JP7273219B2 - Information processing device, service providing system, information processing system, information processing method, and program - Google Patents

Description

The present invention relates to an information processing device, a service providing system, an information processing system, an information processing method, and a program.

Techniques for evaluating the reliability of information registered by a user for using a service through a network are known. For example, Patent Literature 1 discloses a technique for evaluating the reliability of information registered by a user and personnel information stored in advance by collating the information.

JP 2020-190955 A

In the technique described in Patent Document 1, in order to evaluate the reliability of information registered by a user, it is necessary to prepare personnel information corresponding to the user in advance. As a result, for example, when there is a change in the content of personnel information, the user needs to notify the organization or system storing the personnel information of the change. However, in the conventional technology, personnel information may not be changed quickly according to the user's actual situation, for example, due to the user forgetting to notify the change.

The present invention has been made in consideration of such circumstances, and provides an information processing apparatus, service providing system, information processing system, One object is to provide an information processing method and a program.

According to one aspect of the present invention, an information acquisition unit that acquires user information held by a provider of the service as information for the user to use the service, and a payment application program installed in the terminal device of the user. A change determination unit that determines whether or not there has been a change in the content indicated by the user information based on payment service-related information that is different from the user information held by the provider of the electronic payment service linked with and an update requesting unit that requests the terminal device to update the user information when the change determining unit determines that the content has changed.

According to one aspect of the present invention, it is possible to quickly change user information according to the user's actual situation.

It is a figure which shows an example of a structure of the system 1. FIG. 2 is a diagram showing an example of a functional configuration of a settlement server 20; FIG. 3 is a diagram showing an example of a scene where a user makes a payment using a payment application program of the terminal device 10; FIG. 3 is a diagram showing an exemplary configuration of balance information 32 stored in a storage unit 30; FIG. 3 is a diagram showing an exemplary configuration of payment history information 34 stored in a storage unit 30; FIG. 3 is a diagram showing an exemplary configuration of upload information 36 stored in a storage unit 30; FIG. 3 is a diagram showing an example of a functional configuration of an information processing device 60; FIG. 7 is a diagram showing an exemplary configuration of service user information 74 stored in a storage unit 70; FIG. 3 is a diagram for explaining the relationship between balance information 32, payment history information 34, and upload information 36 stored by a storage unit 30, and service user information 74 stored in a storage unit 70. FIG. 7 is a diagram showing an example of a change in the content indicated by service user information 74 determined by a change determination unit 66. FIG. 7 is a diagram showing an exemplary configuration of integrated information 78 stored in a storage unit 70; FIG. 7 is a diagram showing an example of update request information displayed on the terminal device 10 when the update requesting unit 68 requests update of the service user information 74. FIG. 4 is a sequence diagram showing an example of the flow of processing executed by the system 1; FIG.

Hereinafter, embodiments of an information processing apparatus, a service providing system, an information processing system, an information processing method, and a program according to the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing an example of the configuration of the system 1. As shown in FIG. The system 1 includes a terminal device 10, a settlement server 20, a service server 40, and an information processing device 60, for example. A combination of the service server 40 and the information processing device 60 is an example of a “service providing system”. is an example of an "information processing system."

Terminal device 10, settlement server 20, service server 40, and information processing device 60 communicate via network NW. The network NW includes a WAN (Wide Area Network), a LAN (Local Area Network), the Internet, a cellular network, and the like.

The terminal device 10 is a computer device having a communication function and a display function, such as a smart phone, a personal computer, or a tablet terminal. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser and an application program operate in cooperation to display content on the display unit of the terminal device 10. , various processes are executed.

The settlement server 20, for example, provides the terminal device 10 with content in response to a request transmitted from the terminal device 10, activates an application installed in the terminal device 10, and communicates with the activated application program. provide content by Various types of processing are, for example, settlement processing using electronic money. Details of the settlement server 20 will be described later.

The service server 40 is, for example, a server device that provides the terminal device 10 with content in response to a request transmitted by the terminal device 10, or an application installed in the terminal device 10 is activated and communicates with the activated application program. It is a server device that performs transmission and reception of various types of information and provides content. The service server 40 provides, for example, electronic money settlement deferred payment services, news services, shopping services, auction services, matching services, stock trading services, banking services, social network networking services, navigation services, etc. Provided through a network. In this embodiment, for convenience of explanation, it is assumed that the service server 40 provides a deferred payment service for electronic money settlement, but the service server 40 is not limited to this, and there are a plurality of service servers 40 that provide different services. may

FIG. 2 is a diagram showing an example of the functional configuration of the settlement server 20. As shown in FIG. The payment server 20 provides electronic payment services. The payment server 20 includes, for example, an information acquisition unit 22, a payment management unit 24, a payment processing unit 26, and a storage unit 30. The information acquisition unit 22, the payment management unit 24, and the payment processing unit 26 execute a program stored in a storage device by a processor such as a CPU, for example, and perform processing related to payment, which will be described later. The storage unit 30 stores, for example, balance information 32, payment history information 34, and upload information 36, which will be described later. The balance information 32, the payment history information 34, and the upload information 36 are examples of "payment service related information".

The information acquisition unit 22 acquires information transmitted by the payment application program installed on the terminal device 10 . The payment management unit 24 manages information acquired by the information acquisition unit 22 . For example, the payment management unit 24 manages the acquired information as payment service-related information. The payment processing unit 26 performs electronic payment processing in cooperation with a payment application program, a shop terminal (not shown) that can use the payment service provided by the payment server, and the like. The settlement server 20, for example, manages accounts of service providers that provide services to users and stores to be traded, and remittance of electronic money between accounts in accordance with settlement requests from users and stores. Realize various settlements.

For example, a user presents a screen on which code information (for example, a barcode) generated by a payment application program is displayed to a store clerk. The amount paid, the identification information of the store, and the identification information of the user are transmitted to the settlement server 20 . For example, user identification information is encoded in the code information, and the store terminal decodes the code information to acquire the user identification information, and furthermore, stores the store identification information held in advance and settles the amount to be settled. Send to server 20 . The settlement server 20 deducts the amount transmitted from the store terminal from the user's charged balance, and performs settlement by associating a predetermined amount of the deducted amount with the identification information of the store.

For example, when the user reads the code information specified by the store with the terminal device 10, operates the terminal device 10 to input the amount to be paid, and performs an operation for making a payment, the payment server 20 performs the above operation. The corresponding information, the identification information of the store, and the identification information of the user are acquired from the terminal device 10 . Then, the settlement server 20 deducts the transmitted amount from the user's charged balance, and performs settlement by associating a predetermined amount of the deducted amount with the identification information of the store.

FIG. 3 is a diagram showing an example of a scene where a user makes a payment using the payment application program of the terminal device 10. As shown in FIG. As shown in FIG. 3, the display unit of the terminal device 10 displays code information read by a camera (not shown) of the terminal device 10, a charge balance, a payment button PB1, and a deferred payment button PB2. The user can make a payment by entering the payment amount on the terminal device 10 and pressing the payment button PB1. can use the deferred payment service provided by the service server 40. Here, the deferred payment service is a service that enables the user to purchase goods or services without having to pay in advance to the electronic payment service. The amount used by the user is settled by, for example, being withdrawn from the charge balance on a predetermined day in the following month. When using the deferred payment service, the user registers service user information in the service server 40. Details of the service user information will be described later with reference to FIG.

In FIG. 3, since the user accesses the service server 40 via the payment application program of the terminal device 10 and uses the deferred payment service, the terminal device 10 executes the service provided by the service server 40. There is no need to install a separate application program for Thereby, the identification information of the terminal device 10 can be shared between the settlement server 20 and the service server 40 . For this reason, in the following description, the description of the process for identifying the terminal device 10 that is appropriately executed between the settlement server 20 and the service server 40 may be omitted.

[Data structure]
Next, configurations of the balance information 32, the settlement history information 34, and the upload information 36 stored in the storage unit 30 will be described with reference to FIGS. 4 to 6. FIG. FIG. 4 is a diagram showing an exemplary configuration of balance information 32 stored in storage unit 30. As shown in FIG. The balance information 32 is stored by the storage unit 30 for each user of the electronic payment service. As shown in FIG. 4, the balance information 32 is information such as summaries, withdrawals, deposits, charge balances, etc., associated with dates.

The summary is information indicating the reason why payment or payment was made to the charge balance of the user. Withdrawal is information indicating the amount withdrawn from the user's charge balance. The deposit is information indicating the amount transferred to the user's charge balance. The charge balance is information indicating the amount remaining in the user's account after withdrawal or deposit processing is executed. Payroll debit is an example of "payment information to user."

FIG. 5 is a diagram showing an exemplary configuration of the payment history information 34 stored in the storage unit 30. As shown in FIG. The payment history information 34 is stored by the storage unit 30 for each user of the electronic payment service. As shown in FIG. 5, in the payment history information 34, information such as a payment point and a payment amount are associated with time. The payment point is information indicating the store where the user purchased the goods or services using the electronic payment service. In FIG. 5, only the store name is shown for convenience, but GPS information (longitude/latitude information) indicating the location of the store may be stored. The payment amount is information indicating the amount of money the user has purchased for goods or services using the electronic payment service.

FIG. 6 is a diagram showing an exemplary configuration of the upload information 36 stored in the storage section 30. As shown in FIG. The upload information 36 is information that the terminal device 10 periodically transmits to the payment server 20 through background processing of the payment application program, and is stored in the storage unit 30 for each user of the electronic payment service. As shown in FIG. 6, the upload information 36 associates information such as position with time. FIG. 6 shows an example in which the terminal device 10 transmits the GPS information (longitude/latitude information) of the terminal device 10 to the settlement server 20 every 6 hours. The configuration is not limited, and the upload information may be sent at predetermined time intervals, such as, for example, every hour.

[Information processing device]
FIG. 7 is a diagram showing an example of the functional configuration of the information processing device 60. As shown in FIG. The information processing device 60 includes, for example, an information acquisition unit 62, a user information estimation unit 64, a change determination unit 66, an update request unit 68, and a storage unit . The information acquisition unit 62, the user information estimation unit 64, the change determination unit 66, and the update request unit 68 are implemented by a hardware processor such as a CPU (Central Processing Unit) executing a program (software). be. Some or all of these components are hardware (circuit part; circuitry) or by cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage such as a DVD or CD-ROM. It may be stored in a medium (non-transitory storage medium) and installed in the storage device by loading the storage medium into the drive device. All the above components need not be implemented by a single processor, and distributed processing by a plurality of processors may be performed as appropriate. Also, part or all of the functional configuration of the information processing device 60 may be included in the payment server 20 .

The information acquisition unit 62 acquires the user information registered in the electronic payment service, the balance information 32, the payment history information 34, and the upload information 36 from the payment server 20, and stores them in the storage unit 70 as payment service related information 72. store in The information acquisition unit 62 further acquires user information held by the service server 40 as information for the user to use the deferred payment service, and stores it in the storage unit 70 as service user information 74 . The information acquisition unit 62 integrates the payment service-related information 72 , user information estimated based on the payment service-related information 72 (details will be described later), and the service user information 74 , and manages them as integrated information 78 . The integrated information 78 is information comprehensively summarizing information about each user based on information acquired from the settlement server 20 and the service server 40 .

FIG. 8 is a diagram showing an exemplary configuration of service user information 74 stored in storage unit 70. As shown in FIG. As shown in FIG. 8, the service user information 74 is a user ID associated with information such as name, telephone number, e-mail address, place of work, address, annual income, and the like. These pieces of information are entered on the application screen provided by the service server 40 using the terminal device 10 and transmitted to the service server 40 when the user uses the deferred payment service. Since it is important to grasp the creditworthiness of the user in the deferred payment service, the service user information 74 also stores information indicating the user's financial strength, such as place of work and annual income.

The name is information indicating the name of the user corresponding to the user ID. The telephone number is information indicating the telephone number of the user corresponding to the user ID. The e-mail address is information indicating the e-mail address of the user corresponding to the user ID. The place of work is information indicating the name of the company where the user corresponding to the user ID works. The address is information indicating the address of the residence where the user corresponding to the user ID lives. The annual income is information indicating the amount of annual income earned by the user corresponding to the user ID. These pieces of information were entered when the user corresponding to the user ID started using the deferred payment service. There is a problem that the contents of the information are not changed quickly because the user forgets to update the information.

Therefore, the user information estimation unit 64 estimates the contents of the service user information 74 based on the payment service related information 72 . More specifically, the user information estimation unit 64 estimates the content of each item of the service user information 74 based on the payment service related information 72 and stores the estimated content as the estimated user information 76 . Next, the change determining section 66 compares the estimated user information 76 estimated by the user information estimating section 64 and the service user information 74, and determines whether or not the content indicated by the service user information 74 has changed.

FIG. 9 is a diagram for explaining the relationship between the balance information 32, payment history information 34, and upload information 36 stored by the storage unit 30 and the service user information 74 stored in the storage unit 70. . The user information estimation unit 64 estimates the user's place of work information, for example, based on the information of the settlement point included in the settlement history information 34, and the change determination unit 66 determines the estimated place of work information and the service user information 74 is compared with the place of work information of the service user information 74 to determine whether or not there has been a change in the contents indicated by the place of work information of the service user information 74 . More specifically, referring to the payment history information 34 in FIG. 5, the user uses the electronic payment service at store A during the daytime hours every day in April and May. Therefore, the user information estimation unit 64 estimates that the user's place of work is near the A store, and the change determination unit 66 determines the distance between the A store and the C company indicated by the place of work information of the service user information 74. The distance is measured based on map information (not shown) stored in the information processing device 60 . In this case, the "distance" may be a straight line distance connecting the GPS coordinates of Store A and the GPS coordinates of C Trading, or may be the user's walking distance calculated based on the road structure set in the map information. There may be. The change determination unit 66 compares the measured distance with a threshold value (for example, 1 [km]), and if the distance is less than the threshold value, it is determined that there is no change in the content indicated by the workplace information of the service user information 74. judge. In the case of FIG. 5, Store A and Trading C are located on opposite sides across the intersection, and the distance between the two points is less than the threshold. It is judged that there is no change in the displayed contents.

Three months have passed since then, and as shown at the bottom of the payment history information 34 in FIG. 5, the user uses the electronic payment service at the C store during the daytime hours every day in July and August. Therefore, the user information estimation unit 64 estimates that the user's place of work is near the C store, and the change determination unit 66 next determines the C store and the C trading indicated by the place of work information of the service user information 74. Again measure the distance between and compare the measured distance to the threshold. Referring to FIG. 9, since C Store and C Trading are far apart, the change determination unit 66 determines that the measured distance is greater than or equal to the threshold, and the content indicated by the workplace information of the service user information 74 Determine that there has been a change.

Further, for example, the user information estimation unit 64 estimates the user's address information based on the information on the settlement point included in the settlement history information 34, and the change determination unit 66 estimates the estimated address information and the service user By comparing with the address information of the information 74, it is determined whether or not the content indicated by the address information of the service user information 74 has changed. More specifically, referring to the payment history information 34 of FIG. 5, the user uses the electronic payment service at the B store every night in April and May. Therefore, the user information estimation unit 64 estimates that the address of the user is near the B store, and the change determination unit 66 calculates the distance between the B store and the point indicated by the address information of the service user information 74 as follows: Measure based on map information. In the case of FIG. 5, store B and the point indicated by the address information of the service user information 74 are located on opposite sides of the road, and the distance between the two points is less than the threshold. It is determined that the contents indicated by the address information of the user information 74 have not changed.

Three months have passed since then, and as shown at the bottom of the payment history information 34 in FIG. 5, the user uses the electronic payment service at the D store every night in July and August. Therefore, the user information estimation unit 64 estimates that the user's place of work is near the D store, and the change determination unit 66 next determines the distance between the D store and the point indicated by the address information of the service user information 74. again, and compare the measured distance to the threshold. Referring to FIG. 9, since the distance between the D store and the point indicated by the address information of the service user information 74 is far, the change determination unit 66 determines that the measured distance is equal to or greater than the threshold, and the service user information 74 It is determined that there has been a change in the content indicated by the address information.

In the above description, the user information estimation unit 64 estimates work place information from the payment history of the electronic payment service during the daytime, and estimates address information from the payment history of the electronic payment service during the nighttime. ing. However, the invention is not limited to such a configuration. For example, some users may come to work at night and leave the office at noon. Therefore, the user information estimation unit 64 may estimate the place of work information or the address information further based on the uploaded information 36, for example. For example, if the GPS coordinates of the uploaded information 36 in the nighttime zone indicate the position of an office building, the user information estimation unit 64 estimates the place of work information from the payment history of the electronic payment service in the nighttime zone. Alternatively, if the GPS coordinates of the upload information 36 in the daytime zone indicate the location of the residence, the address information may be estimated from the payment history of the electronic payment service in the daytime zone.

Further, for example, the user information estimation unit 64 estimates user's annual income information based on the deposit information included in the balance information 32, and the change determination unit 66 estimates the estimated annual income information and the annual income information of the service user information 74. is compared to determine whether or not there has been a change in the content indicated by the annual income information of the service user information 74 . More specifically, referring to the balance information 32 in FIG. 4, 300,000 yen is deposited on the 6th of every month according to the description of "salary transfer". Therefore, the user information estimation unit 64 estimates that the user's annual income is 3,600,000 yen, and the change determination unit 66 compares the annual income of 3,600,000 yen indicated by the annual income information of the service user information 74, and determines that the difference is the threshold value ( For example, when it is less than 1 million yen), it is determined that the content indicated by the annual income information of the service user information 74 has not changed. In this case, since the difference is zero, the change determination unit 66 determines that the content indicated by the annual income information of the service user information 74 has not changed.

Three months later, as shown in the lower part of the balance information 32 in FIG. 4, the amount of salary transferred to the user's account changed from 300,000 yen to 400,000 yen. Therefore, the user information estimation unit 64 estimates that the user's annual income is 4,800,000 yen, and the change determination unit 66 compares the annual income of the user with 3,600,000 yen indicated by the annual income information of the service user information 74, and determines that the difference is equal to or greater than the threshold. That is, it is determined that the content indicated by the annual income information of the service user information 74 has changed.

Also, for example, the user information estimation unit 64 estimates the user's annual income information based on the payment amount included in the payment history information 34 . More specifically, for example, the user information estimation unit 64 totals the settlement amounts included in the settlement history information 34 of FIG. The smaller the payment amount, the lower the estimated annual income of the user. The change determination unit 66 records the monthly total settlement amount, and can determine that the user's annual income has increased (decreased) when the total settlement amount increases (decreases). Also, for example, the user information estimation unit 64 can estimate the annual income of the user by multiplying the total settlement amount by a predetermined coefficient. The predetermined coefficient in this case can be determined, for example, based on statistical data showing the relationship between the annual income information of multiple users and the amount of payments for one month. Further, for example, the user information estimating unit 64 totals the amount charged to the electronic payment service by the user for one month based on the balance information 32, and the larger the total amount charged, the higher the annual income of the user. The smaller the charge amount, the lower the annual income of the user is estimated. The change determining unit 66 records the monthly total charge amount, and can determine that the user's annual income has increased (decreased) when the total charge amount increases (decreases). Also, for example, the user information estimation unit 64 can estimate the user's annual income by multiplying the total charge amount by a predetermined coefficient. The predetermined coefficient in this case can be determined, for example, based on statistical data showing the relationship between the annual income information of multiple users and the monthly charge amount.

When the difference between the estimated annual income and the amount indicated by the annual income information of the service user information 74 is less than the threshold, the change determination unit 66 determines that the content indicated by the annual income information of the service user information 74 has not changed. do. On the other hand, if the difference between the estimated annual income and the amount indicated by the annual income information of the service user information 74 is equal to or greater than the threshold, the change determination unit 66 determines that there has been no change in the content indicated by the annual income information of the service user information 74. I judge that.

Further, for example, the user information estimation unit 64 estimates the user's workplace information based on the location information of the terminal device 10 included in the upload information 36, and the change determination unit 66 estimates the estimated workplace information and the service By comparing with the place of work information of the user information 74, it is determined whether or not the content indicated by the place of work information of the service user information 74 has changed. More specifically, the user information estimation unit 64 selects position coordinates that appear a predetermined number of times (for example, three times) or more among the plurality of position coordinates included in the upload information 36, and based on the map information. For example, if the position coordinates indicate a workplace such as an office building, the position coordinates are estimated as the user's workplace information. For example, in the case of FIGS. 6 and 9, the user information estimation unit 64 estimates the position coordinates of "XX degrees XX minutes XX seconds" as the user's workplace, and the change determination unit 66 estimates "XX degrees XX minutes XX seconds '' and C Trading indicated by the place of work information of the service user information 74 is measured, and the measured distance is compared with a threshold value. As shown in FIG. 9, since the position coordinates of "XX degrees XX minutes XX seconds" and C Trading Co., Ltd. match, the change determination unit 66 determines that there has been no change in the contents indicated by the workplace information of the service user information 74. judge.

After three months have passed, as shown at the bottom of the upload information 36 in FIG. 6, the position coordinates of "ZZ degrees ZZ minutes ZZ seconds" appear more than a predetermined number of times, and the position coordinates indicate an office building. Therefore, the user information estimation unit 64 next estimates the position coordinates of "ZZ degrees ZZ minutes ZZ seconds" as the user's place of work information. Next, the change determination unit 66 measures the distance between the position coordinates of “ZZ degrees ZZ minutes ZZ seconds” and the C company indicated by the workplace information of the service user information 74, and uses the measured distance as a threshold value. compare. As shown in FIG. 9, since the position coordinates of "ZZ degrees ZZ minutes ZZ seconds" are far from C Trading, the change determination unit 66 determines that there is no change in the contents indicated by the workplace information of the service user information 74. I judge that.

Also, for example, the user information estimation unit 64 estimates the address information of the user based on the position information of the terminal device 10 included in the upload information 36, and the change determination unit 66 stores the estimated address information and the service user information. It is compared with the address information of 74, and it is determined whether or not the content indicated by the address information of the service user information 74 has changed. More specifically, the user information estimation unit 64 selects position coordinates that appear a predetermined number of times (for example, three times) or more among the plurality of position coordinates included in the upload information 36, and based on the map information. For example, if the address indicates a residential area such as an apartment, the position coordinates are estimated as the user's address information. For example, in the case of FIGS. 6 and 9, the user information estimation unit 64 estimates the position coordinates of "YY degrees YY minutes YY seconds" as the user's address, and the change determination unit 66 estimates "YY degrees YY minutes YY seconds" and "00 town 91-6" indicated by the address information of the service user information 74 is measured, and the measured distance is compared with a threshold value. As shown in FIG. 9, the position coordinates of "YY degrees YY minutes YY seconds" and "00 town 91-6" match. It is judged that there is no change in the content.

After three months have passed, as shown at the bottom of the upload information 36 in FIG. 6, the position coordinates of "VV degrees VV minutes VV seconds" appear more than a predetermined number of times, and the position coordinates indicate an apartment. Therefore, the user information estimation unit 64 next estimates the position coordinates of "VV degrees VV minutes VV seconds" as the address information of the user. Next, the change determination unit 66 measures the distance between the position coordinates of “VV degrees VV minutes VV seconds” and C Shoji indicated by the address information of the service user information 74, and compares the measured distance with a threshold value. do. As shown in FIG. 9, since the position coordinates of "VV degrees VV minutes VV seconds" are far from C Trading, the change determination unit 66 determines that there has been a change in the content indicated by the address information of the service user information 74. judge.

FIG. 10 is a diagram showing an example of a change in the content indicated by the service user information 74 determined by the change determination unit 66. As shown in FIG. As shown in FIG. 10, based on the balance information 32, the settlement history information 34, and the upload information 36, the change determination unit 66 determines that the content indicated by the work place information of the service user information 74 changes from near the A store to near the D store. determined that the content indicated by the address information of the service user information 74 changed from near the B store to near the C store, and the content indicated by the annual income information of the service user information 74 changed from 3.6 million yen to 4.8 million yen. It is determined that

The update request unit 68 requests the terminal device 10 to update the service user information 74 when the change determination unit 66 determines that there has been a change in the content indicated by an item in the service user information 74 . More specifically, the update requesting unit 68 notifies the service server 40 that there is a possibility that the content indicated by a certain item in the service user information 74 has changed. Update request information for confirming the necessity of updating the service user information 74 is displayed on the settlement application program of the terminal device 10 .

FIG. 11 is a diagram for explaining the integrated information 78. As shown in FIG. As shown in FIG. 11, the information stored in the "payment service" column is user information estimated based on the user information (name, phone number, email address) registered in the electronic payment service and the payment service-related information 72. The information stored in the "first service" column corresponds to the information (place of work, address, annual income), and corresponds to the service user information 74, and the information stored in the "second service" and subsequent columns is It corresponds to service user information stored in another service server that cooperates with the electronic payment service.

The update request unit 68 requests the terminal device 10 to update the service user information 74 when the change determination unit 66 determines that there has been a change in the content of the information stored in the "settlement service" column of the integrated information 78. At the same time, the service server 40 (and other service servers) may be notified of the change in content. For example, in FIG. 11, when it is determined that there has been a change in the content of the information of "telephone number" stored in the column of "settlement service", the update request unit 68 instructs the terminal device 10 to update the "telephone number". and may notify the service server 40 (and other service servers) of the change in the content. Further, for example, when the change determination unit 66 determines that there has been a change in the content of the information of "place of work" in the integrated information 78, the update request unit 68 requests the terminal device 10 to update "place of work". At the same time, the service server 40 (and other service servers) may be notified of the change in content.

Note that the update request unit 68 not only unidirectionally notifies the service server 40 of changes in information registered or estimated by the electronic payment service, but also informs the payment server 20 and other parties of changes in information registered by the service server 40. may be bi-directionally notified to the service server. In other words, if there is a discrepancy between the information stored in each column registered in the integrated information 78, the update request unit 68 sends information indicating the discrepancy to the settlement server 20 and the service server 40 as a whole. may be shared.

For example, the following processing may be performed when the integrated information 78 is generated. The information processing device 60 determines that the information is user information based on part or all of the content of information acquired from a plurality of service providers, the type of information, the format of information, or the label associated with the information. When it is determined, the information is aggregated as user information. The information processing device 60 recognizes the content of the information, and if it determines that the information is information such as the name, address, or e-mail address of the target user managed by the integrated information 78, the information is used as user information. It is associated with the target item of the integrated information 78 . For example, when the information processing apparatus 60 determines that the format of the information is a predetermined format, the information processing device 60 associates the information with the target item of the integrated information 78 as user information. For example, if there is "@" after alphabets, numbers, or a combination thereof, and a character string presumed to be a domain such as "****.com" is included after "@", information processing device 60 This information is identified as the user's email address. The information processing device 60 may estimate the domain based on dictionary information held in advance, and if it has a predetermined character string (for example, ".com"), this information is estimated to be a mail address. . Further, the information processing device 60 receives a label indicating the type of item information (for example, a label indicating name information or a label indicating mail address information) from a service provider, together with the label information. may be obtained, and integrated information 78 may be generated based on the obtained information.

For example, the form of information transmitted to the information processing device 60 may differ for each service server 40 . In this case, the information processing device 60 can determine what item information the acquired information corresponds to by referring to the content, type, format, label, and the like of the information as described above. For example, one service server may send "email;XXX@XXX.com" and another service server may send "mail address;XXX@XXX.com". Even if there is a difference in the notation of the item of the mail address in this way, the information processing device 60, for example, analyzes the meaning of predetermined dictionary information, keywords, and characters, and these correspond to the mail address. can be determined. In this manner, even when the service server 40 provides information in different formats, the information processing device 60 performs so-called name identification in consideration of the similarity of the specific information format, and determines which information is different. It is possible to match whether it corresponds to the item information. When the service server 40 receives information from the information processing device 60, the type of the received information may be determined in consideration of the similarity of the format of the information as described above.

FIG. 12 is a diagram showing an example of update request information displayed on the terminal device 10 when the update request unit 68 requests update of the service user information 74. As shown in FIG. As described above with reference to FIG. 10, the change determination unit 66 determines that there has been a change in the workplace information, the address information, and the annual income information. , information for confirming the necessity of updating the annual income information is displayed on the settlement application program of the terminal device 10 . Thereby, the user can confirm the necessity of updating the service user information 74 on the terminal device 10, and can quickly change the user information according to the user's actual situation. Note that FIG. 12 describes an example of specifically displaying information that is estimated to need updating, but the present invention is not limited to such a configuration, and there is a need for updating. An update confirmation message may be displayed without specifically designating user information that is estimated to be.

When the service server 40 is notified by the update requesting unit 68 that there is a possibility of change in the content indicated by a certain item of the service user information 74, the service server 40 changes the content of the service provided to the user based on the notification. You may For example, in the case of FIG. 10, the service server 40 increases the postpaid upper limit amount of the postpaid service in response to receiving a notification indicating that the user's annual income may have changed from 3.6 million yen to 4.8 million yen. You may let

[sequence]
FIG. 13 is a sequence diagram showing an example of the flow of processing executed by the system 1. As shown in FIG. First, the information processing device 60 detects a change in the content indicated by the service user information 74 based on the estimated user information 76 (S100). Next, the information processing device 60 notifies the service server 40 of the detected change (S101). Next, the service server 40 requests the terminal device 10 to update the service user information 74 (S102).

Next, when the terminal device 10 receives the update request for the service user information 74, it causes the display unit to display the update request information for confirming the necessity of updating the service user information 74. is received (S103). Next, the terminal device 10 transmits the updated service user information 74 to the service server 40 (S104). Next, when the service server 40 receives the updated service user information 74, the service server 40 stores the updated service user information 74 in its own storage unit (S105).

Next, the service server 40 transmits the updated service user information 74 to the information processing device 60 (S106). Next, the information processing device 60 stores the received service user information 74 in the storage unit 70 (S107). This completes the processing of the sequence diagram.

In the above-described embodiment, when the change determining unit 66 determines that there is a change in the content indicated by an item in the service user information 74, the terminal device 10 is requested to update the service user information 74. However, the present invention is not limited to such a configuration, and may include a determination result providing unit that provides the service server 40 with the determination result of the change determination unit 66 without requesting the terminal device 10 to update. In this case, the service server 40 receives the determination result. The content of the service provided to the user may be changed according to the content of the determination result.

According to the embodiment of the present invention described above, the information processing device 60 estimates the content of the user information held by the service server 40 based on the payment service-related information held by the payment server 20. Then, when it is determined that the content indicated by the user information has changed based on the estimation result, the terminal device 10 is requested to update the user information. This makes it possible to quickly change the user information according to the user's actual situation.

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

1 System 10 Terminal Device 20 Settlement Server 22 Information Acquisition Unit 24 Settlement Management Unit 26 Settlement Processing Unit 30 Storage Unit 32 Balance Information 34 Settlement History Information 36 Upload information 40 Service server 60 Information processing device 62 Information acquisition unit 64 User information estimation unit 66 Change determination unit 68 Update request unit 70 Storage unit 72 Settlement service related information , 74... service user information, 76... presumed user information

Claims (16)

an information acquisition unit that acquires user information held by the provider of the service as information for the user to use the service;
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. A change determination unit that determines whether or not there has been a change in
an update request unit that requests the terminal device to update the user information when the change determination unit determines that there has been a change in the content indicated by the user information;
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the settlement service-related information, the change determination unit determines the content indicated by the user information for one of the plurality of different types of services. determine whether there has been a change,
When the change determination unit determines that the content indicated by the user information has changed, the update request unit transmits the user information to the terminal device of the user who uses one of the plurality of different types of services. request an update of
Information processing equipment. an information acquisition unit that acquires user information held by the provider of the service as information for the user to use the service;
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. A change determination unit that determines by estimation whether or not there has been a change in
When it is determined by the change determination unit that there has been a change in the content indicated by the user information , the terminal device is requested to update the user information, and the user information held by the service provider is registered. an update request unit that requests the terminal device to update the registration information of the electronic payment service when a change in content is confirmed;
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the settlement service-related information, the change determination unit determines the contents indicated by the user information for any one of the plurality of different types of services. determine whether there has been a change,
Information processing equipment. The payment service-related information includes payment history,
The information processing apparatus according to claim 1 or 2. The user information includes workplace information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the place of work information based on the information on the settlement point included in the settlement history.
The information processing apparatus according to claim 3. The user information includes address information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the address information based on the information on the settlement point included in the settlement history.
The information processing apparatus according to claim 3. The user information includes annual income information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the annual income information based on information on the settlement amount included in the settlement history.
The information processing apparatus according to claim 3. The payment service-related information includes location information of the terminal device that the payment application program uploads to the electronic payment service,
The user information includes workplace information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the workplace information based on the location information.
The information processing apparatus according to claim 1 or 2. The payment service-related information includes location information of the terminal device that the payment application program uploads to the electronic payment service,
The user information includes address information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the address information based on the position information.
The information processing apparatus according to claim 1 or 2. The payment service-related information includes payment information to the user performed using the electronic payment service,
The user information includes annual income information of the user,
The change determination unit determines whether or not there has been a change in the content indicated by the annual income information based on the payment information.
The information processing apparatus according to claim 1 or 2. Further comprising a determination result providing unit that provides a determination result by the change determination unit to a provider of a service related to the user information,
The information processing apparatus according to any one of claims 1 to 9. an information processing apparatus according to claim 10;
a service server that provides the service;
with
The service server changes the content of the service provided to the user according to the determination result provided by the determination result providing unit.
Service delivery system. an information processing apparatus according to any one of claims 1 to 10;
an electronic payment server;
a payment application program for displaying code information in which user identification information is encoded on a display unit, or reading code information provided in a store, and executing an electronic payment service in cooperation with a payment server;
An information processing system comprising the computer
Acquiring user information held by the provider of the service as information for the user to use the service,
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. determine whether there has been a change in
when it is determined that the content indicated by the user information has changed, requesting the terminal device to update the user information;
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the payment service-related information, it is determined whether or not there has been a change in the content indicated by the user information for any of the plurality of different types of services. judge,
When it is determined that the content indicated by the user information has changed, requesting the terminal device of the user who uses one of the plurality of different types of services to update the user information;
Information processing methods. to the computer,
Acquiring user information held by the provider of the service as information for the user to use the service;
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. determines whether or not there has been a change in
when it is determined that the content indicated by the user information has changed, requesting the terminal device to update the user information;
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the payment service-related information, it is determined whether or not there has been a change in the content indicated by the user information for any of the plurality of different types of services. let me judge
When it is determined that the content indicated by the user information has changed, requesting the terminal device of the user who uses one of the plurality of different types of services to update the user information;
program. the computer
Acquiring user information held by the provider of the service as information for the user to use the service,
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. determine by estimation whether there has been a change in
When it is determined that the content indicated by the user information has changed, the terminal device is requested to update the user information, and the change in the registered content of the user information held by the service provider is confirmed. If so, request the terminal device to update the registration information of the electronic payment service,
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the payment service-related information, it is determined whether or not there has been a change in the content indicated by the user information for any of the plurality of different types of services. judge,
Information processing methods. to the computer,
Acquiring user information held by the provider of the service as information for the user to use the service;
Contents indicated by the user information based on payment service-related information that is different from the user information held by a provider of an electronic payment service that cooperates with a payment application program installed in the terminal device of the user. determines by estimation whether or not there has been a change in
When it is determined that the content indicated by the user information has changed, the terminal device is requested to update the user information, and the change in the registered content of the user information held by the service provider is confirmed. If so, request the terminal device to update the registration information of the electronic payment service,
the services include a plurality of different types of services;
Based on the user information stored for each of the plurality of different types of services and the payment service-related information, it is determined whether or not there has been a change in the content indicated by the user information for any of the plurality of different types of services. to judge
program.

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