JP7309803B2 - Selection device, selection method and selection program - Google Patents

Description

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

Conventionally, techniques related to trading of financial products on the Internet are known. As an example of such a technique, an index value indicating the relationship between brands is calculated based on user information including the user's action history with respect to brand information, and brand information is provided to the user based on the calculated index value. is known.

JP 2018-005669 A

However, with the above-described technology, there are cases where it cannot be said that the financial product to be proposed to the user for purchase is appropriately selected.

For example, in the above-described technology, brand information is simply provided based on the behavior of users viewing brands on finance sites and the behavior of searching for brands on search sites. Since the purchase of a financial product cannot be suggested based on the user's interest in the financial product, it may not be said that the financial product to be suggested to the user for purchase is appropriately selected.

The present application has been made in view of the above, and aims to appropriately select a financial product to be proposed to a user for purchase.

A selection device according to the present application includes a storage unit that stores information about financial products and information about a transaction target, and an acquisition unit that acquires target information indicating a transaction target for which a user has made a payment using a predetermined payment method. and specifying information corresponding to the transaction target indicated by the target information acquired by the acquisition unit from among the information related to the transaction target stored in the storage unit, and identifying the financial product indicated by the information stored in the storage unit A selection unit that selects a financial product having a predetermined relationship with the specified information as a financial product to be purchased by the user, and provides the predetermined settlement means using the user terminal used by the user. The purchase of the financial product selected by the selection unit and purchasable using the predetermined payment means via the predetermined platform that distributes information on the financial product. and a proposing unit for proposing the

According to one aspect of the embodiment, it is possible to appropriately select the financial product to be purchased by the user.

FIG. 1 is a diagram illustrating an example of selection processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram illustrating an example of an investment product database according to the embodiment; FIG. 5 is a diagram illustrating an example of a business operator information database according to the embodiment; FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of a selection process procedure according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

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

[1. embodiment]
Selection processing realized by the selection device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of selection processing according to the embodiment. In FIG. 1, it is assumed that the selection process and the like according to the embodiment are realized by the settlement server 10, which is an example of the selection device according to the embodiment.

As shown in FIG. 1, the selection system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a store terminal 200. The payment server 10, the user terminal 100, and the store terminal 200 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so that they can communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The selection system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of shop terminals 200. FIG.

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

The settlement server 10 also provides finance services. For example, the payment server 10 serves as a financial service in an application (mini-app) launched within an electronic payment application (hereinafter sometimes simply referred to as a "payment application") using the user terminal 100. We provide a financial service that enables the purchase of financial products using the balance of the user's electronic money in the application and the points given to the user in the payment application. Hereinafter, an application that provides financial services may be simply referred to as a "finance application".

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

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

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

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

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

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

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

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

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

[1-2. Overview of Embodiment]
Here, conventionally, as a technology related to trading of financial products on the Internet, an index value indicating the relationship between brands is calculated based on user information including the user's action history with respect to brand information, and based on the calculated index value, Techniques for providing brand information to be provided to users are known. However, such technology only provides stock information based on the user's behavior of browsing stocks on a finance site or searching for stocks on a search site. It may not be possible to say that the purchase of financial products is appropriately selected based on the user's interest in the financial products that the user is interested in purchasing.

Therefore, the settlement server 10 executes selection processing according to the embodiment. Selection processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

Further, in the following description, an example in which the store terminal 200 is used by an administrator (clerk, etc.) M1 who manages a store A, which is a retail store (department store, supermarket, convenience store, etc.) is shown. Also, in the following description, the store terminal 200 may be identified with the administrator M1. That is, hereinafter, the manager M1 can be read as the store terminal 200 as well.

Further, in the following description, the payment server 10 is assumed to manage business operator information on the business operator who is the product provider (manufacturer, etc.) in the storage unit of its own device. For example, the payment server 10 stores, as the business operator information, products manufactured by the business operator and sold at stores managed by the business operator or at stores managed by other business operators (for example, retailers). related information (for example, the name of the product and the information indicated by the barcode attached to the product), the industry to which the product belongs (for example, apparel, food and drink, sporting goods, etc.), and whether or not the company managed by the business is listed Manage information such as

Also, in the following description, the settlement server 10 manages information on investment products provided to users in finance services in its own storage unit. For example, the settlement server 10 stores, as information about investment products, the type of investment product (for example, stocks, investment trusts, etc.), the name of the investment product (brand name), the industry to which the company issuing the investment target stock belongs, the investment It manages information such as product prices (for example, stock prices and investment trust base prices), product details (for example, various classifications of stocks, Investment Trusts Association classifications of investment trusts, etc.).

First, a user U1 who visits the store A and purchases a product at the store A executes payment using the user terminal 100 described above. In the example of FIG. 1, it is assumed that the user U1 desires to make the above-described payment to the store A by reading the user identification information (user ID) by the store terminal 200. . In this case, the administrator M1 uses the store terminal 200 to read the product code (product ID) of each product purchased by the user U1 and the user ID of the user U1 displayed on the user terminal 100. (Step S1). For example, the store terminal 200 reads the barcode (product ID) attached to the product and the user ID displayed on the user terminal 100 using a barcode reader or the like at the time of checkout.

Subsequently, the payment server 10 acquires payment information from the store terminal 200 (step S2). For example, the payment server 10 stores the store ID of the store A, the product ID read by the store terminal 200 in step S1, the total price of each product linked to the product ID (settlement amount), Payment information including a person ID is acquired from the store terminal 200 .

Subsequently, the payment server 10 executes payment processing based on the payment information acquired from the store terminal 200 (step S3). For example, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID.

Subsequently, the settlement server 10 selects an investment product corresponding to the industry to which the product purchased by the user U1 at the store A belongs as an investment product to be proposed for purchase to the user U1 (step S4). For example, the payment server 10 identifies each product purchased by the user U1 at the store A based on the product ID indicated by the payment information, and determines the investment related to the industry to which each product belongs and the business operator who is the manufacturer of each product. Select a product. To give a specific example, when the user U1 purchases a product belonging to the industry "apparel", the settlement server 10 selects an investment product corresponding to the industry "apparel". To give a more specific example, select stocks of companies belonging to the industry "apparel" (in other words, theme stocks) or investment trusts (index funds, etc.) that invest in the industry "apparel".

In addition, if the business that is the manufacturer of the product purchased by the user U1 is listed, the settlement server 10 may select an investment product corresponding to the stock issued by the business. For example, the settlement server 10 selects stocks issued by businesses, investment trusts investing in such stocks, and the like.

The settlement server 10 may also select an investment product related to the product purchased by the user U1. For example, when the user U1 purchases golf equipment, the settlement server 10 selects an investment product that invests in companies related to golf (eg, golf equipment stores, golf equipment manufacturers, and golf course management companies). do.

Alternatively, the settlement server 10 may estimate the attributes of the user U1 based on the product purchased by the user U1, and select an investment product corresponding to the estimated attributes. For example, when the user U1 purchases golf equipment, the settlement server 10 presumes that the attribute of the user U1 is "golf enthusiast" and selects an investment product that invests in companies related to golf.

Moreover, the settlement server 10 may select an investment product in a price range corresponding to the price of the product purchased by the user U1. For example, the settlement server 10 associates and manages a user's rank (for example, the estimated annual income of user U1) according to the product price and an investment product corresponding to the rank. The settlement server 10 then selects an investment product linked to the rank corresponding to the price of the product purchased by the user U1.

Subsequently, the settlement server 10 proposes purchase of the selected investment product to the user U1 via the settlement application (step S5). For example, information to the effect that a purchase of the investment product selected in step S5 is proposed is distributed to the user terminal 100 via a finance application, which is a mini-application activated within the payment application.

Subsequently, the settlement server 10 notifies information corresponding to the investment product purchased by the user U1 using the finance application (step S6). For example, when user U1 purchases an investment product that invests in a company that is the manufacturer of the product purchased at store A, information such as news articles about the company and the industry to which the company belongs is collected and collected. A predetermined notification is made based on the information. To give a specific example, when information about scandals (recalls, etc.) or poor business performance related to a company that is a product manufacturer is collected, the settlement server 10 makes a notification proposing the sale of the investment product.

As described above, the payment server 10 according to the embodiment can be used even when a user makes an electronic payment at a retail store that sells products provided by various businesses such as department stores, supermarkets, and convenience stores. To specify a product purchased by a user through electronic payment, and to propose the purchase of an investment product to the user based on the specified product. As a result, the payment server 10 according to the embodiment can select an investment product corresponding to the potential interest of the user indicated by the purchase behavior using electronic payment, and propose the purchase of the investment product. That is, the settlement server 10 according to the embodiment can appropriately select financial products to be proposed to the user for purchase.

In addition, since the payment server 10 according to the embodiment can acquire information on the product purchased by the user using the payment application, it is possible to acquire the user's interest indicated by the purchased product, and appropriate You can choose financial products. In addition, the payment server 10 according to the embodiment proposes the purchase of a financial product via a finance app, which is a mini-app that is activated within the payment app. In addition, by enabling the points given at the time of payment to be invested, the user can be given an opportunity to purchase financial products. In addition, the payment server 10 according to the embodiment recommends a financial product related to a product purchased using the payment application via the payment application, so that the user can select the product that caused the financial product to be recommended. Since it is possible to grasp intuitively, it is possible to make a recommendation that does not give the user a sense of incongruity. In addition, since the payment server 10 according to the embodiment can acquire information on products purchased by the user at a physical store using a payment application, the user does not bother to purchase products in an online service such as an electronic commerce service. It becomes possible to acquire information on products (for example, foodstuffs such as sweets), and it is possible to propose the purchase of financial products based on the off-line user's preferences. In this way, since the payment application and investment have a high affinity, the payment server 10 according to the embodiment can improve the quality of financial services.

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

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

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31, an investment product database 32, a business operator information database 33, and a user information database .

(Regarding account database 31)
The account database 31 stores various information related to accounts (settlement accounts) owned by users, businesses, stores, etc. in the electronic settlement service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

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

That is, FIG. 3 shows an example in which the information of the holder of the account identified by the account ID "AID #1" is "user #1" and the account balance is "7,800 yen".

(Regarding investment product database 32)
The investment product database 32 stores various information on investment products provided in the finance service. Here, an example of information stored in the investment product database 32 will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of an investment product database according to the embodiment; In the example of FIG. 4, the investment product database 32 has items such as "investment product ID", "type", "brand", "enterprise information", "industry", "price", and "product details".

“Investment product ID” indicates identification information for identifying the investment product. “Type” indicates the type of investment product (for example, stocks, investment trusts, etc.). "Stock" indicates the name of the investment product. "Corporate information" indicates information about a business operator (company) that is an investment target, and stores, for example, identification information for identifying the business operator. The “industry” indicates the industry to which the company issuing the shares to be invested belongs. "Price" indicates the price of the investment product. The “product content” indicates the content of the investment product (for example, various classifications of stocks, classification of investment trusts by the Investment Trusts Association, etc.).

That is, in FIG. 4, the investment product type identified by the investment product ID “CID #1” is “stock”, the issue is “issue #1”, the industry is “industry #1”, and the price is “price # 1”, and the product content is “product content #1”.

(Regarding the business operator information database 33)
The business operator information database 33 stores various types of information on business operators (companies) that provide transaction targets to users. Here, an example of information stored in the business operator information database 33 will be described with reference to FIG. FIG. 5 is a diagram showing an example of the business operator information database 33 according to the embodiment. In the example of FIG. 5, the operator information database 33 has items such as "enterprise ID", "industry", "trading target", and "listing status".

"Business ID" indicates identification information for identifying the business that manages the store. "Industry" indicates the industry to which the transaction target provided by the business belongs. "Trading object" indicates a trading object provided (manufactured) by a business operator. "Listed" indicates whether or not the business operator is listed. For example, information such as "Yes" indicating that the business is listed and "No" indicating that it is not listed is stored.

That is, in FIG. 5, the operator identified by the operator ID "MID#1" provides the transaction object "transaction object #1", the industry to which the transaction object belongs is "industry #1", and the operator is Indicates that the company is listed.

(Regarding the user information database 34)
The user information database 34 stores various information about users of services provided by the settlement server 10 . An example of information stored in the user information database 34 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 34 has items such as "user ID", "settlement history", "usage history", "attribute information", and "purchased investment product".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and stores information such as payment recipients, payment amounts, and transaction targets that are payment modes, for example. "Usage history" indicates the usage history of various services. The “attribute information” indicates user attributes (demographic attributes, psychographic attributes) estimated based on payment history, usage history, and the like. "Purchased investment product" indicates an investment product that the user has purchased through the finance service, and has an item such as "investment product ID", for example. “Investment product ID” indicates identification information for identifying the investment product.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID#1" is "payment history #1", the usage history is "usage history #1", and the attribute information is "attribute information #1". , and shows an example in which the purchased investment product is identified by the investment product ID “CID#1”.

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 2, the control unit 40 according to the embodiment includes an acquisition unit 41, a payment processing unit 42, an estimation unit 43, a selection unit 44, a proposal unit 45, and a notification unit 46 It implements or executes the information processing functions and actions described below.

(Regarding the acquisition unit 41)
The acquisition unit 41 acquires target information indicating a transaction target for which a user has made a payment using a predetermined payment means. For example, in the example of FIG. 1, the acquisition unit 41 obtains the store ID of store A, the product ID read by the store terminal 200, the total price of each product linked to the product ID, and the user U1. Payment information including an ID is acquired from the store terminal 200 .

In addition, the acquisition unit 41 may acquire target information indicating a transaction target for which payment is made using the user terminal used by the user. For example, in the example of FIG. 1, the acquisition unit 41 reads the user ID of the user U1 displayed on the user terminal 100 using the store terminal 200, and obtains the product ID of the product for which payment is made. Get payment information, including

Further, the acquiring unit 41 acquires information read by the store terminal used by the store where the user made the payment and indicated by the code attached to the transaction object from the store terminal as the target information. good too. For example, in the example of FIG. 1 , the acquisition unit 41 acquires payment information indicating the product ID indicated by the barcode read by the store terminal 200 .

Note that the acquisition unit 41 may acquire payment information from a user terminal used by the user. For example, when the user terminal 100 reads the store identification information installed in the store and the payment is made, the acquisition unit 41 acquires the payment information indicating the payment from the user terminal 100 .

The acquiring unit 41 may also acquire information about the transaction target from the business operator (company) and store it in the business operator information database 33 .

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information acquired by the acquisition unit 41 . For example, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user ID to the account of the store indicated by the shop ID.

(Regarding the estimation unit 43)
The estimation unit 43 estimates a user's attribute based on the target information. For example, the estimation unit 43 refers to the business operator information database 33 and the user information database 34, and estimates the attributes of the user based on the transaction target for which the user has settled. As a specific example, in the example of FIG. 1, when the user U1 purchases golf equipment, the estimation unit 43 estimates that the attribute of the user U1 is "golf enthusiast". Note that the estimating unit 43 sets the attribute of the user as “golf I like it."

Also, the estimation unit 43 may estimate the attribute of the user based on the attribute of another user who purchased the transaction target. For example, the estimation unit 43 refers to the business operator information database 33 and the user information database 34, and estimates the attributes of the user based on the attribute information of other users who have purchased the product purchased by the user. To give a specific example, the estimating unit 43 estimates that the user has the same tastes and tastes for products that are equal to or greater than a predetermined threshold among the product group purchased by the user having the specific tastes and tastes.

(Regarding the selection unit 44)
Based on the target information acquired by the acquisition unit 41, the selection unit 44 selects a financial product to be purchased by the user. For example, in the example of FIG. 1, the selection unit 44 refers to the investment product database 32 and the business information database 33, and proposes purchase to the user U1 based on the product ID indicated by the payment information acquired from the store terminal 200. Choose an investment product to invest in.

Moreover, the selection unit 44 may select a financial product corresponding to the industry to which the transaction target belongs. For example, in the example of FIG. 1, when the user U1 purchases a product belonging to the industry "apparel", the selection unit 44 selects an investment product corresponding to the industry "apparel".

Moreover, the selection unit 44 may select an investment trust corresponding to the industry to which the transaction target belongs. For example, in the example of FIG. 1, when the user U1 purchases a product belonging to the industry "apparel", the selection unit 44 selects an investment trust that invests in the industry "apparel".

Further, the selection unit 44 may select a financial product including, as an investment target, a company that provides a transaction target. For example, in the example of FIG. 1, if the business operator that is the manufacturer of the product purchased by the user U1 is listed, the selection unit 44 selects an investment trust that invests in stocks issued by the business operator. .

Moreover, the selection unit 44 may select stocks issued by a company that provides a transaction target. For example, in the example of FIG. 1, if the company that is the manufacturer of the product purchased by the user U1 is listed, the selection unit 44 selects stocks issued by the company.

In addition, when the company providing the transaction target is not listed, the selection unit 44 may select a financial product related to the company corresponding to the company. For example, the selection unit 44 selects an investment product (for example, stocks) related to a business operator whose manufacturing transaction object or business content corresponds to the business operator who is the manufacturer of the product purchased by the user.

Moreover, the selection unit 44 may select a financial product related to a company related to the transaction target. For example, in the example of FIG. 1, when the user U1 purchases golf equipment, the selection unit 44 selects an investment product that invests in companies related to golf.

The selection unit 44 may also select a financial product corresponding to the attribute of the user estimated by the estimation unit 43 . For example, in the example of FIG. 1, when the attribute of user U1 is presumed to be "golf enthusiast", the selection unit 44 selects an investment product that invests in companies related to golf.

Moreover, the selection unit 44 may select a financial product related to a company that provides a transaction target corresponding to the attribute of the user. For example, in the example of FIG. 1, when the attribute of user U1 is estimated to be "golf enthusiast", the selection unit 44 selects a golf equipment store, a golf equipment manufacturer, a golf course management company, etc. as an investment target. Select a product.

Moreover, the selection unit 44 may select a financial product in a price range corresponding to the price of the transaction target. For example, in the example of FIG. 1, the selection unit 44 selects an investment product that is tied to the rank of the user according to the price of the product purchased by the user U1.

Here, for example, when the user actively purchases products of a company with stable business performance (for example, a long-established company), or when the user actively purchases products of a new company, etc. , a desire to select a financial product to be proposed for purchase. Therefore, the selection unit 44 may select a financial instrument corresponding to price movements of stocks issued by companies that provide trading targets. For example, the selection unit 44 selects investment trusts that are managed in conjunction with movements in the stock prices of stocks issued by companies that provide products purchased by users.

In addition, if the period that has passed since the company that provides the trading object has not passed the predetermined period, the selection unit 44 selects a company that corresponds to the company that provides the trading object for the period that has passed since the company was listed. You may select a financial instrument related to For example, when the number of times the user has purchased a product provided by a company that has not passed a predetermined period of time after being listed is greater than or equal to a predetermined threshold value, the selection unit 44 selects an investment product that invests in a startup company. to select.

Furthermore, it is conceivable that users may show an interest in investing in companies that provide products similar to those purchased by users. Therefore, the selection unit 44 may select a financial product related to a company that provides a transaction target corresponding to the transaction target. For example, if the product purchased by the user more than a predetermined number of times belongs to the "fast fashion" industry, the selection unit 44 selects an investment product that invests in businesses whose business content is "fast fashion." select. As a specific example, when the user purchases a product provided by a domestic company, the selection unit 44 selects an investment product that invests in a foreign company that provides products corresponding to the company. do.

Furthermore, it is conceivable that there are factors that attract the user's interest in products purchased by other users who have common attributes with the user. Therefore, the selection unit 44 may select a financial product related to a transaction target for which another user having a common attribute with the user made a payment. For example, when the attribute of the user is "loves golf", the selection unit 44 selects an investment product that invests in companies that provide products purchased by other users who have the attribute "loves golf". .

Furthermore, financial products purchased by other users who have made payments to the same store as the user may attract the user's interest. Therefore, the selection unit 44 may select a financial product purchased by another user who purchased the transaction target. For example, the selection unit 44 selects an investment product purchased by another user who purchased the same product as the user.

In the above-described embodiment, for example, when there is only one financial product to be purchased, the selection unit 44 may determine whether to propose the purchase of that financial product. In other words, selecting a financial product means not only the process of selecting one of two or more financial products as a financial product for which purchase is proposed, but also the concept of determining whether or not to propose the purchase of a financial product. includes.

(Regarding the proposal section 45)
The proposal unit 45 is a predetermined platform that provides a predetermined settlement means using a user terminal used by the user, and is selected by the selection unit 44 via a predetermined platform that distributes information on financial products. Suggest the purchase of a financial product. For example, in the example of FIG. 1, the proposal unit 45 distributes to the user terminal 100 information to the effect that purchase of the selected investment product is proposed via a finance application, which is a mini-application started within the payment application. .

(Regarding the notification unit 46)
When the user purchases the financial product selected by the selection unit 44, the notification unit 46 makes a predetermined notification according to the information on the company corresponding to the financial product. For example, in the example of FIG. 1, when the user U1 purchases an investment product that invests in a company that is the manufacturer of the product purchased at the store A, the notification unit 46 provides information about the company and the industry to which the company belongs. Information such as news articles is collected, and predetermined notifications are sent based on the collected information.

[3. Selection process flow]
A procedure of selection processing of the payment server 10 according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating an example of a selection process procedure according to the embodiment.

As shown in FIG. 7, the payment server 10 acquires target information indicating a transaction target for which payment is made using a user terminal used by a user (step S101). Subsequently, the settlement server 10 selects an investment product to be proposed to the user for purchase based on the target information (step S102). Subsequently, the settlement server 10 proposes purchase of the investment product via a predetermined platform (step S103), and ends the process.

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

[4-1. Regarding financial products]
In the above-described embodiment, an example is shown in which the selection unit 44 selects stocks and investment trusts as financial products to be purchased by the user. You can choose a product. For example, financial products selected by the selection unit 44 may be government bonds, corporate bonds, real estate, foreign currency deposits, foreign exchange such as FX (Foreign Exchange), virtual currencies, futures trading, insurance, deposits and savings, and the like.

In the above-described embodiment, the selection unit 44 selects an investment product related to a company (that is, a manufacturer) that is the manufacturer of the product purchased by the user. Examples are not limiting. For example, the selection unit 44 may select investment products related to retail stores that sell products purchased by the user.

[4-2. About target information]
In the above-described embodiment, an example is shown in which the acquisition unit 41 acquires target information indicating a transaction target for which payment has been made at a physical store using the user terminal 100 in which the payment application is installed. The functions are not limited to such an example, and target information indicating the transaction target purchased by the user may be acquired by any means. For example, the acquisition unit 41 acquires a transaction object purchased by the user through a predetermined electronic commerce service and for which payment (that is, online payment) is made using the electronic payment service provided by the above-described payment application. Get the target information shown. As a specific example, the acquisition unit 41 acquires target information indicating a transaction target purchased by the user in a shopping service, flea market service, auction service, etc. provided by a mini-app activated within the payment app. do.

In addition, the acquisition unit 41 may acquire target information indicating a transaction target for which payment is made by another payment method, not limited to the transaction target for which the user has made payment using the payment application. For example, the payment server may manage, in the storage unit 30, information relating to the link between the user and the credit card owned by the user. Then, the acquiring unit 41 may acquire target information indicating a transaction target for which the user made a payment using the credit card associated with the user.

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

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

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

[5. effect〕
As described above, the payment server 10 according to the embodiment has the acquisition unit 41, the payment processing unit 42, the estimation unit 43, the selection unit 44, the proposal unit 45, and the notification unit 46. The acquisition unit 41 acquires target information indicating a transaction target for which a user has made a payment using a predetermined payment means. Further, the acquiring unit 41 acquires information read by the store terminal used by the store where the user made the payment and indicated by the code attached to the transaction object from the store terminal as target information. The payment processing unit 42 executes payment processing according to the payment information acquired by the acquisition unit 41 . In addition, the acquisition unit 41 acquires target information indicating a transaction target for which payment is made using the user terminal used by the user. The estimation unit 43 estimates a user's attribute based on the target information. Also, the estimation unit 43 estimates the attributes of the user based on the attributes of other users who have purchased the transaction target. Based on the target information acquired by the acquisition unit 41, the selection unit 44 selects a financial product to be purchased by the user. Also, the selection unit 44 selects a financial product corresponding to the attribute of the user estimated by the estimation unit 43 . The proposal unit 45 is a predetermined platform that provides a predetermined settlement means using a user terminal used by the user, and is selected by the selection unit 44 via a predetermined platform that distributes information on financial products. Suggest the purchase of a financial product. When the user purchases the financial product selected by the selection unit 44, the notification unit 46 makes a predetermined notification according to the information on the company corresponding to the financial product.

As a result, the payment server 10 according to the embodiment can select a financial product corresponding to the potential interest of the user indicated by the purchase behavior using electronic payment. can choose to and suggest purchases.

In addition, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product corresponding to the industry to which the transaction target belongs. Also, the selection unit 44 selects an investment trust corresponding to the industry to which the transaction target belongs. In addition, the selection unit 44 selects a financial product including a company that provides a transaction target as an investment target. The selection unit 44 also selects stocks issued by companies that provide trading targets. In addition, when the company that provides the transaction target is not listed, the selection unit 44 selects financial products related to the company and the corresponding company. Further, the selection unit 44 selects financial products related to companies related to the transaction target. The selection unit 44 also selects financial products related to companies that provide transaction targets corresponding to the attributes of the user. Also, the selection unit 44 selects a financial product in a price range corresponding to the price of the transaction target.

As a result, the settlement server 10 according to the embodiment can select a financial product that is presumed to be of interest to the user or a financial product that corresponds to the attributes and that corresponds to the income of the user. To appropriately select a financial product to be proposed to a user for purchase.

Further, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product corresponding to price fluctuations of stocks issued by companies that provide transaction targets. In addition, if the period that has passed since the company that provides the trading object has not passed the predetermined period, the selection unit 44 selects a company that corresponds to the company that provides the trading object for the period that has passed since the company was listed. select financial instruments for

As a result, the settlement server 10 according to the embodiment can make purchases according to the case where the user actively uses a company with stable performance or the case where the user actively uses a new company. Since the proposed financial product can be selected, the financial product can be appropriately selected.

In addition, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects a financial product related to a company that provides a transaction target corresponding to the transaction target.

As a result, the settlement server 10 according to the embodiment can select a financial product that invests in a company that provides a product that is presumed to be of interest to the user and a corresponding product. You can choose appropriately.

In addition, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects financial products related to transaction targets for which other users having common attributes with the user made settlements.

As a result, the settlement server 10 according to the embodiment can select financial products related to products purchased by other users who have common attributes with the user, and thus can select financial products that attract the user's interest.

In addition, in the settlement server 10 according to the embodiment, for example, the selection unit 44 selects financial products purchased by other users who have purchased the transaction target.

Accordingly, the settlement server 10 according to the embodiment can select financial products purchased by other users who have purchased the same products as the user, and thus can select financial products that attract the user's interest.

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

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

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

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

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1200 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

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

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

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

1 selection system 10 payment server 20 communication unit 30 storage unit 31 account database 32 investment product database 33 business operator information database 34 user information database 40 control unit 41 acquisition unit 42 payment processing unit 43 estimation unit 44 selection unit 45 proposal unit 46 notification Part 100 User terminal 200 Store terminal

Claims (23)

a storage unit that stores information about financial products and information about trading targets;
an acquisition unit that acquires target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired by the acquisition unit from among the information on the transaction target stored in the storage unit, and among the financial products represented by the information stored in the storage unit, a selection unit that selects a financial product having a predetermined relationship with the specified information as a financial product to be proposed to the user for purchase;
A financial product selected by the selection unit via a predetermined platform that provides the predetermined payment means using the user terminal used by the user, and that distributes information on the financial product a proposal unit that proposes purchase of a financial product that can be purchased using the predetermined payment means;
A selection device comprising: a storage unit that stores information about financial products and information about trading targets;
an acquisition unit that acquires target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired by the acquisition unit from among the information on the transaction target stored in the storage unit, and among the financial products represented by the information stored in the storage unit, a selection unit that selects a financial product having a predetermined relationship with the specified information as a financial product to be proposed for purchase to the user via a predetermined platform that provides the predetermined payment means;
has
The acquisition unit
Information read by a store terminal used by the store where the user has made the payment and which is indicated by a code attached to the transaction object is acquired from the store terminal as the target information.
A selection device characterized by: The selection unit
3. The selection device according to claim 1, wherein the selection device selects a financial product corresponding to the industry to which the transaction target belongs. The selection unit
4. The selection device according to claim 3 , wherein an investment trust corresponding to the industry to which the transaction target belongs is selected. The selection unit
5. The selection device according to any one of claims 1 to 4 , wherein the selection device selects a financial product including, as an investment target, a company that provides the transaction target. The selection unit
6. The selection device according to any one of claims 1 to 5 , wherein stocks issued by a company that provides the transaction object are selected. The selection unit
7. The selection device according to any one of claims 1 to 6 , wherein the selection device selects a financial product relating to a company related to the trading object. The selection unit
8. The selection device according to any one of claims 1 to 7 , wherein the selection device selects a financial instrument corresponding to price fluctuations of stocks issued by a company that provides the trading object. The selection unit
9. The selection device according to any one of claims 1 to 8 , wherein when the company providing the trading object is not listed, a financial product related to the company corresponding to the company is selected. The selection unit
If the period that has elapsed since the listing of the company that provides the transaction object has not passed the predetermined period, select the financial product related to the company that has the same period of time since the listing as the company that provides the transaction object 10. A selection device according to any one of claims 1 to 9 , characterized in that: The selection unit
11. The selection device according to any one of claims 1 to 10 , wherein the selection device selects a financial product related to a company that provides a transaction object corresponding to the transaction object. an estimation unit that estimates attributes of the user based on the target information;
The selection unit
The selection device according to any one of claims 1 to 11 , wherein the selection device selects a financial product corresponding to the attribute of the user estimated by the estimation unit. The estimation unit
13. The selection device according to claim 12 , wherein the attribute of the user is estimated based on the attribute of another user who purchased the transaction object. The selection unit
14. The selection device according to claim 12 or 13 , wherein the selection device selects a financial product related to a company that provides a transaction target corresponding to the attribute of the user. The selection unit
15. The selection device according to any one of claims 12 to 14 , wherein the selection device selects a financial product related to a transaction subject settled by another user who has a common attribute with the user. The selection unit
16. The selection device according to any one of claims 1 to 15, wherein a financial product purchased by another user who purchased the transaction object is selected. The selection unit
17. The selection device according to any one of claims 1 to 16 , wherein the selection device selects a financial product in a price range corresponding to the price of the trading object. 2. A notification unit that, when the user purchases the financial product selected by the selection unit, sends a predetermined notification according to information about a company corresponding to the financial product. 18. A selection device according to any one of 17. The acquisition unit
19. The selection device according to any one of claims 1 to 18 , wherein the target information indicating the transaction target for which payment is made using the user terminal used by the user is acquired. A computer implemented selection method comprising:
a storage step of storing information on financial instruments and information on trading objects in a storage unit;
an acquisition step of acquiring target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired in the acquisition step from among the information related to the transaction target stored in the storage unit, and identifying the financial product indicated by the information stored in the storage unit, a selection step of selecting a financial product having a predetermined relationship with the specified information as a financial product to be proposed to the user for purchase;
The financial product selected in the selection step through a predetermined platform that provides the predetermined payment means using the user terminal used by the user, and that distributes information on the financial product. a proposal step of proposing purchase of a financial product that can be purchased using the predetermined payment means;
A selection method comprising: a storage procedure for storing information on financial instruments and information on trading objects in a storage unit;
an acquisition procedure for acquiring target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired by the acquisition procedure from among the information related to the transaction target stored in the storage unit, and among the financial products indicated by the information stored in the storage unit, a selection procedure for selecting a financial product having a predetermined relationship with the specified information as a financial product to be proposed to the user for purchase;
The financial product selected by the selection procedure via a predetermined platform that provides the predetermined payment means using the user terminal used by the user and that distributes information on the financial product a proposal procedure for proposing the purchase of a financial product that can be purchased using the predetermined payment means;
A selection program that causes a computer to run A computer implemented selection method comprising:
a storage step of storing information on financial instruments and information on trading objects in a storage unit;
an acquisition step of acquiring target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired in the acquisition step from among the information related to the transaction target stored in the storage unit, and identifying the financial product indicated by the information stored in the storage unit, a selection step of selecting a financial product having a predetermined relationship with the specified information as a financial product to be proposed for purchase to the user via a predetermined platform that provides the predetermined payment means;
including
The obtaining step includes
Information read by a store terminal used by the store where the user has made the payment and which is indicated by a code attached to the transaction object is acquired from the store terminal as the target information.
A selection method characterized by: a storage procedure for storing information on financial instruments and information on trading objects in a storage unit;
an acquisition procedure for acquiring target information indicating a transaction target for which a user has made a payment using a predetermined payment method;
identifying information corresponding to the transaction target indicated by the target information acquired by the acquisition procedure from among the information related to the transaction target stored in the storage unit, and among the financial products indicated by the information stored in the storage unit, a selection step of selecting a financial product having a predetermined relationship with the specified information as a financial product to be proposed for purchase to the user via a predetermined platform that provides the predetermined payment means;
on the computer, and
The acquisition procedure includes:
Information read by a store terminal used by the store where the user has made the payment and which is indicated by a code attached to the transaction object is acquired from the store terminal as the target information.
A selection program characterized by:

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