JP7254996B2 - Provision device, provision method and provision program - Google Patents

Description

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

2. Description of the Related Art Conventionally, techniques for providing various information to users via the Internet are known. As an example of such technology, a technology is known in which a service request from a service user is received on the Internet, one or more proposals satisfying the service request are received from a service provider, and sent to the service user. It is

JP 2018-060253 A

However, with the above-described technology, there are cases where it cannot be said that the user is provided with information on a service that is appropriate as a partner of the settlement service.

For example, the above-mentioned technology only proposes the services of stores such as restaurants, beauty salons, nail salons, etc., and provides users with information on appropriate services that are linked to payment services. I can not say.

The present application has been made in view of the above, and aims to provide users with information on services that are appropriate as partners for settlement services.

A provision device according to the present application includes an acquisition unit that acquires user information about a user to whom payment services are provided for a predetermined payment method, and based on the user information acquired by the acquisition unit, provides the payment service. a determining unit for determining, for each linked service, a priority for providing linked service information related to linked services that are collaboration destinations; and a providing unit for providing to the user via a providing platform.

According to one aspect of the embodiment, there is an effect that it is possible to provide the user with information on a service suitable as a partner of the settlement service.

FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. FIG. 2 is a diagram (1) showing an example of a screen of a user terminal according to the embodiment; FIG. 3 is a diagram (2) showing an example of a screen of the user terminal according to the embodiment; FIG. 4 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 5 is a diagram showing an example of an account database according to the embodiment. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the provision device, the provision method, and the provision program (hereinafter referred to as "embodiments") according to the present application will be described in detail below with reference to the drawings. Note that the provision device, the provision method, and the provision program according to the present application are not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
The providing process realized by the providing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of provision processing according to the embodiment. Note that in FIG. 1, the provision processing and the like according to the embodiment are realized by the settlement server 10, which is an example of the provision device according to the present embodiment.

As shown in FIG. 1, the provision processing system 1 according to the embodiment includes a payment server 10, a user terminal 100, a store terminal 200, and a service server 300. The settlement server 10, the user terminal 100, the store terminal 200, and the service server 300 are connected by wire or wirelessly via a network N (see FIG. 4, for example) so as to be able to communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The provision processing system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, a plurality of store terminals 200, and a plurality of service servers 300.

A settlement server 10 shown in FIG. 1 is an information processing device that executes provision processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

A store terminal 200 shown in FIG. 1 is an information processing device used by a business operator who provides a transaction target to a user. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 200 displays information distributed by the settlement server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in the store and manages product information related to products offered at the store. For example, the store terminal 200 manages the price of a product by associating it with information indicated by a barcode attached to the product (identification information (product ID) for identifying the product).

The service server 300 shown in FIG. 1 is an information processing device that provides services to users via a network N and manages the user's usage history of the provided services, and is realized by a server device, a cloud system, or the like. . Web services provided by the service server 300 include, for example, a search service, a navigation service, a news distribution service, an auction service, a weather forecast service, a shopping service, a finance service, a route search service, a map providing service, a travel service, and restaurants. It may be an introduction service, a facility reservation service, an SNS (Social Networking Service) service, a web blog service, or the like. Also, the service server 300 may provide a web service that distributes content related to various applications installed on the user terminal 100, for example. Specific examples of the service server 300 include a portal application, a navigation application, a news application, an auction site, a weather forecast application, a shopping application, a finance (stock price) application, a route search application, a map providing application, a travel application, and a restaurant application. A service for distributing contents related to a store introduction application, a facility reservation application, an SNS application, a blog browsing application, and the like may be provided.

Note that the service server 300 provides services to the user in an application (mini-app) started within an electronic payment application provided by the payment server 10 (hereinafter sometimes simply referred to as a “payment application”). may

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to notification processing executed by the payment server 10 . In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicating the store identification information C1 for identifying the store A. An example of settlement using the user terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code, but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store A clerk. Then, the user terminal 100 stores the user identification information identifying the user U1, the store identification information C1 (or the information indicated by the store identification information C1, that is, the store A (or the business operator M1 managing the store A)). (for example, store ID)) and payment information indicating the payment amount are transmitted to the payment server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen indicating that the payment has been completed or a predetermined voice.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be performed using the store terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or information indicated by the user identification information, that is, the user Payment information indicating information indicating U1 (for example, user ID), payment amount, and information identifying the store A is transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A, The fact that the payment has been made may be notified to the user terminal 100 by outputting a screen or a predetermined voice indicating that the payment has been completed.

Moreover, the settlement using the user terminal 100 is not limited to actual stores, and may be online settlement through API cooperation between the electronic settlement service provided by the settlement server 10 and any service, for example. In such a case, for example, the user terminal 100 stores user identification information that identifies the user U1, provider identification information that identifies the provider of the service, and the price (settlement amount) of the transaction object in the service. to the payment server 10. Then, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the provider indicated by the provider identification information. On the other hand, the fact that the payment has been made is notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U1 to an account of the store A, but also a credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the payment server 10 transfers the electronic money of the payment amount to the account of the store A, and requests the payment amount to the operating company (card company) of the credit card of the user U1. may

Also, the settlement using the user terminal 100 may be performed, for example, by direct account transfer from a bank account registered in advance by the user U1, like a so-called debit card. In such a case, for example, the settlement server 10 withdraws the settlement amount from the bank account of the user U1, charges the account of the user U1 in the electronic settlement with electronic money equivalent to the settlement amount, and charges the account of the store A. to transfer electronic money for the settlement amount.

[1-2. Overview of Embodiment]
Here, conventionally, as an example of technology for providing various information to users via the Internet, service requests requested by service users are received on the Internet, and one or more proposals are made to satisfy the service requests. A technique of receiving from a service provider and transmitting to a service user is known. However, such technology merely proposes store services, and cannot be said to provide users with information on services appropriate for cooperation with payment services.

Therefore, the settlement server 10 executes provision processing according to the embodiment. The provision processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Further, in the following description, the user terminal 100 may be identified with the user U1, and the store terminal 200 may be identified with the business operator M1. That is, hereinafter, the user U1 can be read as the user terminal 100, and the business operator M1 can be read as the shop terminal 200.

First, the payment server 10 acquires from the store terminal 200 payment information related to the payment made by the user U1 to the store A using the payment application described above (step S1). For example, the settlement server 10 can store the store ID of the store A, the product ID read from the barcode attached to the product by the store terminal 200 using a barcode reader or the like, and the user U1 displayed on the user terminal 100. Payment information including ID, payment amount, etc. is obtained from the store terminal 200 .

Subsequently, the service server 300 collects search histories indicating search queries input by the user U1 in various services provided to the user U1 (step S2). Subsequently, the settlement server 10 acquires the search history of the user U1 collected by the service server 300 (step S3).

Subsequently, the payment server 10 acquires information about the user U1 in the payment application from the user terminal 100 (step S4). For example, the payment server 10 stores information (personal information, etc.) for identity verification in a payment application, and a bank account (in other words, an electronic payment Acquire information about bank accounts linked to the service (hereinafter sometimes referred to as "charging accounts"). The payment server 10 also provides payment information related to payments made by the user U1 to each store using the above-described payment application, and location information of the user U1 when the payment is made (for example, user terminal 100 acquires position information positioned by GPS (Global Positioning System) possessed by .

Subsequently, based on user information about user U1 acquired from user terminal 100, shop terminal 200, service server 300, etc., payment server 10 collects linked service information about linked services to which the electronic payment service is linked. to the user U1 (step S5). In the example of FIG. 1, it is assumed that the payment server 10 provides information on a new bank that cooperates with the electronic payment service as the cooperation service information. In this case, the priority of cooperative service information relating to a bank other than the bank with which the user U1 has already cooperated with the electronic payment service and with which the user U1 is presumed to have an account is determined. For example, the payment server 10 gives higher priority to linked service information related to a bank with which the user is presumed to have an account based on the user's payment information, search history, personal information, location information, etc. Set high. To give a specific example, the payment server 10 is located in an area that serves as a base for user U1's consumption behavior using the payment application (for example, an area where user U1 resides, an area where user U1 commutes, etc.). ) is set higher than the linked service information about banks located in other areas. In addition, the settlement server 10 sets a higher priority for the linked service information as the search history of the user U1 includes more search queries related to the bank corresponding to the linked service information. In addition, the settlement server 10 sets the priority of the linked service information related to the local bank in the area where the user U1 resides higher than the linked service information related to other banks.

Subsequently, the settlement server 10 provides the cooperative service information to the user terminal 100 (step S6). Here, in the example of FIG. 1, it is assumed that the settlement server 10 receives a request for adding a charging account from the user terminal 100. FIG. In this case, the payment server 10 provides the user terminal 100 with content that displays cooperative service information related to banks other than banks with which the user U1 has already cooperated with the electronic payment service in a priority-based display mode.

Subsequently, the user terminal 100 displays a screen for selecting a cooperative service via the payment application based on the cooperative service information provided by the payment server 10 (step S7). Subsequently, the user U1 selects a desired cooperative service from among the cooperative services displayed on the user terminal 100 (step S8). For example, user U1 selects a bank in which he or she owns an account, and inputs information (for example, branch name, account number, etc.) for registering the account as a charging account into user terminal 100 .

Here, an example of a screen displayed by the user terminal 100 in the above embodiment will be described with reference to FIG. FIG. 2 is a diagram (1) showing an example of a screen of a user terminal according to the embodiment;

As shown in FIG. 2, the user terminal 100 displays a screen SC1 for adding a charging account. For example, the user terminal 100 has an area AR1 for entering a search query such as a bank name, and an area for selecting a partner bank. A screen SC1 is displayed that includes an area AR2, which is an area to be displayed according to priority, and an area AR3 to display each piece of cooperative service information (banner advertisement, etc.) according to the priority. As a specific example, the user terminal 100 displays, in the area AR2, the banks corresponding to the linked service information included in the top nine items of priority among the linked service information.

Here, if the area AR1 is selected, in other words, if the bank that the user U1 desires to cooperate with is not displayed in the area AR2 and the user U1 wishes to display another bank, the user The terminal 100 transitions the screen SC1 to the screen SC2. For example, the user terminal 100 has an area AR1 and an area for selecting a partner bank, which is an area for displaying the bank corresponding to the linked service information with the next highest priority to the one displayed in the area AR2. A screen SC2 including a certain area AR4 is displayed. In addition, when the user U1 inputs a search query in the area AR1, suggestions of banks corresponding to the search query may be displayed in descending order of priority of the corresponding cooperative service information.

Note that the cooperative service information displayed by the user terminal 100 is not limited to the mode of FIG. 2, and the cooperative service information may be displayed on any screen displayed by the payment application. Here, an example of a form of cooperative service information displayed by the user terminal 100 will be described with reference to FIG. FIG. 3 is a diagram (2) showing an example of a screen of the user terminal according to the embodiment;

As shown in FIG. 3, the user terminal 100 displays a screen SC3 as a home screen when the payment application is activated. For example, the user terminal 100 displays a screen SC3 that includes an area AR5 that displays mini-apps and the like started within the payment application, and an area AR6 that displays cooperative service information (banner advertisement). As a specific example, the user terminal 100 displays the linked service information in the area AR6 in descending order of priority.

Returning to FIG. 1, the description is continued. Subsequently, the settlement server 10 receives information indicating the cooperative service from the user terminal 100 (step S9). For example, the settlement server 10 receives from the user terminal 100 information indicating the bank selected by the user, information for registering a charge account, and the like.

Subsequently, the payment server 10 executes processing for linking the electronic payment service and the linked service (step S10). For example, the settlement server 10 associates the user ID of user U1 with the account indicated by the information received in step S9.

As described above, the payment server 10 according to the embodiment can provide cooperative service information based on the information of the user to whom the electronic payment service is provided. As a result, the settlement server 10 according to the embodiment can be used for users who tend to open accounts at local banks, such as users living in rural areas. information becomes noise, it is possible to provide information by suppressing such noise. In other words, the payment server 10 according to the embodiment has the effect of being able to provide the user with information on appropriate services as a partner of the payment service.

Further, when the user performs an operation to start searching for a bank other than the first displayed bank, the settlement server 10 according to the embodiment displays information about the next highest priority bank. do. As a result, the payment server 10 according to the embodiment can provide appropriate information to the user without requiring the user to perform complicated operations such as inputting a search query, thereby improving convenience. be able to.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 4 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 4 , the settlement server 10 has a communication section 20 , a storage section 30 and a control section 40 .

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, the service server, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage section 30 has an account database 31 and a user information database 32 .

(Regarding account database 31)
The account database 31 stores various information related to accounts owned by users, stores (businesses), etc. in the electronic payment service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 5 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 5, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, FIG. 5 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Regarding the user information database 32)
The user information database 32 stores various types of information regarding users of electronic payment services provided by the payment server 10 . An example of information stored in the user information database 32 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 32 has items such as "user ID", "linked service", "personal information", "attribute information", "search history", and "payment history".

"User ID" indicates identification information for identifying a user. "Linked service" indicates information about services linked to the electronic payment service. “Personal information” indicates information (for example, address) registered by the user for identity verification in the payment application. "Attribute information" indicates user attribute information (demographic attributes and psychographic attributes). "Search history" indicates the history of search queries input by the user in various services. "Payment history" indicates the history (payment information) of payments made using the electronic payment service, and has items such as "payment ID", "payee", "transaction target", and "payment amount", for example. .

"Payment ID" indicates identification information for identifying a payment. "Payee" indicates information on the payee (store ID, etc.). "Transaction object" indicates a transaction object that is the object of settlement. The "settlement amount" indicates the amount of settlement to the payee. "Position information" indicates the position of the user when the payment was made, and stores information such as the position measured by the user terminal 100 and the address of the shop to which the payment is made, for example.

That is, in FIG. 6, the user identified by the user ID "UID #1" has "linked service #1" as the service linked to the electronic payment service, and "personal information #1" as the personal information. is "attribute information #1", the search history is "search history #1", the payee of the settlement identified by the settlement ID "PID#1" is "payee #1", and the transaction target is "transaction target # 1”, the payment amount is “2,000 yen”, and the location information is “location information #1”.

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The control unit 40 according to the embodiment includes an acquisition unit 41, a payment processing unit 42, a learning unit 43, a determination unit 44, and a provision unit 45, as shown in FIG. Realize or perform the function or action of a process.

(Regarding the acquisition unit 41)
The acquisition unit 41 acquires user information about a user to whom a payment service regarding a predetermined payment method is provided. For example, in the example of FIG. 1, the acquisition unit 41 acquires user information about user U1 from the user terminal 100, the store terminal 200, the service server 300, etc., and stores it in the user information database 32. FIG. As a specific example, the acquisition unit 41 acquires the store ID of the store A, the product ID read from the barcode attached to the product by the store terminal 200 using a barcode reader or the like, and the product ID displayed on the user terminal 100. Payment information including the user ID of user U1, the amount of payment, etc. is obtained from the store terminal 200. FIG. Further, the acquisition unit 41 acquires from the service server 300 search histories indicating search queries input by the user U1 in various services provided to the user U1. In addition, the acquisition unit 41 acquires from the user terminal 100 information for identity verification in the payment application, information regarding a charging account in the payment application, and the like. In addition, the acquisition unit 41 acquires payment information related to payments made by the user U1 at each store using a payment application, and location information of the user U1 when the payment was made.

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information. For example, when payment information indicating the user identification information, the shop identification information, and the payment amount is transmitted from the user terminal 100, the payment processing unit 42 selects the shop from the account of the user indicated by the user identification information. The amount of electronic money indicated by the settlement amount is transferred to the store account indicated by the identification information. Further, when payment information indicating the user identification information, the payment amount, and the store identification information is transmitted from the store terminal 200, the payment processing unit 42 determines the store identification information from the account of the user indicated by the user identification information. The amount of electronic money indicated by the settlement amount is transferred to the account of the store indicated by the information.

(Regarding the learning unit 43)
The learning unit 43 creates a model so as to estimate the priority of each linked service based on the relationship between linked service information about linked services and user information about users who have already linked the linked services to payment services. let them learn For example, the learning unit 43 acquires the content of the service provided by the linked service, linked service information including groups (categories) into which the linked service is classified, and the position of the user who has linked the linked service to the electronic payment service. Priority of each linked service when user information is entered based on the relationship with user information including information, search history, payment history (transaction target, etc.), attributes, estimated life stage, etc. Train the model to estimate (output)

As a specific example, the learning unit 43 assigns priority to linked services that have more linked users among users whose degree of matching with user information input to the model is equal to or greater than a predetermined threshold. The model is trained so as to estimate . In other words, when user information is input, the learning unit 43 assigns a higher score (a score indicating a priority) to a linked service with more linked users among the users corresponding to the user information. In order to output, the model is trained using techniques such as back propagation.

To give a more specific example, when estimating the priority of a linked service belonging to the group “investment service” as a linked service, the learning unit 43 selects the language used by the user indicated by the user information input to the model. Also, the model is learned so that the higher the priority of the linked service, the higher the number of linked users among the users whose level of financial literacy and the degree of matching with the investment history are equal to or higher than a predetermined threshold. Here, the learning unit 43 further determines that the higher the priority of a specific linked service is estimated, the more the content of the services provided by the linked service (for example, financial products, interest rates, fees, handling currencies, etc.) matches. The model may be trained so as to estimate the priority of other linked services whose degrees are equal to or greater than a predetermined threshold. Further, the learning unit 43 further determines that the more users among users corresponding to the users indicated by the user information input to the model who are linked with a linked service belonging to the group "investment service", the more the group The model may be trained so as to estimate the priority of the linked service belonging to the "investment service".

Note that when learning a model based on the relationship between the linked service information about linked service #1 and user information #1 about user group #1 who has already linked linked service #1 to the electronic payment service, the learning unit 43 may perform model learning such that the higher the degree of matching between the user information input to the model and the user information #1, the higher the priority of the linked service #1. Here, the learning unit 43 further estimates that the higher the priority of the linked service #1, the higher the priority of the linked service whose degree of matching with the content of the service provided by the linked service #1 is equal to or greater than a predetermined threshold. The model may be trained to do so. Further, the learning unit 43 may learn the model so that the higher the priority of the linked service #1, the higher the priority of the linked service belonging to the group into which the linked service #1 is classified. .

In addition, the learning unit 43 may further cause the model to learn a combination of linked services and user information about a user who has linked each of the linked services included in the combination with the settlement service. For example, the learning unit 43 collects the user information of the user group #1 whose combination of linked services already linked to the electronic payment service and whose combination of linked services belonging to mutually different groups has a matching degree equal to or higher than a predetermined threshold value. The model learns the relationship between the service and the combination of the linked services. As a specific example, when the user information of user U1 is input to the model, the learning unit 43 determines the degree of matching between the user information of user U1 and the user information of user group #1. The higher is, the higher the priority of the linked services not linked by user U1 among the linked services linked by user group #1.

Any well-known technique can be applied to model learning, and a learning method appropriately selected according to the information to be acquired may be used. For example, model learning may be performed using various conventional machine learning techniques (for example, supervised machine learning techniques such as SVM (Support Vector Machine)). In addition, deep learning technology may be used for model learning. For example, various deep learning techniques such as RNN (Recurrent Neural Network) and CNN (Convolutional Neural Network) may be used for model learning.

(About decision unit 44)
Based on the user information acquired by the acquisition unit 41, the determining unit 44 determines the priority of providing the linked service information related to the linked service with which the payment service is linked, for each linked service. For example, the determination unit 44 refers to the user information database 32 and refers to cooperative service information related to financial institutions for depositing money into the user's account in the electronic payment service, and payment of the usage fee using the electronic payment service. Determines the priority of linked service information related to various services. To give a specific example, in the example of FIG. 1, the determining unit 44 determines that the user U1 is a bank other than a bank that has already cooperated with the electronic payment service, and that the user U1 has opened an account. Prioritize federated service information about probable banks.

Also, the determination unit 44 may determine the priority based on the location information of the user. For example, in the example of FIG. 1, the determining unit 44 sets the priority of the linked service information about the local bank in the area where the user U1 resides higher than the linked service information about other banks. do.

Also, the determination unit 44 may determine the priority based on the user's search history. For example, in the example of FIG. 1, the determination unit 44 sets the priority of the linked service information higher as the search history of the user U1 includes more search queries related to the bank corresponding to the linked service information.

Further, the determination unit 44 may determine the priority based on the history of payments made by the user using a predetermined payment method. For example, in the example of FIG. 1, the determination unit 44 determines the priority of the linked service information regarding the banks located in the area serving as the base of consumption behavior using the payment application of the user U1 to the priority of the linked service information related to the banks located in other areas. Set higher than the linked service information.

Note that the determination unit 44 may determine the priority based on the amount of payment made by the user using a predetermined payment method. For example, the determination unit 44 determines the priority of the linked service information related to a service that provides a financial product in a price range corresponding to the settlement amount or a service that provides an insurance product in a price range that corresponds to the settlement amount. Set higher than information.

Further, the determining unit 44 may determine the priority based on the transaction object for which the user has made payment using a predetermined payment method. For example, when the user purchases a bicycle, the determination unit 44 sets the priority of the linked service information related to insurance services that provide services related to bicycle insurance higher than that related to insurance services that do not provide services related to bicycle insurance. . Also, for example, when the user purchases baby goods, the determining unit 44 presumes that the user has given birth to a child, and sets the priority of the cooperative service information related to insurance services that provide services related to educational endowment insurance and medical insurance to Set higher than those for insurance services that do not provide education endowment insurance or medical insurance services.

Also, the determination unit 44 may determine the priority based on the attributes of the user. For example, the determination unit 44 prioritizes the linked service information based on attributes estimated based on the personal information registered by the user in the payment application, the transaction target purchased using the payment application, and the search history of the user. determine the degree. To give a specific example, if the attribute of the user is presumed to be "has a child," the priority of the linked service information related to insurance services that provide services related to educational endowment insurance and medical insurance is set to set higher than for insurance services that do not provide services for

Note that the determination unit 44 may set the priority of the linked service information related to the service linked to the payment service by another user having the attribute corresponding to the user higher than the priority of the other linked service information.

Here, it is conceivable that users would like to be provided with information on appropriate services from each group (category) into which each service is classified. Therefore, the determination unit 44 may determine the priority of providing each piece of cooperation service information in each group in which the cooperation service information is classified. For example, the determination unit 44 determines the priority of providing each linked service information in the group for each group such as "financial institution", "insurance service", "real estate service", and so on.

Note that the determination unit 44 may determine the priority of providing the cooperative service information based on the profit that the user can obtain. For example, when determining the priority of cooperative service information classified into groups such as "financial institution" and "insurance service", the determining unit 44 may determine the priority based on the interest rate.

Moreover, the determination unit 44 may determine the priority using a model learned by the learning unit 43 . For example, the determining unit 44 inputs the user information to the model learned by the learning unit 43, and sets the output priority for each linked service as the priority for providing the corresponding linked service information.

(Regarding the providing unit 45)
Based on the priority determined by the determination unit 44, the provision unit 45 provides the user with the cooperative service information via a platform that provides a predetermined payment method. For example, in the example of FIG. 1, the providing unit 45 provides the user terminal 100 with content for selecting a cooperative service via a payment application.

Further, the providing unit 45 may provide the cooperative service information in a display mode based on priority. For example, in the example of FIG. 1, the providing unit 45 displays the linked service information related to the bank other than the bank with which the user U1 has linked to the electronic payment service in a priority-based display mode. provide to

Further, when the providing unit 45 provides the first content indicating the linked service information whose priority is equal to or higher than the first threshold among the linked service information, and receives a predetermined operation on the first content from the user. may provide the second content indicating the linked service information whose priority is less than the first threshold and whose priority is equal to or higher than the second threshold among the linked service information. For example, as shown in FIG. 2, the providing unit 45 provides content (screen SC1) indicating banks corresponding to the linked service information included in the top nine priority among the linked service information, and user U1's operation. is displayed on the user terminal 100 in response to the request, and the content (screen SC2) indicating the bank corresponding to the linked service information with the next highest priority among the top nine items is provided.

In addition, the providing unit 45 may provide the second content when receiving from the user an operation related to searching for linked service information other than the linked service information indicated by the first content. For example, as shown in FIG. 2, the providing unit 45 provides content (screen SC2) displayed on the user terminal 100 when the user selects an area AR1 for inputting a search query such as a bank name. do.

In addition, the providing unit 45 may provide cooperative service information regarding a financial institution that deposits money into a user's account in a settlement service. For example, in the example of FIG. 1, the providing unit 45 provides cooperative service information regarding the charging account.

Further, the providing unit 45 may extract cooperation service information for each group based on the priority within the group, and provide the extracted cooperation service information. For example, the providing unit 45 selects “financial institution”, “insurance service”, “financial institution”, “insurance service”, etc. based on the priority of each cooperative service information within the group such as “financial institution”, “insurance service”, “real estate service”, and so on. , "real estate service", . . . , and provides the extracted linked service information to the user.

Further, the providing unit 45 may extract cooperation service information for each group having a predetermined relationship among the groups, and provide the extracted cooperation service information. For example, the providing unit 45 extracts the linked service information for each group having relevance to the context of the user based on the user information, and provides the extracted linked service information. As a specific example, when it is estimated that the user is considering purchasing a home based on the user information, the providing unit 45 uses the In addition to proposing properties corresponding to the attributes of a person, it provides cooperative service information related to real estate services extracted based on the priority in the group "real estate services" from real estate services that mediate the purchase of such properties. Further, the providing unit 45 provides cooperative service information on the insurance service extracted based on the priority in the group "insurance service" from among the insurance services that provide services on insurance (fire insurance, etc.) related to the property. . Furthermore, the providing unit 45 provides cooperative service information about financial institutions extracted based on the priority in the group "financial institution" from among the financial institutions that provide services related to housing loans for the properties.

[3. Proposal processing flow]
Next, with reference to FIG. 7, a procedure of provision processing of the settlement server 10 according to the embodiment will be described. FIG. 7 is a flowchart illustrating an example of the procedure of provision processing according to the embodiment.

As shown in FIG. 7, the payment server 10 acquires user information about a user to whom payment services relating to a predetermined payment method are provided (step S101). Next, based on the user information, the priority of providing the linked service information about the linked service with which the settlement service is linked is determined for each linked service (step S102). Subsequently, based on the priority, the payment server 10 provides the linked service information to the user via the platform that provides the predetermined payment method (step S103), and ends the process.

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. About financial institutions]
In the above-described embodiment, the providing unit 45 provides cooperative service information about a bank that deposits electronic money into the account of user U1 in the payment application. It is not limited to such examples. For example, the providing unit 45 may provide cooperative service information relating to credit cards, MRFs (Money Reserve Funds) in securities companies, moneylenders, etc., in a selectable manner as electronic money deposit sources.

[4-2. About linked service information]
In the above-described embodiment, the providing unit 45 provides the user with content that displays the linked service information about the bank in a priority-based display mode. is not limited to For example, the providing unit 45 may provide the user with content in which combinations of arbitrary types of cooperative service information are rearranged and displayed based on the determined priority. In other words, the providing unit 45 may provide the linked service information to the user based on the priority determined between linked service information relating to different types of linked services.

Further, in the above-described embodiment, an example is shown in which the providing unit 45 provides content (screens SC1, SC2, etc. shown in FIG. The function of the unit 45 is not limited to such an example. For example, the providing unit 45 allows the user to select a transaction target that is provided by a company that provides the collaboration service and that is related to the collaboration service (for example, insurance products or financial products of different types). You may provide content to be displayed on

[4-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, and various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the payment server 10 according to the embodiment has the acquisition unit 41 , the payment processing unit 42 , the determination unit 44 and the provision unit 45 . The acquisition unit 41 acquires user information about a user to whom a payment service regarding a predetermined payment method is provided. The payment processing unit 42 executes payment processing according to the payment information. The learning unit 43 creates a model so as to estimate the priority of each linked service based on the relationship between the linked service information about the linked service and the user information about the user who has linked the linked service to the settlement service. let them learn Based on the user information acquired by the acquisition unit 41, the determining unit 44 determines the priority of providing the linked service information related to the linked service with which the settlement service is linked, for each linked service. Also, the determination unit 44 determines the priority using the model learned by the learning unit 43 . Based on the priority determined by the determination unit 44, the provision unit 45 provides the user with the cooperative service information via a platform that provides a predetermined payment method. Further, the providing unit 45 provides cooperative service information in a display mode based on priority. In addition, the providing unit 45 provides cooperative service information regarding a financial institution that deposits money into a user's account in a settlement service.

As a result, the payment server 10 according to the embodiment can provide information while suppressing information that becomes noise for the user, and therefore can provide the user with information on a service that is appropriate as a partner of the payment service.

Further, in the payment server 10 according to the embodiment, for example, the determination unit 44 determines the priority based on the user's location information. Also, the determination unit 44 determines the priority based on the search history of the user. Further, the determination unit 44 determines the priority based on the history of payments made by the user using a predetermined payment means. Further, the determination unit 44 determines the priority based on the transaction object for which the user has made payment using a predetermined payment method. Also, the determining unit 44 determines the priority based on the attributes of the user.

As a result, the settlement server 10 according to the embodiment can determine the priority based on various types of information and provide linked service information. can be done.

In addition, in the settlement server 10 according to the embodiment, for example, the determination unit 44 determines the priority of providing each piece of cooperative service information in each group in which the cooperative service information is classified. The providing unit 45 extracts the linked service information for each group based on the priority within the group, and provides the extracted linked service information. Further, the providing unit 45 extracts the linked service information for each group having a predetermined relationship among the groups, and provides the extracted linked service information.

As a result, the settlement server 10 according to the embodiment can provide a plurality of associated linked service information, thereby improving convenience.

Further, in the settlement server 10 according to the embodiment, for example, the providing unit 45 provides the first content indicating the linked service information having the priority higher than the first threshold among the linked service information, and the first content second content indicating linked service information whose priority is less than the first threshold and whose priority is equal to or higher than the second threshold among the linked service information when a predetermined operation is received from the user I will provide a. In addition, the provision unit 45 provides the second content when receiving from the user an operation related to searching for cooperation service information other than the cooperation service information indicated by the first content.

As a result, the payment server 10 according to the embodiment can provide appropriate information to the user without requiring the user to perform complicated operations such as inputting a search query, thereby improving convenience. be able to.

In addition, in the payment server 10 according to the embodiment, for example, the learning unit 43 further models a combination of linked services and user information about users who have linked each of the linked services included in the combination with the payment service. to learn.

As a result, the settlement server 10 according to the embodiment can determine the priority in descending order of relevance to the context of the user, and can provide cooperative service information, so that information with a high appeal effect can be provided to the user. .

[6. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , ROM 1200 , RAM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1200 or HDD 1400 and controls each section. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs dependent on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from another device via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1300 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1300 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1300 . Moreover, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

10 settlement server 20 communication unit 30 storage unit 31 account database 32 user information database 40 control unit 41 acquisition unit 42 settlement processing unit 43 learning unit 44 determination unit 45 provision unit 100 user terminal 200 store terminal 300 service server

Claims (16)

an acquisition unit that acquires user information about a user to whom payment services related to a predetermined payment method are provided;
Based on the relationship between the user information acquired by the acquisition unit and the linked service information related to the linked service with which the payment service is linked , a predetermined unused linked service that is estimated to be used by the user a determination unit that determines a priority for providing linked service information including linked service information for each linked service;
a providing unit that provides the linked service information to the user via a platform that provides the predetermined payment method based on the priority determined by the determining unit, and providing the payment service; A delivery device characterized by: The providing unit
2. The providing device according to claim 1, wherein the linked service information is provided in a display mode based on the priority. The decision unit
3. The providing device according to claim 1, wherein the priority is determined based on the location information of the user. The decision unit
The providing device according to any one of claims 1 to 3, wherein the priority is determined based on the search history of the user. The decision unit
5. The providing apparatus according to any one of claims 1 to 4, wherein the priority is determined based on a history of payments made by the user using the predetermined payment means. The decision unit
6. The providing device according to any one of claims 1 to 5, wherein the priority is determined based on the transaction object for which the user has made a payment using the predetermined payment means. The decision unit
The providing apparatus according to any one of claims 1 to 6, wherein the priority is determined based on attributes of the user. The providing unit
When the first content indicating the linked service information having the priority equal to or higher than the first threshold among the linked service information is provided, and a predetermined operation on the first content is received from the user, the linked service information providing second content indicating linked service information of which the priority is less than the first threshold and the priority is greater than or equal to the second threshold among the service information; 8. A delivery device according to any one of 7. The providing unit
9. The providing apparatus according to claim 8, wherein the second content is provided when an operation related to searching for cooperative service information other than the cooperative service information indicated by the first content is received from the user. The providing unit
10. The providing device according to any one of claims 1 to 9, which provides the cooperative service information relating to a financial institution that deposits money into the account of the user in the settlement service. The decision unit
Determining the priority for providing each linked service information in the group for each group in which the linked service information is classified;
The providing unit
11. The method according to any one of claims 1 to 10, wherein cooperative service information is extracted for each group based on the priority within the group, and the extracted cooperative service information is provided. delivery device. The providing unit
12. The providing device according to claim 11, wherein the linked service information is extracted for each group having a predetermined relationship among the groups, and the extracted linked service information is provided. A learning unit that trains a model to estimate the priority of each linked service based on the relationship between linked service information about linked services and user information about users who have linked the linked services to the payment service. further having
The decision unit
The providing device according to any one of claims 1 to 12, wherein the priority is determined using a model learned by the learning unit. The learning unit
14. The providing device according to claim 13, wherein the model further learns a combination of linked services and user information about users who have linked each of the linked services included in the combination with the payment service. . A computer-implemented method of providing, comprising:
an acquisition step of acquiring user information about a user to whom payment services relating to a predetermined payment method are provided;
Based on the relationship between the user information acquired in the acquisition step and the linked service information related to the linked service with which the payment service is linked , a predetermined unused linked service that is estimated to be used by the user a determination step of determining the priority of providing linked service information including linked service information for each linked service;
a provision step of providing the cooperative service information to the user via a platform that provides the predetermined payment method based on the priority determined in the determination step, and providing the payment service; Characterized delivery method. an acquisition procedure for acquiring user information related to a user to whom payment services relating to a predetermined payment method are provided;
Based on the relationship between the user information acquired by the acquisition procedure and the linked service information related to the linked service with which the payment service is linked , a predetermined unused linked service that is estimated to be used by the user a determination procedure for determining the priority of providing linked service information including related linked service information for each linked service;
a providing step of providing the linked service information to the user via a platform that provides the predetermined payment method based on the priority determined by the determining step;
and causing the computer to execute the payment service .

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