Information processing device, information processing method and program

Abstract

To support activities of users for saving necessary expenses to achieve goals.SOLUTION: An information processing device, the device cooperating with an application program running on a terminal device of a user to support an activity necessary for achieving a goal of the user, comprises: a goal management part for receiving input of information relating to the goal and managing the input information as goal management information for every user; and a support information provision part for providing the user with support information for supporting achievement of the goal, where the goal management information includes at least an amount of expenses necessary for achieving the goal, a period until the goal is achieved, first information representing an economic situation of the user, and second information relating to a future plan of the user. The support information provision part generates the support information to be presented to the user based on the goal management information.SELECTED DRAWING: Figure 4

Description

[Technical field]

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

[0002] Conventionally, a technology has been developed to provide users with electronic payment services by cooperation between an application program running on a user's terminal device and a payment server (see, for example, Patent Document 1). With such electronic payment services, users can make payments using the balance of electronic money charged to an electronic payment account (a so-called wallet), a credit card, or deferred payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-087934 A Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technology can provide users with the means to make payments when purchasing goods, but cannot support activities to help users save the money necessary to achieve their goals.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can support activities for users to save the funds necessary to achieve their goals. [Means for solving the problem]

[0006] One aspect of the present invention is an apparatus that cooperates with an application program running on a user's terminal device to support activities necessary for the realization of the user's goals, and includes a goal management unit that accepts input of information regarding the goal and manages the input information as goal management information for each user, and a support information providing unit that provides the user with support information to support the realization of the goal, wherein the goal management information includes at least the amount of money required to achieve the goal, the time required to achieve the goal, first information indicating the user's economic situation, and second information regarding the user's future plans, and the support information providing unit is an information processing device that generates the support information to be presented to the user based on the goal management information. 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 support an activity for a user to save the money required to achieve a goal. [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 a goal list screen. [Figure 8] FIG. 13 is a diagram showing an example of a goal details screen. [Figure 9] FIG. 13 illustrates an example of an account management screen. [Figure 10] FIG. 13 is a diagram showing an example of a method for creating support information using AI. [Figure 11] FIG. 11 is a diagram (part 1) showing an example of support information that presents the degree of achievement of a plan for realizing a "dream." [Figure 12] FIG. 2 is a diagram (part 2) showing an example of support information that presents the degree of achievement of a plan for realizing a "dream." [Figure 13] FIG. 13 is a diagram showing an example of support information that presents information regarding reviewing plans for realizing a "dream." 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 that can support a user's economic planning for realizing a product purchase according to the present invention will be described. Various devices for providing services to users and performing internal analysis, such as a "server," "management device," and "information providing device" that will appear below, may be realized by a group of distributed devices, and each device may be operated by a different business. 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 products 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, a process such as a settlement may be performed between a user and a store. Hereinafter, a case where the information processing device of the present invention is configured as the settlement server will be described, but the information processing device may be configured as a device separate from the settlement server.

[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, 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.

[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] 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.

[0016] 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.

[0017] 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).

[0018] 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.

[0019] [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, a goal management unit 150, a support information providing unit 160, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0020] 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, and affiliated store / shop information 176.

[0021] 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.

[0022] 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.

[0023] 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.

[0024] 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, 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, a charge history information, and a payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0025] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates 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.).

[0026] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0027] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0028] The goal management unit 150 performs processing for managing goals (hereinafter also referred to as "dreams") that the user wishes to achieve. Here, a "dream" may be any goal that requires funds to be realized. In other words, a "dream" may be the purpose for which the above-mentioned funds are raised. For example, a "dream" may be the purchase of a specific product, or the preparation of funds for carrying out a specific activity.

[0029] More specifically, the goal management unit 150 accepts the setting of the "dream" (for example, the amount of funds required and the deadline for the goal to be realized, etc.) and manages it as goal management information 178. A user interface for setting the "dream" is provided by, for example, the payment application 20. In addition, the goal management unit 150 may calculate the current achievement level of the "dream" and the timing when the "dream" will be realized at the current activity pace based on the user's activity record toward the realization of the "dream". These pieces of information may also be managed as part of the goal management information 178. The goal management information 178 may be provided to the user as part of the support information described later. The goal management information 178 is managed for each user. It is assumed that the goal management unit 150 appropriately collects and accumulates information required for calculating the current achievement level of the "dream" and the timing when the "dream" will be realized at the current activity pace, etc. (for example, a savings plan selected / set by the user based on the support information described later, and the user's activity record based on the savings plan, etc.). This information may also be included in and managed by the goal management information 178.

[0030] The support information providing unit 160 provides the user with information (hereinafter referred to as "support information") for supporting the realization of the "dream" managed by the goal management unit 150. More specifically, the support information providing unit 160 provides information for supporting an economic plan for the realization of the "dream" as support information. For example, the support information is a saving plan or a savings plan. The support information may include a spending plan. A user interface for providing the support information to the user is provided by, for example, the payment application 20.

[0031] Hereinafter, a service in which the goal management unit 150 and the support information providing unit 160 provide a support function for helping a user realize a "dream" is referred to as a "dream realization support service." The function of the dream realization support service does not necessarily need to be implemented in the payment application 20, and an application program providing the function of the dream realization support service may be provided separately from the payment application 20. The application program providing the function of the dream realization support service may be configured as a so-called mini-app in the payment application 20.

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

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

[0034] [Setting goals ('dreams')] 7 to 9 are diagrams showing an example of a screen related to the setting of a "dream". For example, FIG. 7 shows a goal setting screen IM1 as an example of a screen that accepts a setting operation of a "dream" that the user wants to realize. In the example of the goal setting screen IM1 in FIG. 7, a first goal (buying a car) DM11, a second goal (saving for wedding expenses) DM12, a third goal (buying a home) DM13, a fourth goal (saving for travel expenses) DM14, and a fifth goal (saving for college tuition) DM15 are displayed as options for "dream". By selecting one of the options, the user can display a detailed screen of the selected "dream". The detailed screen may be configured to display the setting contents and accept a change operation of the setting contents. In addition, a button BT16 is arranged in the goal setting screen IM1 to accept a setting operation of a "dream" other than the first to fifth goals.

[0035] FIG. 8 shows a first goal detail screen IM2 as an example of a goal detail screen. The detail screen IM2 in the example of FIG. 8 includes an input interface IF21 that accepts an input operation of the time when the goal is to be realized, an input interface IF22 that accepts an input operation of the brand of the car to be purchased, a button interface IF23 (used car: Fairly Used Car) and IF24 (new car: New Car) that accept an operation of selecting a used car or a new car, a user interface IF25 that accepts an input operation of the time when the purchase is planned, and a button interface IF26 that accepts an operation of requesting the provision of support information under specified conditions. The user can display support information analyzed under specified conditions for the realization of the first goal by inputting or selecting necessary information through the various interfaces IF21 to IF25 and operating the button interface IF26. At this time, the payment server 100 acquires various information input to the detail screen IM2 from the payment application 20 in response to the operation of the button interface IF26, generates support information based on the acquired information, and returns it to the payment application 20.

[0036] FIG. 9 is a diagram showing an example of an account management screen IM3. The account management screen IM3 is a screen for a user to set access permission to the dream realization support service to various account information of the user. FIG. 9 shows an example of a screen for setting access permission to the dream realization support service to the user's bank statement. The bank to be set may be a bank registered in the electronic payment service, or may be a different bank. The account management screen IM3 in the example of FIG. 9 includes, for example, an input interface IF31 that accepts an operation to specify a bank account to be accessed, and a switch interface IF32 that sets consent / non-consent to the provision of bank statement information.

[0037] A bank statement reflects the user's economic situation to a certain extent. Therefore, when access permission is set for the bank statement, the support information providing unit 160 can provide support information that takes into account the user's economic situation with respect to a plan to realize a "dream". Similarly, examples of information that may reflect the user's economic situation include detailed information on deposits and withdrawals in expense accounts, detailed information on deposits and withdrawals in pension accounts, email accounts, and details of credit / debit cards. For these pieces of information, an account management screen similar to that for bank statements may be provided, and access permission may be set. In this way, when the support information providing unit 160 can access various information that reflects the user's economic situation (hereinafter referred to as "user's economic information"), the support information providing unit 160 may include the user's economic information in the input information for creating the support information. In this way, the support information providing unit 160 can provide the user with a realization plan (such as a saving plan or a savings plan) that takes into account the user's economic situation as support information.

[0038] [Creating support information] FIG. 10 is a diagram showing an example of a method in which the support information providing unit 160 creates support information using AI (Artificial Intelligence). The AI ​​for creating support information (hereinafter referred to as "support information providing AI") may be constructed based on rules, or may be a trained model constructed by machine learning. FIG. 10 shows an image of the support information providing AI that uses one or more of the following as input data: information DI1 on the user's future plans, information DI2 on the user's savings, information DI3 on ​​the user's expense account, personal information DI4 on the user, data DI5 publicly available on the realization of "dreams", and information DI6 in response to questions on the realization of "dreams" by a chatbot (such as Chat GPT) that has learned various information on the Internet. Here, the various input data DI1 to DI4 are assumed to be included in the contents of the "dreams" set in FIG. 7 and FIG. 8, the information of various accounts linked in FIG. 9, and the like.

[0039] The support information providing AI may be the above-mentioned chatbot, etc. In that case, the support information providing unit 160 may ask the support information providing AI a plan for realizing the "dream" together with any one or more pieces of input information DI1 to DI5 described above, and provide the content of the reply to the question to the user as support information.

[0040] 11 to 14 are diagrams showing an example of support information. FIG. 11 and FIG. 12 show an example of presenting the degree of achievement of a plan for realizing a "dream" to a user as support information. The screen example of FIG. 11 shows a graph G1 showing a prediction that, according to the current activity status for realizing a "dream," the "dream" will be realized at an earlier timing T2 (e.g., 2 years and 2 months after the activity starts) than the initially expected realization timing T1 (e.g., 5 years after the activity starts). In this example, the horizontal axis of the graph G1 represents time (timing), and the vertical axis represents the amount of savings for realizing the "dream." In this way, by visually displaying the degree of achievement of the plan for realizing the "dream," the user can realize that the realization of the "dream" is steadily approaching due to his or her own activities, and thus can maintain / improve motivation for the activities.

[0041] 11, recommended information INF2 that suggests upgrading the "dream" is provided as an example of support information. In addition to the recommended information INF2, a button BT3 is provided for displaying a user interface that accepts changes to the dream settings. By providing such information as support information, the user can decide at an appropriate time whether or not to challenge a bigger "dream" based on the progress of the plan to realize the current "dream."

[0042] On the other hand, the example screen of FIG. 12 shows, in graph G2, a prediction that the "dream" will be realized later (e.g., 7 years and 2 months after the start of the activity) than the initially expected realization timing T3 (e.g., 5 years after the start of the activity) according to the current activity status toward the realization of the "dream". The way to read the graph G2 is the same as that of the graph G1. Furthermore, in the example of FIG. 12, as an example of support information, recommended information INF3 is provided that suggests reviewing the plan to realize the "dream". In addition to the recommended information INF3, a button BT4 is provided to display support information regarding reviewing the plan. By providing such information as support information, the user can take an appropriate approach toward the realization of the "dream" by reviewing the activity or the realization plan.

[0043] 11 and 12 are examples in which the "dream" is "purchasing a car." In graphs G1 and G2, the goal icon C1 is displayed at a position corresponding to the initially predicted timing of the realization of the "dream" (timings T1 and T3 in the illustrated example), and the car icon C2 is displayed at a position corresponding to the predicted timing of the realization of the "dream" at the current activity pace (timings T2 and T4 in the illustrated example). According to the display of graph G1, the user can realize that the timing of the realization of the "dream" is about to be accelerated because the target car is approaching the goal. Also, according to the display of graph G2, the user can realize that the timing of the realization of the "dream" is about to be delayed because the target car is moving away from the goal, and that if the user wants to realize the "dream" as planned, the pace of savings needs to be accelerated even more.

[0044] FIG. 13 shows an example of presenting information regarding a review of a plan for realizing a "dream" to a user as support information. FIG. 13 illustrates a chat function as an example of providing support information to a user. In the example of FIG. 13, comments displayed on the right side of the screen are comments from the user, and comments displayed on the left side of the screen are comments from a dream realization support service function (hereinafter referred to as the "support function"). For example, a user can converse with the support function by inputting text into a chat interface IF20. In the example of FIG. 13, the support function first informs the user that "the user's updated salary will not allow the current "dream" to be realized as originally planned," and suggests to the user that "the user needs to review (i.e., reduce) monthly expenses in the next six months" (S21).

[0045] In response to this proposal, for example, users ask "what options are available" regarding the support functions and also state their condition that "I do not want to reduce my spending on futsal" when the review is carried out (S22).

[0046] In response to this request, the support function selects a plan option based on the conditions presented by the user and presents it to the user (S23). The selection of this option can be realized, for example, by providing the support information providing AI described above with updated information (e.g., salary information) about the user. In addition, when the support information providing AI is configured to present multiple plans that can realize the "dream," the support information providing unit 160 may be configured to present multiple options to the user.

[0047] In the example of Fig. 13, the support function suggests to the user that they consider "purchasing a used bicycle to save 60,000 yen" (first option) and "changing a trip to Hokkaido to Hakone and saving 150,000 yen" (second option). For example, if the support information providing AI includes the above-mentioned chatbot function, the support information providing unit 160 can input the content of the user's "dream", economic situation, expenditure priority, personal information, etc., and ask the chatbot about a plan to realize the "dream" to draw out options.

[0048] In addition to the above examples, various options may be suggested, such as "postpone moving to a new house for six months," "sell your current car by month," "learn X skill and apply for YY job," "cook at home to save money," and "invest in XX to increase your income." In addition, supplemental information for these options may be presented as support information. For example, supplemental information such as "10 easy recipes you can make at home" may be presented in response to the suggestion "cook at home to save money." These options may be determined based on rules based on information about the user or publicly available information, or may be determined by the above-mentioned chatbot that has learned from a vast amount of information on the Internet.

[0049] In the example of Figure 13, in response to the first and second options proposed in S23, the user responds to the support function by saying, "I cannot compromise on purchasing a bicycle, so I will select the second option" (S24).

[0050] In response to this answer, in the example of Figure 13, the support function further suggests to the user that "in order to reduce automobile tax by 35,000 yen, sell the car you currently own in July, instead of September." In this way, the user can consider various options by changing the conditions for option selection or asking additional questions to the support function.

[0051] <Modification> In the above embodiment, the chat interface IF20 is shown as an example of a means for presenting the user with information on reviewing a plan for realizing a "dream" as support information (FIG. 13). However, the chat interface may be used as a means for supporting the user in setting a "dream". For example, the goal setting screen IM1 in FIG. 7 may be provided with a chat interface as a means for supporting the user in setting a "dream". For example, if the user does not have a choice of a "dream" to select on the goal setting screen IM1, the user inputs information about the dream he or she envisions into the chat interface. In this case, the goal management unit 150 may be configured to automatically generate a detailed screen of the "dream" based on the input information to the chat interface and the contents of the chat interface's response to the input information, and present the screen to the user. For example, assume that the user inputs a "dream" such as "I want to go to space in xx years" into the chat interface. In this case, the goal management unit 150 may generate questions about the "dream" (such as the schedule, departure point, return point (America, China, etc.), and the name of the shuttle to board, etc.), and may generate a user interface (such as IF21 to IF26 in FIG. 8) for receiving input of answers to the questions, and display them on the payment application 20. The goal management unit 150 may also input the content of the "dream" entered by the user, the questions about the "dream," and the user's answers to the questions to the support information providing AI, and may generate options for detailing the "dream" based on the answers of the support information providing AI, and display them on the goal setting screen IM1.

[0052] According to the embodiment described above, it is possible to support a user in activities for saving the money necessary to achieve a goal.

[0053] 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]

[0054] 10 User terminal device 20. Payment App 50 First store terminal device 60 Store Code Image 70 Second store terminal device 72 Merchant Interface 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 150 Target Management Department 160 Support Information Department 170 Storage section 172 User information 174 Payment Content Information 176 Affiliated Stores / Store Information 178 Target management information

Claims

1. A device that cooperates with an application program running on a user's terminal device to support activities required for the user to achieve a goal, comprising: a goal management unit that receives input of information regarding the goal and manages the input information as goal management information for each user; a support information providing unit for providing support information for supporting the achievement of the goal to the user; Equipped with The goal management information includes at least an amount of money required to achieve the goal, a period of time required to achieve the goal, first information indicating the user's economic situation, and second information regarding the user's future plans; the support information providing unit generates the support information to be presented to the user based on the goal management information. Information processing device.

2. The support information includes a savings plan for the costs required to achieve the goal. The information processing device according to claim 1 .

3. The goal management unit calculates a degree of achievement of the savings plan based on the user's activity record with respect to the savings plan, The support information providing unit provides support information including a degree of achievement of the savings plan. The information processing device according to claim 2 .

4. the goal management unit determines the timing when the savings related to the savings plan will be completed at the current savings pace based on the user's activity record for the savings plan, and if the timing is not included in the period, provides, as the support information, information proposing changes to the savings plan that can be made in order to complete the savings within the period. The information processing device according to claim 3 .

5. The support information providing unit generates the support information using a trained model that inputs at least the amount of the expense, the period, the first information, and the second information and outputs the support information. The information processing device according to claim 1 .

6. The trained model is a chatbot that has learned various information available on the Internet, and in response to input of the amount of the expense, the period, the first information, and the second information, the chatbot responds with a savings plan for the user, whose economic situation is represented by the first information and whose future plans are represented by the second information, to save the amount of the expense within the period. The information processing device according to claim 5 .

7. An information processing device that cooperates with an application program running on a user's terminal device to execute a process for supporting activities required for the user to achieve a goal, a goal management process for receiving an input of information regarding the goal and managing the input information as goal management information for each user; a support information providing process for providing support information for supporting the achievement of the goal to the user; An information processing method for carrying out the above, The goal management information includes at least an amount of money required to achieve the goal, a period of time required to achieve the goal, first information indicating the user's economic situation, and second information regarding the user's future plans; In the support information providing process, the support information to be presented to the user is generated based on the goal management information. Information processing methods.

8. An information processing device that cooperates with an application program running on a user's terminal device to execute a process for supporting an activity required for achieving the user's goal, a goal management process for receiving an input of information regarding the goal and managing the input information as goal management information for each user; a support information providing process for providing support information for supporting the achievement of the goal to the user; A program for executing The goal management information includes at least an amount of money required to achieve the goal, a period of time required to achieve the goal, first information indicating the user's economic situation, and second information regarding the user's future plans; The support information providing process generates the support information to be presented to the user based on the goal management information. program.

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