Information processing device, information processing method, and program

Abstract

To assist in the use of an electronic payment service by considering user information.SOLUTION: An information processing device comprises: a reception unit that receives a first input sentence related to an electronic payment service, which is input via a user terminal device of a user; an acquisition unit that inputs a second input sentence into an AI chatbot so as to acquire a response corresponding to the second input sentence, where the second input sentence includes at least the first input sentence and a history of use of the electronic payment service by the user, and where the AI chatbot is trained to receive an input of a natural sentence and output a response corresponding to the natural sentence; and a display control unit that causes the user terminal device to display the response corresponding to the second input sentence.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] Conventionally, there is known a technology that utilizes a chatbot to assist users in purchasing products. For example, Patent Document 1 discloses a technology that searches for consultation products corresponding to a user request, executes a payment process for the consultation product selected from the search results, and causes the chatbot to display related information related to the consultation product for which payment has been completed on the user's terminal device. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Special Publication No. 2023-502609 Summary of the Invention [Problem to be solved by the invention]

[0004] However, chatbots in the prior art often only provide simple functions such as simply notifying users of information or presenting answers according to options entered by users. In other words, chatbots in the prior art do not take into account users' information and do not assist in the use of electronic payment services without accepting options.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that can assist in the use of electronic payment services by taking into account user information. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device comprising: a reception unit that receives a first input sentence related to an electronic payment service input via a user's user terminal device; an acquisition unit that acquires an answer corresponding to the second input sentence by inputting a second input sentence including at least the first input sentence and the user's usage history of the electronic payment service to an AI chatbot that is trained to output an answer corresponding to the natural sentence when a natural sentence is input; and a display control unit that displays the answer corresponding to the second input sentence on the user terminal device. 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, and a program that can assist in the use of electronic payment services by taking into account user information. [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 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 13 is a diagram showing an example of the contents of coupon information 178. [Figure 8] FIG. 13 is a diagram showing an example of a top screen IM of a payment application 20. [Figure 9] FIG. 1 is a diagram showing an example of a method for using a coupon by a user terminal device 10. [Figure 10]A sequence diagram showing an example of the flow of a chat function realized by cooperation between a payment application 20, a payment server 100, and an AI chatbot server 200. [Figure 11] FIG. 13 is a diagram showing an example of a second input sentence generated by an acquisition unit 140B in response to input of a first input sentence. [Figure 12] FIG. 11 is a diagram showing an example of a response generated by the AI ​​chatbot server 200 in response to input of the second input sentence. [Figure 13] FIG. 13 is a diagram showing another example of a second input sentence generated by an acquisition unit 140B in response to input of a first input sentence. [Figure 14] FIG. 13 is a diagram showing another example of a response generated by the AI ​​chatbot server 200 in response to input of the second input sentence. [Figure 15] FIG. 13 is a diagram showing another example of a second input sentence generated by an acquisition unit 140B in response to input of a first input sentence. [Figure 16] FIG. 13 is a diagram showing another example of a response generated by the AI ​​chatbot server 200 in response to input of the second input sentence. [Figure 17] FIG. 11 is a diagram showing an example of classification of a first input sentence by the payment server 100 and generation of a second input sentence according to a classification result. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0010] [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, one or more second store terminal devices 70, and an AI chatbot server 200 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.

[0011] 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.

[0012] 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).

[0013] 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.

[0014] 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.

[0015] The AI ​​chatbot server 200 periodically obtains information from information sources 300 such as internet sites by crawling, and when natural language is input, it provides an AI chatbot that has been trained to create various responses based on common sense in response to the natural language. AI chatbots are known by names such as ChatGPT and Marvin.

[0016] 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.

[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 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.

[0018] 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).

[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, 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.

[0020] [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 payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (storage device having a non-transient storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device. The information management unit 140 further includes a reception unit 140A, an acquisition unit 140B, and a display control unit 140C, the functions of which will be described in detail later. The function of the information management unit 140 in the payment server 100 is an example of an "information processing device."

[0021] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, affiliated store / shop information 176, coupon information 178, and API information 180.

[0022] 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.

[0023] The payment 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 payment content providing unit 120 appropriately reads necessary content from the payment content information 174 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.

[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] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is associated with information such as a user URL, an account ID, a telephone number, a password, an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information (including, for example, a payment date and time, a payment amount, an affiliated store ID and a store ID where a payment was made), a followed affiliated store, an acquired coupon, and an owned point. The user URL is used for a remittance process between users. When registering for a new 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, the name, the address, and the 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 with the electronic payment service (the date on which the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as the account.

[0026] 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 increasing the charge balance by transferring funds to the electronic payment service in advance. The payment history information is information that shows the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). Details of followed affiliated stores, acquired coupons, and held points will be described later.

[0027] 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, a store ID, and a category 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 and a store address.

[0028] FIG. 7 is a diagram showing an example of the contents of coupon information 178. Coupon information 178 is information in which, for example, coupon ID, affiliated store ID, shop ID, benefit content, terms of use, expiration date, and other information are associated. Benefit content is information indicating the content of the benefit provided by the coupon corresponding to the coupon ID. For example, a coupon with coupon ID "0001" means that a user can receive a 5% rebate from the payment amount by using the coupon. Terms of use are information indicating the conditions under which the coupon can be used at the time of payment. For example, a coupon with coupon ID "0001" means that a user can use the coupon for payments of 300 yen or more. Expiration date is information indicating the deadline by which the coupon can be used.

[0029] The information management unit 140 manages user information 172, affiliated store / store information 176, and coupon information 178 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 172, affiliated store / store information 176, and coupon information 178.

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

[0031] 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.

[0032] [Top page] FIG. 8 is a diagram showing an example of the top screen IM of the payment application 20. The top screen IM displays a code image CD. The code image CD includes, for example, a barcode and a QR code. In addition, together with the code image CD, text (in the figure, "Pay with balance") is displayed indicating whether to perform electronic payment using the charge balance or to perform electronic payment by deferred payment. This text is drawn by the payment application 20 based on information updated by the payment application 20 every time the changeover switch SW is operated. The top screen IM also includes an operation area CA including the changeover switch SW, and a transition button TB. This will be described later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with a touch panel. The changeover switch SW accepts an operation to switch between performing electronic payment using the charge balance or to perform electronic payment by deferred payment. The changeover switch SW is set to perform electronic payment using the charge balance by default, and every time the changeover switch SW is operated by the user, the setting is switched between performing electronic payment using the charge balance and performing electronic payment by deferred payment. In the figure, the explanation "Postpaid" is displayed, which means that the setting is for postpaid electronic payment. The operation area CA has buttons for instructing the main operations in electronic payment, such as a button for scanning (starting a user scan) and a button for charging. When the transition button TB is operated, the screen transitions to a payment screen that displays the code image used for electronic payment and the available balance. Furthermore, when the wallet button WA is operated, the screen transitions to a payment history display screen that displays a chronological list of the user's electronic payment history information.

[0033] [Use coupon] Fig. 9 is a diagram showing an example of how a coupon can be used by the user terminal device 10. The screen on the left side of Fig. 9 represents a screen displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of an affiliated store of an electronic payment service via the payment application 20 of the user terminal device 10. This screen is displayed, for example, when the user clicks the coupon button CP on the top screen IM of Fig. 7 and searches for a store that offers a coupon.

[0034] The affiliated store dedicated page includes, for example, an area A1 in which summary information of the affiliated store is displayed, a button B1 for following the affiliated store, and an area A2 in which detailed information of the affiliated store is displayed switchably by tabs. When the user presses the follow button B1, the payment application 20 transmits information indicating that the follow button B1 has been pressed together with the user's identification information (e.g., account ID) to the payment server 100, and the information management unit 140 stores the identification information of the affiliated store (e.g., affiliated store ID) in "followed affiliated store" of the user information 172. As a result, for example, every time the affiliated store updates the content of the affiliated store dedicated page, the payment server 100 notifies the user via the payment application 20 that the content of the affiliated store dedicated page has been updated.

[0035] 9, for example, when the user taps on "Coupon," a tab included in area A2, coupons that the user can currently use for electronic payment at the store are displayed. When the user, for example, follows an affiliated store and presses button B2 for acquiring a coupon, the payment application 20 transmits information indicating that the Acquire button B2 has been pressed together with the user's identification information (e.g., account ID) to the payment server 100, and the information management unit 140 stores the identification information of the coupon acquired by the user in "Acquired coupon" of the user information 172.

[0036] After the user acquires a coupon, when the user terminal device 10 executes an electronic payment, the payment processing unit 130 refers to the coupon information 178 and determines whether the electronic payment matches the usage conditions of the coupon acquired by the user, and if it is determined that the electronic payment matches the usage conditions of the coupon, it grants the user a benefit according to the coupon content. For example, in the case of coupon ID "C0001" in the coupon information 178 shown in Fig. 7, the payment processing unit 130 determines whether the payment amount of the user is 300 yen or more, and if it is determined that the usage conditions are met, it grants points equivalent to 5% of the payment amount.

[0037] Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 displaying the payment store, an area A4 displaying the payment amount, and an area A5 displaying the granted benefit. The right part of FIG. 8 shows, as an example, a case where 25 yen points are granted for a payment of 500 yen in response to the user acquiring a 5% off coupon. In this case, the information management unit 140 stores the 25 yen worth of points in the "owned points" of the user information 172, and the payment processing unit 130 preferentially subtracts the owned points from the payment amount in the user's next electronic payment, and subtracts the remaining amount from the charge balance or the available amount for later payment. In another embodiment, the coupon may be subtracted directly from the payment amount on the day without being added as points available for payment.

[0038] [AI Chatbot Server] In this way, the user can operate the wallet button WA on the payment application 20 to check the electronic payment history information, or operate the coupon button CP to search for stores that offer coupons and obtain the searched coupons. However, in the conventional technology, the electronic payment history information is generally displayed in chronological order, and it may be difficult for the user to grasp information that is useful to the user from the information. Furthermore, in the conventional technology, the user is generally required to search for coupons by inputting various keywords (store names, place names, etc.) on the coupon search screen, and it may be difficult for the user to identify coupons that are useful to the user.

[0039] In light of this situation, the information management unit 140 (reception unit 140A, acquisition unit 140B, display control unit 140C) of the payment server 100 according to this embodiment cooperates with the AI ​​chatbot server 200 to provide the payment application 20 with a chat function with the AI ​​chatbot server 200, making it possible to provide information useful to the user through chat with the user. Details of the chat function are described below.

[0040] FIG. 10 is a sequence diagram showing an example of the flow of the chat function realized by the cooperation of the payment application 20, the payment server 100, and the AI ​​chatbot server 200. First, the payment application 20 accepts an operation of the chat button CH for starting the chat function on the top screen IM shown in FIG. 8, for example (S31). In response to this, the payment application 20 displays a chat screen, and when it accepts an input sentence from the user, it transmits the accepted input sentence to the payment server 100 as a first input sentence (S32). When the reception unit 140A accepts the first input sentence, the acquisition unit 140B generates a second input sentence by including at least the payment history information of the user acquired from the user information 172 in the first input sentence (S33). Next, the acquisition unit 140B transmits the generated second input sentence to the AI ​​chatbot server 200 (S34).

[0041] When the AI ​​chatbot server 200 receives the second input sentence, it generates a response according to the received second input sentence (S35) and transmits the generated response to the payment server 100 (S36). When the acquisition unit 140B acquires the response, the display control unit 140C determines an interface element to be transmitted to the payment application 20 together with the response according to the response. For example, when the response includes information indicating a coupon for an electronic payment service (e.g., a coupon ID), the display control unit 140C determines a button for acquiring the coupon (which may be the same as the button B2 shown in FIG. 9) as an interface element to be transmitted to the payment application 20 (S37). The display control unit 140C transmits the response received from the AI ​​chatbot server 200 and the determined interface element to the payment application 20 (S38). The payment application 20 displays the received response and interface element on the chat screen (S39). This ends the processing of this sequence diagram.

[0042] [Examples of input sentences and answer generation] Below, with reference to Figures 11 to 16, we will explain specific examples of a second input sentence generated by the acquisition unit 140B in response to the input of a first input sentence, and an answer generated by the AI ​​chatbot server 200 in response to the input of the second input sentence.

[0043] FIG. 11 is a diagram showing an example of a second input sentence generated by the acquisition unit 140B in response to the input of a first input sentence. FIG. 11 shows a configuration in which the acquisition unit 140B generates a second input sentence by adding the payment history information of the user to the first input sentence received from the user. As shown in FIG. 11, when the acquisition unit 140B receives a first input sentence ("What have I often spent money on in the past month?") from a user, the acquisition unit 140B generates a second input sentence based on the received first input sentence, the second input sentence including an instruction information area AR_I for instructing the AI ​​chatbot server 200 on a role to improve the accuracy of the answer, a payment history information area AR_H showing details of the payment history information, and a question area AR_Q showing details of the first input sentence received from the user. In this way, the acquisition unit 140B does not pass the first input sentence received from the user to the AI ​​chatbot server 200 as it is, but generates and transmits the second input sentence by adding instruction information and payment history information for improving the accuracy of the answer by the AI ​​chatbot server 200. In FIG. 11, as an example, the acquisition unit 140B includes information such as the payment date and time, payment amount, affiliated store name, store name, and category as the payment history information area AR_H, but other information (e.g., store address) may also be included, or some of the information shown may be excluded.

[0044] FIG. 12 is a diagram showing an example of a response generated by the AI ​​chatbot server 200 in response to the input of the second input sentence. FIG. 12 shows, as an example, a response obtained by the acquisition unit 140B inputting the second input sentence generated in FIG. 11 to the AI ​​chatbot server 200. Since the input second input sentence includes information such as the date and time of payment, the payment amount, and the category as payment history information, the AI ​​chatbot server 200 can, for example, tally up the categories with the largest payment amounts among the payments made in the past month based on this information and present them as an answer to the user's question. As described above, in the conventional technology, it was sometimes difficult for the user to grasp useful information from the payment history information in the electronic payment service, but according to this embodiment, the information management unit 140 processes the first input sentence input by the user into a format that can extract useful information from the AI ​​chatbot server 200, generates a second input sentence, and makes an inquiry to the AI ​​chatbot server 200. That is, this makes it possible to assist the use of the electronic payment service in consideration of the user's information.

[0045] In the above example, the user's payment history information is given as information to be included in advance in the second input sentence, however, the present invention is not limited to such a configuration, and more generally, any information about the user (e.g., gender, address, date of birth, etc.) may be included in the second input sentence to generate it.

[0046] FIG. 13 is a diagram showing another example of a second input sentence generated by the acquisition unit 140B in response to the input of the first input sentence. FIG. 13 shows a configuration in which the acquisition unit 140B generates a second input sentence by including the payment history information of the user and API information 180 in the first input sentence received from the user. Here, the API information 180 means a program code for calling a function of the payment server 100 from outside the payment server 100 via the network NW, that is, an API (Application Programming Interface). The API information 180 includes, for example, a function for acquiring records of the affiliated store / store information 176 and the coupon information 178 stored in the storage unit 170. In this embodiment, as described above, the acquisition unit 140B acquires the payment history information of the user in advance and includes it in the second input sentence. Alternatively, the API information 180 may include a function for acquiring a record of the user information 172, and the acquisition unit 140B may include the function in the second input sentence.

[0047] As shown in FIG. 13, when the acquisition unit 140B receives a first input sentence ("How can I save money on my daily expenses?") from a user, for example, the acquisition unit 140B generates a second input sentence based on the received first input sentence, including an instruction information area AR_I for instructing the AI ​​chatbot server 200 on a role to improve the accuracy of the answer, a payment history information area AR_H showing details of the payment history information, an API area AR_C showing an API for calling the function of the payment server 100, and a question area AR_Q showing details of the first input sentence received from the user. FIG. 13 shows an example in which the API area AR_C includes a function for acquiring a record of coupon information 178 of an electronic payment service and a function for acquiring a record of affiliated store / store information 176 of the electronic payment service. As a result, the AI ​​chatbot server 200 can utilize the provided API in the process of generating an answer to access the coupon information 178 and affiliated store / store information 176 and acquire the necessary information. In this way, by providing the AI ​​chatbot server 200 with an API rather than detailed information, the acquisition unit 140B can prevent communication from the payment server 100 to the AI ​​chatbot server 200 from being congested due to a large number of users using the chat function.

[0048] FIG. 14 is a diagram showing another example of a response generated by the AI ​​chatbot server 200 in response to the input of the second input sentence. FIG. 14 shows, as an example, a response obtained by the acquisition unit 140B inputting the second input sentence generated in FIG. 13 to the AI ​​chatbot server 200. The input second input sentence includes, as an API, a function for acquiring a record of coupon information 178 of the electronic payment service and a function for acquiring a record of affiliated store / store information 176 of the electronic payment service. Therefore, the AI ​​chatbot server 200 can use the payment history information and these functions to present, as a response to a user's question, information about stores that issue coupons among the stores that the user regularly uses.

[0049] In FIG. 14, the payment application 20 not only presents coupon information, but also displays a button B2 (which may be the same as the button B2 shown in FIG. 9) for obtaining a coupon. When information indicating a coupon for an electronic payment service (e.g., a coupon ID) is included from the AI ​​chatbot server 200, the display control unit 140C controls the payment application 20 to display the button B2 for obtaining a coupon. In this way, in the conventional technology, when a user searches for a coupon in an electronic payment service, the user needs to search for the coupon by inputting various keywords from the coupon search screen. However, according to the present embodiment, the information management unit 140 processes the first input sentence input by the user into a format that can extract useful information from the AI ​​chatbot server 200 to generate a second input sentence, and makes an inquiry to the AI ​​chatbot server 200, while displaying the answer received from the AI ​​chatbot server 200 in a format that is convenient for the user. This makes it possible to promote the use of functions such as coupons in electronic payment services, taking into account the user's information.

[0050] Fig. 15 is a diagram showing another example of a second input sentence generated by the acquisition unit 140B in response to the input of a first input sentence. Fig. 15 shows a configuration in which the acquisition unit 140B generates a second input sentence by including the payment history information of the user, API information 180, and real-time information in the first input sentence received from the user. Here, the real-time information is, for example, information indicating the real-time current location of the user, and is measured using a positioning function such as a GPS mounted on the user terminal device 10.

[0051] As shown in FIG. 15, when the acquisition unit 140B receives, for example, a first input sentence ("Please tell me about coupons for stores that I can use right now") from a user, it generates a second input sentence based on the received first input sentence, including an instruction information area AR_I for instructing the AI ​​chatbot server 200 on a role to improve the accuracy of the answer, a payment history information area AR_H showing details of the payment history information, an API area AR_C showing an API for calling the functions of the payment server 100, a real-time information area AR_R showing the current location of the user terminal device 10, and a question area AR_Q showing details of the first input sentence received from the user terminal device 10.

[0052] Fig. 16 is a diagram showing another example of an answer generated by the AI ​​chatbot server 200 in response to the input of the second input sentence. Fig. 16 shows, as an example, an answer obtained by the acquisition unit 140B inputting the second input sentence generated in Fig. 15 to the AI ​​chatbot server 200. Since the input second input sentence includes real-time information indicating the current location of the user terminal device 10, the AI ​​chatbot server 200 can use the API information and the real-time information to present, for example, information about stores offering coupons in the vicinity of the user as an answer to the user's question.

[0053] Furthermore, as shown in the right part of Fig. 16, if the user further asks a question ("Which of those coupons are you likely to use?"), the AI ​​chatbot server 200 can use the payment history information to present information from previous answers about stores where the user has used electronic payment in the past and stores that offer coupons according to categories as an answer. In this way, by providing the AI ​​chatbot server 200 with real-time information about the user, the acquisition unit 140B can assist in the use of electronic payment services by taking the user's information into further detail by providing the AI ​​chatbot server 200 with information about the user.

[0054] [Variations in generating the second input sentence] As described above with reference to Figures 11 to 16, the acquisition unit 140B of the payment server 100 generates a second input sentence by including at least the user's payment history information in the first input sentence, and inputs the generated second input sentence to the AI ​​chatbot server 200. In general, the acquisition unit 140B always adds both API information and real-time information in addition to the payment history information to generate the second input sentence, allowing the AI ​​chatbot server 200 to answer all of the patterns of questions described above.

[0055] In another embodiment, the acquisition unit 140B may classify the first input sentence received from the user terminal device 10 in advance, generate a second input sentence according to the classification result, and input the second input sentence to the AI ​​chatbot server 200. FIG. 17 is a diagram showing an example of classification of the first input sentence by the payment server 100 and generation of the second input sentence according to the classification result. As shown in FIG. 17, the acquisition unit 140B includes, for example, a classifier CL, and the classifier CL is a trained model trained in advance to classify the type of the first input sentence according to the input of the first input sentence. For example, in response to the input of a first input sentence, the classifier CL outputs a probability value indicating whether the first input sentence corresponds to a type of "analysis request" (corresponding to "What have I often spent money on in the past month?" in FIG. 11) indicating that the user has requested a current situation analysis, a type of "general proposal request" (corresponding to "How can I save money on my usual expenses?" in FIG. 13) indicating that the user has requested a non-real-time proposal, or a type of "real-time proposal request" (corresponding to "Tell me about store coupons that I can use right now" in FIG. 15) indicating that the user has requested a real-time proposal. The acquisition unit 140B generates a second input sentence in a format corresponding to the type of the highest probability value among the output probability values. For example, when "What have I often spent money on in the past month?" is input as the first input sentence, the classifier CL outputs the probability value of the type "analysis request" as the highest value, and as a result, the acquisition unit 140B transmits the second input sentence to the AI ​​chatbot server 200, including only the first input sentence and the history information. With this configuration, it is possible to improve processing efficiency and response accuracy without providing unnecessary information to the AI ​​chatbot server 200.

[0056] The above configuration of the classifier CL is merely an example, and the classifier CL may include, for example, a type "function help request" indicating a general question (such as how to use) about an electronic payment service, a type "N / A" indicating that classification is impossible, etc. In this case, when the acquisition unit 140B determines that the first input sentence corresponds to the type "function help request", it may send the first input sentence as it is to the AI ​​chatbot server 200 without including individual information about the user in the second input sentence, or when the acquisition unit 140B determines that the first input sentence corresponds to the type "N / A", it may send the second input sentence to the AI ​​chatbot server 200 including all information about the electronic payment service (payment history information, API information, real-time information, URL information to the website of the electronic payment service) in the second input sentence.

[0057] According to the embodiment described above, a first input sentence related to an electronic payment service is accepted, which is input via a user's user terminal device, and a second input sentence including at least the first input sentence and the user's usage history of the electronic payment service is input to an AI chatbot that has been trained to output a response corresponding to the natural sentence when natural sentence is input, thereby obtaining a response corresponding to the second input sentence, and displaying the response corresponding to the second input sentence on the user terminal device. As a result,

[0058] 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]

[0059] 10 User terminal device 20. Payment App 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 140A Reception 140B Acquisition Department 140C Display control unit 170 Storage section

Claims

1. a reception unit that receives a first input sentence related to an electronic payment service inputted via a user terminal device of a user; an acquisition unit that acquires a response corresponding to the second input sentence by inputting a second input sentence, the second input sentence including at least the first input sentence and the user's usage history of the electronic payment service, to an AI chatbot that is trained to output a response corresponding to the natural sentence when the natural sentence is input; a display control unit that causes the user terminal device to display an answer corresponding to the second input sentence, Information processing device.

2. The acquisition unit inputs a second input sentence, which includes the first input sentence, the user's usage history of the electronic payment service, and a program code for calling a function of the electronic payment service, to the AI ​​chatbot, thereby acquiring an answer corresponding to the second input sentence. The information processing device according to claim 1 .

3. The acquisition unit inputs the first input sentence, a second input sentence including the user's usage history of the electronic payment service and real-time information of the user to the AI ​​chatbot, thereby acquiring an answer corresponding to the second input sentence. The information processing device according to claim 1 .

4. When the answer includes information about a function available in the electronic payment service, the display control unit causes the user terminal device to display an interface element for using the function together with the answer. The information processing device according to claim 1 .

5. The computer accepting a first input sentence relating to an electronic payment service inputted via a user terminal device of a user; a second input sentence including at least the first input sentence and the user's usage history of the electronic payment service is input to an AI chatbot that is trained to output a response corresponding to a natural sentence when the natural sentence is input, thereby obtaining a response corresponding to the second input sentence; causing the user terminal device to display an answer corresponding to the second input sentence; Information processing methods.

6. On the computer, accepting a first input sentence relating to an electronic payment service inputted via a user terminal device of a user; a second input sentence including at least the first input sentence and the user's usage history of the electronic payment service is input to an AI chatbot that has been trained to output a response corresponding to a natural sentence when the natural sentence is input, thereby obtaining a response corresponding to the second input sentence; causing the user terminal device to display an answer corresponding to the second input sentence; program.

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