JP7259121B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve the accuracy of selecting premiums to be offered to users through sales promotion measures with premiums. An information processing device according to the present application includes an acquisition unit, a learning unit, a payment processing unit, a selection unit, and a transmission unit. The learning unit learns, based on the learning data acquired by the acquisition unit, an estimation model that outputs information for estimating a predetermined prize corresponding to the input transaction object in response to input of information indicating the transaction object. do. The payment processing unit executes payment processing in response to a payment request. When the payment process is completed normally, the selection unit uses the learned model to select gift candidates to be provided to the service user from among a plurality of predetermined gifts provided in advance by business operators that introduce the electronic payment service. to select. The transmission unit transmits to the terminal device the premium providing content for providing the selected premium candidate to the service user together with information for notifying the service user that the payment process has been completed. [Selection drawing] Fig. 11

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

Conventionally, for the purpose of promoting the use of electronic payment services, there has been known a technology that returns a predetermined amount of profit to the user when a payment is made using the electronic payment service at a member store that introduces the electronic payment service. ing. Also, in relation to this technology, for example, there is known a technology for distributing coupons to users who meet predetermined conditions to receive a predetermined return of profits, etc., and sales promotion measures with prizes are implemented. It is

Japanese Patent No. 5416404

However, the conventional technology is required to improve the accuracy of selection of gifts to be provided to users through sales promotion measures with gifts.

The present application has been made in view of the above, and provides an information processing device, an information processing method, and an information processing program that can improve the accuracy of selecting premiums to be provided to users through sales promotion measures with premiums. With the goal.

An information processing apparatus according to the present application includes an acquisition unit, a learning unit, a payment processing unit, a selection unit, and a transmission unit. The acquisition unit acquires learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of the electronic payment service and information regarding a predetermined gift provided to the service user. The learning unit learns, based on the learning data acquired by the acquiring unit, an estimation model that outputs information for estimating a predetermined prize corresponding to the input transaction object in response to input of information indicating the transaction object. do. The settlement processing unit, when acquiring a settlement request transmitted from a terminal device used by a service user, executes settlement processing according to the acquired settlement request. When the payment processing is normally completed, the selection unit uses the learned model learned by the learning unit to select a service use from among a plurality of predetermined gifts provided in advance by business operators that introduce electronic payment services. Select a prize candidate to be provided to the person. The transmission unit transmits the premium providing content for providing the service user with the premium candidate selected by the selection unit, together with information for notifying the service user that the payment process has been completed, to the terminal device.

According to one aspect of the embodiment, there is an effect that it is possible to improve the accuracy of selecting a prize to be provided to a user by a sales promotion with a prize.

FIG. 1 is a diagram illustrating an overview of information processing according to the embodiment. FIG. 2 is a diagram illustrating an example of information displayed on the terminal device according to the embodiment; FIG. 3 is a diagram showing an example of a coupon provision image according to a usage screen according to the embodiment. FIG. 4 is a diagram showing an example of a coupon provision image corresponding to a usage screen according to the embodiment. FIG. 5 is a diagram showing a configuration example of a payment server according to the embodiment. 6 is a diagram illustrating an example of user information stored in a user information storage unit according to the embodiment; FIG. FIG. 7 is a diagram showing an example of information about coupons stored in a coupon information storage unit according to the embodiment. FIG. 8 is a diagram showing an example of coupon-related information stored in a coupon-related information storage unit according to the embodiment. FIG. 9 is a flowchart illustrating an example of an information processing procedure executed by the settlement server according to the embodiment; FIG. 10 is a diagram showing an outline of a method of generating a learned model according to the first modification. FIG. 11 is a diagram showing a configuration example of a settlement server according to the first modification. FIG. 12 is a flow chart showing an example of a learning process procedure executed by the settlement server according to the first modification. FIG. 13 is a diagram showing an overview of information processing according to the second modification. FIG. 14 is a diagram showing a configuration example of a settlement server according to the second modification. FIG. 15 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to 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]
Information processing according to the embodiment will be described below. FIG. 1 shows an overview of information processing according to the embodiment. In addition, below, the example in which the information processing according to the embodiment is realized by the settlement server 100, which is an example of the information processing apparatus according to the embodiment, will be described.

(1-1. System configuration)
As shown in FIG. 1, the information processing system SYS-A according to the embodiment includes a terminal device 10 and a settlement server 100. As shown in FIG. The terminal device 10 and the settlement server 100 are communicably connected to each other by wire or wirelessly via a network N (see FIG. 3, for example). Network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system SYS-A shown in FIG. 1 may include a plurality of terminal devices 10 and a plurality of settlement servers 100. FIG.

A terminal device 10 shown in FIG. 1 is an information processing terminal used by a user U. As shown in FIG. The terminal device 10 shown in FIG. 1 is implemented 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. Note that FIG. 1 illustrates a smartphone as the terminal device 10 .

In addition, the terminal device 10 includes a display device such as a liquid crystal display (LCD) or an organic electroluminescence display (OLED), and various information transmitted from the payment server 100 can be displayed by a web browser or an application. indicate. Also, the display device included in the terminal device 10 may be a touch screen display. In this case, the terminal device 10 accepts various operations from the user U on content such as an image displayed on the screen of the touch screen display by a finger or a stylus from the user U, and performs processing according to the various operations. to run.

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local Area Network) for connecting to a network N via short-range wireless communication. Thereby, the user U can operate the terminal device 10 to access the payment server 100 and use the electronic payment service provided by the payment server 100 .

When the terminal device 10 receives control information for implementing predetermined information processing from the settlement server 100, the terminal device 10 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 described by language or the like. Note that the predetermined application itself distributed from the settlement server 100 may be regarded as the control information.

In the following description, the terminal device 10 shown in FIG. 1 is used by a user U who is a service user of an electronic payment service using a predetermined code. In this case, the terminal device 10 is pre-installed with an application program for service users (hereinafter referred to as “user application” as appropriate) for implementing various processes related to the electronic payment service in cooperation with the payment server 100 . may be The terminal device 10 can also access a predetermined website from a web browser and implement various processes related to electronic payment services.

The settlement server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is typically a server device, but may be realized by a mainframe, a workstation, or the like. When the payment server 100 is realized by a server device, it may be realized by a single server, or may be realized by a cloud system or the like in which a plurality of server devices and a plurality of storage devices operate in cooperation.

Moreover, the settlement server 100 may function as a distribution device that distributes control information to the terminal device 10 that the user U uses. Here, the control information is described, for example, in a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the settlement server 100 may be regarded as control information.

In addition, for example, the settlement server 100, in response to an HTTP (Hypertext Transfer Protocol) request transmitted from the terminal device 10, transmits an HTML (HyperText Markup Language) file, image data, and image data requested in the HTTP request. It may function as an information processing device that transmits to the terminal device 10 content including web pages and control information for executing control to display on the user application. The content including the control information in this case can be realized by content for RIA (Rich Internet Application) such as Flash (registered trademark) and Silverlight (registered trademark), and operates as an image display program.

In addition, the administrator of the payment server 100 operates a platform that provides an electronic payment service using a predetermined code (a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment) through the payment server 100. operate the Service; The payment server 100 executes information processing related to the electronic payment service in cooperation with, for example, a user application running on the terminal device 10 .

In addition, the payment server 100 can provide a business user interface for accepting submission of coupon-related information from businesses that operate member stores of electronic payment services. Using the information processing terminal used by the business operator, the business operator operates the user interface for the business operator and sets information (text data, image data, etc.) related to the coupon. The settlement server 100 registers information on coupons submitted from each business in a database and manages the information for each member store.

(1-2. Regarding code payment using the terminal device 10)
Here, an example of code payment (electronic payment) using the terminal device 10 will be described. In the following explanation, a two-dimensional code (QR code (registered trademark)) placed at the store X and indicating store identification information for identifying the store X is used to obtain goods and services ( A description will be given of an example in which a user U who receives a transaction object such as a service performs settlement using the terminal device 10 . It should be noted that an example of code settlement described below can also be applied when any service user uses any terminal device 10 to make a payment at any store. Also, the two-dimensional code indicating the store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like. Further, the two-dimensional code is not limited to the example physically configured by printed matter printed on a medium such as paper, and may be configured by image information displayed on an arbitrary terminal. The store identification information includes a member store ID that is individually assigned to identify the brand of store X as a member store of the electronic payment service, and a store ID that is assigned to identify the store X itself. may be

For example, when the user U makes a payment for purchasing or using a transaction target such as various products and services at the store X, the user U activates a user application pre-installed in the terminal device 10 . Then, the user U photographs the two-dimensional code installed at the store X via the user application. In such a case, the terminal device 10 displays a screen for inputting the price of the transaction object, and accepts the input of the payment amount from the user U or the store X clerk. Then, the terminal device 10 stores user identification information for identifying the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store X (for example, store ID)), and a payment amount. to the settlement server 100.

When receiving the transaction information from the terminal device 10, the settlement server 100 converts the account of the user U indicated by the user identification information (wallet linked to the user account) to the account of the store X indicated by the store identification information (linked to the user account). Wallet), transfer the electronic money equivalent to the settlement amount. At this time, the settlement server 100 may deduct a predetermined fee to be charged to the store X from the amount of electronic money corresponding to the settlement amount, and then transfer the electronic money to the account of the store X. The settlement server 100 then transmits a notification that the transaction has been completed to the terminal device 10 . In such a case, the terminal device 10 notifies the user U that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. Alternatively, the settlement server 100 withdraws electronic money corresponding to the settlement amount from the account of the user U indicated by the user identification information, manages it as sales information of the store X, and manages the amount of cash equivalent to the sales at a predetermined timing. may be transferred to a bank account owned by store X. In this case, the settlement server 100 may notify the user U that the electronic money transaction is completed at the timing when the electronic money corresponding to the settlement amount is withdrawn from the account of the user UX.

Note that the settlement using the terminal device 10 is not limited to the processing described above. For example, settlement using the terminal device 10 may be performed using a terminal device installed at the store X (hereinafter referred to as a "store terminal"). Specifically, first, the terminal device 10 displays code information indicating user identification information for identifying the user U on the screen. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10, and indicates the read user identification information (or information indicated by the user identification information, that is, the user UX). Transaction information including information (for example, user ID), payment amount, and information identifying store X is transmitted to payment server 100 .

When receiving the transaction information from the store terminal, the settlement server 100 transfers electronic money corresponding to the settlement amount from the account of the user U indicated by the user identification information to the account of the store X. The settlement server 100 then transmits a notification to the effect that the transaction has been completed to the shop terminal or the terminal device 10 . The store terminal or the terminal device 10 notifies the user U that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. In addition, the settlement server 100 withdraws electronic money equivalent to the settlement amount from the account of the user U indicated by the user identification information, manages it as sales information of the store X, and manages it as sales information of the store X. may be transferred to a bank account owned by store X. In this case, the payment server 100 may notify the store clerk or the user U that the electronic money transaction is completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the user U account.

The settlement using the terminal device 10 includes not only the process of transferring electronic money from an account charged with electronic money in advance by the user U to the account of the store X, but also a credit card pre-registered by the user U, for example. It may be a payment made by In such a case, for example, the terminal device 10 transfers the amount of electronic money indicated by the settlement amount to the account of the store X, and charges the operating company of user U's credit card for the amount indicated by the settlement amount. You may

In addition, the settlement using the terminal device 10 is not only the process of transferring electronic money from the account of user U to the account of store X, but also the transfer of electronic money from the account of user U to the account of another service user, for example. (ie, remittance between service users). For example, the terminal device 10 used by the user U of the remittance source has user identification information that identifies the service user who is the user of the remittance destination (for example, the user identification information), receives an input of the remittance amount from the user U, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying the user U to the settlement server 100 . In such a case, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U to the account of the service user of the remittee, and the terminal device 10 or the service user of the remittee transfers The terminal device 10 to be used may be notified of the completion of the remittance by outputting a screen or a predetermined voice indicating that the remittance has been completed.

The remittance using the terminal device 10 is not limited to the processing described above. For example, in remittance using the terminal device 10, the telephone number of the service user who is the user to whom the remittance is to be made, and information indicating the service user who is the user to whom the remittance is to be made (for example, user ID) are input into the terminal device 10. It may be done by As a specific example, the terminal device 10 accepts input of the telephone number or user ID of the service user of the remittance destination and the remittance amount from the user U, and receives the input telephone number or user ID (remittance destination identification information), remittance amount, and user identification information for identifying user U (remittance source identification information) are transmitted to the settlement server 100 . Then, the settlement server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user U to the account of the service user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the service user, who is the user of the remittance destination, may be linked with information about the user and registered in advance in the user application. In this case, the terminal device 10 accepts from the user UX the designation of a user (remittance destination) registered in the user application and the input of the remittance amount to the user, and the telephone number associated with the designated user. Alternatively, the user ID, remittance amount, and user identification information for identifying the user UX are transmitted to the settlement server 100 .

Further, for example, remittance using the terminal device 10 may be performed by providing link information for receiving the remittance amount to the service user who is the remittee user. As a specific example, the terminal device 10 receives an input of the remittance amount from the user U, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. Link information is provided to the terminal device 10 used by the service user, who is the user of the remittance destination, by posting the posted information on an SNS (Social Networking Service). Then, when the service user who is the user of the remittance destination selects the link information and performs a receiving operation, the settlement server 100 transfers from the account of the user U to the account of the service user who is the user of the remittee, Transfer the amount of electronic money indicated by the remittance amount. As described above, the payment server 100 can execute information processing related to payment using electronic money and remittance of electronic money on the same platform that provides electronic payment services to service users.

In addition, payment means that realize various processes corresponding to the above-mentioned electronic payment service are for providing compensation (debt settlement) for the purchase of goods and provision of services (services), and are owned by multiple users. It is not limited to those for remittance between accounts. For example, the payment means described above may be a service that controls transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. In other words, the settlement means and the like according to the embodiment perform various controls for realizing exchange of electronic money (control of various inter-account remittances via electronic money, control of exchange between an electronic money account and a bank account, , division, various credit processing such as processing accompanying bonus payments, and other various controls related to the exchange of property including electronic money) may be provided in any form. . In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or may include only one of them. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. In other words, the settlement server 100 may be an information processing device that implements transaction means for controlling the exchange of electronic money between arbitrary owners.

(1-3. Outline of Embodiment)
(1-3-1. Processing for providing content for providing premiums)
Next, the process of providing the content for providing a free gift according to the embodiment will be described with reference to FIG. 1 . The payment server 100 according to the embodiment improves the usage rate of sales promotion measures with prizes in electronic payment services by providing content for providing gifts, and supports business operators who introduce electronic payment services.

In the following, as a gift provided to a service user of an electronic payment service (for example, user U) by the content for providing a gift, a payment-linked type provided to the service user in conjunction with the payment processing of the payment for the transaction object will be described. coupon (PLC: Payment Linked Coupon). Further, in the following, as content for providing a prize according to the embodiment, a scratch card in which the printed surface covered by the scratch seal can be seen when the scratch seal (scratch ink) is scraped off with a coin or the like is described. Scratch card-type content is assumed to be capable of realizing a predetermined image rendering process. Note that, as described below, the settlement server 100 according to the embodiment provides a coupon through the content for providing a free gift as a sales promotion measure with a free gift.

In addition, in the following description, a business operator that introduces an electronic payment service may be considered the same as a member store of the electronic payment service operated by the business operator.

As shown in FIG. 1, the terminal device 10 transmits a payment request for a transaction target to the payment server 100 in response to the user U's operation on the user application (step S1).

Upon receiving the payment request from the terminal device 10, the payment server 100 executes payment processing according to the payment request (step S2). Further, when the payment processing is normally completed, the payment server 100 randomly determines whether or not to provide the coupon to the user U who made the payment request (step S3). For example, the settlement server 100 performs random lottery processing to determine whether to provide coupons.

Further, for example, when the settlement server 100 wins a random lottery and decides to provide a coupon to the user U, the settlement server 100 executes selection processing for selecting coupon candidates to be provided to the user U (step S4).

The selection process by the settlement server 100 will be described below. First, the settlement server 100 selects a coupon category (an example of a “gift category”) according to selection conditions preset by the administrator OP of the settlement server 100 . For example, assuming that a category table containing four or more coupon categories is prepared in advance and the selection condition is set to "number of categories: 3, random", settlement server 100 refers to the category table. Randomly select three coupon categories that do not overlap each other. At this time, if the category table includes three coupon categories, the settlement server 100 selects all the coupon categories included in the category table as they are under the selection conditions described above.

Next, the settlement server 100 selects coupon candidates to be provided to the user U according to predetermined conditions preset by the administrator OP of the settlement server 100 for each selected coupon category. For example, the payment server 100 refers to coupon information submitted in advance from each member store. Then, the settlement server 100 selects coupon candidates from among the plurality of coupons submitted from each member store for each selected coupon category.

Moreover, the payment server 100 may select a coupon candidate that can be used at another member store that is not in a competitive relationship with the member store that was a party to the transaction in the payment process. For example, the payment server 100 refers to pre-registered information indicating the competitive relationship of each member store, and uses coupons submitted by member stores that do not have a competitive relationship with the member store that was a party to the transaction in the payment process. A coupon candidate is selected from among them.

The payment server 100 may also select coupon candidates based on attribute information indicating the attributes of the user U who is the source of the payment request. For example, the settlement server 100 refers to the coupon acquisition histories of other service users whose attributes match those of the user U, based on user U's pre-registered attribute information. Coupon candidates are selected from among the coupons that are relatively high.

The payment server 100 may also select a coupon candidate based on the action history of the user U who sent the payment request. For example, based on the location information of user U when a payment request is received from user U, payment server 100 selects coupons available at affiliated stores within a predetermined distance range from the user's position at the time of the payment request. , to select coupon candidates. In addition, for example, the payment server 100 selects coupons that can be used at member stores that handle transaction objects related to the user U's browsing history, based on the latest user U's browsing history from the time of receiving the payment request from the user U. A coupon candidate is selected from among them.

The payment server 100 may also select a coupon candidate based on the coupon acquisition history of the user U, who is the sender of the payment request. For example, the settlement server 100 identifies a coupon category with a relatively high acquisition rate by the user U based on the acquisition history of coupons by the user U, and selects coupon candidates for each of the identified coupon categories.

After selecting the coupon candidate, the settlement server 100 transmits to the terminal device 10 the premium providing content for presenting the coupon candidate to the user U together with settlement completion information for notifying the user U that the settlement process has been completed. (step S5).

When the terminal device 10 receives the payment completion information and the prize providing content from the payment server 100, the terminal device 10 executes content display processing (step S6).

(1-3-2. Display example by content display processing)
An example of information displayed on the terminal device 10 by the content display process according to the embodiment will be described below. FIG. 2 shows an example of information displayed on the terminal device 10 according to the embodiment.

As shown in FIG. 2, based on the payment completion information received from the payment server 100, the terminal device 10 displays a payment completion image G1 for notifying the user U that the payment has been completed (step S11). Further, the terminal device 10 displays a content image G2-1 based on the content for providing a premium received from the settlement server 100 (step S12). FIG. 2 shows an example in which the content image G2-1 is overlaid on the payment completion image G1. In this way, by displaying the free gift content on the settlement completion screen that the user U is likely to watch, it is possible to improve the user U's recognition of the free gift content.

A content image G2-1 shown in FIG. 2 is provided with category icons OB1-1, OB1-2, and OB1-3 (an example of "first image information"), which are objects corresponding to coupon categories. FIG. 2 shows a category icon OB1-1 corresponding to the coupon category "apparel", a category icon OB1-2 corresponding to the coupon category "food", and a category icon OB1- corresponding to the coupon category "miscellaneous goods". 3 are shown. Note that the shapes of the category icons OB1-1, OB1-2, and OB1-3 shown in FIG. 2 are examples, and are not limited to circular shapes, and may be arbitrary shapes.

Although not shown in FIG. 2, the terminal device 10 displays the category icon OB1-1 as if the images of the category icons OB1-1, OB1-2, and OB1-3 were scratch stickers (scratch ink). , OB1-2, and OB1-3, a virtual image rendering process (an example of a "predetermined process") for obtaining a coupon can be executed in accordance with the user U's predetermined operation.

For example, when the terminal device 10 detects a predetermined operation by the user U such as scraping (rubbing) the surface of the image of the category icon OB1-1, the terminal device 10 cooperates with the user application while the predetermined operation is detected. , the area of the image of the category icon OB1-1 can be gradually reduced, and an image effect process can be executed in which the image hidden behind the image of the category icon OB1-1 is gradually exposed in the reduced area. . The terminal device 10 can acquire the first control information for executing this image rendering process from the payment server 100 together with the prize providing content. Then, the user application running on the terminal device 10 uses the control information acquired from the settlement server 100 to execute the image effect processing described above.

In addition, when the settlement server 100 transmits to the terminal device 10 the prize providing content including a plurality of category icons OB1-1, OB1-2, and OB1-3 (hereinafter referred to as “category icon OB1” as appropriate), , the first control information for executing the image effect processing according to the predetermined operation of the service user for each category icon OB1. In this case, the first control information controls the behavior of the content for providing a free gift, for example, so as to selectively accept predetermined operations by the service user on the plurality of category icons OB1 displayed on the terminal device 10. The terminal device 10 is provided with a processing function for doing so. Specifically, when the user U performs a predetermined operation on the category icon OB1-1 based on the first control information, the terminal device 10 performs a predetermined operation on the category icons OB1-2 and OB1-3. to control the content for providing a prize so that the operation of is not accepted.

Also, this image effect processing is not limited to being executed by a user application running on the terminal device 10 , and may be executed by cooperation between the user application running on the terminal device 10 and the payment server 100 .

Then, for example, when the user U performs a predetermined operation on the category icon OB1-1 for a certain period of time, the terminal device 10 treats the image as if it were hidden behind the image of the category icon OB1-1. , the content image G2-2 showing the information of the coupon corresponding to the coupon category "apparel" selected by the user U is displayed (step S13). Note that the content image G2-2 may be included in the prize providing content, or may be acquired by the terminal device 10 from the settlement server 100 at the timing when a predetermined operation by the user U is detected.

In this way, the payment server 100 allows the user U to select a desired coupon category, and then according to the operation of the user U, the gamification server 100 discloses the contents of the coupon corresponding to the selected coupon category ex post facto. Through the application, it is possible to arouse the interest of the user U and improve the usage rate of the coupon.

For example, in the content image G2-2 shown in FIG. 2, text information M-1 indicating the content of coupons that the user U can acquire is displayed. In addition, the content image G2-2 shown in FIG. 2 includes an evaluation button OB2-1 (an example of “second image information”) for receiving a positive evaluation of the coupon from the user U, and An evaluation button OB2-2 (an example of “second image information”) for accepting a negative evaluation, and a coupon use button OB2-3 (an example of “third image information”) for allowing the user U to acquire a coupon. example) is provided.

Evaluation buttons OB2-1 and OB2-2 (hereinafter referred to as "evaluation button OB2" as appropriate) are provided with second buttons for executing evaluation transmission processing in response to a predetermined operation of the user U on the evaluation button OB2. Control information is associated. This second control information provides the terminal device 10 with a processing function for transmitting the evaluation information associated with the evaluation button OB2 to the payment server 100 . Based on this second control information, the terminal device 10 executes evaluation transmission processing for transmitting evaluation information indicating the details of the evaluation associated with the evaluation button OB2 to the settlement server 100. FIG. Specifically, when the terminal device 10 detects the operation of the user U on the evaluation button OB2-1, the terminal device 10 detects identification information for identifying the user U and the coupon displayed in the content image G2-2. and information indicating the content of the evaluation (for example, “Good”) associated with the evaluation button OB2-1 are transmitted to the settlement server 100. FIG. Similarly, when the terminal device 10 detects that the user U has operated the evaluation button OB2-2, the terminal device 10 displays identification information for identifying the user U and information for identifying the coupon displayed in the content image G2-2. and information indicating the content of the evaluation (for example, “No Good”) associated with the evaluation button OB2-2 are transmitted to the settlement server 100. FIG.

Further, the use coupon button OB2-3 is associated with third control information for executing the website display process in response to a predetermined operation of the user U on the use coupon button OB2-3. This third control information includes a processing function for transmitting information about coupons acquired by the service user to the terminal device 10, and a screen of the website of the member store related to the coupon acquired by the service user. The terminal device 10 is provided with a processing function for displaying. Based on this third control information, the terminal device 10 performs a process of transmitting information related to the coupon acquired by the service user to the settlement server 100, and a member store web site related to the coupon acquired by the service user. A process for displaying the screen of the site on the terminal device 10 is executed. Specifically, when the terminal device 10 detects the user U's operation on the coupon use button OB2-3, the terminal device 10 identifies identification information for identifying the user U and the coupon displayed in the content image G2-2. and information for obtaining the coupon is transmitted to the settlement server 100 as coupon acquisition information. In addition, the terminal device 10, based on the connection destination information associated with the coupon displayed in the content image G2-2, for example, accesses the EC (Electronic Commerce) site (eg, Acquire information for displaying a mall-type EC site). Then, the terminal device 10 displays the top page image G3 of the member store's EC site based on the acquired information (step S14). The user U can use the acquired coupon to do online shopping at the member store's EC site.

(1-3-3. Coupon provision image)
An example of an image of providing a coupon according to the use scene of the electronic payment service will be described below. 3 and 4 show an example of a coupon provision image corresponding to a usage screen according to the embodiment.

For example, it is assumed that a service user of an electronic payment service performs a series of actions of "shopping→checkout→lunch→checkout→shopping" illustrated in FIG. On this assumption, if the service user uses an electronic payment service to pay for shopping, the payment server 100 may, for example, provide a 10% OFF service available at a restaurant near the service user's current location. Offer coupons. In addition, when the service user uses the acquired 10% off coupon to have lunch at a restaurant and uses the electronic payment service to pay for the lunch, the payment server 100, for example, determines the current location of the service user. Provide a 10% OFF coupon that can be used at nearby supermarkets (retail stores, etc.). The service user uses the acquired coupon to shop at the supermarket and goes home.

Further, for example, it is assumed that the service user performs a series of actions such as "apparel shop entry→dinner→payment→online shopping→payment" illustrated in FIG. Under this assumption, when the service user pays for dinner using an electronic payment service, the payment server 100 provides a 10% off coupon that can be used at the apparel shop XX town, for example. That is, the settlement server 100 can provide coupons according to the service user's action history that the service user stopped by the apparel shop before dinner. At this time, the settlement server 100 may determine whether or not the apparel shop visited by the service user is a member store, based on the behavior history of the service user. Then, if the apparel shop that the service user has entered is a member store, the settlement server 100 may provide the service user with a coupon that can be used on the EC site of the member store. Moreover, if the EC site of the apparel shop is browsed before dinner, the settlement server 100 can also provide coupons that can be used at the apparel shop based on the browsing history of the service user. In this case as well, if the EC site of the apparel shop that the service user was browsing is the EC site of the member store, the service user may be provided with a coupon that can be used on the EC site of the corresponding member store. .

In addition, when the service user uses the obtained 10% off coupon for online shopping and uses the electronic payment service to pay for the online shopping, the payment server 100 provides the food recommended as a late-night snack. To provide service users with delivery coupons that can be used at stores. That is, the settlement server 100 can provide coupons according to the action history of the service user who has finished dinner.

[2. Configuration of payment server]
Next, the configuration of the settlement server 100 according to the embodiment will be described. FIG. 5 shows a configuration example of the settlement server 100 according to the embodiment. As shown in FIG. 5, the settlement server 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
Communication unit 110 is implemented by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(Regarding storage unit 120)
The storage unit 120 is realized 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. 5, the storage unit 120 has a user information storage unit 121, a coupon information storage unit 122, and a coupon-related information storage unit 123. Note that the storage unit 120 is not limited to the example shown in FIG. 5, and may have a storage unit that stores other information in addition to the storage unit described above.

(Regarding the user information storage unit 121)
The user information storage unit 121 stores information on service users of the electronic payment service. FIG. 6 shows an example of user information stored in the user information storage unit 121 according to the embodiment. As shown in FIG. 6, the user information stored in the user information storage unit 121 includes a "user ID" item, an "attribute information" item, a "purchase history" item, and a "coupon information" item. , and these items are associated with each other.

The item "user ID" stores identification information individually assigned to each service user in order to specify each service user who uses the electronic payment service.

Attribute information indicating the attribute of the service user is stored in the item of "attribute information". Attribute information includes demographic attributes such as service user's gender, age, telephone number, address, and family structure, and psychographic attributes such as service user's interests and lifestyle. May contain information.

The "purchase history" item stores information indicating the service user's purchase history made using the electronic payment service.

In the "coupon information" item, among coupons (payment-linked coupons) acquired by the service user, information indicating the contents of the coupon used for payment of the electronic payment service is stored.

(Regarding coupon information storage unit 122)
The coupon information storage unit 122 stores information on coupons submitted by member stores of the electronic payment service. FIG. 7 shows an example of coupon-related information stored in the coupon information storage unit 122 according to the embodiment.

As shown in FIG. 7, the coupon-related information stored in the coupon information storage unit 122 includes items such as "member store ID", "coupon ID", "coupon category", and "coupon content". and a plurality of items such as the item of "competing member store ID". These items included in the coupon information are associated with each other.

In the item of "merchant ID", identification information that is individually assigned to each member store is stored in order to specify each business operator that introduces the electronic payment service.

In the "Coupon ID" item, when the business operator that operates each member store sets coupon-related information, it is uniquely assigned to each coupon in order to identify each coupon set by the business operator. store the identification information that is

The “coupon category” item stores information indicating the category to which the coupon belongs, which is set by the operator who operates each member store. The category to which the coupon belongs corresponds to a division in which transaction objects such as goods and services that can use the coupon can be classified in the market. For example, if the coupon can be used when paying for food and drinks using an electronic payment service at a member store of a restaurant chain, "food" is stored as the coupon category. Also, for example, if the coupon can be used when checking out fashion items using an electronic payment service at a member store of a business that mainly deals in clothing, "apparel" is stored as the coupon category. Also, for example, if the coupon can be used when checking out daily necessities using an electronic payment service at a member store of a business that mainly deals in miscellaneous goods, "miscellaneous goods" is stored as the coupon category.

The “coupon details” item stores information indicating the specific details of the coupon set by the business operator that operates each member store.

The "competitive member store ID" field stores information indicating member stores of other business operators that each business operator that introduces the electronic payment service recognizes as having a competitive relationship in the business scene. The information stored in the item of "competitive member store ID" may be registered based on the settings of each business operator accepted through the user interface for the business operator described above, or the payment server 100 may It is also possible to automatically discriminate other companies that are in a competitive relationship with each company based on the content, and automatically register according to the automatic discrimination result. Note that FIG. 7 exemplifies the item “competitive member store ID” as one of the items of the coupon information, but the coupon information has an item for storing information indicating competitors. may

(Regarding coupon-related information storage unit 123)
The coupon-related information storage unit 123 stores various information related to coupons provided to service users. FIG. 8 shows an example of coupon-related information stored in the coupon-related information storage unit 123 according to the embodiment.

As shown in FIG. 8, the coupon-related information stored in the coupon-related information storage unit 123 according to the embodiment includes items of "user ID", items of "coupon selection history", and items of "coupon category selection history". , a “coupon acquisition history” item, and a “coupon evaluation history” item. These items included in the coupon-related information are associated with each other.

The "user ID" field stores identification information for identifying service users who have won a random lottery to decide whether or not to provide a coupon when making a payment using an electronic payment service. . For example, in order to identify each service user who uses the electronic payment service, identification information that is individually assigned to each service user is used.

The item of "coupon selection history" stores the selection history of coupons selected as coupon candidates to be provided to service users. For example, the "coupon selection history" item includes a time stamp indicating the date and time when the coupon was selected, information indicating the coupon category selected prior to coupon selection, and coupon ID corresponding to the selected coupon. and the like are stored.

The item "coupon category selection history" stores information indicating the coupon category selected by the service user in the content for providing a premium (for example, "food", "apparel", "miscellaneous goods", etc.).

Information (for example, coupon ID) for specifying coupons obtained by the service user through the contents for providing free gifts is stored in the item of "coupon category selection history".

The item "coupon evaluation history" stores information indicating the content of evaluations of coupons received from service users through content for providing free gifts (for example, "Good" or "No Good").

(Regarding the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the payment server 100 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using the RAM as a work area. It is realized by being executed. Also, the control unit 130 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 5, the control unit 130 includes a payment processing unit 131, a selection unit 132, a transmission unit 133, and a management unit 134. These units perform information processing functions and Realize or perform an action.

(Regarding the payment processing unit 131)
When the payment processing unit 131 acquires a payment request transmitted from the terminal device 10 used by the user of the electronic payment service through the communication unit 110, the payment processing unit 131 executes payment processing according to the acquired payment request.

(Regarding the selection unit 132)
When the payment processing by the payment processing unit 131 is normally completed, the selection unit 132 selects a coupon candidate to be provided to the service user from among a plurality of coupons provided in advance by businesses that introduce electronic payment services. Execute the selection process.

For example, the selection unit 132 randomly determines whether or not to provide the service user with the coupon when the settlement process is completed normally. When the selection unit 132 decides to provide a coupon, the selection unit 132 selects a coupon candidate according to predetermined conditions.

For example, the selection unit 132 may select, as a coupon candidate, a coupon that can be used at a member store of an electronic payment service operated by another business operator that is not in a competitive relationship with the business operator who was a party to the transaction in the payment process. good. Further, for example, the selection unit 132 may select a coupon candidate based on attribute information indicating attributes of the service user who is the source of the payment request. Further, for example, the selection unit 132 may select a coupon candidate based on the action history of the service user who is the source of the payment request. Further, for example, the selection unit 132 may select a coupon candidate based on the coupon acquisition history of the service user who is the transmission source of the payment request.

(Regarding the transmission unit 133)
The transmission unit 133 transmits the gift providing content for providing the service user with the coupon selected by the selection unit 132, and the payment completion information for notifying the service user that the payment processing has been completed. Send to

When transmitting the content for providing a prize to the terminal device 10, the transmitting unit 133 also selects category icons OB1-1 and OB1-2 indicating coupon categories corresponding to the plurality of coupon candidates selected by the selecting unit 132. , OB1-3 (see, for example, FIG. 2) to the terminal device 10, the category icons OB1-1, OB1-2, and OB1-3 are sent to the terminal device 10 according to a predetermined operation of the service user. First control information for executing image effect processing (an example of “predetermined processing”) is transmitted to the terminal device 10 . In this case, the first control information is such that a predetermined operation is alternatively accepted for the plurality of category icons OB1-1, OB1-2, and OB1-3 displayed on the terminal device. The terminal device 10 is provided with a processing function for controlling the behavior of the content for use.

In addition, the transmission unit 133 transmits to the terminal device 10 the prize providing content including an evaluation button OB2 (an example of the “second image information”) indicating an object for receiving an evaluation of the coupon from the service user. At this time, second control information for executing evaluation transmission processing (an example of “predetermined processing”) in accordance with a predetermined operation of the service user on the evaluation button OB2 is transmitted through the communication unit 110 together with the prize providing content. Send to the terminal device 10 . In this case, the second control information provides the terminal device 10 with a function of causing the terminal device 10 to transmit evaluation information indicating the details of the evaluation of the coupon associated with the evaluation button OB2.

In addition, the transmission unit 133 selects a coupon selected as a coupon candidate by the selection unit 132, and selects a coupon as a coupon candidate. A third process for executing a website display process (an example of a "predetermined process") according to a predetermined operation of the service user on the coupon use button OB2-3 when transmitting the content to be provided to the terminal device 10. The control information is transmitted to the terminal device 10 together with the prize providing content. In this case, the third control information includes a processing function for transmitting information about the coupon acquired by the service user to the terminal device 10, and a member store website related to the coupon acquired by the service user. The terminal device 10 is provided with a processing function for displaying a screen.

(Regarding the management unit 134)
The management unit 134 associates a user ID (an example of “user identification information”) for identifying a service user with a coupon ID (“gift item”) for identifying a coupon candidate selected by the selection unit 132 . (an example of "identification information") and information indicating the coupon category corresponding to the coupon candidate are stored in the coupon-related information storage unit 123, thereby managing the coupon selection history for each service user.

In addition, the management unit 134 associates, with the user ID, information indicating the coupon category selected by the service user from among the coupon categories corresponding to the coupon candidates provided to the service user through the prize providing content. By storing in the coupon-related information storage unit 123, the selection history of the coupon category is managed for each service user.

In addition, the management unit 134 associates a coupon ID for identifying a coupon obtained by the service user from among the coupon candidates provided to the service user through the content for providing a prize with the user ID, and associates the coupon ID with the user ID. By storing in the information storage unit 123, the coupon acquisition history is managed for each service user.

In addition, when the management unit 134 receives from the service user evaluation information for the coupon candidate provided to the service user through the content for providing a free gift, the management unit 134 associates the evaluation information received from the service user with the user ID and distributes the coupon to the service user. By storing in the related information storage unit 123, the evaluation history of coupons is managed for each service user.

[3. Processing procedure example]
An example of the processing procedure in the settlement server 100 according to the embodiment will be described below. FIG. 9 shows an example of an information processing procedure executed by the settlement server 100 according to the embodiment.

As shown in FIG. 9, when the payment processing unit 131 acquires a payment request transmitted from the terminal device 10 used by the user of the electronic payment service through the communication unit 110, the payment processing unit 131 makes a payment according to the acquired payment request. Processing is executed (step S101).

Further, when the payment processing by the payment processing unit 131 is normally completed, the selection unit 132 executes a random lottery for randomly determining whether or not to provide the coupon to the service user (step S102). .

If the service user wins the random lottery and decides to provide the service user with a coupon (step S102: Yes), the selection unit 132 selects a coupon category for selecting the coupon. (step S103).

Further, the selection unit 132 selects coupon candidates to be provided to the user U according to predetermined conditions preset by the administrator OP of the settlement server 100 for each selected coupon category (step S104).

In addition, the transmission unit 133 transmits the payment completion information for notifying the user U that the payment processing has been completed and the content for providing a prize to the terminal device 10 (step S105), and ends the processing procedure shown in FIG. do.

In step S102 described above, if the service user does not win the random lottery and the selection unit 132 determines not to provide the service user with the coupon (step S102: No), the payment process is completed. Payment completion information for notifying the user U to that effect is transmitted to the terminal device 10 (step S106), and the processing procedure shown in FIG. 9 ends.

[4. Modification]
(4-1. First modification)
In the above-described embodiment, based on the learned model that has learned the correspondence relationship between the information indicating the transaction target purchased by the service user of the electronic payment service and the information on the coupon provided to the service user, Coupon candidates to be provided to service users may be selected. A method of generating a trained model executed by the settlement server 200, which is an example of the information processing apparatus according to the first modified example, will be described below. FIG. 10 shows an overview of a learned model generation method according to the first modification.

In the following, an example of using supervised learning as a machine learning method used to generate a trained model will be explained. Any learning method can be adopted as long as a model capable of achieving the purpose (task) of selecting a coupon candidate can be learned.

(4-1-1. Learning phase)
First, the administrator OP of the payment server 200 according to the first modified example has information on the purchase history of the service user of the electronic payment service, the coupon information submitted by the business operator, and the coupon provided to the service user. Prepare learning data based on coupon-related information. For example, the administrator OP collects information indicating the transaction target purchased by the service user of the electronic payment service (for example, information on the purchased product) and information on the coupon provided to the service user (for example, coupon information). Prepare learning data (correct data) that indicates the correspondence with the content). Then, the settlement server 200 acquires the learning data prepared by the administrator OP, and based on the acquired learning data, according to the input of the information indicating the transaction object, the coupon corresponding to the input transaction object. Train an estimation model that outputs information to estimate .

Specifically, the administrator OP prepares learning data in which predetermined scores are assigned to the coupons based on the number of times the coupons provided to the service user are used for settlement of the transaction target. good too. For example, it is conceivable to assign a higher score to a coupon that has been used more frequently during payment. In this case, when a transaction object is input, the payment server 200 outputs a higher score for a prize that is used more often in payment for the transaction object, and outputs a lower score for a prize that is used less often in payment for the transaction object. Train an estimation model to output.

In addition, the administrator OP assigns a predetermined score to each of the coupons provided to the service user based on the coupon evaluation information obtained in advance from the service user. may be prepared. In this case, the payment server 200 outputs a higher score for coupons with more positive evaluations from service users when a transaction target is input, and a lower score for coupons with fewer positive evaluations from service users. Train the model to output.

In addition, the administrator OP learns by assigning predetermined scores to the coupons based on information indicating the period from when the service users acquire the plurality of coupons provided to the service users to when they are used. You may prepare data for In this case, the settlement server 200 learns an estimation model so that when a transaction target is input, a higher score is output for a coupon with a shorter period from acquisition to use by a service user.

Also, the administrator OP may prepare learning data in which scores are weighted according to attribute information indicating attributes of service users. In this case, the settlement server 200 learns the estimation model using learning data in which the score is weighted according to the attribute information indicating the attribute of the service user.

In addition, the settlement server 200 can adopt any method for the learning process of the estimation model. For example, the settlement server 200 can perform learning processing using a method such as back propagation. For example, the payment server 200 adjusts the value of the weight (that is, the connection coefficient) that is taken into account when values are transmitted between nodes through learning processing. In this way, the settlement server 200 generates an estimation model through processing such as back propagation that corrects parameters (connection coefficients) so that the error between the output of the estimation model and the correct answer (correct answer data) corresponding to the input is reduced. learn. For example, the settlement server 200 generates an estimation model by performing processing such as backpropagation so as to minimize a predetermined loss function. Thereby, the settlement server 200 can perform learning processing for learning the parameters of the estimation model.

(4-1-2. Prediction phase)
The settlement server 200 predicts the result for the input data whose correct answer is unknown, using the trained model that has learned the estimation model. For example, the payment server 100 inputs, as verification data, information about a purchased product whose correct answer is unknown (for example, a product name) to the trained model, and outputs (coupon content) corresponding to the input verification data. ). Based on the output obtained from the trained model, the manager OP evaluates the performance of the trained model and tunes the trained model.

(4-1-3. Selection of coupon candidates)
The settlement server 200 can select a coupon candidate using a learned model obtained by learning the above estimation model. For example, when the settlement server 200 acquires a settlement request transmitted from the terminal device 10 used by the user of the electronic settlement service, the settlement server 200 executes settlement processing according to the acquired settlement request. Then, when the payment processing is normally completed, the payment server 200 uses the learned model to select coupons to be provided to service users from among a plurality of coupons provided in advance by businesses that introduce electronic payment services. Select candidates.

For example, the settlement server 200 inputs the product name of the product purchased by the service user into the learned model, and based on the score for each coupon output from the learned model, the coupon with the highest score is used as a coupon candidate. Select. If the coupon category has been selected, the settlement server 200 may select the coupon with the highest score among the coupons corresponding to the selected coupon category as a coupon candidate for each selected coupon category.

Then, the settlement server 200 transmits to the terminal device 10 the prize providing content for providing the selected coupon candidate to the service user together with information for notifying the service user that the settlement process has been completed. .

As described above, according to the settlement server 200 according to the first modification, it is possible to increase the accuracy of selecting coupon candidates to be provided to service users by using the above-described learned model. It is possible to improve the utilization rate of sales promotion measures with attachments.

(4-1-4. Configuration of settlement server according to first modification)
Next, the configuration of the settlement server 200 according to the first modified example will be described. FIG. 11 shows a configuration example of the settlement server 200 according to the first modified example. As shown in FIG. 11, the settlement server 200 according to the first modified example has a communication section 210, a storage section 220, and a control section 230. As shown in FIG. Note that the settlement server 200 according to the first modification has basically the same configuration as the settlement server 100 according to the embodiment. That is, communication unit 210, storage unit 220, and control unit 230 of payment server 200 correspond to communication unit 110, storage unit 120, and control unit 130 of payment server 100, respectively.

(Regarding communication unit 210)
Communication unit 210 is implemented by, for example, a NIC (Network Interface Card). The communication unit 210 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(Regarding storage unit 220)
The storage unit 220 is realized by, for example, a RAM (Random Access Memory), a semiconductor memory device such as a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 11, the storage unit 220 has a user information storage unit 221, a coupon information storage unit 222, a coupon-related information storage unit 223, and a model information storage unit 224. Note that the storage unit 220 is not limited to the example shown in FIG. 11, and may have a storage unit that stores other information in addition to the storage unit described above.

The user information storage unit 221, the coupon information storage unit 222, and the coupon-related information storage unit 223 included in the storage unit 220 are stored in the user information storage unit 121, the coupon information storage unit 122, and the coupon-related information storage unit 120 included in the storage unit 120. They correspond to the information storage units 123 and store the same information. Further, the storage unit 220 differs from the storage unit 120 in that it has a model information storage unit 224 . The model information storage unit 224 will be described below.

(Regarding the model information storage unit 224)
The model information storage unit 224 stores information (model data) of a learned model (model) learned (generated) by the learning process. Stores information about the trained model generated by the payment server 200 . For example, the model information storage unit 224 stores various information constituting the model, such as model configuration (network configuration) information and parameter information. The model data stored in the model information storage unit 224 includes nodes in each layer of the network, functions employed by each node, connection relations of the nodes, and connection coefficients set for connections between nodes. Contains information.

(Regarding the control unit 230)
Control unit 230 is a controller, and various programs stored in a storage device inside payment server 200 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using RAM as a work area. It is realized by being executed. Also, the control unit 230 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 11, the control unit 230 includes a payment processing unit 231, a selection unit 232, a transmission unit 233, a management unit 234, an acquisition unit 235, and a learning unit 236. , implements or performs the information processing functions and actions described below.

The payment processing unit 231, the selection unit 232, the transmission unit 233, and the management unit 234 of the control unit 230 are connected to the payment processing unit 131, the selection unit 132, the transmission unit 133, and the management unit 134 of the control unit 130, respectively. Yes. Further, the control unit 230 has an acquisition unit 235 and a learning unit 236 as new functional units corresponding to the first modified example. Hereinafter, among the information processing functions and actions realized or executed by each unit of the control unit 230, the information processing functions and actions specific to the first modification will be described.

(Regarding the acquisition unit 235)
Acquisition unit 235 acquires learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of the electronic payment service and information regarding a gift provided to the service user. The acquisition unit 235 transfers the acquired learning data to the learning unit 236 .

For example, the acquisition unit 235 may acquire learning data in which predetermined scores are assigned to coupons based on the number of times multiple coupons provided to the service user are used in settlement of transaction targets.

Further, for example, the acquiring unit 235 learns to assign a predetermined score to a plurality of coupons provided to the service user based on the evaluation information of the coupon previously acquired from the service user. data for

Also, for example, the acquisition unit 235 assigns a predetermined score to the coupons based on information indicating the period from when the service user acquires the plurality of coupons provided to the service user until when they are used. It is also possible to acquire learning data for

Further, for example, the acquisition unit 235 may acquire learning data in which scores are weighted according to attribute information indicating attributes of service users.

(Regarding the learning unit 236)
Based on the learning data acquired by the acquisition unit 235, the learning unit 236 learns an estimation model that outputs information for estimating a coupon corresponding to the input transaction object in response to input of information indicating the transaction object. do. The learning unit 236 stores the data of the learned model in the model information storage unit 224 when the learning of the estimation model is completed.

For example, when a transaction target is input, the learning unit 236 outputs a higher score for a coupon that has been used more frequently in settlement of the transaction target, and a lower score for a coupon that has been used less in settlement of the transaction target. The estimation model may be trained as

Also, for example, when a transaction target is input, the learning unit 236 outputs a higher score for a coupon with more positive evaluations from service users, and a lower score for coupons with fewer positive evaluations from service users. The model may be trained to output

Also, for example, the learning unit 236 learns an estimation model so that when a transaction target is input, a coupon with a shorter period from acquisition to use by a service user outputs a higher score. good too.

Further, for example, the learning unit 236 may learn an estimation model using learning data in which scores are weighted according to attribute information indicating attributes of service users.

(Regarding the selection unit 232)
When the payment processing by the payment processing unit 231 is normally completed, the selection unit 232 uses the learned model stored in the model information storage unit 224 to select a plurality of models provided in advance by the business operator that introduces the electronic payment service. Coupon candidates to be provided to service users are selected from among the coupons.

(4-1-5. Processing procedure example according to the first modification)
An example of the processing procedure of the learning process according to the first modification will be described below. FIG. 12 shows an example of the learning processing procedure executed by the settlement server 200 according to the first modified example.

As shown in FIG. 12, the acquisition unit 235 is a learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of the electronic payment service and information about a gift provided to the service user. Data is acquired (step S201).

Based on the learning data acquired by the acquisition unit 235, the learning unit 236 learns an estimation model that outputs information for estimating a coupon corresponding to the input transaction object in response to input of information indicating the transaction object. Then (step S202), the processing procedure shown in FIG. 12 ends.

(4-2. Second modification)
(4-2-1. Overview of information processing according to the second modification)
In the above-described embodiment, it may be arranged such that acquired coupons can be exchanged between service users. Information processing executed by the payment server 300, which is an example of the information processing apparatus according to the second modification, will be described below. FIG. 13 shows an outline of information processing according to the second modification. An example of information processing when coupons are exchanged between service users U1-1 and U1-2 of the electronic settlement service will be described below. It should be noted that the transfer of coupons described below can be realized, for example, by using the function of remittance between service users.

The information processing system SYS-B shown in FIG. 13 has terminal devices 10-1 and 10-2 and a settlement server 300. Terminal devices 10-1, 10-2 and settlement server 300 are connected to network N (see FIG. 14, for example). Terminal devices 10-1 and 10-2 and settlement server 300 can communicate through network N. FIG. The terminal device 10-1 is an information processing terminal used by the service user U1-1 of the electronic payment service. The terminal device 10-2 is an information processing terminal used by the service user U1-2 of the electronic payment service. Each of the terminal devices 10-1 and 10-2 has processing functions similar to those of the terminal device 10 according to the embodiment.

The terminal device 10-1 shown in FIG. 13 transmits a link information acquisition request for transferring the coupon to the settlement server 300 (step S21). The acquisition request of the terminal device 10-1 includes a coupon ID for specifying a coupon that the service user U1-1 designates as a transfer target.

Upon receiving the link information acquisition request from the terminal device 10-1, the settlement server 300 generates link information based on the received acquisition request. For example, the settlement server 300 identifies a coupon corresponding to the link ID included in the acquisition request, and generates link information associated with the identified coupon. The link information generated by the settlement server 300 is a URL (Uniform Resource Locator) linked to a coupon designated as a transfer target by the service user U1-1, and for example, a magic link can be used. The settlement server 300 transmits the generated link information to the terminal device 10-1 (step S23).

When terminal device 10-1 receives the link information from settlement server 300, terminal device 10-1, for example, in response to an operation by service user U1-1, sends and receives link information LK for transferring the coupon to service user U1-2. It is pasted on the screen CR (step S24). The link information LK pasted on the coupon transfer screen CR is provided to the service user U1-2 by, for example, a message function of a user application running on the terminal device 10-1.

The terminal device 10-2 executes a coupon transfer screen display process for displaying the coupon transfer screen CR according to the operation by the service user U1-2 (step S25). Link information LK for receiving the coupon from the service user U1-1 is displayed on the coupon transfer screen CR shown in FIG. When the terminal device 10-2 detects that the service user U1-2 has manipulated the link information LK, the terminal device 10-2 transmits the access information corresponding to the manipulation of the link information LK to the settlement server 300 (step S26).

When the settlement server 300 receives the access information from the terminal device 10-2, the settlement server 300 executes coupon transfer processing (step S27). For example, the settlement server 300 transfers the coupon information linked to the link information LK from the service user U1-1 to the service user U1-2. Specifically, the settlement server 300 deletes the coupon information linked to the link information LK from the coupon information corresponding to the service user U1-1 who is the transferee of the coupon, Coupon information associated with the link information LK is registered together with a time stamp for the coupon information corresponding to U1-2.

Further, when the coupon transfer processing is completed, the settlement server 300 transmits the coupon acquisition information to the terminal device 10-2 (step S28).

Upon receiving the coupon acquisition information from the settlement server 300, the terminal device 10-2 executes coupon information display processing (step S29). For example, the terminal device 10-2 displays a message M-2 to the effect that the coupon has been acquired on the coupon transfer screen CR.

(4-2-2. Configuration of settlement server according to second modification)
Next, the configuration of the settlement server 300 according to the second modified example will be described. FIG. 14 shows a configuration example of the settlement server 200 according to the second modified example. As shown in FIG. 14, the settlement server 300 according to the second modification has a communication section 310, a storage section 320, and a control section 330. Note that the settlement server 300 according to the second modification has basically the same configuration as the settlement server 100 according to the embodiment. That is, communication unit 310, storage unit 320, and control unit 330 of payment server 300 correspond to communication unit 110, storage unit 120, and control unit 130 of payment server 100, respectively.

(Regarding communication unit 310)
Communication unit 310 is realized by, for example, a NIC (Network Interface Card). The communication unit 310 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the terminal device 10 and the like.

(Regarding storage unit 320)
The storage unit 320 is realized 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. 14, the storage unit 320 has a user information storage unit 321, a coupon information storage unit 322, and a coupon-related information storage unit 323. Note that the storage unit 320 is not limited to the example shown in FIG. 14, and may have a storage unit that stores other information in addition to the storage unit described above.

The user information storage unit 321, the coupon information storage unit 322, and the coupon-related information storage unit 323 included in the storage unit 320 are stored in the user information storage unit 121, the coupon information storage unit 122, and the coupon-related information storage unit 120 included in the storage unit 120. They correspond to the information storage units 123 and store the same information.

(Regarding the control unit 330)
Control unit 330 is a controller, and various programs stored in a storage device inside payment server 300 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using RAM as a work area. It is realized by being executed. Also, the control unit 330 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 14, the control unit 330 includes a payment processing unit 331, a selection unit 332, a transmission unit 333, a management unit 334, a generation unit 335, and a transfer processing unit 336. implements or executes the information processing functions and actions described below.

In addition, the payment processing unit 331, the selection unit 332, the transmission unit 333, and the management unit 334 of the control unit 330 are connected to the payment processing unit 131, the selection unit 132, the transmission unit 133, and the management unit 134 of the control unit 130, respectively. Yes. Further, the control unit 330 has a generation unit 335 and a transfer processing unit 336 as new functional units corresponding to the second modified example. Hereinafter, among the information processing functions and actions realized or executed by each unit of the control unit 330, the information processing functions and actions specific to the second modification will be described.

(Regarding the generation unit 335)
The generation unit 335 generates link information in response to a link information acquisition request received from the terminal device 10 . For example, the generation unit 335 generates link information indicating a URL to which a coupon designated as a transfer target by the service user is associated.

(Regarding the transfer processing unit 336)
Upon receiving the access information from the terminal device 10-2, the transfer processing unit 336 executes coupon transfer processing. For example, the transfer processing unit 336 deletes the coupon information linked to the link information LK from the coupon information corresponding to the service user who is the transfer source of the coupon, among the coupon information stored in the user information storage unit 321. do. In addition, the transfer processing unit 336, among the coupon information stored in the user information storage unit 321, selects the coupon information associated with the service user who is the transferee of the coupon and the coupon associated with the link information LK. Register (store) information together with a time stamp.

[5. effect〕
As described above, the payment server 200 according to the first modification includes the acquisition unit 235, the learning unit 236, the payment processing unit 231, the selection unit 232, and the transmission unit 233. Acquisition unit 235 acquires learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of the electronic payment service and information regarding a gift provided to the service user. Based on the learning data acquired by the acquisition unit 235, the learning unit 236 learns an estimation model that outputs information for estimating the prize corresponding to the input transaction object in response to input of information indicating the transaction object. do. When the settlement processing unit 231 acquires a settlement request transmitted from the terminal device 10 used by the service user, the settlement processing unit 231 executes settlement processing according to the acquired settlement request. When the payment process is completed normally, the selection unit 232 uses the learned model learned by the learning unit 236 to select from among a plurality of predetermined gifts provided in advance by business operators that introduce electronic payment services, Select a free gift candidate to be provided to the service user. The transmission unit 233 transmits the prize providing content for providing the service user with the prize candidate selected by the selection unit 232, together with information for notifying the service user that the payment process has been completed, to the terminal device 10. Send.

Also, the acquisition unit 235 acquires learning data in which a predetermined score is assigned to a predetermined gift based on the number of times the plurality of predetermined gifts provided to the service user have been used for settlement of the transaction object. do. When a transaction object is input, the learning unit 236 outputs a higher score for a given prize that has been used more often when making payments for the transaction object, and outputs a lower score for a given prize that has been used less times when making payments for the transaction object. Train the estimation model so that

Further, the obtaining unit 235 obtains a predetermined score for a plurality of predetermined prizes provided to the service user based on the evaluation information for the predetermined prize obtained in advance from the service user. Acquire the training data assigned to . When a transaction target is input, the learning unit 236 outputs a higher score for a given prize with more positive evaluations from service users, and a lower score for a given prize with fewer positive evaluations from service users. Train the estimation model so that

Further, the obtaining unit 235 obtains a predetermined score for the predetermined prize based on the information indicating the period from when the plurality of predetermined prizes provided to the service user are acquired by the service user until they are used. Acquire the training data assigned to . The learning unit 236 learns the estimation model so that when a transaction target is input, a higher score is output for a given prize with a shorter period.

In addition, the acquisition unit 235 acquires learning data in which the score is weighted according to attribute information indicating the attribute of the service user.

In this way, the settlement server 200 according to the first modification uses the trained model by the processing executed by each unit described above, or any combination of the units, and provides the service user with It is possible to increase the accuracy of coupon candidate selection. Moreover, as a result, it is possible to improve the utilization rate of sales promotion measures with premiums.

[6. Hardware configuration]
Moreover, the settlement server 100 according to the embodiment described above, the settlement server 200 according to the first modification, and the settlement server 300 according to the second modification are executed by a computer 1000 configured as shown in FIG. Realized. FIG. 15 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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

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

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

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

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

For example, when computer 1000 functions as payment server 100, which is an example of an information processing apparatus according to an embodiment, computing device 1030 of computer 1000 executes a program (for example, an information processing program) loaded on primary storage device 1040. By executing it, a function similar to that of the control unit 130 is realized. That is, arithmetic device 1030 implements processing by payment server 100 according to the embodiment in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

Further, for example, when computer 1000 functions as payment server 200, which is an example of an information processing device according to the first modification, arithmetic device 1030 of computer 1000 can read a program (for example, By executing the information processing program), the same functions as those of the control unit 230 are realized. That is, arithmetic device 1030 realizes processing by payment server 200 according to the first modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

For example, when computer 1000 functions as payment server 300, which is an example of an information processing device according to the second modification, arithmetic device 1030 of computer 1000 executes a program (for example, information processing) loaded on primary storage device 1040. program), the same functions as those of the control unit 330 are realized. That is, arithmetic device 1030 realizes processing by payment server 300 according to the second modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

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

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can also be performed manually. All or part of the processing can also be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents 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. For example, the selection unit 132 and the transmission unit 133 included in the control unit 130 of the settlement server 100 according to the embodiment may be functionally integrated.

In addition, the configuration of the settlement server 100 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

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

10 terminal devices 100, 200, 300 settlement servers 110, 210, 310 communication units 120, 220, 320 storage units 121, 221, 321 user information storage units 122, 222, 322 coupon information storage units 123, 223, 323 coupon related Information storage units 130, 230, 330 Control units 131, 231, 331 Settlement processing units 132, 232, 332 Selection units 133, 233, 333 Transmission units 134, 234, 334 Management unit 235 Acquisition unit 236 Learning unit 335 Generation unit 336 Exchange processing unit

Claims (10)

an acquisition unit for acquiring learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Based on the learning data acquired by the acquisition unit, learning an estimation model that outputs information for estimating the predetermined prize corresponding to the input transaction object in response to input of information indicating the transaction object. a learning department that
a payment processing unit that, when acquiring a payment request transmitted from a terminal device used by the service user, executes payment processing in accordance with the acquired payment request;
When the payment processing is normally completed, using the learned model learned by the learning unit, the service can be used from among a plurality of predetermined gifts provided in advance by a business operator who introduces the electronic payment service. a selection unit that selects a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection unit, together with information for notifying the service user that the payment process has been completed. and a transmitter for
The acquisition unit
Acquiring the learning data in which a predetermined score is assigned to the predetermined prize based on the number of times the plurality of predetermined prizes provided to the service user are used in settlement of the transaction object;
The learning unit
When the transaction object is input, a higher score is output for the predetermined premium that is used more frequently in settlement of the transaction target, and a lower score is output for the predetermined premium that is used less in settlement of the transaction target. Train the estimation model so that
An information processing device characterized by: an acquisition unit for acquiring learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Based on the learning data acquired by the acquisition unit, learning an estimation model that outputs information for estimating the predetermined prize corresponding to the input transaction object in response to input of information indicating the transaction object. a learning department that
a payment processing unit that, when acquiring a payment request transmitted from a terminal device used by the service user, executes payment processing in accordance with the acquired payment request;
When the payment processing is normally completed, using the learned model learned by the learning unit, the service can be used from among a plurality of predetermined gifts provided in advance by a business operator who introduces the electronic payment service. a selection unit that selects a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection unit, together with information for notifying the service user that the payment process has been completed. and a transmitter that
has
The acquisition unit
A predetermined score is assigned to each of the plurality of predetermined gifts provided to the service user based on evaluation information of the predetermined prize obtained in advance from the service user. acquire the learning data,
The learning unit
When the transaction object is input, a higher score is output for the predetermined premium with more positive evaluations from the service users, and a lower score is output for the predetermined premium with fewer positive evaluations from the service users. An information processing apparatus, wherein the estimation model is learned so as to output an acquisition unit for acquiring learning data indicating a correspondence relationship between information indicating a transaction target purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Based on the learning data acquired by the acquisition unit, learning an estimation model that outputs information for estimating the predetermined prize corresponding to the input transaction object in response to input of information indicating the transaction object. a learning department that
a payment processing unit that, when acquiring a payment request transmitted from a terminal device used by the service user, executes payment processing in accordance with the acquired payment request;
When the payment processing is normally completed, using the learned model learned by the learning unit, the service can be used from among a plurality of predetermined gifts provided in advance by a business operator who introduces the electronic payment service. a selection unit that selects a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection unit, together with information for notifying the service user that the payment process has been completed. and a transmitter that
has
The acquisition unit
A predetermined score is assigned to each of the predetermined premiums provided to the service user based on information indicating a period from when the plurality of predetermined premiums provided to the service user are acquired by the service user until they are used. Acquiring the learning data,
The learning unit
The information processing apparatus, wherein the estimation model is learned such that, when the transaction object is input, the predetermined prize having a shorter period outputs a higher score. The acquisition unit
The information according to any one of claims 1 to 3 , wherein the learning data weighted for the score is obtained according to attribute information indicating attributes of the service user. processing equipment. A computer-executed information processing method comprising:
an obtaining step of obtaining learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of the electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired in the acquisition step. a learning process to
a payment processing step of, when a payment request transmitted from a terminal device used by the service user is acquired, executing payment processing in accordance with the acquired payment request;
When the payment processing is completed normally, the service use is selected from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned in the learning step. A selection process of selecting a prize candidate to be provided to a person;
Sending premium providing content for providing the service user with the premium candidate selected in the selection step, together with information for notifying the service user that the payment process has been completed, to the terminal device. and
The obtaining step includes
Acquiring the learning data in which a predetermined score is assigned to the predetermined prize based on the number of times the plurality of predetermined prizes provided to the service user are used in settlement of the transaction object;
The learning step includes:
When the transaction object is input, a higher score is output for the predetermined premium that is used more frequently in settlement of the transaction target, and a lower score is output for the predetermined premium that is used less in settlement of the transaction target. Train the estimation model so that
An information processing method characterized by: to the computer,
an acquisition procedure for acquiring learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired by the acquisition procedure. a learning procedure to
a payment processing procedure for executing payment processing according to the obtained payment request when a payment request transmitted from the terminal device used by the service user is acquired;
When the payment processing is completed normally, the service utilization is performed from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned by the learning procedure. A selection procedure for selecting a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection procedure, together with information for notifying the service user that the payment process has been completed. Execute the transmission procedure and
The acquisition procedure includes:
Acquiring the learning data in which a predetermined score is assigned to the predetermined prize based on the number of times the plurality of predetermined prizes provided to the service user are used in settlement of the transaction object;
The learning procedure includes:
When the transaction object is input, a higher score is output for the predetermined premium that is used more frequently in settlement of the transaction target, and a lower score is output for the predetermined premium that is used less in settlement of the transaction target. An information processing program, characterized in that the estimation model is learned such that A computer-executed information processing method comprising:
an obtaining step of obtaining learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of the electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired in the acquisition step. a learning process to
a payment processing step of, when a payment request transmitted from a terminal device used by the service user is acquired, executing payment processing in accordance with the acquired payment request;
When the payment processing is completed normally, the service use is selected from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned in the learning step. A selection process of selecting a prize candidate to be provided to a person;
Sending premium providing content for providing the service user with the premium candidate selected in the selection step, together with information for notifying the service user that the payment process has been completed, to the terminal device. and
including
The obtaining step includes
A predetermined score is assigned to each of the plurality of predetermined gifts provided to the service user based on evaluation information of the predetermined prize obtained in advance from the service user. acquire the learning data,
The learning step includes:
When the transaction object is input, a higher score is output for the predetermined premium with more positive evaluations from the service users, and a lower score is output for the predetermined premium with fewer positive evaluations from the service users. Train the estimation model so that
An information processing method characterized by: to the computer,
an acquisition procedure for acquiring learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired by the acquisition procedure. a learning procedure to
a payment processing procedure for executing payment processing according to the obtained payment request when a payment request transmitted from the terminal device used by the service user is acquired;
When the payment processing is completed normally, the service utilization is performed from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned by the learning procedure. A selection procedure for selecting a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection procedure, together with information for notifying the service user that the payment process has been completed. and
and
The acquisition procedure includes:
A predetermined score is assigned to each of the plurality of predetermined gifts provided to the service user based on evaluation information of the predetermined prize obtained in advance from the service user. acquire the learning data,
The learning procedure includes:
When the transaction object is input, a higher score is output for the predetermined premium with more positive evaluations from the service users, and a lower score is output for the predetermined premium with fewer positive evaluations from the service users. Train the estimation model so that
An information processing program characterized by: A computer-executed information processing method comprising:
an obtaining step of obtaining learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of the electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired in the acquisition step. a learning process to
a payment processing step of, when a payment request transmitted from a terminal device used by the service user is acquired, executing payment processing in accordance with the acquired payment request;
When the payment processing is completed normally, the service use is selected from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned in the learning step. A selection process of selecting a prize candidate to be provided to a person;
Sending premium providing content for providing the service user with the premium candidate selected in the selection step, together with information for notifying the service user that the payment process has been completed, to the terminal device. and
including
The obtaining step includes
A predetermined score is assigned to each of the predetermined premiums provided to the service user based on information indicating a period from when the plurality of predetermined premiums provided to the service user are acquired by the service user until they are used. Acquiring the learning data,
The learning step includes:
When the transaction object is input, the estimation model is learned so that a higher score is output for the predetermined prize with a shorter period.
An information processing method characterized by: to the computer,
an acquisition procedure for acquiring learning data indicating a correspondence relationship between information indicating a transaction object purchased by a service user of an electronic payment service and information about a predetermined gift provided to the service user;
Learning an estimation model for outputting information for estimating the predetermined prize corresponding to the input transaction object in accordance with the input of the information indicating the transaction object, based on the learning data acquired by the acquisition procedure. a learning procedure to
a payment processing procedure for executing payment processing according to the obtained payment request when a payment request transmitted from the terminal device used by the service user is acquired;
When the payment processing is completed normally, the service utilization is performed from among a plurality of predetermined gifts provided in advance by the business operator who introduces the electronic payment service, using the learned model learned by the learning procedure. A selection procedure for selecting a prize candidate to be provided to a person;
Sending to the terminal device the premium providing content for providing the service user with the premium candidate selected by the selection procedure, together with information for notifying the service user that the payment process has been completed. and
and
The acquisition procedure includes:
A predetermined score is assigned to each of the predetermined premiums provided to the service user based on information indicating a period from when the plurality of predetermined premiums provided to the service user are acquired by the service user until they are used. Acquiring the learning data,
The learning procedure includes:
When the transaction object is input, the estimation model is learned so that a higher score is output for the predetermined prize with a shorter period.
An information processing program characterized by:

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