Processing system, processing method, and program

Abstract

To provide more useful information to a user.SOLUTION: According to an aspect of the present invention, there is provided a processing system configured to execute electronic payment of an electronic payment service in cooperation with a payment application of a user, the processing system including an acquisition unit configured to acquire financial information related to a service of the user from each of a plurality of service servers configured to provide a plurality of different types of financial services, and a processing unit configured to cause a display unit to display an interface screen including each of the acquired first financial information of the different types of financial services and second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] A conventional portfolio design support system has been disclosed that collects and analyzes financial product information of users at multiple financial institutions from the server computers of the multiple financial institutions, and that includes a login screen presentation means that presents a login screen to the financial institution via application software and prompts the user to enter specified login information, a financial product information collection means that collects financial product information of the user at the logged-in financial institution, and a portfolio design means that analyzes the collected financial product information and designs the user's portfolio (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2016-095724 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technologies collect information on securities, but do not provide information on other types of financial products. This prevents users from obtaining sufficient useful information. For example, it is sometimes impossible to obtain financial information that integrates a user's assets and liabilities.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide a processing system, a processing method, and a program that can provide more useful information to users. [Means for solving the problem]

[0006] One aspect of the present invention is a processing system that performs electronic payments for electronic payment services in cooperation with a user's payment app, and includes an acquisition unit that acquires financial information related to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services, and a processing unit that displays on a display unit an interface screen that includes each of the acquired first financial information for the different types of financial services and the user's second financial information associated with the electronic payment service of the payment app stored in a memory unit. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide a processing system, a processing method, and a program that can provide more useful information to users. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of point information 173. [Figure 7] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 10 is a diagram showing an example of an interface screen provided to a user. [Figure 9] FIG. 10 is a diagram showing another example of an interface screen. [Figure 10] FIG. 10 is a diagram showing an example of personal attribute information 180. [Figure 11]FIG. 10 is a diagram showing another example of an interface screen provided to a user. [Figure 12] FIG. 10 is a diagram showing an example of personal proposal information 182. [Figure 13] 1 is an interface screen containing an analysis of spending. [Figure 14] 10 is a sequence diagram showing an example of the flow of processing executed by payment application 20, payment server 100, and service server 200. FIG. [Figure 15] FIG. 10 is a diagram showing an interface screen IM5. [Figure 16] FIG. 10 is a diagram showing an interface screen IM6. [Figure 17] FIG. 10 is a diagram showing an interface screen IM7. [Figure 18] FIG. 10 is a diagram showing an example of the contents of group service information 184. [Figure 19] FIG. 10 is a diagram showing another example of an interface screen. [Figure 20] FIG. 10 is a diagram showing an example of group attribute information 186. [Figure 21] 1 is an interface screen IM9 containing health information. [Figure 22] FIG. 10 is a diagram showing an example of group proposal information 188. [Figure 23] 1 is an interface screen IM10 containing proposal information and the status of the group's assets. [Figure 24] 1 is an interface screen containing an analysis of spending. [Figure 25] 10 is a sequence diagram showing an example of the flow of processing executed by payment application 20, payment server 100, and service server 200. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of a processing system, a processing method, and a program of the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the hardware owner (the cloud server provider) 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 app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for e-commerce. Virtual stores may also include stores operated by entities other than the operator of the electronic payment service. In such cases, when making a payment for a purchase at a virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system that provides an electronic payment service. The electronic payment service is realized primarily around a payment server 100. The electronic payment system that provides 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, the payment server 100, and multiple service servers 200. These devices communicate via, for example, a network NW. The network NW includes, for example, the Internet, a local area network (LAN), a wireless base station, a provider device, and a payment system network such as a credit card. The payment server 100 is an example of a "processing system." In FIG. 1, a first service server 200-1, a second service server 200-2, and a third service server 200-3 are shown as examples of service servers.

[0011] Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. For example, some or all of the functional components of the payment server 100 may be included in another device.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or 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 acceptance 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 app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] [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).

[0014] [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, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from 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 the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] [Payment server] 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 payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0016] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0017] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 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 information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0018] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or 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 in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, 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.

[0020] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. 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, an information processing unit 150, 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), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0021] The storage unit 170 is a HDD, flash memory, 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, etc. The storage unit 170 also stores personal service information 178, personal attribute information 180, personal proposal information 182, group service information 184, group attribute information 186, group proposal information 188, etc. Some of this information may be stored in the storage unit of the user terminal device 10.

[0022] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0023] The content providing unit 120 has, for example, a web server function, 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 from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information necessary for generating the content.

[0024] 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.

[0025] [User information] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. Registration of a telephone number and password is required when registering for an electronic payment service. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth can be set by the user (or do 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.

[0026] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown 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.).

[0027] The user information 172 includes point information, which is, for example, information in which points that can be used in electronic payment services are associated with a user ID.

[0028] [Partner / Store Information] 6 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 ID is associated with an affiliated store name and sales amount (described above), 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 store's location, and payment patterns.

[0029] The information management unit 140 acquires information provided by other server devices, terminal devices, and the service server 200. 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, deletes, and so on for the user information 172 and affiliated store / store information 176.

[0030] [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 references the user information 172 to acquire the "payment method setting" of the user. For users 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 proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0031] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0032] The information processing unit 150 executes various processes related to the information held by the payment server 100. For example, the information processing unit 150 processes information acquired from the service server 200 and provides useful information to the user.

[0033] [overview] Payment server 100 is a payment server that executes electronic payments for electronic payment services in cooperation with a user's payment app, and acquires financial information related to the user's services from each of multiple service servers that provide multiple different types of financial services. Payment server 100 displays, on a display unit, interface screens (e.g., Figures 8, 9, 11, 13, 19, 21, 23, 24, etc.) that include each of the acquired first financial information for the different types of financial services and the user's second financial information associated with the electronic payment services of payment app 20 stored in memory unit 170. Financial information refers to various types of financial information, such as income, expenditures, assets, and liabilities.

[0034] The services are services provided via the payment application 20, services linked to the electronic payment service, or services provided within the electronic payment service. Services include insurance services, securities services, banking services, and credit card services. In addition to these services, services include various financial services such as point and loan services. These services may be, for example, services provided using mini-apps that operate in conjunction with the payment application 20.

[0035] [Presenting the tally results] The payment server 100 aggregates the first financial information and the second financial information and displays an interface screen including the aggregation result on the display unit. The payment server 100 performs the above processing, for example, by referring to personal service information 178. FIG. 7 is a diagram showing an example of personal service information 178. The personal service information 178 is information in which information acquired from multiple service servers 200 is associated with user identification information such as a user ID. The information acquired from the multiple service servers 200 includes, for example, a credit card usage history (scheduled payment amount, etc.) acquired from a credit card service server, user information (deposits and loans) managed by banks acquired from a banking service server, user information (securities account and stock information) managed by securities companies acquired from a securities service server, user information (insurance amount to be received and insurance amount paid) managed by insurance companies acquired from an insurance service server, user information (charge balance) managed by the payment server 100, and chronological information thereof.

[0036] FIG. 8 is a diagram showing an example of an interface screen provided to a user. The interface screen IM1 includes information showing the user's financial information. This information is compiled by the payment server 100 from the personal service information 178. For example, it is the result of tallying up the user's assets and liabilities. In this way, the user can easily check the status of their assets.

[0037] [List screen display] The payment server 100 displays an interface screen IM2 listing information related to the user's finances on the display unit. The payment server 100 references the personal service information 178 and displays a list screen of various financial information included in the personal service information 178 on the display unit. Figure 9 is a diagram showing another example of the interface screen. The interface screen IM2 includes a list of credit card usage amounts, bank deposits, loan balances, securities-related assets, insurance-related assets, electronic payment service charge balances, and the amount of points held. As described above, the user can easily recognize the assets and financial information he or she owns.

[0038] [Presenting the health assessment results] The payment server 100 determines the financial soundness of the user based on the user's attributes stored in the storage unit 170, the first financial information of each user of the service, and the payment history of electronic payments using the payment application 20, and causes the display unit to display an interface screen including the determination result. Specifically, the payment server 100 determines the financial soundness based on the personal service information 178 and the personal attribute information 180.

[0039] FIG. 10 is a diagram showing an example of personal attribute information 180. The personal attribute information 180 is, for example, information in which multiple attribute patterns are associated with characteristics for each attribute pattern. The characteristics include age, occupation, gender, income, expenses, assets, family structure, and spending patterns (some of which may be omitted). The payment server 100 identifies attribute patterns that match or are similar to information indicating the user's characteristics stored in the storage unit 170, thereby identifying the user's attribute pattern. The information indicating the user's characteristics stored in the storage unit 170 may be information obtained from the service server 200 or information entered by the user. For example, a user who is 30 years old, a company employee, has an annual income of XXX million, expenses of △△, assets of XX, is single, and has spending pattern A is classified as attribute A. A spending pattern is a pattern classified according to a user's spending tendencies. For example, expenditure patterns are classified into expenditure patterns that emphasize lifestyle-related expenses such as rent and food, expenditure patterns that emphasize hobbies, expenditure patterns that emphasize family expenses, expenditure patterns that emphasize asset formation such as savings and investments, etc. The expenditure patterns may be determined by the payment server 100 based on information linked to the user and expenditure trends for each preset expenditure pattern, or may be determined based on information input by the user.

[0040] The payment server 100 determines the user's financial health by, for example, referring to the user's attributes, the user's personal service information 178 (patterns of the content of the personal service information 178), and information indicating financial health determined for each combination pattern of the above attributes and the personal service information 178 stored in the storage unit 170. Alternatively, the payment server 100 may determine the user's financial health by referring to the user's attributes and information indicating financial health determined for each pattern of the above attributes stored in the storage unit 170. For example, if a user with attributes close to retirement age has few assets and spends roughly the same as his or her salary, the payment server 100 determines that the user's financial health is low. For example, if a user with attributes of an office worker in his or her twenties has few assets and spends a lot compared to his or her income, but his or her salary is increasing in line with his or her spending and the increase in salary exceeds the increase in his or her spending, the payment server 100 determines that the user's spending is appropriate and that the user's financial health is high. As described above, the user can easily recognize his or her financial health.

[0041] 11 is a diagram showing another example of an interface screen provided to a user. The interface screen IM2 includes, for example, information IF1 indicating health. Furthermore, the interface screen IM2 includes suggested information IF2.

[0042] [Presenting proposed information] Payment server 100 identifies a target service to be provided to the user from among multiple services or target services provided by the electronic payment service based on the user's attributes stored in storage unit 170, the first financial information of each user of the service, and the payment history of electronic payments using payment app 20 (or based on one or more of these pieces of information), and causes the display unit to display an interface screen including the identified target service. For example, payment server 100 identifies a target service to be proposed to the user from among multiple services or target services provided by the electronic payment service based on the payment history of electronic payments for the electronic payment service using payment app 20, and causes the display unit to display an interface screen including the identified target service. The target service is, for example, a service provided by the electronic payment service or a service provided by operating payment app 20.

[0043] For example, the payment server 100 uses the personal proposal information 182 to identify a target service, which is a service to be proposed to the user, and displays an interface screen IM2 including proposal information including the identified target service on the display unit. More specifically, the payment server 100 identifies a target service, which is a service to be proposed to the user, based on the personal service information 178, the personal attribute information 180, and the personal proposal information 182.

[0044] FIG. 12 is a diagram showing an example of the personal proposal information 182. The personal proposal information 182 is information that associates, for example, the user's attributes, the user's asset status (e.g., asset amount, asset composition, and other patterns), the payment history of electronic payment services, and one or more proposed services. The asset status may be determined by the payment server 100 based on the personal service information 178 and a preset classification pattern for each piece of financial information, or may be selected by the user. The payment server 100 classifies the user's payment history based on the payment history and the preset pattern. This classifies the user's payment history into a predetermined pattern.

[0045] For example, a user with attribute A, asset pattern XX, and payment history pattern XX may be offered the purchase of a voucher with a premium or a deposit. For example, a user with attribute A, asset pattern XX, and payment history pattern △△ may be offered the option of increasing the point redemption rate by applying for investments or a credit card and making credit card payments. In addition to the above, specific investment products or saving actions (e.g., changing electricity providers) may also be offered. For example, a user with a high ratio of living expenses to income, low assets, and a dependent family may be offered the option of reducing living expenses, such as purchasing a voucher with a premium. For example, a user with a low ratio of living expenses to income, relatively high assets, and a dependent family may be offered the option of efficiently managing excess assets, such as through investments. As described above, the payment server 100 can make appropriate suggestions tailored to the user.

[0046] [Expense analysis results proposal] The payment server 100 provides the user with information indicating the analysis results of expenditures based on information obtained from each service and the payment history of the electronic payment service. Figure 13 shows an interface screen including the expenditure analysis results. Interface screen IM4 includes information IF3 indicating the analysis results. The payment server 100, for example, calculates the expenditure amount for each type of expenditure in the personal service information 178 and provides the calculation results to the user. The personal service information 178 includes information such as credit card usage history, the type of affiliated store used, the amount debited from the bank and the details of the debit, and the type of affiliated store where the electronic payment for the electronic payment service was made. The information indicating the type of expenditure may be transmitted together with the payment information from the affiliated store's terminal device, a server device via which the affiliated store is connected, or the payment app 20. The payment server 100 references the above information to identify the type of expenditure and provides the user with the amount of each type of expenditure.

[0047] As described above, users can refer to information that compiles expenditures managed by different services by type, which allows users to easily recognize which types of expenditures are high or can be reduced.

[0048] [Set Budget] The payment server 100 may set a budget for each type of expenditure and notify the user when the budget is approaching or reached. For example, when display IF4 for setting a budget on interface screen IM4 is operated, the payment server 100 displays an interface screen for setting a budget for each type of expenditure on the display unit. For example, a budget can be set for any type of expenditure, such as food, travel, entertainment, etc.

[0049] The payment server 100 acquires information for updating the personal service information 178 from the service server 200, for example, at predetermined intervals or each time the user makes an expenditure, and based on the acquired information, determines whether the expenditure has reached the budget and notifies the user according to the result of the determination.

[0050] As described above, the payment server 100 acquires information on the user's expenditures from each service server 200 and manages the budget based on the acquired information, so the user can easily manage the budget without accessing each service server 200. For example, the user can easily recognize chronological information on financial information such as expenditures, income, liabilities, and assets. Furthermore, the user can make more appropriate financial decisions by referring to the information.

[0051] [Sequence diagram] FIG. 14 is a sequence diagram showing an example of the flow of processing executed by payment application 20, payment server 100, and service server 200. First, payment server 100 requests each service server 200 to provide information (S100, S102). Each service server 200 provides information in response to the request (S104, S106). The provided information is, for example, information reflected in personal service information 178. Service server 200 may voluntarily provide information to payment server 100. Payment server 100 may obtain information from service server 200 in response to a request from payment application 20. The timing at which S100-S108 above are executed is not limited to this and may be any timing.

[0052] Next, when the user performs a predetermined operation on the payment application 20, the payment application 20 transmits information corresponding to the predetermined operation to the payment server 100 (S150). The predetermined operation is an operation to request the display of any of the interface screens described above.

[0053] Next, the payment server 100 generates information corresponding to the predetermined operation based on the information stored in the storage unit 170 (S152), and provides the generated information to the payment application 20 (S154). Next, the payment application 20 displays the generated information on the display unit (S156).

[0054] As described above, payment application 20, payment server 100, and service server 200 cooperate to process information managed by service server 200 so that the information is useful to the user, and provide the information to the user. In this way, useful information is provided to the user.

[0055] [Add family members] The payment server 100 acquires financial information of a target person, such as a family member of the user, a person sharing the same household as the user, or a predetermined person, from each of a plurality of service servers. The payment server 100 displays an interface screen on the display unit including the first financial information of the user and the target person, and the second financial information of the user and the target person associated with the electronic payment service of the payment app stored in the storage unit 170 (see FIG. 19 described later).

[0056] The payment server 100 displays an interface screen IM5 for registering the subject on the display unit. Fig. 15 is a diagram showing the interface screen IM5. The interface screen IM5 is an interface for registering various information about the subject, such as the number of subjects and the status of support.

[0057] The payment server 100 further displays an interface screen IM6 on the display unit for registering the subject's income, savings, loan balance, monthly consumption amount, and other financial information. Fig. 16 is a diagram showing the interface screen IM6. The payment server 100 further displays an interface screen IM7 on the display unit for registering various insurance amounts for the subject. Fig. 17 is a diagram showing the interface screen IM7. In addition to the above, an interface screen for registering information necessary for generating group service information 184 (described later) is displayed on the display unit, and the user registers the information.

[0058] As described above, the payment server 100 generates group service information 184 based on the registered information. Fig. 18 is a diagram showing an example of the content of the group service information 184. The group service information 184 is information in which, for example, registered information is associated with each piece of identification information of a target person. The registered information includes, for example, credit card usage history (scheduled payment amount, etc.), user information managed by a bank (deposits and loans), user information managed by a securities company (securities account and stock information), user information managed by an insurance company (insurance amount to be received and insurance amount paid), user information managed by the payment server 100 (charge balance), and time-series information thereof.

[0059] In the above example, the user registers the information of the target person. However, by linking with the payment app 20 of the target person or another app, the payment server 100 and the service server 200 may link together to automatically acquire the information of the target person. For example, when the target person operates the payment app 20 to input identification information such as the target person's user ID, account ID, and phone number, and the operation of allowing the target person to share information is performed via the payment app 20 of the target person, various information of the target person becomes viewable in the user's payment app 20. Furthermore, the information of the target person may be shared by performing SNS authentication. For example, when the user enters the target person's phone number or the like into the payment app 20 to perform SNS authentication, an SNS message including a link is sent to the target person's terminal device linked to the phone number. When the target person operates this link and performs a predetermined operation, the target person's financial information becomes viewable using the user's payment app 20.

[0060] [List screen display] In response to a user request, the payment server 100 references the group service information 184 and displays a list screen of various financial information included in the group service information 184 on the display unit. FIG. 19 is a diagram showing another example of an interface screen. The interface screen IM8 displays financial information that integrates the user's financial information and the target person's financial information. The interface screen IM8 includes lists of credit card usage amounts, bank deposits, loan balances, securities-related assets, insurance-related assets, electronic payment service charge balances, and held points. As described above, the user can easily recognize the assets and financial information held by the user and the target person.

[0061] [Presenting the health assessment results] The payment server 100 determines the financial soundness of the group including the user and the target person based on the attributes of the user and the target person stored in the memory unit 170, and one or both of the first financial information of each user and target person of the service and the payment history of electronic payments made by the user and the target person using the payment app 20, and displays an interface screen including the results of the determination on the display unit.

[0062] FIG. 20 is a diagram illustrating an example of group attribute information 186. Group attribute information 186 is information in which, for example, multiple attribute patterns are associated with characteristics for each attribute pattern. Characteristics include the occupations of the group's subjects (e.g., the user and his / her wife are company employees), gender (e.g., the gender of the user, wife, and child), income, expenses, assets, family structure, and expenditure patterns. Family structure, for example, may be a family consisting of a man in his / her 30s, a wife, and one child, or a family consisting of a man in his / her 50s, a wife, and one working child. The payment server 100 identifies attribute patterns that match or are similar to the information indicating the group's characteristics stored in the storage unit 170, thereby identifying the group's attribute pattern. The information indicating the group's characteristics stored in the storage unit 170 may be information obtained from the service server 200 or information entered by the user. For example, a user in his / her 30s (company employee), a wife (company employee), a child in elementary school, an annual income of ¥XXX, expenses of ¥△, and assets of ¥□, and a user with expenditure pattern A is classified as attribute A. The expenditure patterns are the same as those described above.

[0063] The payment server 100 determines the user's health by, for example, referring to the attributes of the user and the target person (group attributes), the user's personal service information 178 and the target person's group service information 184, and information indicating health determined for each combination pattern of the above attributes, the personal service information 178 (pattern of the content of the personal service information 178), and the group service information 184 (pattern of the content of the group service information 184) stored in the storage unit 170. Alternatively, the payment server 100 may determine the user's health by referring to the attributes of the user and the target person (group attributes) and information indicating health determined for each pattern of the above attributes stored in the storage unit 170. For example, the payment server 100 determines that a group of users with attributes close to the retirement age have low assets and spend approximately the same as their salary as their health. For example, even if a group with an attribute of people in their twenties has few assets and spends a lot on family given their income, the payment server 100 determines that the expenditures are appropriate and that the group's financial health is high. FIG. 21 shows an interface screen IM9 including financial health information. The interface screen IM9 includes information indicating high financial health. This information is generated by the payment server 100 based on the group attribute information 186 and the group service information 184, as described above. As described above, the user can easily recognize the financial health.

[0064] [Presenting proposed information] Payment server 100 identifies a target service to be proposed to a group including the user and the target person from among the target services provided by the multiple services or electronic payment services, based on one or both of (a) the attributes of the user and the target person stored in memory unit 170, and (b) the first financial information of each user and the target person of the service and the payment history of electronic payments made by the user and the target person using payment app 20, and causes the display unit to display an interface screen including the identified target service. Payment server 100 may identify a target service to be proposed to a group including the user and the target person from among the target services provided by the multiple services or electronic payment services, based on the payment history of electronic payments made by the user and the target person using payment app 20, and cause the display unit to display an interface screen including the identified target service.

[0065] For example, the payment server 100 uses the group proposal information 188 to identify a target service that is a service to be proposed to the user, and causes the display unit to display an interface screen IM9 including proposal information that includes the identified target service. More specifically, the payment server 100 identifies a target service that is a service to be proposed to the user based on the group service information 184, the group attribute information 186, and the group proposal information 188.

[0066] FIG. 22 is a diagram showing an example of group proposal information 188. Group proposal information 188 is information that associates, for example, the group's attributes, the group's asset status (e.g., asset amount, asset composition, and other patterns), the payment history of electronic payment services of users and subjects included in the group, and one or more proposed services. The asset status may be determined by the payment server 100 based on the group service information 184 and a preset classification pattern for each piece of financial information, or may be selected by the user. The payment server 100 classifies the payment history of the users and subjects based on the payment history and the preset pattern. As a result, the payment history of the group of users and subjects is classified into a predetermined pattern.

[0067] For example, a group with attribute A, asset pattern XX, and payment history pattern XX may be suggested to purchase a voucher with a premium or make a deposit. For example, a group with attribute A, asset pattern XX, and payment history pattern △△ may be suggested to increase the point redemption rate by investing or signing up for a credit card and making credit card payments. For example, a group with a high ratio of living expenses to income, few assets, and many dependents may be suggested to reduce living expenses by purchasing a voucher with a premium. For example, a group with a low ratio of living expenses to income, relatively high assets, and few dependents may be suggested to efficiently manage excess assets, such as by investing. As described above, the payment server 100 can make appropriate suggestions according to the group.

[0068] [Expense analysis results proposal] 23 shows an interface screen IM10 including proposed information and the status of the group's assets. The interface screen IM10 includes time-series information on the group's total assets, proposed information, etc. In this way, the payment server 100 aggregates the financial information of each member of the group that is distributed across multiple services and provides it to the user, allowing the user to easily recognize the group's financial information.

[0069] [Expense analysis results proposal] The payment server 100 provides the user with information indicating the analysis results of an expenditure analysis based on information obtained from each service and the payment history of the electronic payment service. Figure 24 shows an interface screen including the expenditure analysis results. Interface screen IM11 includes information indicating the analysis results. The payment server 100, for example, calculates the expenditure amount for each type of expenditure in the group service information 184 and provides the calculation results to the user. The group service information 184 includes information such as the credit card usage history and the type of affiliated store used, the amount debited from the bank and the details of the debit, and the type of affiliated store where the electronic payment for the electronic payment service was made. The payment server 100 references the above information to identify the type of expenditure and provides the user with the amount for each type of expenditure.

[0070] As described above, users can refer to information that summarizes expenses managed by different services by type. This allows users to easily recognize which types of expenses are high for members of their group and which can be reduced.

[0071] [Set Budget] The payment server 100 may set a budget for each type of expenditure and notify the user when the budget is approaching or reached. For example, when a button for setting a budget is operated on a predetermined interface screen, the payment server 100 displays an interface screen for setting a budget for each type of expenditure on the display unit. For example, a budget can be set for any type of expenditure, such as food, travel, entertainment, etc.

[0072] The payment server 100 acquires information for updating the group service information 184 from the service server 200, for example, at predetermined intervals or each time a user or target person makes an expenditure, and based on the acquired information, determines whether the expenditure has reached the budget and notifies the user according to the result of the determination.

[0073] As described above, the payment server 100 acquires information on the expenditures of users and subjects from each service server 200 and manages the budget based on the acquired information, so that the user can easily manage the budget without accessing each service server 200. For example, the user can easily recognize chronological information on financial information such as family expenditures, income, liabilities, and assets. Furthermore, by referring to the above information, the user can make more appropriate financial decisions.

[0074] [Sequence diagram] 25 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the payment server 100, and the service server 200. First, when a user performs a predetermined operation on the payment application 20, the payment application 20 transmits information corresponding to the predetermined operation to the payment server 100 (S200). The predetermined operation is an operation to request the display of any of the interface screens described above. For example, assume that a request is made to check the status of the group's assets.

[0075] Next, the payment server 100 requests the cooperating service server 200 to provide information on the group members and the user, which information corresponds to a predetermined operation (S202). The payment server 100 acquires the information in response to the request (S204) and provides the acquired information to the payment server 100 (S206). Next, the payment server 100 generates information corresponding to the operation of S200 based on the provided information and information held by its own device, and provides the generated information to the payment application 20 (S210). Next, the payment application 20 displays the generated information on the display unit (S2212).

[0076] As described above, payment application 20, payment server 100, and service server 200 cooperate to process information managed by service server 200 so that the information is useful to the user, and provide the information to the user. In this way, useful information is provided to the user.

[0077] Through the above processes, a user can refer to financial information of a group including the user and the target person by using payment application 20. For example, the user can recognize the chronological status of financial information such as expenditures, income, liabilities, and assets, and can confirm the soundness of the financial information. Furthermore, the user can easily check which types of expenditures are most frequent.

[0078] According to the embodiment described above, the payment server 100 can provide more useful information to the user by displaying on the display unit an interface screen including the first financial information of each of different types of financial services and the user's second financial information associated with the electronic payment service of the payment app 20 stored in the memory unit.

[0079] 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]

[0080] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department (Acquisition Department) 150 Information Processing Section (Processing Section)

Claims

1. A processing system that executes electronic payments of an electronic payment service in cooperation with a user's payment application, an acquisition unit that acquires financial information relating to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services; a processing unit that displays, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; and A processing system comprising:

2. the processing unit aggregates the first financial information and the second financial information, and causes the display unit to display an interface screen including the aggregated results. The processing system of claim 1 .

3. the service is a service provided via the payment app, The services include insurance services, securities services, banking services, and credit card services. The processing system of claim 2 .

4. the processing unit determines the financial soundness of the user based on the attributes of the user stored in the storage unit, the first financial information of the user for each of the services, and the payment history of the electronic payment using the payment app, and causes the display unit to display an interface screen including the result of the determination; The processing system according to any one of claims 1 to 3.

5. the processing unit identifies a target service to be proposed to the user from among target services provided by the plurality of services or the electronic payment service based on the attributes of the user stored in the storage unit, the first financial information of the user for each of the services, and the payment history of the electronic payment using the payment app, and causes the display unit to display an interface screen including the identified target service; The processing system according to any one of claims 1 to 3.

6. the processing unit identifies a target service to be proposed to the user from among the plurality of services or target services provided by the electronic payment service based on a payment history of electronic payments of the electronic payment service using the payment app, and causes a display unit to display an interface screen including the identified target service; The processing system according to any one of claims 1 to 3.

7. The acquisition unit acquiring the financial information of a subject who is a family member of the user or who shares the same household finances as the user from each of the plurality of service servers; the processing unit causes a display unit to display an interface screen including first financial information of the user and the target person, and second financial information of the user and the target person associated with the electronic payment service of the payment app stored in a storage unit; The processing system according to any one of claims 1 to 3.

8. the processing unit determines the financial soundness of a group including the user and the target person based on the attributes of the user and the target person stored in the storage unit, the first financial information of the user and the target person for each of the services, and the payment history of the electronic payment made by the user and the target person using the payment app, and causes an interface screen including the result of the determination to be displayed on the display unit; The processing system of claim 7 .

9. the processing unit identifies a target service to be proposed to a group including the user and the target person from among target services provided by the plurality of services or the electronic payment service, based on the attributes of the user and the target person stored in the storage unit, the first financial information of the user and the target person for each of the services, and the payment history of the electronic payment using the payment app of the user and the target person, and displays an interface screen including the identified target service on the display unit; The processing system of claim 7 .

10. the processing unit identifies a target service to be proposed to a group including the user and the target person from among the plurality of services or target services provided by the electronic payment service based on the payment history of electronic payments made by the user and the target person using the payment app of the electronic payment service, and causes a display unit to display an interface screen including the identified target service; The processing system of claim 7 .

11. The computer A processing method for executing electronic payment of an electronic payment service in cooperation with a user's payment application, a process of acquiring financial information relating to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services; a process of displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; How to perform the processing.

12. On the computer, A program that executes electronic payments of an electronic payment service in cooperation with a user's payment application, a process of acquiring financial information relating to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services; a process of displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; A program that executes the following.

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