Information processing system, information processing method and program

Abstract

To provide an information processing device for providing support further suitable for users in response to inquiries.SOLUTION: An information processing system, in response to acquisition of inquiry information representing that a user performs an operation to inquire about use of an electronic settlement service, determines a service for resolving the inquiry based on a user's usage history of an electronic payment service, and provides information corresponding to the service to a terminal device of the user.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an information processing system, an information processing method, and a program. [Background technology]

[0002] Conventionally, there is known a customer support system that includes a public solution database that a customer support entity makes public to users, and an internal solution database that is usually used within the customer support entity (see Patent Document 1). This customer support system is characterized in that when the user inquires of the customer support entity, the search results of the public solution database by the user are sent to the customer support entity together with the contents of the inquiry, and the answer obtained by searching the internal solution database and processing by an agent is displayed on the customer terminal of the user. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2004-46670 A Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technology, it was sometimes impossible to provide appropriate support to a user in response to an inquiry.

[0005] The present invention has been made in consideration of the above circumstances, and has as its object to provide an information processing system, an information processing method, and a program that can provide support that is more suitable for the user in response to an inquiry, thereby improving user satisfaction. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing system that, in response to obtaining inquiry information indicating that a user has performed an operation to inquire about the use of an electronic payment service, determines a service to resolve the inquiry based on the user's usage history of the electronic payment service, and provides information corresponding to the service to the user's terminal device. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing system, an information processing method, and a program that can provide support that is more suitable for a user in response to an inquiry. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram for explaining an overview of the present embodiment. [Diagram 2] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. [Diagram 3] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 4] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Diagram 5] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Figure 6] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 7] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 13 is a diagram showing an example of the contents of response information 178. [Figure 9] FIG. 2 illustrates an example of a functional configuration of a first server device 200. [Figure 10] A figure showing an example of the contents of scenario specification information 252. [Figure 11] FIG. 2 illustrates an example of a functional configuration of a first server device 200. [Figure 12]FIG. 11 is a diagram for explaining processing (1) in response to an inquiry. [Figure 13] FIG. 13 is a diagram for explaining the process (2) for an inquiry. [Figure 14] FIG. 13 is a diagram for explaining the process (3) for an inquiry. [Figure 15] FIG. 2 is a sequence diagram showing an example of a flow of processes executed by the electronic payment system. [Figure 16] FIG. 11 is a diagram for explaining a process for a general inquiry. [Figure 17] FIG. 1 is a diagram for explaining a trained model 500. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing system, an information processing method, and a program of the present invention will be described. Various devices, such as various devices and servers that appear below for providing services to users and performing internal analysis, may be realized by a distributed device group, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (provider of the cloud server) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] [overview] In response to obtaining inquiry information indicating that a user has performed an operation to inquire about the use of an electronic payment service, an electronic payment system (information processing system) refers to the user's electronic payment service usage history, determines a service to resolve the inquiry, and provides information corresponding to the service to the user's terminal device.

[0011] FIG. 1 is a diagram for explaining an overview of this embodiment. (1) In response to a user's operation, the electronic payment system provides the help 1 content (inquiry content) provided by the electronic payment app. (2) The electronic payment system provides the chatbot service to the user in response to the user's operation on the content of Help 1. In this case, depending on the operation, other communication means (such as manned chat, telephone, provision of a procedure form, etc.) are provided. (3) The electronic payment system determines a means of communication in response to a chat with a user via the chatbot service and supports the user using that means of communication. (4) When the electronic payment system assists a user in using the communication means, it provides the user's information to the device or administrator related to the communication means (automatically inputs user information). (5) The electronic payment system assists users using the communication means, assigning operators depending on the content of the communication, and managing inquiries. (6) Based on the results of the above processing, the operator manages the user by answering the user's inquiries and providing information related to the inquiries. (7) If the user accesses the electronic payment system from a website, the system provides the user with Help 2 content (inquiry content) in response to the user's operation on the website. If the user accesses the system from a website, the system may provide the user with Help 1 content instead of Help 2 content. The electronic payment system provides the user with a chatbot service in response to the user's operation on the Help 2 content.

[0012] In the above process, the electronic payment system determines the content of Help 1 or Help 2 (one example of a service) based on the user's attributes or the usage history of the electronic payment service, or determines the service provided by the chatbot service (e.g., the content of the response, the scenario, the type of chatbot, etc., which are other examples of services). Furthermore, the electronic payment system determines the type of communication means to be used from the above (3) communication means (channels / one example of other services) based on the user's attributes or the usage history of the electronic payment service.

[0013] This allows the electronic payment system to respond to inquiries and provide information that is more suited to the user. In other words, the electronic payment system can provide support that is more suited to the user. Details of this process are explained below.

[0014] [Electronic payment service] FIG. 2 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, a first server device 200, a second server device 300, and an operator terminal device 400. These devices communicate with each other via a network NW, for example. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. A part or all of the functional configuration included in the electronic payment system may be distributed to a plurality of devices in any form, or may be integrated into any device. For example, a part or all of the functional configuration of the first server device 200 and a part or all of the functional configuration of the second server device 300 may be included in or integrated with another device.

[0015] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0016] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0017] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0018] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0019] 3 and 4 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0020] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 3, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0021] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 4, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0022] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 3 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0023] [Payment server] FIG. 5 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, a decision unit 150, a response processing unit 160, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0024] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, and response information 178.

[0025] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0026] The content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate, and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0027] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0028] FIG. 6 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a post-payment setting, a post-payment limit, a post-payment usage amount, a post-payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, and history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0029] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. Charge history information is a history of the user transferring funds to the electronic payment service in advance to increase the charge balance. Payment history information is information that shows the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). History information will be described later.

[0030] 7 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0031] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0032] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0033] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0034] In response to acquiring inquiry information indicating that a user has performed an operation to inquire about the use of an electronic payment service, the determination unit 150 determines a service to resolve the inquiry based on the user's electronic payment service history information (usage history).

[0035] FIG. 8 is a diagram showing an example of the contents of response information 178. Response information 178 is information in which, for example, a user's attributes, history information, and a service to be provided are associated with each other. The service to be provided is, for example, content provided to a user, a type of communication means (channel), and the like. Note that instead of (or in addition to) the service to be provided, a scenario of the service to be provided (a scenario such as the order in which the service is provided) may be associated with the attributes and history information in response information 178. The attributes may be any information that can be obtained by an electronic payment system, and may be various information such as age, sex, and address. Also, in response information 178, the attributes or history information may be omitted.

[0036] The history information is one or more of information on the degree of use of the electronic payment service, the frequency of use of the electronic payment service, the period of use of the electronic payment service, the mode of use of the electronic payment service, etc. The degree of use or frequency of use may be the degree of use or frequency of use of the payment application 20, or the degree of use or frequency of use of the electronic payment service. The history information related to the mode of use of the electronic payment service is various information obtained from the history of electronic payment, such as information indicating the mode of payment by the user (e.g., payment history, history of affiliated stores where payment was made), information indicating the mode of operation on the payment application 20, information on content provided via the payment application 20 and viewed by the user, etc. The history information related to the mode of use includes, for example, information on the type of payment used (balance payment, deferred payment), use of remittance, point management, and use of other functions.

[0037] Response information 178 is information generated based on the results of analyzing information such as services provided in response to past inquiries and whether the inquiry was resolved. For example, when a user with attribute A and a usage rate equal to or higher than a predetermined level makes an inquiry, a predetermined service (e.g., a chatbot) is provided, and when a user with attribute A and a usage rate less than the predetermined level makes the same inquiry, a service different from the predetermined service (e.g., a telephone service) is provided, which is considered to be an efficient way of resolving the inquiry. Response information 178 is information generated based on such information.

[0038] The response processing unit 160 provides the user terminal device 10 with information corresponding to the service.

[0039] [First server device] FIG. 9 is a diagram showing an example of the functional configuration of the first server device 200. The first server device 200 provides a chatbot service (see (2) in FIG. 1). The first server device 200 includes, for example, an information processing unit 210, a response unit 220, and a storage unit 250. The information processing unit 210 and the response unit 220 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

[0040] The storage unit 250 is a HDD, a flash memory, a RAM, etc. The storage unit 250 may be a NAS device accessible by the first server device 200 via a network. The storage unit 250 stores information such as scenario specification information 252, scenario information 254, etc.

[0041] The information processing unit 210 communicates with the payment server 100, the user terminal device 10, the second server device 300, the operator terminal device 400, etc., to obtain information and provide information.

[0042] The response unit 220 refers to the scenario specifying information 252 to specify the scenario of the chat content. FIG. 10 is a diagram showing an example of the contents of the scenario specifying information 252. The scenario specifying information 252 is information in which, for example, the user's attributes, history information, and the scenario to be provided are associated with each other. The user's attributes or history information may be omitted. In other words, in this process (including the process described below), one or both of the user's attributes and history information may be used.

[0043] The scenario identification information 252 is also information generated for the same purpose as the response information 178 in Fig. 8. For example, the scenario identification information 252 is information generated based on a scenario that could solve a past inquiry more efficiently for each combination of attributes and history information.

[0044] The scenario information 254 includes the contents of each scenario. For example, it includes questions to the user and responses to the answers of the user. The user's attributes and history information are information provided by the payment server 100, the payment application 20, etc. In addition, the scenario information 254 may be provided from another device, and the response unit 220 may chat with the user using the provided scenario information 254. The response unit 220 chats with the user as described above. In this case, the scenario may be specified by another device such as the payment server 100.

[0045] The chatbot is not limited to the scenario type as described above, and may be an AI type or dictionary type chatbot. Instead of selecting a scenario, the type of chatbot may be associated with the attributes and history information of a user. For example, a plurality of different types of chatbots may be prepared, and a chatbot may be selected from these according to the attributes and history information of a user.

[0046] [Second server device] FIG. 11 is a diagram showing an example of the functional configuration of the second server device 300. The second server device 300 includes, for example, an information processing unit 310, a chat processing unit 320, a telephone processing unit 330, a procedure processing unit 340, and a storage unit 350. The information processing unit 310, the chat processing unit 320, the telephone processing unit 330, and the procedure processing unit 340 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

[0047] The storage unit 350 is a HDD, a flash memory, a RAM, or the like. The storage unit 350 may be a NAS device that the second server device 300 can access via a network. Information such as user information 352 and form information 354 is stored in the storage unit 350. The user information 352 is information on the user provided by the payment server 100, the user terminal device 10, the first server device 200, or the like. The user information is information managed in the payment server 100, the user terminal device 10, or the first server device 200. For example, the information is various information such as the user information 172, the contents of inquiries made by the user, and operation history. An operator described later responds to the user's inquiries by referring to the user information 352.

[0048] The information processing unit 310 communicates with the payment server 100, the user terminal device 10, the second server device 300, the operator terminal device 400, etc., to obtain information and provide information.

[0049] The chat processing unit 320 provides a manned chat service to the user. The chat processing unit 320 operates the operation unit of the operator terminal device 400 to perform a chat with the user in response to an operation performed by the operator.

[0050] The telephone processing unit 330 provides telephone services. An operator makes a voice call with a user through the processing of the telephone processing unit 330.

[0051] The procedure processing unit 340 identifies a form corresponding to the user's inquiry from the form information 354, and provides the identified form to the user. The form information 354 is information in which a form is associated with each content of the inquiry. A form is a form for the user to input user information, inquiries, etc. For example, it is an application form for a predetermined service. For example, the procedure processing unit 340 acquires the content of the inquiry from the payment server 100, the user terminal device 10, or the first server device 200, and provides the user with a form corresponding to the acquired content of the inquiry. Note that the payment server 100, the user terminal device 10, or the first server device 200 may identify a form corresponding to the content of the inquiry, and provide information on the identified form to the procedure processing unit 340.

[0052] [Summary of inquiry processing] In response to acquiring inquiry information indicating that a user has performed an operation to inquire about use of an electronic payment service, the electronic payment system determines a service for resolving the inquiry based on the user's usage history of the electronic payment service, and provides information corresponding to the service to the user's user terminal device 10. The electronic payment system may determine a service for resolving the inquiry based on the user's attributes and the user's usage history of the electronic payment service. In the following description, as an example, the user's attributes and usage history are used, although one of them may be omitted.

[0053] The electronic payment system determines a service to resolve inquiries made in the past by other users who have a usage history with the same or similar trends as the user's usage history of the electronic payment service, and that the service was provided in response to the same or similar inquiries as the user's inquiry. The service to be determined is a service that has a high degree of success in resolving inquiries made in the past by other users. The same or similar trends mean that the classification results obtained by classifying the usage history based on a predetermined criterion are the same or similar. Similarly, the classification results obtained by classifying the inquiries based on a predetermined criterion are the same or similar. In the above, attributes, or a combination of attributes and usage history, may be used instead of the user's usage history of the electronic payment service.

[0054] The electronic payment system may determine a service based on the usage mode of the electronic payment service from the time when the user makes an inquiry until a predetermined time ago. The usage mode refers to the mode of the user's operation, the viewed content, the input information, etc. For example, when the user makes an inquiry to perform charging immediately before, the electronic payment system provides the user with a service for solving the charging method or related content. When identifying a service to be provided in the response information 178 of FIG. 8 described above, the electronic payment system may identify the service to be provided by using the history information of the electronic payment service from the time when the user makes an inquiry until a predetermined time ago. The usage mode of the electronic payment service until the predetermined time ago may be, for example, the most recent usage mode (for example, the operation or the viewed content immediately before the inquiry). The electronic payment system provides a service for the inquiry according to, for example, the immediately previous operation or the viewed content.

[0055] The service determined to resolve the inquiry is a content that facilitates the resolution of the inquiry, a chatbot service, a manned chat service, or a telephone support service. The service determined to resolve the inquiry is the content of the content that facilitates the resolution of the inquiry.

[0056] The electronic payment system determines the service based on the user's electronic payment service usage history, as well as on one or both of the congestion level of the manned chat service and the congestion level of the telephone support service. For example, the electronic payment system may refrain from directing the user to a service that is congested, and may preferentially direct the user to another service.

[0057] [Processing inquiries (1)] FIG. 12 is a diagram for explaining the process (1) for an inquiry. When a user operates an inquiry on interface screen IM11 displayed by payment application 20 on the display unit of user terminal device 10, determination unit 150 determines the content to be displayed based on response information 178. Response processing unit 160 causes interface screen IM12 including the determined content to be displayed on the display unit. Interface screen IM12 is a screen for allowing the user to select a category for the inquiry. The content and category of the content on interface screen IM12 change depending on a combination of the user's usage history of the electronic payment service and the user's attributes.

[0058] When a user selects a category on the interface screen IM12, the response processing unit 160 causes the display unit to display an interface screen IM13 including content (individual articles) according to the selected category. This content is information for resolving inquiries about the selected category. The content is also determined based on, for example, a combination (or one) of the user's electronic payment service usage history and the user's attributes. Based on the above combination, the response processing unit 160 may omit displaying the interface screen IM13 and cause the display unit to display an interface screen IM14, which will be described later.

[0059] When a user cannot resolve the inquiry by referring to the content of the interface screen IM13 and operates the inquiry button in the chat of the content, the response processing unit 160 cooperates with the first server device 200 to display the interface screen IM14 on the display unit. The interface screen IM14 is a content for conducting an inquiry by a chatbot. The first server device 200 asks a question to the user according to the instruction of the response processing unit 160 and the user information provided by the response processing unit 160. The question is determined by the first server device 200 based on a combination of the user's electronic payment service usage history and the user's attributes, the inquiry category, and the content provided in response to the referred inquiry.

[0060] In response to an operation on the interface screen IM14, the first server device 200 displays the interface screen IM15 on the display unit. The interface screen IM15 is a content for guiding the user to a service (manned chat service, telephone support service, procedure support service) different from the chatbot service. In the illustrated example, the content for guiding the user to the manned chat service is provided.

[0061] When the user operates a button on the interface screen IM15 to start using the manned chat service, the first server device 200 cooperates with the second server device 300 to provide the manned chat service to the user. The second server device 300 acquires an instruction from the first server device 200 and user information provided by the first server device 200. The user information may be provided by the payment server 100.

[0062] The second server device 300 displays an interface screen IM16 including contents according to the operation of the operator on the display unit, and allows the user and the operator to chat. In this chat, if the manned chat service is busy, the second server device 300 automatically provides contents to ask the user to wait. In this chat, escalation (reporting to a person with more authority than the operator) is performed according to the contents of the chat, etc.

[0063] The electronic payment system determines a first service (e.g., an individual article) for resolving the inquiry based on the user's usage history of the electronic payment service, provides information corresponding to the one service to the user terminal device 10, and if the user cannot resolve the inquiry using the first service, determines a second service (e.g., a BOT) for resolving the inquiry based on either or both of the user's usage history of the electronic payment service and the user's attributes, and provides information corresponding to the second service to the user terminal device 10. The above first service and second service are arbitrary services.

[0064] In the above or later examples, the electronic payment system may provide the user with content (FAQ information) including information about functions that the user uses frequently or has used a predetermined number of times or more. The electronic payment system may provide the user with content (FAQ information) about functions that the user has started using within a predetermined period from now (unfamiliar functions). The electronic payment system may provide the user with content (FAQ information) about how to deal with errors the user has encountered within a predetermined period from now. The electronic payment system may provide the user with tutorial content (content explaining how to use the service) if the user has started using the electronic payment service within a predetermined period from now.

[0065] As described above, the electronic payment system provides users with information tailored to the service based on one or both of the user's attributes and the history of use of the electronic payment service, thereby enabling the system to provide support tailored to the user in response to inquiries.

[0066] In the above or later-described processing, when the electronic payment system estimates that the content of the inquiry is an inquiry to a member store of the electronic payment service, the electronic payment system may provide information indicating the contact information of the member store to the user terminal device 10 together with or instead of the information corresponding to the service. For example, when the inquiry entered by the user includes the name or abbreviation of a specific member store or other keywords, the electronic payment system may provide information indicating the contact information of the member store to the user terminal device 10. In addition, when the electronic payment system estimates that the content of the inquiry is an inquiry to a member store of the electronic payment service by performing natural language processing and analysis of the inquiry, it may provide information indicating the contact information of the member store to the user terminal device 10. As described above, the electronic payment system can provide an appropriate contact information to the user.

[0067] [Processing inquiries (2)] FIG. 13 is a diagram for explaining the process (2) for inquiries. The differences from the process (1) for inquiries will be mainly described. In the process (1) for inquiries, the use of a service using a chatbot is suggested to the user in an individual article. In the process (2) for inquiries, in addition to the service using a chatbot, an inquiry by phone is also suggested. Whether or not an inquiry by phone is suggested is determined by a combination of the user's attributes and the user's usage history. For example, if the user is over a certain age or has not been able to solve an inquiry by chat or the provision of content in the past, the user is preferentially or proactively guided to make a phone call.

[0068] The response processing unit 160 displays, for example, an interface screen IM13# on the display unit instead of the interface screen IM13. The content of the interface screen IM13# includes a button for using a chatbot and a button for making inquiries by phone. When the button for using a chatbot is operated, the interface screen IM14 is displayed on the display unit.

[0069] When a button for making an inquiry by telephone is operated, the response processing unit 160 and the first server device 200 work together to display the interface screen IM17 on the display unit. When a user operates a button for making an inquiry by telephone on the interface screen IM17, the first server device 200 and the second server device 300 work together to display the interface screen IM18 on the display unit. The interface screen IM18 includes content including, for example, the type of inquiry, the user's telephone number, the user's identification information (e.g., user ID), a button for making a call, a button for requesting a call, and the like. When a user makes a call or requests a call on the interface screen IM18, the user can make a call to an operator and make an inquiry.

[0070] For example, users who are older than a certain age (e.g., elderly people) may be preferentially guided to telephone services, or if the user's usage history is a certain usage history, the user may be preferentially guided to telephone services. Furthermore, for royal customers (e.g., users whose payment amount, usage frequency, or usage count is above a threshold) based on their usage history, a service in which an operator is involved (e.g., a manned chat service or a telephone service) may be preferentially provided. In this case, for users other than those described above, a service that does not involve an operator in real time, such as chat or email, may be preferentially provided. Furthermore, if the usage history corresponds to a certain usage history or the combination of the usage history and the content of the inquiry is a certain pattern, the electronic payment system may provide the user with a certain form. The certain format is a form in which the user can freely input inquiries, opinions, etc.

[0071] As described above, the electronic payment system provides users with information tailored to the service based on one or both of the user's attributes and the history of use of the electronic payment service, thereby enabling the system to provide support tailored to the user in response to inquiries.

[0072] [Processing inquiries (3)] FIG. 14 is a diagram for explaining the process (3) for an inquiry. In [Process (1) for an inquiry] and [Process (2) for an inquiry], an example in which a user makes an inquiry using payment application 20 is explained. In [Process (3) for an inquiry], an example in which a user makes an inquiry using the WEB is explained. The explanation will focus on the differences between [Process (1) for an inquiry] and [Process (2) for an inquiry].

[0073] When a user performs an inquiry operation on the interface screen IM31 displayed on the display unit of the user terminal device 10 of the user, the determination unit 150 determines the content to be displayed based on the response information 178. The response processing unit 160 causes the display unit to display the interface screen IM32 including the determined content. The interface screen IM32 is a screen for the user to select a category of the inquiry. The content and category of the interface screen IM32 change depending on a combination of the user's usage history of the electronic payment service and the user's attributes.

[0074] When the user selects a category on the interface screen IM32, the response processing unit 160 causes the display unit to display an interface screen IM33 including contents (individual articles) according to the selected category.

[0075] When the user cannot resolve the inquiry by referring to the content of the interface screen IM33 and operates the inquiry button in the chat of the content, the response processing unit 160 displays the interface screen IM34 on the display unit. The interface screen IM34 includes content that prompts the user to enter identification information (e.g., a phone number) and a password to log in to the electronic payment service.

[0076] When the user cannot log in on the interface screen 34, the response processing unit 160 displays the interface screen IM35 on the display unit. The interface screen IM35 includes content such as information indicating a method for logging in and a button for making an inquiry. When the button for making an inquiry is operated, a chatbot service, a manned chat service, a telephone service, or the like is provided to the user.

[0077] When the user can log in on the interface screen 34, the response processing unit 160 displays the interface screen IM36 on the display unit. The interface screen IM36 is a content for conducting a medical interview with the chatbot. The first server device 200 asks a question to the user according to an instruction from the response processing unit 160 and the user information provided by the response processing unit 160.

[0078] In response to an operation on the interface screen IM36, the first server device 200 displays the interface screen IM37 on the display unit. The interface screen IM37 is a content for guiding the user to a service (manned chat service, telephone support service, procedure support service) different from the chatbot service. In the illustrated example, a content for guiding the user to the manned chat service is provided. The interface screen IM38 is an interface screen similar to the interface screen IM16.

[0079] As described above, the electronic payment system provides users with information tailored to the service based on one or both of the user's attributes and the history of use of the electronic payment service, thereby enabling the system to provide support tailored to the user in response to inquiries.

[0080] [Sequence diagram] Fig. 15 is a sequence diagram showing an example of the flow of processing executed by the electronic payment system. The user in this processing may be a user who is logged in to the electronic payment service, or a user who is not logged in. If the user is logged in, more detailed information about the user can be obtained than if the user is not logged in. This makes it possible to provide more appropriate services.

[0081] First, when the payment application 20 performs an inquiry operation (S100), the payment server 100 determines the content based on the user characteristic information and the content of the inquiry (S102). Next, the payment server 100 provides the determined content to the payment application 20 (S104). The user characteristic information is one or both of the user's attributes and history information.

[0082] Next, the payment application 20 provides information on the operation on the content (operation information) to the payment server 100 (S106). The payment server 100 determines the next service based on the operation information and the user characteristic information (S108). For example, the next service is a chatbot service.

[0083] Next, the payment server 100 transmits the user characteristic information to the first server device 200 corresponding to the next service (S110). At this time, the payment server 100 requests the first server device 200 to communicate with the payment application 20 and conduct a chat. Next, the first server device 200 identifies a chat scenario based on the user characteristic information (S112). The first server device 200 uses the identified scenario to conduct a chat via the payment application 20 and provide the chatbot service to the user (S114).

[0084] If the inquiry is not resolved in the chatbot service, the first server device 200 provides the user characteristic information to the target of the next service and instructs the service to be provided (S116). The second server device 300 provides the service according to the instruction of S116 through the payment application 20 or without the payment application 20 (S118, S120).

[0085] As described above, the electronic payment system can provide more suitable support to the user in response to inquiries.

[0086] Here, in the past, electronic payment systems have sometimes provided services in a uniform manner in response to inquiries without using user characteristic information to determine the service to be provided. In such cases, some users may receive excessive service, while others may be less satisfied with the service. This is because each user has different experiences, such as the degree and manner of use of electronic payment services.

[0087] In contrast, the electronic payment system of the present embodiment uses user characteristic information to determine services, and therefore can provide services that are more suitable for the user. Specifically, the electronic payment system can provide users with more personalized services that allow them to solve their problems themselves.

[0088] Furthermore, in the past, telephones were often used due to the flow of people as shown in Figure 16, which could result in long waiting times for users and a burden on operators. Furthermore, it was sometimes impossible to provide appropriate services because it was difficult to find the location for inquiries (help), there was a lot of information, and the next step when the issue was unresolved was not decided.

[0089] In contrast, in this embodiment, as shown in FIG. 1, content tailored to the user is provided, and the flow is organized to guide the user to a more appropriate service depending on the user's reaction to the content. Furthermore, in this embodiment, the content is organized so that the method of inquiry for the user is clear. Also, in cases where the problem cannot be resolved even with the personalized self-solving service, the flow is arranged so that an operator provides support. As a result, in this embodiment, the flow as a whole can provide a service that allows inquiries to be resolved more appropriately while reducing the burden on the operator.

[0090] [Using a trained model] The electronic payment system may use the trained model 500 to determine the service to be provided (or the flow of providing the service to be provided). In response to acquiring inquiry information indicating that a user has performed an operation to inquire about the use of an electronic payment service, the electronic payment system may input the inquiry information and the user's usage history of the electronic payment service (user characteristic information) into the trained model, and determine a service to resolve the inquiry based on the information output by the trained model. The trained model is a model that has been trained so that when the inquiry information and the user's usage history of the electronic payment service are input, a service is output according to the input information.

[0091] FIG. 17 is a diagram for explaining the trained model 500. When the contents of an inquiry, attributes of a user, and history information are input, the trained model 500 may determine a service to be provided in accordance with the input information (a flow of providing the service to be provided). The flow of providing the service to be provided may be, for example, a plurality of services to be provided and the order in which the services are provided. A service to be provided in accordance with the input information is a service that is highly likely to solve the input inquiry when provided.

[0092] The trained model 500 is a model trained from training data. The training data is information in which the contents of an inquiry, the attributes of a user, the history information of the user, a service provided in response to the inquiry (a flow of service provision), and information indicating whether the inquiry was resolved by the service are associated with each other. The trained model 500 is a model trained using the training data to output a service (or a flow of service provision) that can resolve the inquiry associated with the information when an inquiry, the attributes of a user, and the history information of the user are input.

[0093] As described above, the electronic payment system can use the trained model 500 to identify services (service delivery flows) that are likely to more easily resolve inquiries.

[0094] The trained model 500 may be used in any scene of this embodiment. For example, it may be used in the scene of determining the next service in (1), (2) or (7) of FIG. 1 described above, or in the scene of determining the next service in (3) or (5). In this case, training data according to the scene is prepared, and the trained model 500 outputs the next service or the flow of service provision when the above-mentioned information is input. The use of attribute or history information may be omitted in each of the above processes.

[0095] According to the embodiment described above, the electronic payment system can provide the user with information corresponding to the service based on one or both of the user's attributes and the usage history of the electronic payment service, thereby providing the user with more appropriate support in response to inquiries.

[0096] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0097] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Decision Section 160 Response Processing Unit 200 First server device 300 Second server device 400 Operator terminal

Claims

1. In response to acquiring inquiry information indicating that a user has performed an operation to inquire about use of an electronic payment service, determining a service for resolving the inquiry based on the user's usage history of the electronic payment service; providing information corresponding to the service to a terminal device of the user; Information processing system.

2. determining a service for resolving the inquiry based on the attributes of the user and the user's usage history of electronic payment services; The information processing system according to claim 1 .

3. The usage history is one or more of the following: a degree of use of the electronic payment service, a frequency of use of the electronic payment service, a period of use of the electronic payment service, or a usage mode of the electronic payment service; 3. The information processing system according to claim 1 or 2.

4. determining, as the service for resolving the inquiry, a service provided in response to an inquiry made in the past by another user who has a usage history with the same or similar tendency as the usage history of the electronic payment service of the user, and which is the same or similar to the inquiry of the user; 3. The information processing system according to claim 1 or 2.

5. the determined service is a service that has been able to solve the inquiry made by the other user in the past to a high degree; 5. The information processing system according to claim 4.

6. determining the service based on the usage pattern of the electronic payment service from the time when the user made the inquiry until a predetermined time before; 3. The information processing system according to claim 1 or 2.

7. The service determined to resolve the inquiry is content that facilitates the resolution of the inquiry, a chatbot service, a manned chat service, or a telephone support service; 3. The information processing system according to claim 1 or 2.

8. the service determined to resolve the inquiry is a content that facilitates the resolution of the inquiry; 3. The information processing system according to claim 1 or 2.

9. determining the service based on the usage history of the electronic payment service of the user as well as the degree of congestion of the manned chat service and the degree of congestion of the telephone support service; The information processing system according to claim 7.

10. determining a first service for resolving the inquiry based on the user's usage history of an electronic payment service, and providing information corresponding to the first service to the user's terminal device; if the user is unable to resolve the inquiry using the first service, determining a second service for resolving the inquiry based on one or both of the user's history of use of an electronic payment service and the user's attributes, and providing information corresponding to the second service to the user's terminal device; 3. The information processing system according to claim 1 or 2.

11. If the content of the inquiry is presumed to be an inquiry to a member store of the electronic payment service, provide information indicating the contact information of the member store to the user's terminal device together with or instead of the information corresponding to the service.

3. The information processing system according to claim 1 or 2.

12. In response to acquiring inquiry information indicating that a user has performed an operation to inquire about the use of an electronic payment service, the inquiry information and the user's usage history of the electronic payment service are input into a trained model, and a service for resolving the inquiry is determined based on information output by the trained model; The trained model is a model trained to output a service according to the input information when the inquiry information and the user's electronic payment service usage history are input.

3. The information processing system according to claim 1 or 2.

13. The computer In response to acquiring inquiry information indicating that a user has performed an operation to inquire about use of an electronic payment service, determining a service for resolving the inquiry based on the user's usage history of the electronic payment service; providing information corresponding to the service to a terminal device of the user; Information processing methods.

14. On the computer, In response to acquiring inquiry information indicating that a user has performed an operation to inquire about use of an electronic payment service, a service for resolving the inquiry is determined based on the user's use history of the electronic payment service; providing information corresponding to the service to a terminal device of the user; program.

Images