JP7209888B1 - program and method - Google Patents

Abstract

A program and method capable of enhancing effectiveness in detecting fraudulent transactions are provided. A program for displaying, on an information processing device having a display device, information related to a transaction history of an electronic payment service provided by cooperation between a payment application and a payment server, wherein the electronic payment service is , deposit, settlement, withdrawal, and user-to-user remittance services, wherein the information processing device communicates with a database system storing the transaction history of the electronic payment service; and information obtained by the communication. Statistical information on at least one of the time-series transaction history and withdrawal history, and at least one of the deposit, settlement, and inter-user remittance for the designated user based on A program for executing a process for displaying mutually comparable data. [Selection drawing] Fig. 7

Description

The present invention relates to programs and methods.

Conventionally, inventions of computerized risk management methods and risk management systems for facilitating analysis and quantification of risks associated with financial transactions have been disclosed (Patent Document 1). The system generates a risk index or other rating based on weighted algorithms applied to the criteria.

Japanese translation of PCT publication No. 2005-509196

In recent years, the Financial Services Agency has announced guidelines on money laundering, and there is growing interest in preventing money laundering among fund transfer companies, bank companies, credit card companies, and the like. Although the technology described in Patent Document 1 calculates the risk index automatically, in order to prevent fraudulent transactions such as money laundering, it is more effective to leave it to human judgment in the end. is often higher.

SUMMARY OF THE INVENTION The present invention has been made in view of such circumstances, and one of its objects is to provide a program and method that can improve the effectiveness of detecting fraudulent transactions.

One aspect of the present invention is a program for displaying, on an information processing device having a display device, information related to a transaction history of an electronic payment service provided by cooperation between a payment application and a payment server, wherein the electronic The settlement service includes at least deposit, settlement, withdrawal, and user-to-user remittance services. The information processing device communicates with a database system storing the transaction history of the electronic settlement service, and the information obtained by the communication. Statistical information on at least one of the time-series transaction history and the withdrawal history, and the deposit, settlement, and remittance between users, based on the information provided by the designated user. and a process of displaying them in a mutually comparable manner.

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to improve the effectiveness of discovering fraudulent transactions.

1 is a diagram showing an example of a configuration when the present invention is applied to an electronic payment service; FIG. 1 is a sequence diagram (1) illustrating a rough flow of electronic payment; FIG. FIG. 2 is a sequence diagram (part 2) exemplifying a rough flow of electronic payment; 1 is a configuration diagram of a settlement server 100 according to a first embodiment; FIG. 4 is a diagram showing an example of contents of user information 172. FIG. 4 is a diagram showing an example of contents of member store/store information 176. FIG. 2 is an overall view of a display screen IM displayed by an information processing apparatus 200; FIG. It is a figure which shows an example of the content of a transaction summary. It is a figure which shows an example of the content of transaction history. FIG. 10 is a diagram showing an example of the contents of a deposit summary; FIG. 10 is a diagram showing an example of the content of a settlement summary; It is a figure which shows an example of the content of the history of payment|withdrawal. FIG. 10 is a diagram showing an example of the content of inter-user remittance summary; It is a figure which shows an example of the content of a map display.

Hereinafter, embodiments of the program and method of the present invention will be described with reference to the drawings. The program and method of the present invention are applicable to electronic payment services. An electronic payment service is provided through cooperation between an application program and a payment server. In the following description, the application program will be called a payment application. An electronic payment service is a service that supports payment related to purchase of goods and services at a store. The store is, for example, a physical store (actual store) that exists in the real space, but may also include a virtual store for electronic commerce. Virtual stores may include those provided by entities other than the operator of the electronic payment service. In that case, the screen is controlled to transition to the interface screen of the electronic payment service at the time of payment for shopping at the virtual store. In the electronic payment service, a store is treated as belonging to, for example, a member store (brand), and processing such as settlement when a purchase is made at the store is mainly performed between the user and the member store. Alternatively, processing such as settlement may be performed between the user and the store.

[Electronic payment service]
FIG. 1 is a diagram showing an example of a configuration when the present invention is applied to an electronic payment service. An electronic payment service is implemented centering on the payment server 100 . The settlement server 100 connects, for example, one or more user terminal devices 10, one or more first shop terminal devices 50, one or more second shop terminal devices 70, and one or more information processing devices 200 to a network NW. Communicate via The network NW includes, for example, the Internet, a LAN (Local Area Network), wireless base stations, provider devices, and the like. The program and method of the present invention are executed by/in the information processing device 200 . Communication between the settlement server 100 and the information processing device 200 may be performed via a private communication network different from the Internet or the like.

The user terminal device 10 is, for example, a portable terminal device such as a smart phone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), and the like. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates in cooperation with the payment server 100 to provide electronic payment services to the user. The payment application 20 is installed in the user terminal device 10 from an application store, for example, and controls a camera, a communication device, a touch panel, and the like.

The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the POS device may realize the product price acquisition function and the optical reading function. The store code image 60 is placed in a store and is a code image such as a QR code (registered trademark) printed on a medium such as paper or plastic. Note that the store code image 60 may be displayed on a display placed in the store (a display of a terminal device such as a smart phone may be used).

The second store terminal device 70 is used by the member store operator. The second store terminal device 70 is a smart phone, a tablet terminal, a personal computer, or the like. A member store interface 72 operates on the second store terminal device 70 . The merchant interface 72 may be a merchant application or a browser. The member store interface 72 accepts coupon settings and the like from the member store operator and transmits them to the settlement server 100 . The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image and reading a code image displayed by the user terminal device 10 by executing an application for member stores. have.

The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50 . The first store terminal device 50 may include a POS device and a member store server. In this case, payment information is transmitted from the POS device to the payment server 100 via the member store server. In the following explanation, it is assumed that the payment information is transmitted from the first store terminal device 50 without distinguishing between them.

2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two types of electronic payment: pattern 1 and pattern 2.

In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the shop code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. The store URL is a domain of the electronic payment service to which information that can identify the store is added, and is associated with the member store ID, the store ID, and the like in the settlement server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 retrieves store information (described later) from the member store ID and store ID corresponding to the store URL, acquires the member store name and store name information (S3), and transmits them to the settlement application 20 (S4). . The user inputs the settlement amount into the user terminal device 10 on the screen displaying the member store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits the second payment information to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). When the store code image 60 is displayed on a display placed in a store, the store code image 60 may include not only the store URL but also the payment amount information. In this case, the procedure for the user to input the settlement amount is omitted, and the information of the settlement amount is included in the first settlement information and transmitted to the settlement server 100 . Information on the name of the member store and the name of the store may be included and displayed on the payment completion screen.

In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is activated, when a payment operation is performed in the payment application 20, and when the automatic update timing (for example, every minute) comes. , and at other timings, the payment application 20 transmits a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or barcode generated based on the one-time code (S14). The user holds up (presents) the display surface of the user terminal device 10 to the first store terminal device 50, and the first store terminal device 50 decodes the code image by the optical reading function and acquires the one-time code and the like. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, member store ID, store ID, etc., and transmits the payment information to the payment server 100 (S16). The information on the payment amount is acquired in advance by reading a bar code, manually inputting it, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information, and performs electronic payment (S17). The payment server 100 then transmits a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

It should be noted that electronic payment may be performed using only one of the above patterns. Also, the "account ID" described in FIG. 2 may be other information (such as a telephone number) that can be used as user identification information. Alternatively, the issuance of the one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In that case, the settlement server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[Settlement server]
FIG. 4 is a configuration diagram of the settlement server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. Components other than communication unit 110 and storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device.

The storage unit 170 is an HDD, flash memory, RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that can be accessed by the settlement server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, member store/store information 176, and the like.

The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

The payment content providing unit 120 has, for example, a function of a web server, and provides the user terminal device 10 with information (contents) for displaying various screens of the electronic payment service. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10 . The user terminal device 10 accepts various inputs from the user while the content is being reproduced by the payment application 20 , and transmits the above-described payment information and the like to the payment server 100 .

The payment processing unit 130 performs payment processing based on the payment information transmitted from the user terminal device 10 or the first store terminal device 50 . The payment processing unit 130 performs payment processing while referring to the user information 172 .

FIG. 5 is a diagram showing an example of the contents of the user information 172. As shown in FIG. The user information 172 is an example of user registration information. User information 172 includes, for example, user URL, account ID, phone number, password, email address, user ID, name/address/date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment Information such as usage amount, available deferred payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, withdrawal history information, and remittance history information between users are associated. . The user URL is used for remittance processing between users. When registering for the electronic payment service, it is mandatory to register a phone number and password. The account ID is issued to the user by the settlement server 100, and the user ID is an ID that can be set arbitrarily by the user (does not need to be set). Likewise, the e-mail address, name, address, and date of birth are information that can be arbitrarily set by the user (they do not have to be set). The registration date is the date when the user registers for the electronic payment service (the date when the account is created). Hereinafter, a user instance (electronic settlement account) associated with these pieces of information will be referred to as an account.

The charge balance is information indicating the balance of electronic money set by the user depositing money into the account in advance. The deferred payment setting is information indicating whether or not the setting for enabling electronic settlement by deferred payment has been completed, and is set to either "done" or "not completed". The deferred payment limit is the maximum amount of deferred payment that can be used each month, the amount of deferred payment is the amount of deferred payment that has already been used in the current month, and the available deferred payment amount is calculated by subtracting the amount of deferred payment from the deferred payment limit. , is the amount of deferred payment available in the current month. Although only one deferred payment frame is shown in the figure, there are actually more daily upper limits and the like, and the lower one of them may be set as the deferred payment frame. Further details of postpayment are provided below. The payment method setting is setting information indicating whether the user will make an electronic payment based on the charge balance at that point in time or make a payment by deferred payment. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can deposit money into the electronic payment service.

The charge history information is a history of the user's advance remittance to the electronic settlement service to increase the charge balance (deposit). Methods to increase the charge balance include depositing cash from an ATM installed at a convenience store, etc. (hereinafter referred to as ATM deposit), depositing from a bank account, or using an affiliated credit card. Information on how the charge balance was increased is also stored. The payment history information is information indicating details of payments made by the user (date and time, shop ID of the shop where the purchase was made, payment amount, payment method, etc.) for each payment. The withdrawal history information is information indicating the history of withdrawals made by the user from the charge balance to the bank account. The user-to-user remittance history information is information indicating a history of a user transferring (remitting) a part or all of the charge balance to another user or receiving a transfer (receiving money). These pieces of information are objects to be processed by the information processing apparatus 200, and will be described later in detail.

FIG. 6 is a diagram showing an example of the contents of the member store/store information 176. As shown in FIG. The member store/store information 176 includes, for example, a first table 176A in which store URLs are associated with member store IDs and store IDs, and member store names and sales proceeds (described above) are associated with member store IDs. and a third table 176C in which store IDs are associated with store IDs. The member store/store information 176 may include, in addition to this information, information such as the category of the member store or store, the location of the store, and the payment pattern.

The information management unit 140 manages user information 172 and member store/store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70 . The information management unit 140 adds, edits, and deletes new records for the user information 172 and member store/store information 176 .

[Electronic payment]
When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 and acquires the user's "settlement method setting." The payment processing unit 130 performs electronic payment as follows for a user whose "payment method setting" is set to "charge balance". The payment processing unit 130 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales proceeds of the member store. For example, the item value of the sales proceeds of the member store is not used as electronic money per se, but the amount corresponding to the item value of the sales proceeds is calculated in a cycle according to the agreement between the member store and the electronic payment service. transferred to a bank account.

The payment processing unit 130 performs electronic payment as follows for a user whose "setting information" is set to "pay later". Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service is the creditor. , allows electronic payment independent of the charge balance within the deferred payment frame. In order to receive the deferred payment service, it may be necessary to obtain a credit card provided by the operator of the electronic payment service. The amount used for the deferred payment is collected for one month and settled on the next month's payment date, for example, by debiting from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the deferred payment usage amount and subtracting the same amount from the deferred payment available amount. process to withdraw to If the settlement amount exceeds the postpaid available amount at the time of provisional settlement, an error notification is sent back to the settlement application 20 .

Deposits, withdrawals, and remittances are processed by the information management unit 140, for example. Since these are well-known contents, detailed description is omitted.

[Information processing device]
Returning to FIG. 1, the information processing device 200 includes, for example, a communication unit 210, a display device 220, an input device 230, a processor 240, and a storage unit 250. The storage unit 250 is, for example, an HDD, flash memory, RAM, or the like. A program 252 is stored in the storage unit 250 .

The communication unit 210 is a communication interface for connecting to the network NW. The communication unit 210 is, for example, a network interface card. The display device 220 is various display devices. The input device 230 is a keyboard, mouse, touch panel, or the like. Processor 240 is a processor such as a CPU.

By executing the program 252, the processor 240 causes the information processing device 200 having the display device 220 to display information related to the transaction history of the electronic payment service provided by the cooperation of the payment application 20 and the payment server 100. . As partially described above, electronic payment services include at least deposit, settlement, withdrawal, and user-to-user money transfer services. In the following description, when "the processor 240" is written, it is assumed that the processor 240 operates "by executing the program 252".

The processor 240 communicates via the communication unit 210 with a database system that stores the transaction history of the electronic payment service. The database system includes, for example, the communication unit 110, the information management unit 140, and the storage unit 170 (especially the user information 172) of the settlement server 100. FIG. The information management unit 140 extracts necessary information from the user information 172 and provides it to the information processing device 200 in response to a request from the information processing device 200 .

Based on the information obtained by communication with the settlement server 100, the processor 240 processes the time-series transaction history, the deposit, the settlement, the withdrawal, and the inter-user remittance for the designated user. are displayed on the display device 220 so that they can be compared with each other.

FIG. 7 is an overall view of the display screen IM displayed by the information processing device 200. As shown in FIG. The display screen IM includes, for example, an input field I1 for inputting a user's account ID (designating a user) and a selection field S1 for selecting a target period. The information processing device 200 displays the information corresponding to the account ID entered in the entry field I1 and the target period selected in the selection field S1 in areas A1 to A8 below so as to be comparable. The illustrated screen configuration may be viewed in its entirety by scrolling. In the following description, "summary" means statistical information obtained by performing statistical processing or the like on original data.

A transaction summary is displayed in area A1. FIG. 8 is a diagram showing an example of the contents of a transaction summary. The transaction summary may include, for example, the number of transactions by transaction type, the ratio of the number of transactions for that user compared to the average number of transactions for all users, the average amount, the average amount for that user compared to the average amount for all users The amount ratio, the total amount, the ratio of the user's total amount compared to the average total amount of all users, the user's maximum amount, etc. are displayed.

User attribute information is displayed in the area A2. Attribute information includes, for example, nationality, occupation, age, transaction purpose, rating (credit information), location (address or place of work), and the like. By displaying in this way, when there is a high correlation between the tendency of attribute information and fraudulent transactions, it is possible for the operator to efficiently discover users having specific attribute information.

A transaction history is displayed in the area A3. FIG. 9 is a diagram showing an example of the contents of a transaction history. The transaction history is information displayed in chronological order. For example, for date (and time), transaction type, status, amount, remarks, combination of transaction history from previous transaction to current transaction. (combination of two temporally consecutive transaction histories). In the remarks column, if the ATM deposit was made, the location of the ATM, if the money was transferred or received between users, the account ID of the other user, and if the deposit was made from a bank account, The name of the bank and branch, and information on the place of payment (in the case of electronic commerce, the operator, etc.) when the payment is made are displayed. In transaction histories, when a combination of two temporally consecutive transaction histories is a combination of different types of transaction histories having a predetermined relationship set by the operator, the combination of the two transaction histories is highlighted. you can By performing display in this way, it is possible to allow the operator to efficiently discover an act suspected of being fraudulent.

A deposit summary is displayed in area A4. FIG. 10 is a diagram showing an example of the content of the deposit summary. The deposit summary includes, for example, information such as the total number of deposits, average amount, amount ratio, etc. for each deposit type. In the deposit summary, information about ATM deposits (all of them or a percentage of the amount) may be highlighted. Since ATM deposits are highly confidential transactions that do not require personal identification or the like, displaying in this way enables the operator to efficiently discover acts suspected of being fraudulent.

A settlement summary is displayed in the area A5. FIG. 11 is a diagram showing an example of the contents of a settlement summary. The settlement summary includes, for example, information such as the total number of cases for each category/subcategory/brand name, average amount, total amount, and amount ratio. By operating the switch provided in the target selection frame A5-1 of the area A5, the granularity of the target store (store of interest) can be changed. By displaying in this way, it is possible for the operator to efficiently discover whether or not there is a payment history with a specific habit.

A region A6 displays a history of withdrawals. FIG. 12 is a diagram showing an example of the contents of a payment history. The history of withdrawals is, for example, information displayed in chronological order. It includes information such as a combination of transaction histories (a combination of two temporally consecutive transaction histories), the elapsed time since the previous transaction, and the elapsed time since the previous withdrawal. In the area A6, if the withdrawal is made after the deposit and the elapsed time from the previous transaction satisfies the predetermined condition, or if the elapsed time from the previous withdrawal satisfies the predetermined condition, the relevant part is highlighted. may be By performing display in this way, it is possible to allow the operator to efficiently discover an act suspected of being fraudulent.

A user-to-user remittance summary is displayed in area A7. FIG. 13 is a diagram showing an example of the contents of a user-to-user remittance summary. The remittance summary between users includes, for example, the number of other users registered as remittance recipients, the number of other users registered as remittance sources, the total number of remittances or receipts, the average amount, the total Includes information such as amount. By operating the switch provided in the target selection frame A7-1 of the area A7, information for each partner of remittance or receipt can be displayed. By displaying in this way, it is possible for the operator to confirm whether or not an unnaturally large amount of money has been sent to or received from a specific party.

A map display is displayed in the area A8. FIG. 14 is a diagram showing an example of the contents of map display. In the map display, an image indicating the location of the transaction history associated with the location in the transaction history of the designated user is displayed on the map. The transaction history associated with the location includes ATM deposits and settlements (not electronic commerce but at actual stores). Also, the location of the user may be displayed on the map display. In the map display, an image showing the location in a size corresponding to the transaction amount may be displayed for the transaction history associated with the location in the transaction history. In the figure, the location linked to the transaction history is displayed as a circle with a size corresponding to the transaction amount. By displaying in this way, it is possible for the operator to discover whether or not the information is being used unnaturally.

According to the embodiments described above, communication is performed with a database system storing transaction histories of electronic payment services, and time-series transaction histories and withdrawals of designated users are performed based on information obtained through communication. Displaying one of the histories and statistical information on at least one of deposits, settlements, and user-to-user remittances in a mutually comparable manner can increase effectiveness in detecting fraudulent transactions. .

As described above, the mode for carrying out the present invention has been described using the embodiments, but the present invention is not limited to such embodiments at all, and various modifications and replacements can be made without departing from the scope of the present invention. can be added.

10 User terminal device 20 Payment application 100 Payment server 110 Communication unit 120 Payment content providing unit 130 Payment processing unit 140 Information management unit 170 Storage unit 172 User information 200 Information processing device 240 Processor 250 Storage unit 252 Program

Claims (11)

A program for displaying, on an information processing device having a display device, information related to a transaction history of an electronic payment service provided by cooperation between a payment application and a payment server,
The electronic payment service includes at least deposit, settlement, withdrawal, and user-to-user remittance services,
In the information processing device,
a process of communicating with a database system storing a transaction history of the electronic payment service;
At least one of the transaction history and the withdrawal history in chronological order and the deposit, settlement, and remittance between users regarding the specified user, based on the information obtained by the communication. a process of displaying statistical information about one so that they can be compared with each other;
program to run the The information processing device further comprises
executing a process of displaying an image showing the location on a map with respect to the transaction history associated with the location in the transaction history of the specified user;
A program according to claim 1. In the process of displaying the location on the map on the information processing device,
displaying an image showing the location with a size corresponding to the transaction amount for the specified user;
3. A program according to claim 2. In the process of displaying the location on the map on the information processing device,
displaying an image showing the location of the specified user;
3. A program according to claim 2. The information processing device further comprises
executing a process of displaying the attribute information of the specified user stored in the database system;
A program according to claim 1. In the process of displaying the time-series transaction history on the information processing device,
If a combination of two temporally consecutive transaction histories is a combination of different types of transaction histories having a predetermined relationship, highlighting the combination of the two transaction histories;
A program according to claim 1. In the process of displaying the time-series withdrawal history on the information processing device,
Display the elapsed time since the last withdrawal,
A program according to claim 1. In the process of displaying the time-series withdrawal history on the information processing device,
display the elapsed time since the last transaction,
A program according to claim 1. In the process of displaying the statistical information of the payment on the information processing device,
Change the granularity of the store of interest according to the operation of the operator,
A program according to claim 1. In the process of displaying the statistical information of the user-to-user remittance on the information processing device,
display statistics by other users with whom you send or receive money;
A program according to claim 1. A method for an information processing device having a display device to display information related to a transaction history of an electronic payment service provided by cooperation between a payment application and a payment server,
The electronic payment service includes at least deposit, settlement, withdrawal, and user-to-user remittance services,
The information processing device
a process of communicating with a database system storing a transaction history of the electronic payment service;
At least one of the transaction history and the withdrawal history in chronological order and the deposit, settlement, and remittance between users regarding the specified user, based on the information obtained by the communication. a process of displaying statistical information about one so that they can be compared with each other;
how to run.

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