This profit is a profit that the store terminal 20 gives to the information processing device 100 in response to the information processing device 100 providing the result of the confirmation process based on the user information regarding the interests of the user U1. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

For example, the store terminal 20 selects, for the user U1, a store associated with the web advertisement among the user's actions performed within a certain period of time after viewing the web advertisement regarding the product A introduced by the introducer U3; The behavior of the user U1 regarding the product A published in the web advertisement is identified as the behavior caused by the advertisement. For example, if the user U1 visits a store associated with the web advertisement within a certain period of time after viewing the web advertisement, the store terminal 20 may attribute the visit to the store associated with the web advertisement to the web advertisement. Identify as an action. The store terminal 20 may provide a predetermined reward to the introducer U3 when the visit to the store associated with the web advertisement is confirmed. In addition, if the user U1 visits the store associated with the web advertisement and purchases the product featured in the web advertisement within a certain period of time after viewing the web advertisement, the store terminal 20 will respond to the web advertisement. A visit to a linked store and a purchase of a product advertised in a web advertisement are identified as actions caused by the web advertisement. In this case, the store terminal 20 may give more reward to the introducer U3 than when only the visit to the store is confirmed. In addition, the store terminal 20 grants the introducer U3 when the product A posted in the web advertisement is purchased, and when a product different from the product A published in the web advertisement is purchased. The content of the predetermined reward may be changed.

(2-4. Disclosure setting process)
The disclosure setting process according to the embodiment will be described below. FIG. 6 shows an overview of the disclosure setting process according to the embodiment. The information processing device 100 may receive in advance a setting regarding whether or not to provide user information regarding behavior or interests to a third party from a user U1 who is a service user who uses an online service. This realizes information disclosure in accordance with the request of the user U1 (an example of an "end user").

For example, as shown in FIG. 6, the information processing device 100 transmits an information disclosure confirmation request to the user terminal 10 when registering to use an online service (step S61).

When the user terminal 10 receives the information disclosure confirmation request from the information processing device 100, it displays the information disclosure confirmation request (step S62). Further, the user terminal 10 receives disclosure settings from the user U1 through a predetermined setting screen or the like (step S63). Then, the user terminal 10 transmits the disclosure setting information to the information processing device 100 (step S64).

Upon receiving the disclosure setting information from the user terminal 10, the information processing apparatus 100 registers the disclosure setting information in association with the online service user ID corresponding to the user U1 (step S65).

In addition, along with the above-described disclosure setting process, the information processing apparatus 100 refers to the disclosure setting information corresponding to user U1 among the user information included in the result of the confirmation process, and allows disclosure to a third party. This information is provided to the store that is the source of the inquiry regarding user U1. In addition, the information processing device 100 sends a notification to the user requesting permission for disclosure regarding information with a large number of inquiries in which the number of inquiries exceeds a predetermined number among user information that is not permitted to be disclosed to a third party. It may be provided to U1. Furthermore, in this case, the information processing device 100 may provide the user U1 with a notification that includes information regarding a predetermined reward that can be obtained in exchange for permission to disclose the frequently asked information.

[3. Configuration of each device according to embodiment]
(3-1. Store terminal configuration)
First, a configuration example of a store terminal according to an embodiment will be described. FIG. 7 shows a configuration example of the store terminal 20 according to the embodiment. As shown in FIG. 7, the store terminal 20 according to the embodiment includes an input section 21, an output section 22, a sensor section 23, a communication section 24, a storage section 25, and a control section 26.

The input unit 21 receives input of various operation information from a user (for example, store operator U2 shown in FIG. 1). For example, the input unit 21 may receive various operations from the user via a display surface (for example, the output unit 22) using a touch sensor. Further, the input unit 21 may accept various operations from buttons provided on the store terminal 200 or a keyboard or mouse connected to the store terminal 200. The input unit 21 passes information regarding various input operations to the control unit 26 .

The output unit 22 outputs various information. For example, the output unit 22 is configured with a liquid crystal display, an organic EL (Electro-Luminescence) display, or the like. Further, the output section 22 may be configured to include a sound output section such as a speaker, and in this case, various sounds can be output.

In addition, when the input section 21 and the output section 22 are integrally configured by a touch screen display, the store terminal 20 receives input from the user via the display screen of the display that constitutes the output section 22, and inputs information on the display screen. Outputs information to the user via. For example, the input unit 21 and the output unit 22 display a screen of an electronic payment service website or a store app in response to an operation from the store operator U2, and receive a request from the user via these websites or screens. Can accept operations.

The sensor unit 23 acquires various information. For example, the sensor unit 23 may include a digital camera that acquires image information. A digital camera includes an optical element and an image sensor. Optical elements are elements that constitute an optical system, such as lenses, mirrors, prisms, and filters. An image sensor is an element that converts light incident through an optical element into an image signal that is an electrical signal. The image sensor is, for example, a CCD (Charge Coupled Device) sensor or a CMOS (Complementary Metal Oxide Semiconductor) sensor. For example, the sensor unit 23 acquires (reads) code information displayed on the user terminal 10 and passes the acquired code information to the control unit 26.

The communication unit 24 is realized by, for example, a NIC (Network Interface Card). The communication unit 24 is connected to the network N by wire or wirelessly. The store terminal 20 transmits and receives information to and from other devices such as the user terminal 10, the payment server 30, and the information processing device 100 via the network N. For example, the communication unit 24 transmits transaction information regarding payment using code payment to the payment server 30.

The storage unit 25 stores various information and the like. The storage unit 25 is realized by, for example, a RAM (Random Access Memory), a semiconductor memory element such as a flash memory, or a storage device such as a hard disk or an optical disk. For example, the storage unit 25 includes a payment history storage unit 25a and a user information storage unit 25b.

The payment history storage unit 25a stores information regarding the payment history at the store where the store terminal 20 is installed. FIG. 8 shows an overview of information regarding the payment history stored in the payment history storage unit 25a according to the embodiment.

As shown in FIG. 8, the information regarding the payment history stored in the payment history storage unit 25a includes the "history ID" item, the "user ID" item, the "payment date and time" item, and the "payment method" item. '', ``Payment Service User ID'', and ``Coupon Information (Online Service User ID/Coupon Code)''. These items included in the information regarding payment history are correlated with each other.

The "history ID" item stores a history ID that is identification information for identifying a payment history. The "user ID" item stores a user ID that is identification information for identifying a user who is a party to a payment (for example, a purchaser of a transaction object). This user ID may be, for example, identification information such as a card ID (membership number) uniquely assigned to a member point card distributed by the store to the user, or It may be identification information such as an application ID (membership number) uniquely assigned to a predetermined application for members to be distributed.

The "payment date and time" item stores information indicating the date and time when the payment was made at the store. The "payment method" item stores information indicating the payment method used for payment. Note that if the information stored in the "payment method" item is "smartphone", this corresponds to code payment using a smartphone, contactless IC payment, etc. In the item "User ID for payment service", when store scan payment using code payment is adopted as the payment method, the user ID for payment service read by the store terminal 20 is stored. In the item "Coupon information (online service user ID/coupon code)", if a coupon is presented by the user prior to payment, the online service user ID and coupon code read by the store terminal 20 are stored. be done.

The user information storage unit 25b stores user information regarding users of the store. FIG. 9 shows an overview of user information stored in the user information storage unit 25b according to the embodiment.

As shown in FIG. 9, the user information storage unit 25b has an item of "user ID" and an item of "related user ID." These items included in the user information are associated with each other.

The "user ID" item stores a user ID that is identification information for identifying a user who is a party to a payment (for example, a purchaser of a transaction object). This user ID may be the same information as the information stored in the "user ID" field included in the information regarding the payment history. The "Related User ID" item contains identification information for identifying other users to whom certain benefits such as coupons granted to the user identified by the user ID can be transferred. A certain user ID is stored. The user ID stored in the "related user ID" item may be the same type of information as the user ID stored in the "user ID" item. For example, identification information such as a card ID (membership number) that is uniquely assigned to a member's point card, or an application ID (that is, uniquely assigned to a predetermined application for members that a store distributes to users) It may also be identification information such as a member number).

The control unit 26 is realized by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like executing various programs stored in a storage device inside the store terminal 20 using the RAM as a work area. Further, the control unit 26 is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 7, the control unit 26 includes an inquiry unit 26a, an acquisition unit 26b, a determination unit 26c, a specification unit 26d, a grant unit 26e, and a profit grant unit 26f. , realizes or executes the information processing functions and operations described below.

The inquiry unit 26a sends an inquiry to the information processing device 100 through the communication unit 24 regarding the user who makes the payment for the transaction object. Further, when the inquiry unit 26a reads the coupon information presented by the user prior to the presentation of the code information, the inquiry unit 26a includes the online service user ID included in the coupon information as identification information of the user U1 in the inquiry. be able to. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1. Further, the inquiry unit 26a can include information on the inquiry type indicating the content of the inquiry in the inquiry.

The acquisition unit 26b acquires user information regarding the behavior of a user who makes a payment for a transaction object. For example, the acquisition unit 26b transmits, through the communication unit 24, an inquiry regarding a user (for example, the user U1 shown in FIG. Obtain user information regarding interests.

The acquisition unit 26b also acquires the online service usage history (online behavior history) of the user to be processed. For example, the acquisition unit 26b transmits to the information processing device 100, through the communication unit 24, an information provision request regarding a user who makes a payment for a transaction (for example, user U1 shown in FIG. 5). Obtain usage history of online services related to.

The determining unit 26c determines a predetermined benefit to be given to the user based on the user information acquired by the acquiring unit 26b. For example, the determining unit 26c refers to the user information and determines whether or not the user has an interest in the product to be traded, based on the content of the user's actions regarding products that are the same as or similar to the product to be traded. . When determining that the user has an interest in the product to be traded, the determining unit 26c determines to provide the user with a coupon that can be used at the time of payment for the transaction target. On the other hand, if the determination unit 26c determines that the user has no interest in the transaction object, it provides the user with a coupon that can be used at the time of another payment after the transaction object payment.

Further, the coupon that the determining unit 26c provides to the user may be a coupon that is uniquely given to the store's members by the store operator U2 (see, for example, FIG. 1) of the store that provides the transaction object. However, it may also be a coupon given by the payment server 30 in the payment processing of the code payment that the user uses to pay for the transaction object. The provision of coupons to users from the payment server 30 is realized by the store operator U2 setting application conditions in the payment server 30 in advance.

The identification unit 26d refers to the action history of the user to be processed and identifies actions caused by predetermined guidance information introduced to the user. For example, upon receiving the online service usage history of a user to be processed (for example, user U1 shown in FIG. 5) through the communication unit 24, the identification unit 26d refers to the received online service usage history. , attempts to identify the behavior caused by viewing the web advertisement provided to user U1. Specifically, the identifying unit 26d determines whether a user's behavior toward a store associated with a web advertisement or a transaction target listed in the web advertisement is performed within a certain period of time after viewing the web advertisement. identify the behavior as being caused by the advertisement. For example, if the user U1 visits a store associated with the web advertisement within a certain period of time after viewing the web advertisement, the identifying unit 26d may attribute the visit to the store associated with the web advertisement to the web advertisement. Identify as an action. In addition, if the user U1 visits a store associated with the web advertisement and purchases a product listed in the web advertisement within a certain period of time after viewing the web advertisement, the identifying unit 26d specifies that A visit to a linked store and a purchase of a product advertised in a web advertisement are identified as actions caused by the web advertisement.

The granting unit 26e grants the user (for example, the user U1 shown in FIG. 4) the predetermined benefit determined by the determining unit 26c. For example, the granting unit 26e grants the user a benefit that can be applied at the time of payment of the transaction object. Specifically, the granting unit 26e grants the user U1 a coupon that can be used at the time of payment for the product A to be traded. Further, for example, the granting unit 26e grants the user a benefit that can be applied at the time of other payments made after the payment of the transaction object. Specifically, the granting unit 26e grants the user a coupon that can be used for other payments made after the payment of the transaction object.

Furthermore, when the specifying unit 26d specifies a behavior caused by predetermined guidance information (e.g., a web advertisement), the providing unit 26e is configured to provide information about the guide who introduced the predetermined guidance information (for example, the introduction shown in FIG. 5). A predetermined reward is given to the person U3) according to the behavior of the user (for example, the user U1 shown in FIG. 5). For example, when the specifying unit 26d identifies a user's behavior toward at least one of the store and the transaction object as a behavior caused by a web advertisement, the granting unit 26e grants a predetermined reward to the guide. You may. Further, the granting unit 26e provides a predetermined reward to be given to the guide depending on whether a product published in the web advertisement is purchased or a product different from the product published in the web advertisement is purchased. You may change the contents. The benefit granting unit 26f grants a profit to the information processing device 100 in response to the acquisition unit 26b acquiring the result of the confirmation process regarding the user U1 from the information processing device 100.

(3-2. Configuration of information processing device)
Hereinafter, a configuration example of the information processing apparatus 100 according to the embodiment will be described. FIG. 10 shows a configuration example of an information processing apparatus according to an embodiment. As shown in FIG. 10, the information processing device 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly. The information processing device 100 transmits and receives information to and from other devices such as the user terminal 10, the store terminal 20, and the payment server 30 via the network N.

(About storage unit 120)
The storage unit 120 stores programs, data, and the like for realizing or executing information processing functions and actions by the information processing device 100. The storage unit 120 is realized by, for example, a RAM (Random Access Memory), a semiconductor memory element such as a flash memory, or a storage device such as a hard disk or an optical disk. For example, the storage unit 120 includes a history information storage unit 121, a model storage unit 122, a correspondence table storage unit 123, and a disclosure setting storage unit 124.

(History information storage unit 121)
The history information storage unit 121 stores information regarding the usage history of online services by each service user. FIG. 11 shows an overview of information related to usage history stored in the history information storage unit 121 according to the embodiment.

As shown in FIG. 11, the information related to the usage history stored in the history information storage unit 121 according to the embodiment includes the "user ID" item, the "search history" item, the "movement history" item, etc. , has multiple items such as "Purchase History" and "Browsing History" items. These items included in the usage history information are associated with each other.

The "user ID" item stores an online service user ID, which is user identification information given to the user U1 when registering to use the online service.

The "search history" item stores information indicating the search history of the service user in the online service. The "movement history" item stores information indicating the movement history of the service user in the online service. The "Purchase History" item stores information indicating the service user's purchase history in the online service. The "browsing history" item stores information indicating the browsing history of the service user in the online service.

(Model storage unit 122)
The model storage unit 122 stores information on a trained model that estimates the degree of interest in a transaction object. For example, the trained model stored in the model storage unit 122 is an estimation model that uses as input data a set of mental image information about a transaction object and a predetermined behavior toward the transaction object, and estimates a score corresponding to the input data. be.

Mental information about the transaction object is obtained from responses to questionnaires regarding products advertised. In addition, the predetermined behavior for the transaction object is an action that is preset to infer interest in the transaction object, and for example, the number of inputs of a specified search query, the number of times a specified website is viewed, etc. are data samples. This is assumed as an example. For example, learning data to be used as correct answer data can be prepared from the usage history of online services associated with each service user who answered ``interested'' or ``not interested'' in a transaction object.

The trained model is generated by machine learning using any learning method. Examples of learning methods include deep learning, RNN (Recurrent Neural Network), and LSTM (Long Short Term Memory). Furthermore, in the estimation model learning process, the information processing apparatus 100 can learn the estimation model using an arbitrary machine learning model such as a neural network as a learning model. In addition, when using a neural network as a learning model, the information processing device 100 adjusts the value of the weight (connection coefficient) that is taken into account when the score (value) is propagated between the nodes of each layer configuring the neural network. Performs learning processing. For example, the information processing device 100 uses any method such as backpropagation (error backpropagation method) to reduce the error between the output from the learning model and the correct answer (correct data) corresponding to the input. Next, the estimation model is learned by performing processing to correct parameters (connection coefficients). Note that when using the backpropagation method, the information processing device 100 performs learning processing to minimize a predetermined loss function, thereby matching the output from the learning model to the input. Parameters (connection coefficients) can be corrected to reduce the error from the correct answer (correct data).

(Correspondence table storage unit 123)
The correspondence table storage unit 123 stores information indicating the correspondence between the payment service user ID and the online service user ID obtained in advance from the payment server 30 with the consent of the service user. Note that, with the consent of the service user, the correspondence table storage unit 123 stores the correspondence relationship between the card ID (membership number) related to the point card of the store used by the service user and the online service user ID. Good too. Furthermore, the correspondence table storage unit 123 stores the correspondence relationship between the application ID (membership number) uniquely assigned to a predetermined application for members distributed by the store to the user, and the online service user ID. Good too.

(Disclosure setting storage unit 124)
The disclosure setting storage unit 124 is information that is set in advance for each user to be processed, and is information related to disclosure settings that indicates whether or not user information related to the user's actions or interests can be disclosed to a third party. remember. FIG. 12 shows an overview of information related to disclosure settings stored in the disclosure settings storage unit 124 according to the embodiment.

As shown in FIG. 12, the information related to disclosure settings stored in the disclosure settings storage unit 124 includes a plurality of items such as a "user ID" item and a "disclosure settings" item. These items included in the information regarding disclosure settings are associated with each other.

The "user ID" item stores an online service user ID, which is user identification information given to a service user when registering to use the online service.

"Disclosure settings" items include "search history" items, "movement history" items, "purchase history" items, "browsing history" items, "registration information" items, and "attribute information" items. It has multiple items such as "Information" item. These items included in the "disclosure setting" item store information indicating whether or not the service user can disclose information to a third party. The “search history” item, “movement history” item, “purchase history” item, and “browsing history” item are each item included in the information related to usage history stored in the history information storage unit 121. It corresponds to

The "registration information" item stores information registered by the service user when registering to use the online service. The "registration information" item stores information corresponding to demographic attributes such as the service user's name, age, gender, address, and family structure. The "attribute information" item stores information corresponding to psychographic attributes such as interests and preferences and lifestyle of the service user.

(About the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the information processing device 100 use the RAM as a work area by, for example, a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved by executing as . Further, the control unit 130 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. 10, the control unit 130 includes a reception unit 131, a confirmation processing unit 132, a provision unit 133, and a profit reception unit 134, and each of these units performs the information processing function described below. to realize or carry out an action or action. Note that the control unit 130 may have a plurality of divided internal configurations in processing units that realize or execute information processing functions and actions described below. Further, the control unit 130 is not limited to the configuration shown in FIG. 10, and may have any other configuration as long as it performs information processing to be described later.

(Reception Department 131)
The reception unit 131 receives, through the communication unit 110, an inquiry regarding a user (for example, user U1 shown in FIG. 1) who makes a payment for a transaction object from a store that provides the transaction object. The reception unit 131 passes the acquired inquiry to the confirmation processing unit 132.

Further, the receiving unit 131 receives in advance from a user to be processed (for example, from a service user of an online service) whether or not to disclose user information regarding the user's actions or interests to a third party. For example, the reception unit 131 transmits an information disclosure confirmation request to the user terminal 10 through the communication unit 110 when registering to use an online service. The receiving unit 131 can receive from the user whether or not the usage history should be disclosed to a third party, for example, in units of each item included in the user's usage history, through an information disclosure confirmation request. Further, the receiving unit 131 can receive whether or not the user's registration information, attribute information, etc. can be disclosed to a third party through an information disclosure confirmation request.

Further, the reception unit 131 receives disclosure setting information from the user terminal 10 through the communication unit 110 as a response to the information disclosure request. In addition, the reception unit 131 registers disclosure setting information received from users through the communication unit 110 for each user. For example, the reception unit 131 registers the disclosure setting information in association with the online service user ID corresponding to the user.

Further, the reception unit 131 may receive an inquiry for information regarding a specific behavior from among the information regarding the user from the store. Further, the reception unit 131 may manage the number of inquiries about information regarding a specific behavior for each user. Further, the receiving unit 131 passes information on the number of inquiries to the providing unit 133.

(Confirmation processing unit 132)
When the inquiry is accepted by the reception unit 131, the confirmation processing unit 132 obtains user information regarding the user's interest in the transaction object from the action history linked to the user who makes the payment for the transaction object. Executes confirmation processing to confirm user information.

For example, when an inquiry is accepted by the reception unit 131, the confirmation processing unit 132, based on the online service user ID or payment service user ID included in the inquiry, records the online service usage history ( An example of “behavior history”) is acquired from the history information storage unit 121.

Further, the confirmation processing unit 132 determines the content of the inquiry based on the inquiry type included in the inquiry. For example, if the inquiry is about the user's interest in the transaction object, the confirmation processing unit 132 determines whether the user has an interest in the transaction object based on the usage history of the online service. Execute the confirmation process to confirm. Specifically, the confirmation processing unit 132 uses a trained model that estimates the degree of interest in the transaction object based on the usage history to check whether the user has an interest in the transaction object. Execute the confirmation process. For example, the confirmation processing unit 132 selects the online service user ID or payment service user ID included in the inquiry from the usage history recorded in the history information storage unit 121 that manages online service usage history for each user. and the product associated with the coupon code. Next, the confirmation processing unit 132 inputs the acquired information into the trained model, and if the score indicating the degree of interest acquired from the trained model exceeds a predetermined threshold, the confirmation processing unit 132 determines that the user is the transaction target. A determination result is derived that the person has an interest in a certain product.

In addition, if the inquiry is about the user profile of the user who makes the payment for the transaction object, the confirmation processing unit 132 determines whether the user A confirmation process is executed to confirm whether or not the person has an interest, and persona information reflecting the result of the confirmation process is generated. Specifically, the confirmation processing unit 132 selects the online service user ID or payment service included in the inquiry from the usage history recorded in the history information storage unit 121 that manages online service usage history for each user. information corresponding to the user ID and the product linked to the coupon code. Next, the confirmation processing unit 132 refers to the acquired information, executes a confirmation process to confirm user information regarding the user's interest in the product to be traded, and creates a virtual virtual machine that reflects the results of the confirmation process. Generate persona information that represents a user image. For example, the persona information generated by the confirmation processing unit 132 may include information on "attributes," "behaviors," and "interests" that represent the user image (for example, see FIG. 3).

In addition, when generating persona information, the confirmation processing unit 132 may generate persona information according to the attributes of the store where the user makes payment (for example, the contents of the products handled, the target user group, etc.). good. For example, if the store where the user makes payment is a restaurant, the confirmation processing unit 132 may include information indicating the family structure in the attribute field of the user profile, and the number of times of eating out per month in the behavior field. It is also possible to include information indicating a preference for favorite meals (such as liking Japanese food or liking Western food) in the interest/preference section.

(Providing unit 133)
The providing unit 133 provides the result of the confirmation process by the confirmation processing unit 132 to the store that is the source of the inquiry regarding the user. Further, the providing unit 133 provides the persona information generated by the confirmation processing unit 132 to the store that is the source of the inquiry for information regarding the user.

Further, when providing the user information included in the result of the confirmation process by the confirmation processing unit 132 to a store that is the source of the inquiry for information regarding the user, the providing unit 133 provides disclosure setting information corresponding to the user. Information that the user is permitted to disclose to a third party is provided to the store that is the source of the inquiry regarding the information regarding the user.

In addition, the providing unit 133 provides the user with a notification requesting permission to disclose information for which the number of inquiries exceeds a predetermined number of user information that is not permitted to be disclosed to a third party. You may. For example, the providing unit 133 transmits the above-mentioned notification to the user terminal 10 when the user uses an online service. Further, in this case, the providing unit 133 may provide the user with a notification including information regarding a predetermined reward that can be obtained in exchange for permission to disclose the information with a large number of inquiries.

(Profit receiving unit 134)
The profit receiving section 134 receives the profit given from the profit giving section 26f of the store terminal 20.

[4. Processing procedure according to embodiment]
(4-1. Information provision processing)
Hereinafter, the procedure of the information providing process executed by the information processing apparatus 100 according to the embodiment will be described. FIG. 13 shows an example of the procedure of the information providing process executed by the information processing apparatus 100 according to the embodiment. The processing procedure shown in FIG. 13 is executed by the control unit 130 of the information processing device 100. The processing procedure shown in FIG. 13 is repeatedly executed while the information processing device 100 is in operation.

As shown in FIG. 13, when the inquiry is accepted by the reception unit 131, the confirmation processing unit 132 determines the online service associated with the online service user ID or payment service user ID included in the inquiry. The service usage history is acquired from the history information storage unit 121 (step S101).

Further, the confirmation processing unit 132 determines the content of the inquiry based on, for example, the inquiry type included in the inquiry (step S102). The confirmation processing unit 132 executes confirmation processing (step S103). Then, the confirmation processing unit 132 determines whether or not a reward may be given to the user U1 (step S104). As a result of this determination, if the reward may be granted to the user U1 (step S104; Yes), the providing unit 133 transmits to the store terminal 20 as a result of the confirmation process that the reward may be granted to the user U1. (Step S105), and the processing procedure shown in FIG. 13 ends.

If the result of the determination in step S104 is that the reward should not be given to the user U1 (step S104; No), the providing unit 133 determines that the reward should not be given to the user U1 at the store as a result of the confirmation process. The information is transmitted to the terminal 20 (step S106), and the processing procedure shown in FIG. 13 is ended.

By the way, as a result of the confirmation process, various information may be transmitted as the result of the confirmation process, instead of the result of the confirmation process as to whether or not a reward may be given to the user U1. FIG. 14 shows another example of the procedure of the information providing process executed by the information processing apparatus 100 according to the embodiment. Steps S101 and S102 are the same as the processing described with reference to FIG. 13. In FIG. 14, the confirmation processing unit 132 determines the content of the inquiry based on, for example, the inquiry type included in the inquiry (step S102).

As a result of the determination in step S102, if the inquiry is an inquiry regarding the user's interest in the transaction object, the confirmation processing unit 132 uses the learned model based on the online service usage history acquired in step S101. Then, a confirmation process is executed to confirm whether or not the user has an interest in the transaction object (step S107).

Furthermore, as a result of the confirmation process in step S107, the providing unit 133 provides information indicating whether or not the user has an interest in the transaction object (step S108), and performs the processing procedure shown in FIG. finish.

Further, if the inquiry in step S102 is an inquiry about the user image of the user who makes the payment for the transaction object, the confirmation processing unit 132 confirms whether or not the user has an interest in the transaction object. Persona information reflecting the processing results is generated (step S109).

Further, the providing unit 133 provides the persona information generated in step S109 as a result of the confirmation process in step S109 (step S110), and ends the processing procedure shown in FIG. 14.

(4-2. Profit grant processing)
Hereinafter, the procedure of the profit giving process executed by the store terminal 20 according to the embodiment will be explained. FIG. 15 shows an example of the procedure of the profit giving process executed by the store terminal 20 according to the embodiment. The processing procedure shown in FIG. 15 is executed by the control unit 26 of the store terminal 20. The processing procedure shown in FIG. 15 is repeatedly executed while the store terminal 20 is in operation.

As shown in FIG. 15, the acquisition unit 26b acquires user information regarding the interests of the user who makes the payment for the transaction object (step S201).

Further, the determining unit 26c determines whether the user has an interest in the transaction object based on the user information acquired in step S201 (step S202).

When determining that the user has an interest in the transaction object (step S202; Yes), the determination unit 26c determines to give the user a coupon that can be used at the time of payment of the transaction object (step S203). ). Then, the profit giving unit 26f gives a profit to the information processing device 100 (step S205), and the processing procedure shown in FIG. 15 ends.

On the other hand, if the determining unit 26c determines that the user has no interest in the transaction object (step S202; No), the determination unit 26c provides the user with a coupon that can be used for other payments made after the transaction object payment. (Step S204). Then, the profit giving unit 26f gives a profit to the information processing device 100 (step S205), and the processing procedure shown in FIG. 15 ends.

(5-3. Reward grant processing)
Hereinafter, the procedure of the reward granting process executed by the store terminal 20 according to the embodiment will be described. FIG. 16 shows an example of the procedure of the reward granting process executed by the store terminal 20 according to the embodiment. The processing procedure shown in FIG. 16 is executed by the control unit 26 of the store terminal 20. The processing procedure shown in FIG. 16 is repeatedly executed while the store terminal 20 is in operation.

As shown in FIG. 16, the acquisition unit 26b acquires the online service usage history of the user to be processed (step S301).

The identifying unit 26d refers to the user's online service usage history acquired in step S301 and identifies the behavior caused by the web advertisement introduced to the user (step S302).

The identification unit 26d refers to the identification result in step S302 and determines whether or not there has been a visit to the store associated with the web advertisement within a certain period of time after viewing the web advertisement (step S303).

If the identification unit 26d refers to the identification result in step S302 and determines that there has been a visit to the store associated with the web advertisement within a certain period of time after viewing the web advertisement (step S303; Yes), the identification unit 26d determines that the web advertisement After viewing, it is determined whether the product advertised in the web advertisement has been purchased within a certain period of time (step S304).

If the specifying unit 26d determines that the product featured in the web advertisement was purchased within a certain period of time after viewing the web advertisement (step S304; Yes), the providing unit 26e provides the guidance that introduced the web advertisement. A predetermined reward is given to the person according to the visit to the store linked to the web advertisement and the product purchase (step S305), and the processing procedure shown in FIG. 16 is ended.

If the specifying unit 26d determines that the product listed in the web advertisement has not been purchased within a certain period of time after viewing the web advertisement (step S304; No), the assigning unit 26e determines that the product listed in the web advertisement has not been purchased within a certain period of time after viewing the web advertisement. A predetermined reward is given according to the visit to the store (step S306), and the processing procedure shown in FIG. 16 is ended.

In step S303 described above, if the identification unit 26d determines that there has been no visit to the store associated with the web advertisement within a certain period of time after viewing the web advertisement (step S303; No), the identifying unit 26d executes the processing procedure shown in FIG. finish.

[5. 1st modification]
(5-1. Overview of information processing according to the first modification)
The payment information processing device, provided information processing device, information processing method, and information processing program according to the present application may be implemented in various different forms other than the above embodiments. Below, a first modification of the embodiment will be described. In a first modified example described below, the information processing device 500, in response to an application from a service user of an online service, gives an endorsement (guarantee) to a product (favorite product) that is highly related to the service user. An example of information processing when providing certification information that can be presented to a third party will be described. FIG. 17 shows an overview of information processing according to the first modification.

As shown in FIG. 17, the information processing system SYS-B according to the first modification includes a user terminal 10, a store terminal 200, and an information processing device 500. The store terminal 200 included in the information processing system SYS-B corresponds to the store terminal 20 included in the information processing system SYS-A according to the embodiment. Furthermore, the information processing device 500 included in the information processing system SYS-B corresponds to the information processing device 100 included in the information processing system SYS-A according to the embodiment.

The user U1 operates the user terminal 10 to transmit an application for certification information for certifying a product that is strongly related to the user to the information processing device 500 (step S61). For example, the application for certification information includes an online service user ID owned by user U1.

Upon receiving the application for certification information from the user terminal 10, the information processing device 500 executes certification information registration processing (step S62). For example, the information processing device 500 acquires the usage history of the online service associated with the user U1 based on the online service user ID included in the application for certification information. Next, the information processing device 500 refers to the acquired usage history of the online service and identifies a product (favorite product) that is presumed to have a strong relationship with the user U1.

For example, the information processing device 500 may collect information about search queries that are input relatively frequently compared to other service users, information about places that are frequently visited, information about websites that are frequently viewed, information about purchases, etc. An attempt is made to identify products that are presumed to have a strong relationship with the user U1 based on information on products that have been used frequently. Hereinafter, a method for identifying products that are highly related to the user U1 who made the application using the number of inputs of the search query will be specifically explained. First, the information processing device 500 calculates the median number of inputs by all service users for the search query to be processed among the search queries input by the user U1 who is the application source. Next, the information processing device 500 determines that if the number of inputs by the requesting user U1 is greater than the calculated median value, the input of the search query to be processed by the requesting user U1 will be performed by other service users. It is determined that this is a characteristic behavior compared to the above, and the product linked to the search query to be processed is identified as a product that is highly related to the user U1 who made the application. Note that the information processing device 500 may identify products that are presumed to have strong relevance to the user U1, taking into consideration the number of inputs of search queries similar to the search query to be processed.

Next, the information processing device 500 allocates certification information that guarantees the strength of the relationship with the application source user U1 to the specified product, and assigns it to the online service user owned by the application source user U1. Register in association with the ID. The information processing device 500 then provides the certification information to the user U1 (step S63). The certification information provided by the information processing device 500 is provided encrypted using, for example, a predetermined public key in order to prove authenticity.

Furthermore, the information processing device 500 may evaluate the strength of the relationship between the service user who is the originator of the certification information application and the transaction object, and change the content of the certification information according to the evaluation result. For example, the information processing device 500 determines whether the number of inputs of the search query to be processed is in the top percentage of the distribution of the number of inputs of the same search query by each service user. The strength of the association may also be evaluated. Then, the information processing device 500 allocates proof information corresponding to the evaluation result for each transaction object according to the evaluation result of the strength of the relationship with the transaction object.

When the user U1 pays for the transaction using the code payment, the user U1 operates the user terminal 10 and presents the store with code information for making the code payment (step S64). At this time, prior to presenting the code information, the user U1 displays the certification information provided from the information processing device 500 on the user terminal 10, and presents the certification information displayed on the user terminal 10 to the store side. can.

When the user U1 presents the certification information using the user terminal 10, the store terminal 20 reads the certification information displayed on the user terminal 10 and sends a verification information provision request for the certification information to the information processing device 500. (step S65).

Upon receiving the verification information provision request from the store terminal 20, the information processing device 500 transmits the public key for decoding the certification information to the store terminal 20 as verification information (step S66).

Upon receiving the verification information from the information processing device 500, the store terminal 20 uses the received verification information to execute verification processing of the certification information (step S67). For example, the store terminal 20 decrypts the certification information read from the user terminal 10 using the public key received as verification information. The store terminal 20 then provides a reward, that is, a predetermined benefit, to the user U1 according to the verification result (step S68). Thereafter, profits are given to the information processing device 500 from the store terminal 20 (step S69). This profit is a profit that the store terminal 20 gives to the information processing device 500 in response to the information processing device 500 providing the verification information. The amount given by the store terminal 20 to the information processing device 500 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

In this way, the user U1 can receive a predetermined benefit from the store by presenting the certification information provided by the information processing device 100 to the store when making payment at the store. , usability can be improved. In addition, by receiving proof information from the user at the time of payment, the store can obtain effective information that can be used as a reference when considering granting benefits to the user U1.

(5-2. Configuration of each device according to the first modification)
(5-2-1. Store terminal configuration)
Hereinafter, a configuration example of the store terminal 200 according to the first modification will be described. FIG. 18 shows a configuration example of a store terminal 200 according to the first modification. As shown in FIG. 18, a store terminal 200 according to the first modification includes an input section 210, an output section 220, a sensor section 230, a communication section 240, a storage section 250, and a control section 260. The store terminal 200 according to the first modification basically has the same configuration as the store terminal 20 according to the embodiment.

That is, the input section 210, output section 220, sensor section 230, communication section 240, storage section 250, and control section 260 included in the store terminal 200 according to the first modification are the input section included in the store terminal 20 according to the embodiment. 21, output section 22, sensor section 23, communication section 24, storage section 25, and control section 26, respectively. Furthermore, the payment history storage section 250a and the user information storage section 250b of the storage section 250 correspond to the payment history storage section 25a and the user information storage section 25b of the storage section 25, respectively. In addition, the inquiry unit 260a, the acquisition unit 260b, the determination unit 260c, the identification unit 260d, the grant unit 260e, and the benefit grant unit 260f included in the control unit 260 are the inquiry unit 26a, the acquisition unit 26b, the determination unit 26c, They respectively correspond to the specifying section 26d, the giving section 26e, and the profit giving section 26f.

Furthermore, the store terminal 200 according to the first modification example is different from the embodiment in that the control section 260 includes a verification section 260g as a function for executing information processing according to the first modification example. It is different from 20.

The verification unit 260g executes verification processing to verify the authenticity of the certification information provided by the user U1. For example, the verification unit 260g reads certification information displayed on the user terminal 10. Further, for example, the verification unit 260g transmits a verification information provision request for certification information to the information processing device 500 through the communication unit 240. Further, for example, when the verification unit 260g acquires verification information from the information processing device 500 through the communication unit 240, it uses the acquired verification information to execute verification processing of the certification information read from the user terminal 10. For example, the verification unit 260g decrypts the certification information read from the user terminal 10 using the public key acquired as verification information.

(5-2-2. Configuration of information processing device)
Hereinafter, a configuration example of the information processing device 500 according to the first modification will be described. FIG. 19 shows a configuration example of an information processing device 500 according to a modification. As shown in FIG. 19, an information processing device 500 according to the modification includes a communication section 510, a storage section 520, and a control section 530. The information processing device 500 according to the modification basically has the same configuration as the information processing device 100 according to the embodiment.

That is, the communication unit 510, storage unit 520, and control unit 530 included in the information processing device 500 according to the first modification are the same as the communication unit 110, storage unit 120, and control unit 130 included in the information processing device 100 according to the embodiment. corresponds to each. Further, the history information storage unit 521, model storage unit 522, correspondence table storage unit 523, and disclosure setting storage unit 524 included in the storage unit 520 are connected to the history information storage unit 121, model storage unit 122, and correspondence table included in the storage unit 120. They correspond to the storage section 123 and the disclosure setting storage section 124, respectively. Further, the receiving unit 531, confirmation processing unit 532, providing unit 533, and profit receiving unit 534 included in the control unit 530 are different from the receiving unit 131, confirmation processing unit 132, providing unit 133, and profit receiving unit 134 included in the control unit 130. corresponds to each.

Furthermore, the information processing device 500 according to the first modification includes a proof information storage unit 525 in the storage unit 520 as a function for executing the information processing according to the embodiment, and a proof information storage unit 525 in the control unit 530. The difference from the information processing device 100 according to the embodiment is that a processing section 535 is included.

The certification information storage unit 525 stores certification information provided to the online service user. FIG. 20 shows an outline of the proof information stored in the proof information storage unit 525 according to the modification.

As shown in FIG. 20, the certification information stored in the certification information storage unit 525 according to the first modification includes items such as "user ID", "favorite product", and "certification information". It has a plurality of items, and these items are correlated with each other.

The "user ID" item stores an online service user ID, which is user identification information given to the user U1 when registering to use the online service. The "favorite product" item stores information indicating products that are highly relevant to the service user.

The "certification information" item stores certification information corresponding to the products stored in the favorite products item. For example, the proof information stored in the "proof information" item is assigned according to the evaluation result of the strength of the relationship with the transaction object.

In the example shown in FIG. 20, "Product EX111" is stored as a favorite product of the service user identified by the user ID: "User Y#01", and the certification information corresponding to "Product EX111" is stored. The ``Rainbow Trophy'' is remembered as the ``Rainbow Trophy.'' Further, in the example shown in FIG. 20, "Product EX112" is stored as a favorite product of the service user identified by the user ID: "User Y#01", and furthermore, "Product EX112" is stored as a favorite product of the service user identified by the user ID: "User Y#01", and "Gold Trophy" is stored as proof information. When comparing the "Rainbow Trophy" and "Gold Trophy" certification information, it is shown that the Rainbow Trophy has a stronger relevance to the service user. In other words, the relationship between the service user and "product EX111" is stronger than the relationship between the service user and "product EX112." Note that the order of the strength of the relevance of the certification information illustrated in FIG. 20 is as follows, with "Rainbow Trophy" at the top, followed by "Gold Trophy" → "Silver Trophy" → "Bronze Trophy".

The certification processing unit 535 executes various processes for providing certification information to the service user in response to an application from a service user of the online service (for example, user U1 shown in FIG. 17).

For example, when the certification processing unit 535 obtains an application for certification information transmitted from the user terminal 10 through the communication unit 510, the certification processing unit 535 determines whether the user U1 Obtain usage history of online services linked to. Further, the proof processing unit 535 refers to the acquired usage history of the online service and identifies a product (favorite product) that is presumed to have a strong relationship with the user U1.

Specifically, the proof processing unit 535 collects information on search queries that have been input relatively frequently compared to other service users, information on places that have been visited frequently, and information on websites that have been viewed frequently. The system attempts to identify products that are presumed to be highly related to the service user based on information on products that have been purchased a large number of times. Hereinafter, a method for identifying products that are highly related to the service user who made the application using the number of inputs of the search query will be specifically explained. First, the proof processing unit 535 calculates the median number of inputs by all service users for the search query to be processed among the search queries input by the service user who is the application source. Next, the proof processing unit 535 determines that if the number of inputs by the requesting service user is greater than the calculated median value, the input of the search query to be processed by the requesting service user is limited to other service users. It is determined that this is a characteristic behavior compared to the above, and the product that is linked to the search query to be processed is identified as a product that is highly related to the service user who made the application.

The certification processing unit 535 also assigns certification information that guarantees the strength of the relationship with the application originating service user to the identified product, and assigns the identification information to the online service user ID owned by the application originating service user. Register in association with . Further, the proof processing unit 535 provides the proof information to the service user by transmitting the proof information to the user terminal 10 through the communication unit 510.

Further, the proof processing unit 535 may evaluate the strength of the relationship between the service user who is the originator of the proof information application and the transaction object, and change the content of the proof information according to the evaluation result. For example, the proof processing unit 535 determines whether the number of inputs of the search query to be processed is in the top percentage of the distribution of the number of inputs of the same search query by each service user, The strength of the association may also be evaluated. Then, the certification processing unit 535 assigns certification information corresponding to the evaluation result to each transaction object according to the evaluation result of the strength of the relationship with the transaction object.

For example, when the number of inputs of the search query to be processed is less than the top 10%, the certification processing unit 535 selects a rainbow trophy as the certification information to be assigned to the product linked to this search query. For example, if the number of inputs of the search query to be processed is within the top 10% or more to less than 20%, the certification processing unit 535 may select the gold trophy as certification information to be assigned to the product linked to this search query. Select. For example, if the number of inputs of the search query to be processed is within the top 20% or more to less than 30% range, the certification processing unit 535 may select the Silver Trophy as certification information to be assigned to the product linked to this search query. Select. Further, for example, when the number of inputs of the search query to be processed is within the top 30% or more to less than 50% range, the certification processing unit 535 may select the Bronze Trophy as certification information to be assigned to the product linked to this search query. Select.

Further, the proof processing unit 535 may evaluate the strength of the relationship with the transaction object by combining not only the number of inputs of the search query but also other indicators such as the number of purchases. For example, if the number of inputs of a search query is within the top several percent, and the number of purchases of a product associated with the search query is within the top several percent, the proof processing unit 535 assigns the item to the product associated with this search query. The rainbow trophy is selected as proof information.

Furthermore, the information processing device 500 according to the modified example is not limited to evaluating the strength of the relationship with the transaction object, but may evaluate the weakness of the relationship (degree of indifference) with the transaction object, for example. . In this case, the information processing device 500 may assign, to each transaction object, certification information indicating weak relevance to the transaction object based on the evaluation result.

[6. Second modification]
(6-1. Overview of information processing according to second modification)
A second modification of the embodiment will be described below. In the second modification described below, it is assumed that the information processing device 100a and the information processing device 100b have a certain relationship. For example, if the operator or administrator of the information processing device 100a and the operator or administrator of the information processing device 100b are substantially the same, there is a certain relationship. More specifically, for example, a company that operates the information processing device 100a and a company that operates the information processing device 100b have a parent company and subsidiary relationship, or a holding company of the company that operates the information processing device 100a. If the holding company of the company that operates the information processing device 100b is the same, there is a certain relationship. In this example, it is assumed that the information processing device 100a and the information processing device 100b belong to the same corporate group GR.

FIG. 21 shows an overview of information processing according to the second modification. As shown in FIG. 21, the information processing system SYS-C according to the second modification includes a user terminal 10, a store terminal 20a, and information processing devices 100a and 100b. The store terminal 20a included in the information processing system SYS-C corresponds to the store terminal 20 included in the information processing system SYS-A according to the embodiment. Furthermore, the information processing device 100a included in the information processing system SYS-C corresponds to the information processing device 100 included in the information processing system SYS-A according to the embodiment. The information processing device 100a stores behavior history associated with a user who makes a payment for a transaction object and usage history of online services.

The information processing device 100b accepts transactions from the user terminal 10. This transaction is the purchase of a product or the provision of a service.

In FIG. 21, the user U1 operates the user terminal 10 to conduct a transaction (step S51). This transaction involves purchasing product A or receiving a service. The information processing device 100b accepts transactions from the user terminal 10 (step S52). Note that the information processing device 100b may notify the information processing device 100a that the transaction from the user terminal 10 has been accepted.

The user U1 operates the user terminal 10 and presents code information for code payment to the store side. Payment is made by the store terminal 20 reading the code information displayed on the user terminal 10 (step S53). Furthermore, the user U1 of the user terminal 10 can present a coupon applicable to the transaction object prior to payment of the transaction object. Then, the store terminal 20 transmits transaction information including the user identification information read from the code information to the payment server 30 (step S54).

In addition, the store terminal 20 transmits an inquiry regarding the user U1 who makes the payment for the product A to be traded to the information processing device 100a (step S55). For example, the store terminal 20 makes an inquiry as to whether or not the user U1 has an interest in the product A that is the object of the transaction, or an inquiry about the user image of the user U1 who makes the payment for the product A that is the object of the transaction. Send. Further, when the store terminal 20 reads the coupon information presented by the user U1 prior to presenting the code information, the store terminal 20 uses the online service user ID included in the coupon information as the identification information of the user U1 in the inquiry. can be included. Note that when the coupon information is not presented and the code information is presented by the user U1, the store terminal 20 can include the payment service user ID in the inquiry as the identification information of the user U1. Further, the store terminal 20 can include, in the inquiry, information on the inquiry type indicating the contents of the inquiry.

When the information processing device 100 receives an inquiry regarding the user U1 from the store terminal 20, the information processing device 100 checks user information regarding the user U1's interest in the transaction object based on the usage history of the online service linked to the user U1. The confirmation process to be performed is executed (step S56). Then, the information processing device 100 transmits the result of the confirmation process to the store terminal 20 (step S57). The result of this confirmation process is a result of whether or not a reward may be given to the user U1 based on the action history linked to the user U1. Furthermore, with the permission of the user U1, various information may be transmitted as a result of the confirmation process. When the store terminal 20 receives from the information processing device 100 the result of the confirmation process that the reward may be granted, the store terminal 20 grants the reward to the user U1 (step S58). After that, the information processing device 100 gives a profit to the store terminal 20 (step S59). This profit is a profit that the information processing device 100 gives to the store terminal 20 because there is a relationship between the transaction by the user U1 (step S51) and the subsequent confirmation process (step S56). The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information.

(6-2. Store terminal configuration)
First, a configuration example of a store terminal according to a second modification will be described. FIG. 22 shows a configuration example of a store terminal 20a according to a second modification. As shown in FIG. 22, the store terminal 20a according to the second modification includes an input section 21, an output section 22, a sensor section 23, a communication section 24, a storage section 25, and a control section 26a. The store terminal 20a basically has the same configuration as the store terminal 20 according to the embodiment.

That is, the input section 21, output section 22, sensor section 23, communication section 24, storage section 25, and control section 26a included in the store terminal 20a according to the second modification are the input section included in the store terminal 20 according to the embodiment. 21, output section 22, sensor section 23, communication section 24, storage section 25, and control section 26, respectively. Further, the payment history storage section 250a and the user information storage section 250b that the storage section 25 has correspond to the payment history storage section 25a and the user information storage section 25b that the storage section 25 has, respectively. In addition, the inquiry unit 26a, acquisition unit 26b, determination unit 26c, identification unit 26d, and provision unit 26e included in the control unit 26a are the inquiry unit 26a, acquisition unit 26b, determination unit 26c, identification unit 26d, and and the application section 26e, respectively.

The store terminal 20a according to the second modification differs from the store terminal 20 according to the embodiment in that the control section 26a does not include a profit giving section 26f, and that it includes a profit receiving section 26h. ing. The profit receiving unit 26h receives the profit granted from the profit granting unit 135 of the information processing device 100a.

(6-3. Configuration of information processing device)
Hereinafter, a configuration example of the information processing device 100a according to the second modification will be described. FIG. 23 shows a configuration example of an information processing device according to a second modification. As shown in FIG. 10, the information processing device 100a includes a communication section 110, a storage section 120, and a control section 130a. The information processing device 100a basically has the same configuration as the information processing device 100 according to the embodiment.

That is, the communication unit 110, storage unit 120, and control unit 130a included in the information processing device 100a according to the second modification are the same as the communication unit 110, storage unit 120, and control unit 130a included in the information processing device 100 according to the embodiment. corresponds to each. Further, the history information storage unit 121, model storage unit 122, correspondence table storage unit 123, and disclosure setting storage unit 124 included in the storage unit 120 are connected to the history information storage unit 121, model storage unit 122, and correspondence table included in the storage unit 120. They correspond to the storage section 123 and the disclosure setting storage section 124, respectively. Further, the receiving section 131, the confirmation processing section 132, and the providing section 133 included in the control section 130a correspond to the receiving section 131, the confirmation processing section 132, and the providing section 133 included in the control section 130, respectively.

The information processing apparatus 100a according to the second modification is different from the information processing apparatus 100 according to the embodiment in that the control section 130a does not include the profit receiving section 134 and the profit giving section 135 is included. They are different. The profit granting unit 135 grants profits to the store terminal 20a. This profit is a profit given to the store in connection with the providing unit 133 providing the result of the confirmation process to the store. The amount given by the store terminal 20 to the information processing device 100 may be constant or may be varied based on the payment amount, the content of benefits such as coupons, and the content of user information. Since the profit giving unit 135 gives a profit in connection with providing the result of the confirmation process to the store, it may first give the profit and then obtain the result of the confirmation process. For example, a tour trip may be provided as a profit first, and then the behavior history of the tour trip may be acquired.

(6-4. Processing procedure according to second modification)
Hereinafter, the procedure of the information providing process executed by the information processing apparatus 100a according to the second modification will be described. FIG. 24 shows an example of the procedure of the information providing process executed by the information processing apparatus 100a according to the second modification. The processing procedure shown in FIG. 24 is executed by the control unit 130a of the information processing device 100a. The processing procedure shown in FIG. 24 is repeatedly executed while the information processing device 100a is in operation. Among the processing steps shown in FIG. 24, the processing from step S101 to step S105 and step S106 is the same as the processing from step S101 to step S105 and step S106 described with reference to FIG. In the second modification, a process (step S111) for giving a profit to the store terminal 20a is added after the process in step S105 or step S106.

By the way, as a result of the confirmation process, various information may be transmitted as the result of the confirmation process, instead of the result of the confirmation process as to whether or not a reward may be given to the user U1. FIG. 25 shows another example of the procedure of the information providing process executed by the information processing apparatus 100a according to the second modification. The processing from step S101 to step S108 and step S110 is the same as the processing from step S101 to step S108 and step S110 described with reference to FIG. In the second modification, a process (step S111) for giving a profit to the store terminal 20a is added after the process in step S108 or step S110.

In addition, in the embodiment, the first modification example, and the second modification example described above, a link is included in the coupon given as a reward, and the fact that the user taps the link is stored in the information processing device 100 or 100a as a history. You can do it like this. Alternatively, a tracker may be included in the coupon given as a reward, and subsequent user actions may be stored in the information processing device 100a as a history. The user's location information may be tracked, and, for example, a coupon may be given when a user uses a particular railway line, or the payment amount may be discounted after the fact.

[7. Third modification]
A third modification of the embodiment will be described below. In the embodiment described above, rewards are given to store terminals or information processing devices that contribute to transactions such as purchases. On the other hand, in the third modification, the main purpose of the information processing device is to collect data regarding users, and a profit is given to the data provider.

FIG. 26 is a diagram showing an overview of information processing according to the third modification. As shown in FIG. 26, the information processing system SYS-D according to the third modification includes a user terminal 10, a store terminal 20, and an information processing device 100.

As shown in FIG. 26, the user U1 operates the user terminal 10 to present coupon information corresponding to the product A to be traded, and also presents code information for code payment to the store ( Step S31). The store terminal 20 reads the coupon information and code information displayed on the user terminal 10 (step S32). Then, the store terminal 20 transmits transaction information including the payment service user ID read from the code information to the payment server 30 (step S33). The above is the same as the processing described with reference to FIG.

Further, the store terminal 20 transmits an inquiry regarding the user U1 to the information processing device 100 (step S34a). This inquiry includes transaction information that is information about product A that is a transaction target.

When the information processing device 100 receives an inquiry regarding the user U1 from the store terminal 20, the information processing device 100 checks user information regarding the user U1's interest in the transaction object based on the usage history of the online service linked to the user U1. At the same time, history information indicating that the user U1 purchased the product A is stored (step S35a). Then, the information processing device 100 transmits the result of the confirmation process to the store terminal 20 (step S36). The result of this confirmation process is whether or not a reward can be given to the user U1 based on the usage history of the online service linked to the user U1. Furthermore, with the permission of the user U1, various information may be transmitted as a result of the confirmation process. Further, the information processing device 100 gives a profit to the store terminal 20 (step S39a). This profit is a profit that the information processing device 100 gives to the store terminal 20 as compensation for the contribution of providing the data for the store terminal 20 providing the transaction information of the user U1. Further, this profit can also be said to be a profit given to the store terminal 20 in connection with providing the result of the confirmation process to the store terminal 20.

[8. Hardware configuration]
Further, the information processing apparatus and store terminal according to the embodiment and each modification described above are realized by, for example, a computer 1000 having a configuration as shown in FIG. 27. FIG. 27 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device and the store terminal according to the embodiment and the modification.

The computer 1000 is connected to an output device 1010 and an input device 1020, and has an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 connected by a bus 1090. has.

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

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various information such as a monitor or printer, and is, for example, a USB (Universal Serial Bus), a DVI (Digital Visual Interface), This is realized using a connector compliant with standards 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, a USB.

Note that the input device 1020 is, for example, an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or 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. Furthermore, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends it to computing device 1030, and also sends data generated by computing device 1030 to other devices via network N.

Arithmetic device 1030 controls output device 1010 and input device 1020 via output IF 1060 and input IF 1070. For example, the arithmetic device 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 processing device 100 according to the embodiment, the arithmetic device 1030 of the computer 1000 performs control by executing a program (for example, an information processing program) loaded on the primary storage device 1040. It realizes the same function as the section 130. That is, the arithmetic device 1030 realizes processing by the information processing device 100 according to the embodiment in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

Further, for example, when the computer 1000 functions as the information processing device 500 according to the modification, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. , realizes the same functions as the control unit 530. That is, the arithmetic device 1030 realizes processing by the information processing device 500 according to the modified example in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

Further, for example, when the computer 1000 functions as the store terminal 20 according to the embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. It realizes the same function as the control unit 26. That is, the arithmetic device 1030 realizes processing by the store terminal 20 according to the embodiment in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

Further, for example, when the computer 1000 functions as the store terminal 200 according to the modified example, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040. It realizes the same functions as the control unit 260. That is, the arithmetic device 1030 realizes the processing by the store terminal 200 according to the modification in cooperation with a program (for example, an information processing program) loaded onto the primary storage device 1040.

[9. others]
In the above-described embodiments or modified examples, the information processing executed at the store terminal 20 or 20a may be executed by the store terminal 20 or 20a and the payment server 30 in cooperation with each other, or may be executed by the payment server 30. Good too.

Among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, or all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods. In addition, information including the processing procedures, specific names, and various data and parameters shown in the above documents and drawings may be changed arbitrarily, unless otherwise specified.

Furthermore, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Further, each of the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[10. effect]
The store terminal 20 according to the embodiment includes an inquiry section 26a, an acquisition section 26b, a grant section 26e, and a profit grant section 26f. The inquiry unit 26a makes an inquiry regarding user information to a provided information processing device that provides user information regarding the interests of a user who makes a payment for a transaction object. The acquisition unit 26b acquires information based on user information regarding the user's interest in the transaction object from the provided information processing device from the action history linked to the user. The granting unit 26e grants a reward to the user based on the information acquired by the acquiring unit 26b. The profit granting unit 26f gives a profit to the provided information processing device in response to the acquisition by the acquisition unit 26b of the information based on the user information from the provided information processing device.

Further, the store terminal 20 is operated by an operator different from the operator who operates the provided information processing device.

For this reason, the store terminal 20, which is a payment information processing device, can increase the possibility that the user will use benefits such as coupons. In particular, the store terminal 20, which is a payment information processing device, is operated by a different operator from the operator who operates the provided information processing device, and the operator of the store terminal 20 does not know the behavior of its users. There is. Therefore, by receiving information linked to the user's behavior from the provided information processing device, it is possible to provide benefits to users who are likely to use benefits such as coupons.

The information processing device 100a according to the embodiment includes a reception section 131, a confirmation processing section 132, a provision section 133, and a benefit provision section 135. The reception unit 131 receives inquiries regarding users who make payments for transaction objects from stores that provide transaction objects. When the inquiry is accepted, the confirmation processing unit 132 acquires user information regarding the user's interest in the transaction object from the action history associated with the user, and performs a confirmation process to confirm the acquired user information. Execute. The providing unit 133 provides the store with the results of the confirmation process. The profit granting unit 135 grants a profit to the store in connection with the providing unit 133 providing the store with the result of the confirmation process.

The reception unit 131 also receives inquiries from the store regarding the user's interest in the transaction object. When the inquiry is accepted, the confirmation processing unit 132 executes confirmation processing to confirm whether or not the user has an interest in the transaction object based on the user information. The providing unit 133 provides the store with information indicating whether or not the user has an interest in the transaction object as a result of the confirmation process.

The confirmation processing unit 132 also performs a confirmation process to confirm whether the user has an interest in the transaction object using a trained model that estimates the degree of interest in the transaction object based on the behavior history. Execute.

The reception unit 131 also receives inquiries regarding the user profile of the user from the store. When the inquiry is accepted, the confirmation processing unit 132 generates persona information representing a user image that reflects the result of the confirmation process. The providing unit 133 provides the persona information generated by the confirmation processing unit 132 to the store.

Further, the confirmation processing unit 132 generates persona information according to the attributes of the store.

For this reason, the information processing device 100a according to the embodiment distinguishes the end user's offline behavior and online behavior by the processing executed by each of the above-mentioned units or by a combination of the units. Through organic cooperation, it is possible to provide useful information that can be used as a reference when considering the confirmation result of whether or not to grant a benefit to the end user or the granting of a benefit.

As mentioned above, the embodiments of the present application have been described in detail based on several drawings, but these are merely examples, and various modifications and variations can be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

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

N Network SYS-A, SYS-B, SYS-C, SYS-D Information processing system 10 User terminal 20, 20a, 200 Store terminal 21, 210 Input section 22, 220 Output section 23, 230 Sensor section 24, 240 Communication Parts 25, 250 Storage part 25a, 250a Payment history storage part 25b, 250b User information storage part 26, 260 Control part 26a, 260a Inquiry part 26b, 260b Acquisition part 26c, 260c Determination part 26d, 260d Specification part 26e, 260e Grant Section 26f, 260f Profit Granting Section
260g Verification Department
26h Profit receiving unit 100, 100a, 100b, 500 Information processing device 110, 510 Communication unit 120, 520 Storage unit 121, 521 History information storage unit 122, 522 Model storage unit 123, 523 Correspondence table storage unit 124, 524 Disclosure setting storage Department
525 Proof information storage section 130, 530 Control section 131, 531 Reception section 132, 532 Confirmation processing section 133, 533 Providing section 134, 534 Profit receiving section
135 Profit Granting Department
535 Proof processing section

Claims (9)

an inquiry unit that makes an inquiry regarding the user information to a provided information processing device that provides user information regarding the interests of a user who makes a payment for a transaction object;
an acquisition unit that acquires information based on user information regarding the user's interest in the transaction object from the provided information processing device from the action history linked to the user;
a granting unit that grants a reward to the user based on the information acquired by the acquisition unit;
A payment information processing characterized in that the acquisition unit includes a benefit granting unit that grants a profit to the provided information processing device for acquiring information based on the user information from the provided information processing device. Device. The payment information processing device according to claim 1, wherein the payment information processing device is operated by a different operator from the operator who operates the provided information processing device. a reception department that receives inquiries from stores providing transaction objects regarding users who make payments for said transaction objects;
If the inquiry is accepted, a confirmation process is executed to obtain user information regarding the user's interest in the transaction object from the action history associated with the user, and to confirm the obtained user information. a confirmation processing unit to
The present invention further includes: a providing unit that provides the store with the result of the confirmation process; and a profit giving unit that provides a profit to the store in connection with the providing unit providing the store with the result of the confirmation process. Featured information processing device. The reception department is
receiving an inquiry from the store regarding the user's interest in the transaction object;
The confirmation processing unit is
If the inquiry is accepted, executing a confirmation process to confirm whether the user has an interest in the transaction object based on the user information;
The provision department is
The provided information processing device according to claim 3, wherein information indicating whether or not the user has an interest in the transaction object is provided to the store as a result of the confirmation process. The confirmation processing unit includes:
executing a confirmation process to confirm whether or not the user has an interest in the transaction object using a trained model that estimates a degree of interest in the transaction object based on the action history; The provided information processing device according to claim 4. The reception department is
Receiving an inquiry from the store regarding the user image of the user,
The confirmation processing unit includes:
If the inquiry is accepted, generate persona information representing a user image that reflects the results of the confirmation process;
The provision department is
The provided information processing device according to claim 3, wherein the persona information generated by the confirmation processing unit is provided to the store. The confirmation processing unit includes:
The provided information processing device according to claim 6, wherein the persona information is generated according to attributes of the store. An information processing method performed by a computer, the method comprising:
an inquiry step of making an inquiry regarding the user information to a provided information processing device that provides user information regarding the interests of a user who makes a payment for a transaction object;
an acquisition step of acquiring information based on user information regarding the user's interest in the transaction object from the provided information processing device from the action history linked to the user;
a granting step of granting a reward to the user based on the information acquired in the acquiring step;
An information processing method characterized by comprising: in the acquisition step, a benefit granting step is provided to the provided information processing device for acquiring information based on the user information from the provided information processing device. . to the computer,
an inquiry procedure for making an inquiry regarding the user information to a provided information processing device that provides user information regarding the interests of a user who makes a payment for a transaction object;
an acquisition step of acquiring information based on user information regarding the user's interest in the transaction object from the provided information processing device from the action history linked to the user;
a granting step of granting a reward to the user based on the information acquired in the acquiring step;
The information processing is characterized in that, in the acquisition step, a profit granting step is performed to give a profit to the provided information processing device for acquiring information based on the user information from the provided information processing device. program.

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