Payment server, information processing device, information processing method, and program

Abstract

[Problem] To more appropriately determine user tendencies. [Solution] A payment server that cooperates with a payment application running on a user terminal device to provide an electronic payment service that allows a user to perform electronic payments, including electronic payments at physical stores, includes an acquisition unit that acquires information for judgment based on information related to the electronic payment stored in a storage unit, and a derivation unit that derives the first probability and the second probability by inputting the information for judgment acquired by the acquisition unit into a trained model that has been trained to output, when the information for judgment is input, a first probability that the user will use revolving payment in the electronic payment and a second probability that the user will have a default, thereby deriving the first probability and the second probability. [Selected Figure] Figure 8

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