Information processing apparatus, information processing method, and program

Abstract

To accurately derive information indicating utility of an electronic flyer.SOLUTION: An information processing apparatus includes: an acquisition unit which acquires browsing history information regarding a record of a user browsing an electronic flyer of an affiliated store of an electronic settlement service displayed on a display unit of a terminal device, and settlement history information for electronic settlement on the user using the electronic settlement service; and a processing unit which collates the browsing history information including identification information of the user and electronic flyer identification information for identifying the electronic flyer, the settlement history information including identification information of the affiliated store and identification information of the user, and association information indicating association between the identification information of the affiliated store and the electronic flyer identification information stored in a storage unit, to identify, a user who made the electronic settlement in the affiliated store corresponding to predetermined electronic flyer identification information after browsing the electronic flyer of the predetermined electronic flyer identification information, and derives an index related to utility of the electronic flyer of the predetermined electronic flyer identification information on the basis of a result identified.SELECTED DRAWING: Figure 4

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, a point-granting system has been disclosed that can grant benefits to users who purchase products featured in electronic flyers distributed by an electronic flyer distribution server (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-98399 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the conventional technology, the utility of the flyer was not taken into consideration, and therefore the utility of the electronic flyer could not be derived with high accuracy.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide an information processing device, an information processing method, a program, and an information processing system that can accurately derive information indicating the utility of electronic flyers. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires viewing history information, which is a history of a user's viewing of an electronic flyer of an affiliated store of an electronic payment service displayed on a display unit of a terminal device, and payment history information of electronic payments made using the user's electronic payment service, and a processing unit that compares the viewing history information including the user's identification information and electronic flyer identification information for identifying the electronic flyer, the payment history information including the user's identification information and the affiliated store's identification information, and correspondence information that indicates a correspondence between the electronic flyer identification information and the affiliated store's identification information stored in a memory unit to identify a user who viewed an electronic flyer of a specific electronic flyer identification information and then made the electronic payment at the affiliated store corresponding to the specific electronic flyer identification information, and derives an index related to the utility of the electronic flyer of the specific electronic flyer identification information based on the result of the identification. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, a program, and an information processing system that are capable of accurately deriving information indicating the utility of an electronic flyer. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 182. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 186. [Figure 7] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 186. [Figure 8]FIG. 13 is a diagram showing an example of the contents of handbill information 188. [Figure 9] FIG. 13 is a diagram showing an example of the contents of statistical information 190. [Figure 10] 4 is a sequence diagram showing an example of the flow of processes executed by payment application 20 and payment server 100. FIG. [Figure 11] FIG. 13 is a diagram showing an example of information related to an electronic flyer created in a specific store. [Figure 12] FIG. 13 is a diagram showing the results of a compilation of the frequency of electronic payments. [Figure 13] FIG. 13 is a diagram showing an example of statistical information 190 in which user attributes are taken into consideration. [Figure 14] FIG. 2 is a diagram illustrating an overview of a process in which the learning device 200 generates a trained model 300. [Figure 15] A diagram to explain information input to a generated trained model and information output by the trained model. [Figure 16] FIG. 11 is a diagram illustrating an example of corresponding position information. [Figure 17] FIG. 11 is a diagram illustrating an example of a ranking. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0010] [overview] The information processing device has an acquisition unit that acquires browsing history information, which is a history of a user's viewing of electronic flyers of affiliated stores (stores) of an electronic payment service displayed on the display unit of a terminal device, and payment history information of electronic payments made using the user's electronic payment service, and compares (collates) the browsing history information, which includes the user's identification information and electronic flyer identification information for identifying the electronic flyer, and the payment history information, which includes the user's identification information and the affiliated store's identification information (or either the affiliated store's identification information or the store's identification information), with correspondence information stored in a memory unit that indicates the correspondence between the electronic flyer identification information and the affiliated store's identification information.

[0011] The information processing device includes a processing unit that identifies a user who has viewed an electronic flyer having a predetermined electronic flyer identification information and then made the electronic payment at a member store corresponding to the predetermined electronic flyer identification information, and derives an index related to the utility of the electronic flyer having the predetermined electronic flyer identification information based on the identification result. For example, a user who has made the electronic payment at a member store corresponding to the predetermined electronic flyer identification information within a predetermined period after viewing the electronic flyer may be a target for deriving the index.

[0012] The index of utility may be an index obtained from the history of electronic payments of an electronic payment service, such as the payment amount of an electronic payment, the number of times the electronic payment is used, or an index that can be derived from these.

[0013] The identification information of the affiliated store may be identification information (affiliated store ID) that is commonly assigned to a plurality of stores, or may be identification information (store ID) that is assigned to each store.

[0014] In the above example, the electronic flyer identification information is used, but the identification information of the affiliated store (or shop) may be used instead of the electronic flyer identification information. For example, the identification information of the affiliated store may be used instead of the electronic flyer identification information for the browsing history information. In this case, the correspondence information may be omitted.

[0015] [Electronic payment service] Fig. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0016] 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.

[0017] 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).

[0018] 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.

[0019] 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.

[0020] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0021] 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 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.

[0022] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, 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).

[0023] 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, 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.

[0024] [Payment server] FIG. 4 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 browsing determination unit 150, an information processing unit (acquisition unit) 160, a statistical processing unit 170, and a storage unit 180. The components other than the communication unit 110 and the storage unit 180 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.

[0025] The storage unit 180 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 180 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 180 stores information such as user information 182, payment content information 184, affiliated store / shop information 186, flyer information 188, and statistical information 190.

[0026] 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.

[0027] 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 appropriately reads out necessary content from the payment content information 184 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. In addition, the content providing unit 120 provides an electronic flyer of flyer information 188 to the payment application 20. Furthermore, the content providing unit 120 provides content generated by or held by the payment server 100 to the member store interface 72. The content providing unit 120 provides statistical information, which will be described later, to the member store interface 72.

[0028] 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 182.

[0029] FIG. 5 is a diagram showing an example of the contents of the user information 182. The user information 182 is an example of the registration information of a user. The user information 182 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 flyer viewing 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.

[0030] 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 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 transferring funds to the electronic payment service in advance to increase the charge balance.

[0031] The payment history information is information that indicates the details of a payment made by a user for each payment (date and time, the store ID (or affiliated store ID) of the store where the purchase was made, the payment amount, the payment method, etc.).

[0032] The flyer viewing information is, for example, information in which the time when the flyer was viewed is associated with the identification information (electronic flyer ID) of the electronic flyer. The viewing time when the flyer was viewed is the time when the user viewed the flyer, and the electronic flyer ID is the electronic flyer ID of the electronic flyer viewed at that time.

[0033] The viewing determination unit 150 generates flyer viewing information based on a user's operation on the payment application 20. FIG. 6 is a diagram for explaining the viewing of an electronic flyer. The electronic flyer is, for example, an electronic flyer that can be viewed on the payment application 20. For example, when the user performs a predetermined operation on the payment application 20, the content providing unit 120 causes a list screen IF1 of electronic flyers to be displayed on the display unit of the user terminal device 10. The predetermined operation is, for example, an operation to launch a mini-app for the electronic flyer included in the payment application 20, or an operation of a button to display the list screen IF1 of electronic flyers.

[0034] When a user operates a specific electronic flyer on screen IF1 listing electronic flyers, content providing unit 120 causes screen IF2 of the operated electronic flyer to be displayed on the display unit. In this manner, when content providing unit 120 causes screen IF2 to be displayed in response to a user's operation, viewing determination unit 150 determines that the user has viewed the electronic flyer on screen IF2, and registers the time when the electronic flyer was viewed, the viewed electronic flyer ID, and the affiliated store ID (or shop ID) that created the electronic flyer in user information 182. Screen IF2 may be displayed on the display unit by payment application 20 without going through content providing unit 120.

[0035] The above list screen IF is an example of "contents of the list of electronic flyers." The operation of displaying the above screen IF2 is an example of "an operation of interest." For example, the operation of interest may be another operation instead of (in addition to) the above operation. For example, it may be any operation, such as an operation of enlarging an electronic flyer or an operation of downloading an electronic flyer.

[0036] 7 is a diagram showing an example of the contents of affiliated store / store information 186. The affiliated store / store information 186 includes, for example, a first table 186A in which an affiliated store ID and a store ID are associated with a store URL, a second table 186B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 186C in which a store ID is associated with a store name and an electronic flyer ID. In addition to this information, the affiliated store / store information 186 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0037] The electronic flyer can be created, for example, by the affiliated store or the store staff operating the second store terminal device 70. The electronic flyer may be different for each affiliated store, or different for each store.

[0038] Electronic flyers created by affiliated stores or shops are managed as flyer information 188. Fig. 8 is a diagram showing an example of the contents of flyer information 188. Flyer information 188 is information in which, for example, an affiliated store ID, a store ID, a posting period, a title of an electronic flyer, an image of an electronic flyer, and other information are associated with an electronic flyer ID. For example, one affiliated store or shop may create multiple types of electronic flyers.

[0039] The information management unit 140 manages user information 182 and affiliated store / store information 186 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, edits, deletes, etc. for the user information 182 and affiliated store / store information 186. The information management unit 140 also manages the created electronic flyer by assigning an electronic flyer ID to the electronic flyer ID and by associating various information with the electronic flyer ID.

[0040] [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 182 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.

[0041] 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.

[0042] The information processing unit 160 acquires flyer viewing information (viewing history information), which is a history of the user's viewing of electronic flyers of affiliated stores of the electronic payment service displayed on the display unit of the user terminal device 10, and payment history information of electronic payments made using the user's electronic payment service.

[0043] The statistical processing unit 170 derives an index relating to the utility of the flyer by using the flyer viewing information and the payment history information. The statistical processing unit 170 compares the viewing history information including the identification information of the user and the identification information of the affiliated store that created the electronic flyer, the payment history information including the identification information of the user and the identification information of the affiliated store, and the correspondence information (flyer information 188) that indicates the correspondence between the electronic flyer identification information and the identification information of the affiliated store stored in the storage unit 180, to identify users who have viewed an electronic flyer of a specific affiliated store and then made an electronic payment at the affiliated store, and derives an index relating to the utility of the flyer based on the identification result.

[0044] Indicators include, for example, various statistical information such as the number of views of an electronic flyer, indicators related to whether a user who viewed an electronic flyer made an electronic payment at the affiliated store or shop featured in the flyer, the frequency with which a user who viewed an electronic flyer used an affiliated store or shop, the number of times used, the average payment amount, and the total.

[0045] The statistical processing unit 170 generates, for example, statistical information 190. The statistical information 190 is displayed on the display unit of the second store terminal device 70 or a predetermined display unit. FIG. 9 is a diagram showing an example of the contents of the statistical information 190. The statistical information 190 is information in which information such as an image of an electronic flyer, a title, a member store ID, a store ID, a unique user view count, a unique user CVR (Conversion Rate), a user view count, and a user CVR is associated with an electronic flyer ID. The unique user view count is the number of times a unique user has viewed an electronic flyer in a predetermined period (even if the same user views the flyer multiple times, it is counted as "1"). The unique user CVR is an index indicating that a unique user has made an electronic payment at the member store or store that created the electronic flyer. The user view count is the number of times a user has viewed an electronic flyer in a predetermined period (if the same user views the flyer multiple times, the number of views is counted). The user CVR is an index indicating that a user has made an electronic payment at the member store or store that created the electronic flyer. Among the statistical information 190, the flyer ID, the affiliated store ID, or the store ID may be used, and other IDs may be omitted. The number of unique user views, the unique user CVR (Conversion Rate), the number of user views, or some or all of the user CVR are examples of "indices related to the utility of electronic flyers."

[0046] In FIG. 9, for example, the "●" indicator can be slid left and right. By sliding, for example, the order of electronic flyers to be preferentially or selectively displayed can be specified. For example, the sliding sets a lower limit for the number of views or CVR of the electronic flyers to be displayed. For example, electronic flyers with a higher number of views or CVR than the number corresponding to the position of the slid "●" are displayed on the display unit. Also, a function for specifying an upper limit in addition to a lower limit may be provided.

[0047] As described above, the payment server 100 can derive an index indicating the utility of an electronic flyer and display the derived index on the display unit. Furthermore, the payment server 100 can easily view a desired electronic flyer by specifying conditions. This makes it easy to recognize electronic flyers with high utility.

[0048] [Sequence diagram] FIG. 10 is a sequence diagram showing an example of the flow of processing executed by the payment application 20 and the payment server 100. First, the payment application 20 displays content related to electronic flyers on the display unit of the user terminal device 10 in response to a user's operation (S100). Next, when the user performs an operation to view a specific electronic flyer in the content, the payment application 20 enlarges and displays the focused electronic flyer in response to the above operation (S102). Next, the payment application 20 transmits viewing information indicating that the electronic flyer has been viewed to the payment server 100 (S104). The viewing information is, for example, the viewed flyer ID, information for identifying the user such as a user ID or an account ID, and information such as the time of viewing. Next, the viewing determination unit 150 generates flyer viewing information based on the viewing information (S106).

[0049] When a user makes an electronic payment using an electronic payment service, the payment server 100 acquires information on the electronic payment (S108). Next, the payment server 100 determines whether the user viewed an electronic flyer of the affiliated store where the electronic payment was made, and performs statistical processing (S110). Note that S108 and S110 may be executed at a predetermined timing.

[0050] As described above, the payment server 100 can derive an index related to the utility of an electronic flyer. In this embodiment, for example, it is possible to easily measure the effectiveness of an electronic flyer based on a performance value or an actual measurement value linked to a payment by using an index such as CVR.

[0051] [Variation 1] In the above example, the information of a plurality of affiliated stores is displayed on the display unit. However, instead of (in addition to) this, in the first modification, the information of an electronic flyer created by the store itself can be viewed. FIG. 11 is a diagram showing an example of information about an electronic flyer created by a specific store. This information is displayed on the display unit of the second store terminal device 70 via the affiliated store interface 72. FIG. 11 shows statistical information 190 for an electronic flyer created by store X (or an affiliated store) of a specific store ID. This statistical information 190 is displayed, for example, on the display unit of the second store terminal device 70. For example, electronic flyer 011 and electronic flyer 012 are electronic flyers created by store X with different contents. When these are provided to a user, the user's behavior regarding electronic payment is provided to store X as statistical information 190. For example, as described above, the number of times electronic flyer 011 and electronic flyer 012 have been viewed, the status of electronic payment at store X after viewing, the results of statistical processing of the results of electronic payment, and the like are provided. Store X can obtain the results of so-called AB testing of electronic flyers. For example, it is possible to derive indicators that show the effect after a customer views a flyer featuring one product, a flyer featuring multiple products, a flyer featuring high-priced products, or a flyer featuring low-priced products (e.g., number of views, CVR, payment amount, unit price per user, etc.).

[0052] For example, flyer ID "011" and flyer ID "012" are examples of identification information of different types of electronic flyers generated by a specific affiliated store (or a specific store). The index of flyer ID "011" is an example of a first index, and the index of flyer ID "012" is an example of a second index.

[0053] By confirming the effectiveness of the electronic flyers described above, Store X will be able to create better electronic flyers in the future.

[0054] Furthermore, the statistical processing unit 170 may provide the store with the results of tallying up the frequency (e.g., amount) of electronic payments made at the store of the electronic flyer after viewing the electronic flyer, by time, such as by day. FIG. 12 is a diagram showing the results of tallying up the frequency of electronic payments. FIG. 12 shows a graph showing the daily payment amounts of electronic payments made at store X that created electronic flyer A after viewing electronic flyer A, and a graph showing the daily payment amounts of electronic payments made at store X that created electronic flyer B after viewing electronic flyer B. Note that instead of the payment amount, the unit price of a user's electronic payment, the number of electronic payments, etc. may be used.

[0055] In this way, stores can easily understand the relationship between the viewing of electronic flyers and indicators such as payment amounts, and can therefore easily recognize the utility of electronic flyers.

[0056] [Variation 2] The statistical processing unit 170 may generate statistical information 190 taking into consideration the attributes of a user. The user's identification information in the user information 182 is associated with the attributes of the user. The statistical processing unit 170 derives a first index related to utility indicating the degree to which an electronic payment was made at a specified affiliated store after a first electronic flyer of the specified affiliated store was viewed, and further derives an index for each attribute of a user who made an electronic payment at a specified affiliated store after viewing the first electronic flyer of the specified affiliated store in the first index.

[0057] FIG. 13 is a diagram showing an example of statistical information 190 in which the attributes of a user are taken into consideration. The following mainly describes differences from FIG. 12. For example, the results of statistical processing of payment amounts of users with attribute A among users who made electronic payments at store X after viewing electronic flyer A may be provided to store X. The attributes are, for example, gender, age, occupation, address, location information history, electronic payment history, or a combination of these. The attributes can be selected by the store. The location information history is, for example, the location information history transmitted from the payment application 20. The attributes of the location information history are classified, for example, by places frequently visited by the user. The electronic payment history is, for example, the frequency of electronic payment by the user, the amount of electronic payment, the type of store where electronic payment is made, or a combination of these. The attributes of the electronic payment history are classified based on the above elements.

[0058] As shown in the figure, the payment amount of all users without taking attributes into account can be compared with the payment amount of users with specific attributes, so the store can easily recognize which users' attributes electronic flyer A is useful or not useful for.

[0059] In addition, the statistical processing unit 170 may derive a first index of utility indicating the degree to which an electronic payment was made at a specified affiliated store after the first electronic flyer of the specified affiliated store was viewed, and may further derive attributes of users for whom the degree to which an electronic payment was made at a specified affiliated store without viewing the first electronic flyer of the specified affiliated store is equal to or above a threshold, and attributes of users for whom the degree to which an electronic payment was made at a specified affiliated store after viewing the first electronic flyer of the specified affiliated store is equal to or above a threshold.

[0060] As described above, the payment server 100 takes into account the attributes of the user and causes the display unit to display the relationship between the utility of the electronic flyer and the attributes. This allows the user to easily recognize the utility of the electronic flyer for the attributes. Note that although FIG. 13 shows only attribute A, information on other attributes may also be displayed.

[0061] [Variation 3] The information processing system 1 may include one or both of the learning device 200 and the trained model 300 generated by the learning device 200. The trained model is, for example, a model that has learned learning data, and is trained to output a score equal to or greater than the threshold when an image of an electronic flyer in which an index indicating the utility of the learning data is equal to or greater than a threshold is input. The training data is data in which an image of an electronic flyer in which an index indicating utility is equal to or greater than a threshold is associated with a label indicating that the index is equal to or greater than the threshold. The information processing unit 160 may input an image of the created electronic flyer to the trained model, and evaluate the electronic flyer based on the score output by the trained model. The evaluation is to evaluate the utility of the electronic flyer.

[0062] FIG. 14 is a diagram showing an overview of a process in which the learning device 200 generates a trained model 300. The learning device 200 generates a trained model by using training data. The trained model is a machine learning model using a neural network or the like. The training data is information in which an image of a highly rated electronic flyer is associated with a label indicating the high evaluation. A high evaluation means, for example, satisfying a predetermined standard such as a high CVR. For example, when an image of a highly rated electronic flyer is input, the learning device 200 adjusts the parameters of the model to generate the trained model 300 so as to output a score indicating a high evaluation.

[0063] 15 is a diagram for explaining information input to the generated trained model and information output by the trained model. When an image of an electronic flyer generated by a store is transmitted via a network and the image of the electronic flyer is input, trained model 300 outputs a score indicating the result of evaluation of the input image of the electronic flyer. For example, an electronic flyer with a score equal to or greater than a threshold is an electronic flyer whose CVR is estimated to be equal to or greater than a threshold.

[0064] In this way, the learning device 200 generates the trained model 300, and the created electronic flyer can be evaluated in advance based on the evaluation output by the generated trained model 300.

[0065] [Variation 4] When a user views an electronic flyer and then makes an electronic payment at the store featured in the electronic flyer, the payment server 100 may cause the display unit of the second store terminal device 70 to display corresponding location information that associates the location of the store with map information.

[0066] FIG. 16 is a diagram showing an example of corresponding location information. The plot in the corresponding location information is the location of the store described above. When the payment server 100 specifies, for example, a time period or an area, the payment server 100 generates corresponding location information plotted at the location of the store that meets the specified conditions, and displays the information on the display unit. The display mode of the plot may be changed according to an index such as the number of electronic payments made or the amount of the payment. For example, the larger the index, the larger the circle of the plot may be displayed.

[0067] The payment server 100 may identify a user who has viewed a predetermined electronic flyer of a predetermined affiliated store having multiple stores and has made an electronic payment at a store included in the multiple stores corresponding to the predetermined electronic flyer, and may display on the display unit map information that associates the locations of the multiple stores stored in the storage unit 180 with the location of the store where the electronic payment was made and the map information. For example, the locations of the multiple stores may be displayed in a manner that makes them distinguishable from the location of the store where the electronic payment was made.

[0068] For example, when an affiliated store that has multiple stores, such as a convenience store, a restaurant, or a clothing store, provides a certain electronic flyer to users as an electronic flyer for multiple stores, the affiliated store can recognize which store's payment the electronic flyer was valid for by referring to the corresponding location information. For example, the affiliated store can intuitively recognize that the number of users who made an electronic payment at a store in area A after viewing the electronic flyer is greater than the number of users who made an electronic payment at a store in area B after viewing the electronic flyer.

[0069] Also, instead of (or in addition to) plotting the corresponding location information on map information, the corresponding location information may be an index obtained by aggregating, for each store, an index of users who have made an electronic payment after viewing an electronic flyer as a numerical value. For example, an index of a user who has made an electronic payment at a store in area A after viewing an electronic flyer and an index of a user who has made an electronic payment at a store in area B may be displayed so as to be comparable.

[0070] The payment server 100 may also display various information on the display unit using the location information of the user. For example, the display unit may display information plotted on map information of the location of the home or workplace of the user who has viewed an electronic flyer and then made an electronic payment at the store that created the electronic flyer. The location of the user's home or workplace is a location estimated based on the history of the user's location information acquired by the payment server 100 from the payment application 20. For example, the payment server 100 estimates location information at which the user has stayed for a long time in the history of location information as the location of the user's home or workplace. The home or workplace may be a location registered by the user. Instead of the map information, for example, a result of tallying up the location information of the user may be provided. The tallying up result is, for example, a result of tallying up users who have made an electronic payment at a store by the region to which the user belongs.

[0071] As described above, the payment server 100 provides the user's location information, making it easy to recognize the attributes of a user who makes an electronic payment at a store after viewing an electronic flyer, as well as the utility of the electronic flyer.

[0072] [Variation 4] The payment server 100 may display, in a ranking format, on the display unit, an index relating to electronic payments made after viewing an electronic flyer. FIG. 17 is a diagram showing an example of the ranking. For example, the total payment amount (payment amount of users who viewed an electronic flyer) for each affiliated store (for each shop) may be displayed in the ranking, or the unit price for each affiliated store may be displayed in the ranking. For example, a ranking according to conditions selected by an administrator may be displayed on the display unit. Also, a ranking of affiliated stores according to the degree of increase in payment amount after an electronic flyer is issued may be displayed. By displaying information relating to payments made at a store after viewing an electronic flyer in this ranking format, useful electronic flyers and affiliated stores (or stores) that create electronic flyers can be easily recognized.

[0073] As described above, the payment server 100 can display the desired indexes in a ranking format on the display unit, thereby improving the convenience for the user. For example, the user can analyze the effectiveness of an electronic flyer by referring to the ranking.

[0074] [Variation 5] In the above example, various processes are executed taking into consideration the fact that the electronic flyer has been viewed, but instead of (in addition to) this, the viewing mode of the electronic flyer may be taken into consideration. For example, the operation mode, such as the time when the user viewed the electronic flyer and information indicating whether the electronic flyer was enlarged, may be taken into consideration. The payment server 100, for example, cooperates with the payment application 20 to acquire the operation mode of the user. For example, the payment server 100 identifies the operation mode based on various information such as the content of the user's operation and the time when the operated screen was displayed.

[0075] For example, the statistical processing unit 170 categorizes the operation modes and derives an index for each categorized operation mode. This provides users with information such as the degree to which users with long browsing times make electronic payments and the degree to which users with short browsing times make electronic payments.

[0076] According to the embodiment described above, the payment server 100 identifies a user who, after viewing an electronic flyer with a specified electronic flyer identification information, made the electronic payment at an affiliated store corresponding to the specified electronic flyer identification information, and derives an index regarding the utility of the electronic flyer with the specified electronic flyer identification information based on the identification result, thereby being able to accurately derive information indicating the utility of the electronic flyer.

[0077] 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]

[0078] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Viewing Judgment Department 160 Information Processing Section 188 Flyer Information 190 Statistics

Claims

1. Browsing history information is a history of a user browsing electronic flyers of affiliated stores of the electronic payment service displayed on a display unit of the terminal device; An acquisition unit that acquires payment history information of electronic payments made by a user using an electronic payment service; comparing the browsing history information, including the identification information of the user and electronic flyer identification information for identifying the electronic flyer, the payment history information, including the identification information of the user and the identification information of the affiliated store, with correspondence information that indicates a correspondence relationship between the electronic flyer identification information and the identification information of the affiliated store, which is stored in a storage unit; a processing unit that identifies a user who has viewed an electronic flyer having a predetermined electronic flyer identification information and then made the electronic payment at an affiliated store corresponding to the predetermined electronic flyer identification information, and derives an index relating to the utility of the electronic flyer having the predetermined electronic flyer identification information based on a result of the identification; An information processing device comprising:

2. The electronic flyer is an electronic flyer to be viewed on a payment application used to use the electronic payment service. The information processing device according to claim 1 .

3. The electronic flyer is an electronic flyer that the payment app displays in the content of a list of electronic flyers. The information processing device according to claim 2 .

4. the processing unit determines that the electronic flyer has been viewed when an operation of focusing on the electronic flyer in the content of the list is performed to display the electronic flyer in a manner different from the manner in the list. The information processing device according to claim 3 .

5. The processing unit includes: By carrying out the matching, a first index related to the utility indicating a degree to which an electronic payment was made at a specific affiliated store after a first electronic flyer of the specific affiliated store was viewed; a second index related to the utility indicating a degree to which an electronic payment was made at the specified affiliated store after the second electronic flyer of the specified affiliated store was viewed; displaying the first index and the second index on a display unit so as to be comparable; The information processing device according to claim 1 .

6. The user's identification information is associated with an attribute of the user; The processing unit includes: deriving a first index related to the utility, which indicates a degree to which an electronic payment is made at a specific affiliated store after a first electronic flyer of the specific affiliated store is viewed; Furthermore, an index for each attribute of a user who has viewed a first electronic flyer of a specific member store in the first index and then made an electronic payment at the specific member store is derived. The information processing device according to claim 1 .

7. The user's identification information is associated with an attribute of the user; The processing unit includes: deriving a first index related to the utility, which indicates a degree to which an electronic payment is made at a specific affiliated store after a first electronic flyer of the specific affiliated store is viewed; Furthermore, the attribute of a user who has made an electronic payment at the specified member store to a degree equal to or greater than a threshold without viewing the first electronic flyer of the specified member store, and the attribute of a user who has made an electronic payment at the specified member store to a degree equal to or greater than a threshold after viewing the first electronic flyer of the specified member store are derived. The information processing device according to claim 1 .

8. A trained model is provided that is trained so as to output a score equal to or higher than a threshold when an image of an electronic flyer having an index indicating the utility of the training data equal to or higher than a threshold is input, the learning data is data in which an image of an electronic flyer having an index indicating the utility equal to or greater than a threshold is associated with a label indicating that the index is equal to or greater than the threshold, The trained model is a model trained with the training data. The information processing device according to claim 1 .

9. The processing unit inputs an image of the created electronic flyer into the trained model, and evaluates the electronic flyer based on a score output by the trained model. The information processing device according to claim 8.

10. The processing unit includes: Identifying a user who, after viewing an electronic flyer having a predetermined electronic flyer identification information of a predetermined affiliated store having a plurality of stores, has made the electronic payment at a store included in the plurality of stores corresponding to the predetermined electronic flyer identification information; displaying on a display unit map information associating the locations of the plurality of stores stored in a storage unit, the location of the store where the electronic payment was made, and map information; The information processing device according to claim 1 .

11. The computer Browsing history information is a history of a user browsing electronic flyers of affiliated stores of the electronic payment service displayed on a display unit of the terminal device; Acquire payment history information of electronic payments made using the user's electronic payment service, comparing the browsing history information, including the identification information of the user and electronic flyer identification information for identifying the electronic flyer, the payment history information, including the identification information of the user and the identification information of the affiliated store, with correspondence information that indicates a correspondence relationship between the electronic flyer identification information and the identification information of the affiliated store, which is stored in a storage unit; identifying a user who has viewed an electronic flyer having a predetermined electronic flyer identification information and then made an electronic payment at an affiliated store corresponding to the predetermined electronic flyer identification information, and deriving an index relating to the utility of the electronic flyer having the predetermined electronic flyer identification information based on a result of the identification; Information processing methods.

12. On the computer, Browsing history information is a history of a user browsing electronic flyers of affiliated stores of the electronic payment service displayed on a display unit of the terminal device; Acquire payment history information of electronic payments made using the user's electronic payment service; comparing the browsing history information, including the identification information of the user and electronic flyer identification information for identifying the electronic flyer, the payment history information, including the identification information of the user and the identification information of the affiliated store, with correspondence information that indicates a correspondence relationship between the electronic flyer identification information and the identification information of the affiliated store, which is stored in a storage unit; identifying a user who has viewed an electronic flyer having a predetermined electronic flyer identification information and then made the electronic payment at an affiliated store corresponding to the predetermined electronic flyer identification information, and deriving an index relating to the utility of the electronic flyer having the predetermined electronic flyer identification information based on a result of the identification; program.

13. An information processing system including a payment application and an information processing device, The payment application transmits a payment instruction including an identification of the merchant and an amount of the electronic payment; The information processing device includes: Browsing history information is a history of a user browsing electronic flyers of affiliated stores of the electronic payment service displayed on a display unit of the terminal device; Acquire payment history information of electronic payments made using the user's electronic payment service in response to a payment instruction transmitted from the payment application; and comparing the browsing history information, including the identification information of the user and electronic flyer identification information for identifying the electronic flyer, the payment history information, including the identification information of the user and the identification information of the affiliated store, with correspondence information that indicates a correspondence relationship between the electronic flyer identification information and the identification information of the affiliated store, which is stored in a storage unit; identifying a user who has viewed an electronic flyer having a predetermined electronic flyer identification information and then made an electronic payment at an affiliated store corresponding to the predetermined electronic flyer identification information, and deriving an index relating to the utility of the electronic flyer having the predetermined electronic flyer identification information based on a result of the identification; Information processing system.

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