Information processing device, information processing method, and information processing program

Abstract

To provide an information processing device, an information processing method, and an information processing program that support estimation of a plausible attribute of a user.SOLUTION: An information processing device according to the present application includes an acquisition unit and an estimation unit. The acquisition unit acquires use history information of electronic settlement service provided via a terminal device used by a service user of the electronic settlement service. The estimation unit estimates, on the basis of the use history information acquired by the acquisition unit, attribute information indicating an attribute of the service user.SELECTED DRAWING: Figure 3

Description

[Technical Field]

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

[0002] Conventionally, there have been proposed techniques for estimating various pieces of information about a user using information acquired from a terminal device used by the user. In relation to such techniques, for example, there has been proposed a technique for estimating attribute information of a user using detection information detected by a terminal device traveling with the user. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-68044 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above prior art techniques leave room for improvement in supporting the estimation of plausible attributes about a user.

[0005] The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can assist in estimating plausible attributes of a user. [Means for solving the problem]

[0006] The information processing device according to the present application includes an acquisition unit and an estimation unit. The acquisition unit acquires usage history information of an electronic payment service provided via a terminal device used by a service user of the electronic payment service. The estimation unit estimates attribute information indicating attributes of the service user based on the usage history information acquired by the acquisition unit. [Effects of the Invention]

[0007] According to one aspect of the embodiment, it is possible to provide an effect of assisting in estimating plausible attributes of a user. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of an information processing system according to an embodiment. [Figure 2] FIG. 2 is a diagram for explaining an overview of information processing according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of the information processing device according to the embodiment. [Figure 4] FIG. 4 is a diagram showing an overview of the usage history information according to the embodiment. [Figure 5] FIG. 5 is a flowchart illustrating an example of a processing procedure of information processing executed by the information processing device according to the embodiment. [Figure 6] FIG. 6 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the information processing device according to the embodiment or the modification. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program are not limited to these embodiments. Furthermore, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

[0010] [Embodiment] (1-1. System Configuration) The configuration of the information processing system SYS according to the embodiment will be described below with reference to the drawings. Fig. 1 is a diagram showing an example of the configuration of the information processing system according to the embodiment.

[0011] As shown in Fig. 1, the information processing system SYS according to the embodiment is configured to include a plurality of terminal devices 10, a payment service providing device 20, an operator device 30, and an information processing device 100. Note that the configuration of the information processing system SYS shown in Fig. 1 is an example, and other devices other than those exemplified in Fig. 1 may be included.

[0012] Terminal device 10, payment service providing device 20, operator device 30, and information processing device 100 are connected to network N by wire or wirelessly. Terminal device 10, payment service providing device 20, operator device 30, and information processing device 100 can communicate with other devices via network N.

[0013] The network N includes, for example, a WAN (Wide Area Network) such as the Internet, and mobile communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation: fifth generation mobile communication system).

[0014] Terminal device 10 connects to network N via short-range wireless communication such as a mobile communication network, Bluetooth (registered trademark), or wireless LAN (Local Area Network), and can communicate with other devices such as payment service providing device 20 through network N.

[0015] Furthermore, terminal device 10 is used by user U, who is a service user of the electronic payment service provided by payment service providing device 20. Each of the multiple terminal devices 10 is used by a different user U.

[0016] The terminal device 10 may be, for example, a notebook PC (Personal Computer), a desktop PC, a smartphone, a tablet PC, or a wearable device. Examples of wearable devices include, but are not limited to, smart glasses and smart watches.

[0017] A user U of terminal device 10 can use a payment application program (hereinafter referred to as the "payment app") pre-installed on terminal device 10 to use an electronic payment service. User U operates terminal device 10 to launch the payment app, and by using various functions included in the payment app, can execute various processes related to the electronic payment service in cooperation with payment service providing device 20. For example, terminal device 10 can display web content provided by payment service providing device 20 using the payment app. When terminal device 10 receives control information from payment service providing device 20 that implements information display processing, terminal device 10 implements the display processing in accordance with the control information.

[0018] Furthermore, when terminal device 10 receives control information for implementing predetermined information processing from payment service providing device 20, it implements the information processing in accordance with the control information. Here, the control information is written in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that a predetermined application distributed from payment service providing device 20 or the like may itself be considered as control information.

[0019] Payment service providing device 20 executes various processes related to electronic payment services. Payment service providing device 20 is operated and managed by a service provider that provides electronic payment services. When payment service providing device 20 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0020] Through the electronic payment service, the payment service providing device 20 can provide the user U with an environment for realizing code payments executed using the terminal device 10. Code payments executed using the terminal device 10 are also called "smartphone payments" when the terminal device 10 is a smartphone.

[0021] Payment service providing device 20 manages, for example, providers of transaction objects provided to user U and electronic money accounts (also referred to as "electronic wallets") of user U to which transaction objects are provided. Payment service providing device 20 can realize smartphone payments by transferring electronic money between accounts in accordance with payment requests from service users accepted through a payment app. Note that electronic money may be, for example, points or currency used independently by various companies, or electronically tradable currencies provided by countries such as Japanese yen or dollars.

[0022] The operator device 30 is used by an operator OP who analyzes various information related to a user U. The operator device 30 is, for example, a notebook PC (Personal Computer), a desktop PC, a smartphone, a tablet PC, or a wearable device. Examples of wearable devices include, but are not limited to, smart glasses and smart watches.

[0023] The information processing device 100 executes information processing according to the embodiment described below. When the information processing device 100 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other. The information processing device 100 is an example of an information processing device that realizes the information processing method according to the present application.

[0024] (1-2. Payment using terminal device 10) An example of a code payment process executed using the terminal device 10 will be described below. In the following description, an example will be described in which a user U who receives a transaction object from a predetermined store makes a payment using the terminal device 10, using a two-dimensional code (QR code (registered trademark)) placed in the predetermined store and indicating store identification information that identifies the predetermined store. Note that the example of code payment described below can also be applied when any user makes a payment at any store using any terminal device 10. Furthermore, the two-dimensional code indicating store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like. Furthermore, the two-dimensional code is not limited to being physically formed by a printed matter printed on a medium such as paper, but may also be formed by image information displayed on any terminal.

[0025] For example, when user U makes a payment for the purchase or use of a transaction object such as various goods or services at a predetermined store, user U launches a payment app pre-installed on terminal device 10 to use code payment. User U can use various functions related to code payment through the payment app. User U then photographs a two-dimensional code displayed at the predetermined store via the payment app. In such a case, terminal device 10 displays a screen for inputting the price of the transaction object and accepts input of the payment amount from user U or a store clerk at the predetermined store. Terminal device 10 then transmits transaction information including user identification information that identifies user U, store identification information (or information indicated by the store identification information, i.e., information indicating the predetermined store (e.g., store ID)), and the payment amount to payment service providing device 20 (see, for example, FIG. 1).

[0026] When payment service providing device 20 accepts transaction information from terminal device 10, it transfers electronic money equivalent to the payment amount from user U's account indicated by the user identification information to the account of a specific store indicated by the store identification information. At this time, payment service providing device 20 may deduct a specific fee to be charged to the specific store from the electronic money equivalent to the payment amount before transferring it to the account of the specific store. Payment service providing device 20 then sends a notification that the transaction has been completed to terminal device 10. In such a case, terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a specific sound indicating that the transaction has been completed. Alternatively, payment service providing device 20 may withdraw electronic money equivalent to the payment amount from user U's account indicated by the user identification information, manage it as sales information of the specific store, and transfer cash equivalent to the sales amount to a bank account held by the specific store at a specific time. In this case, payment service providing device 20 may notify user U that the electronic money transaction has been completed at the time that electronic money equivalent to the payment amount has been withdrawn from user U's account.

[0027] It should be noted that payment using the terminal device 10 is not limited to the above-described process. For example, payment using the terminal device 10 may be made using equipment installed in a specific store (hereinafter referred to as a "store terminal"). Specifically, first, the terminal device 10 displays code information indicating user identification information for identifying the user U on the screen. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10, and transmits transaction information to the payment service providing device 20, including the read user identification information (or information indicated by the user identification information, i.e., information indicating the user U (e.g., a user ID)), the payment amount, and information identifying the specific store.

[0028] When payment service providing device 20 receives transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from user U's account indicated by the user identification information to the account of the specified store. Then, payment service providing device 20 sends a notification to the store terminal or terminal device 10 that the transaction has been completed. The store terminal or terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a specified audio message indicating that the transaction has been completed. Payment service providing device 20 may also withdraw electronic money equivalent to the payment amount from user U's account indicated by the user identification information, manage this as sales information for the specified store, and transfer cash equivalent to the sales amount to a bank account held by the specified store at a specified time. In this case, payment service providing device 20 may notify a store clerk or user U that the electronic money transaction has been completed when it withdraws electronic money equivalent to the payment amount from user U's account.

[0029] Furthermore, the payment using the terminal device 10 may not only be a process of transferring electronic money from an account to which the user U has previously charged electronic money to an account of a predetermined store, but may also be a payment using, for example, a credit card registered in advance by the user U. In such a case, for example, the terminal device 10 may transfer electronic money in an amount indicated by the payment amount to the account of the predetermined store, and may also charge the operating company of the user U's credit card for the amount indicated by the payment amount.

[0030] Furthermore, payments using terminal device 10 may not only involve the transfer of electronic money from user U's account to the account of a specified store, but may also involve, for example, a payment in which electronic money is transferred from user U's account to another user's account (i.e., a remittance between users). For example, terminal device 10 used by user U, the sender of the remittance, reads user identification information identifying the remittee user (e.g., user identification information displayed on terminal device 10 used by the remittee user), accepts input of the remittance amount from user U, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying user U to payment service providing device 20. In such a case, payment service providing device 20 may transfer electronic money in an amount indicated by the remittance amount from user U's account to the remittee user's account, and notify the user that the remittance has been completed by displaying a screen or outputting a predetermined sound on terminal device 10 or a terminal device used by the remittee user indicating that the remittance has been completed.

[0031] It should be noted that remittance using terminal device 10 is not limited to the above-described process. For example, remittance using terminal device 10 may be performed by inputting the telephone number of the remittee user or information identifying the remittee user (e.g., a user ID) into terminal device 10. To give a specific example, terminal device 10 accepts input of the telephone number or user ID of the remittee user and the remittance amount from user U, and transmits the input telephone number or user ID, the remittance amount, and user identification information identifying user U to payment service providing device 20. Then, payment service providing device 20 transfers electronic money in the amount indicated by the remittance amount from user U's account to the account of the user linked to the transmitted telephone number or user ID.

[0032] Here, the telephone number or user ID of the remittance recipient user may be linked to information about the user and registered in advance in the payment app. In this case, terminal device 10 accepts from user U the designation of a user (remittance recipient) registered in the payment app and an input of the remittance amount to the user, and transmits to payment service providing device 20 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information that identifies user U.

[0033] Furthermore, for example, remittance using terminal device 10 may be performed by providing the remittance recipient user with link information for receiving the remittance amount. To give a specific example, terminal device 10 accepts input of the remittance amount from user U, generates link information for receiving the remittance amount, and provides the link information to the terminal device used by the remittance recipient user by sending an email containing the link information or posting information containing the link information on an SNS (Social Networking Service). Then, when the remittance recipient user selects the link information and performs a receiving operation, payment service providing device 20 transfers electronic money in the amount indicated by the remittance amount from user U's account to the remittance recipient user's account.

[0034] The above-described payment methods and payment services are not limited to those for providing compensation for the purchase of goods or the provision of services (debt settlement). For example, as described above, the payment methods and payment services may have a function related to the transfer of funds between accounts held by multiple users. That is, the above-described payment methods and payment services may be services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment methods and payment services according to the embodiments may be provided in any form as long as they are transaction methods and transaction services that perform various controls for realizing the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also control related to exchanges between electronic money accounts and bank accounts, various credit processing such as installment payments and bonus payments, and various controls related to the exchange of assets including electronic money). Furthermore, the various controls realized by such transaction methods and transaction services may include both control related to settlement and control related to remittance, or only one of them. That is, the concept of a "transaction" includes not only "payments" related to electronic money but also "remittances" of electronic money and various other processes. That is, payment service providing apparatus 20 may be an information processing apparatus that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0035] (1-3. Overview of Information Processing According to Embodiment) An overview of information processing according to the embodiment will be described below with reference to Fig. 2. Fig. 2 is a diagram for explaining the overview of information processing according to the embodiment. The information processing according to the embodiment is executed by an information processing device 100.

[0036] As shown in Figure 2, payment service providing device 20 executes various processes related to the electronic payment service provided to user U. Payment service providing device 20 acquires usage history information indicating the usage history of the electronic payment service by user U through a payment app provided to user U. The usage history information includes information indicating the content of user U's actions performed using the payment app and information indicating the content of user U's operations performed on the payment app.

[0037] Payment service providing device 20 provides the usage history information to information processing device 100. Payment service providing device 20 may provide the usage history information by sending it in response to a request from information processing device 100, or may provide the usage history information to information processing device 100 by performing data linkage processing using a predetermined API (Application Programming Interface). Information processing device 100 internally stores and manages the usage history information provided by payment service providing device 20.

[0038] The operator device 30 transmits a processing request to the information processing device 100 in accordance with an operation by an operator OP (step S01).

[0039] When the information processing device 100 receives a processing request from the operator device 30, it acquires usage history information (step S02).

[0040] In addition, the information processing device 100 estimates attribute information indicating the attributes of the user U, who is a service user, based on the acquired usage history information (step S03), and provides the estimated result to the operator OP by transmitting it to the operator device 30 (step S04).

[0041] The estimation of attribute information will be specifically described. The information processing device 100 uses usage history information of multiple users U (an example of "second users") as learning data and attribute information indicating the attributes of each of the multiple users U as training data, and uses machine learning to train a model to learn the correspondence between the usage history information and the attribute information. Furthermore, the information processing device 100 acquires usage history information of a target user (an example of a "first user") whose attributes are to be estimated, and estimates attribute information corresponding to the target user based on the acquired usage history information and information indicating the correspondence obtained as a result of machine learning.

[0042] Information processing device 100 estimates likely attributes of the target user based on the details of user U's actions using the payment app and the details of user U's operations on the payment app. Information processing device 100 does not accurately estimate the attributes of the target user, but estimates likely attributes of the target user. The attributes of the target user estimated by information processing device 100 are, for example, age, but are not particularly limited to age and may include gender, family structure, annual income, etc.

[0043] For example, the information processing device 100 may use behavioral information indicating the content of the behaviors of multiple users U performed in a payment app (an example of a "predetermined application") for using an electronic payment service as learning data, and may cause a model to learn the correspondence between the behavioral information and the attribute information.The information processing device 100 may then acquire the behavioral information of the target user as usage history information, and estimate the attribute information corresponding to the target user based on the acquired behavioral information and information indicating the correspondence.

[0044] The behavioral information may include at least one of a payment history regarding payments made through the payment app, a remittance history regarding remittances made through the payment app, a viewing history of notifications provided to user U through the payment app, a coupon acquisition history provided to user U through the payment app, a money balance recharge history by user U through the payment app, and a usage history of a stamp card provided to user U through the payment app. In addition, the behavioral information may include, in relation to the money balance recharge history, the recharge amount, the recharge date and time, the recharge method, and the auto-recharge setting status. Examples of recharge methods include bank transfer and credit card.

[0045] The payment history may include, for each payment, a combination of information indicating the payment amount and information indicating the payment date and time. The payment history may include, for each payment, a combination of a store category that is set in advance to classify the store where the payment was made, information indicating the payment amount, and information indicating the payment date and time. The information processing device 100 can also acquire payment history for specific timing selected by the operator OP. Examples of specific timing include long holidays, Christmas, and the New Year holidays. The remittance history may include a combination of information indicating the remittance amount for each remittance and information indicating the remittance date and time. The information processing device 100 can also acquire remittance history for specific timing selected by the operator OP.

[0046] Furthermore, information processing device 100 may use payment operation information indicating payment-related operations performed by multiple users U in a payment app as learning data and train a model to learn the correspondence between the payment operation information and attribute information. Information processing device 100 may then acquire the payment operation information of a target user as usage history information, and estimate attribute information corresponding to the target user based on the acquired payment operation information and information indicating the correspondence.

[0047] The payment operation information may include information indicating the operations performed by the user U before the payment is made using the payment app. The information indicating the operations may include the type of icon or button operated by the user U in the payment app to reach the payment screen, or the type of payment method ultimately used for the payment (e.g., barcode payment or scan payment). Alternatively, the information indicating the operations may include information indicating screen transitions (page transitions). For example, if the user can choose between making a payment using a code displayed in small letters on the top page of the payment app or a code displayed in large letters specifically for payment, the information indicating the operations may also include information indicating the screen transitions (page transitions) made until the code used for the payment is displayed.

[0048] As described above, according to the information processing of the embodiment, the information processing device 100 acquires usage history information of a target user whose attributes are to be estimated, and estimates attribute information corresponding to the target user based on the acquired usage history information and information indicating a correspondence obtained as a result of machine learning. The information processing device 100 estimates a plausible age for the target user based on, for example, a history of payments and remittances using an electronic payment service, an operation history indicating operations on a payment app, and the like. In this way, the information processing device 100 can support the estimation of plausible attributes for the target user.

[0049] 2. Configuration of Information Processing Device 100 An example of the functional configuration of the information processing device 100 according to the embodiment will be described below with reference to Fig. 3. Fig. 3 is a diagram showing an example of the configuration of the information processing device 100 according to the embodiment. As shown in Fig. 3, the information processing device 100 according to the embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0050] (Communication unit 110) Communication unit 110 is realized by, for example, a communication module or a NIC (Network Interface Card), etc. Communication unit 110 is connected to network N via wired or wireless connection, and transmits and receives information to and from other devices such as payment service providing device 20 and operator device 30.

[0051] (Storage unit 120) Storage unit 120 stores, for example, programs and data used for control and calculation by control unit 130. Storage unit 120 is realized, for example, by a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 3 , storage unit 120 has a usage history information DB (Data Base) 121 and a correspondence relationship information DB 122.

[0052] (Usage history information DB121) Usage history information DB 121 stores usage history information indicating the usage history of electronic payment services by user U. Information processing device 100 acquires usage history information from payment service providing device 20. Figure 4 is a diagram showing an overview of usage history information according to an embodiment.

[0053] 4, the usage history information stored in the usage history information DB 121 has an item of “user ID” and an item of “usage history information.” These items in the usage history information are associated with each other.

[0054] The "user ID" field stores a user ID, which is identification information unique to a user U who is a service user of the electronic payment service.

[0055] The "usage history information" field stores usage history information of the electronic payment service provided via the terminal device used by the service user of the electronic payment service. The "usage history information" field may store, as usage history information, behavioral information indicating the content of actions taken in the payment app for using the electronic payment service for user U, who is a service user of the electronic payment service.

[0056] The behavioral information may include at least one of a payment history regarding payments made through the payment app, a remittance history regarding remittances made through the payment app, a viewing history of notifications provided to user U through the payment app, a history of coupon acquisition provided to user U through the payment app, a history of recharging money balances by user U through the payment app, and a usage history of stamp cards provided to user U through the payment app. In addition, the behavioral information may include, in relation to the recharge history of money balances, the recharge amount, the recharge date and time, the recharge method, and the auto-recharge setting status. Examples of recharge methods include bank transfer and credit card.

[0057] The payment history may include, for each payment, a combination of information indicating the payment amount and information indicating the payment date and time. Furthermore, the payment history may include, for each payment, a combination of a store category that is set in advance to classify the store where the payment was made, information indicating the payment amount, and information indicating the payment date and time. Furthermore, the payment history may also be acquired for a specific timing selected by the operator OP. Examples of specific timing include long holidays, Christmas, and the New Year holidays. The remittance history may include a combination of information indicating the remittance amount for each remittance and information indicating the remittance date and time. The information processing device 100 may also acquire the remittance payment history for a specific timing selected by the operator OP.

[0058] Furthermore, the usage history information stored in the usage history information DB 121 may include payment operation information indicating operations related to payments made by a plurality of users U in the payment application.

[0059] The payment operation information may include information indicating the operations performed by the user U before the payment is made using the payment app. The information indicating the operations may include the type of icon or button operated by the user U in the payment app to reach the payment screen, the type of payment method ultimately used for the payment (for example, barcode payment or scan payment), etc.

[0060] (Correspondence information DB122) The correspondence information DB122 uses usage history information of multiple users U as learning data and attribute information indicating the attributes of each of the multiple users U as training data, and stores information indicating the correspondence obtained as a result of machine learning by having a model learn the correspondence between usage history information and attribute information through machine learning.

[0061] (control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs (an example of an "information processing program" according to the embodiment) stored in a storage device inside the information processing device 100 using RAM as a working area.

[0062] Furthermore, the control unit 130 can be realized by an integrated circuit such as an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or a general purpose graphic processing unit (GPGPU).

[0063] 3, the control unit 130 has an acquisition unit 131, an estimation unit 132, and a learning unit 133, and these units realize or execute the functions and actions of the information processing described below. Note that the control unit 130 may be provided with new functional units different from the units shown in FIG. 3 in response to expansion of various processes executed by the information processing device 100.

[0064] (Acquisition part 131) When the acquisition unit 131 receives a processing request from the operator OP via the communication unit 110, it acquires usage history information of a target user whose attributes are to be estimated from the usage history information DB 121. For example, the acquisition unit 131 randomly selects a target user from a plurality of users U.

[0065] (Estimation part 132) The estimation unit 132 estimates attribute information indicating attributes of a service user based on the usage history information acquired by the acquisition unit 131. For example, the estimation unit 132 estimates attribute information corresponding to a target user based on the usage history information of the target user acquired by the acquisition unit 131 and information indicating a correspondence obtained as a result of machine learning by the learning unit 133. The estimation unit 132 transmits the estimation result to the operator device 30 via the communication unit 110, thereby providing the estimation result to the operator OP.

[0066] (Learning Section 133) The learning unit 133 uses the usage history information of multiple users U who are service users as learning data and uses attribute information indicating the attributes of each of the multiple users U as training data to learn the correspondence between the usage history information and the attribute information into a model through machine learning. The learning data used by the learning unit 133 for learning may be normalized using logarithms or the like.

[0067] The model used for learning by the learning unit 133 is, for example, but not limited to, a decision tree, a regression model, a neural network, etc. The decision tree is, for example, but not limited to, a GBDT (Gradient Boosting Decision Tree) such as XGBoost (eXtreme Gradient Boosting), LightGBM (Light Gradient Boosting Machine), or CatBoost (Category Boosting).

[0068] A method for estimating the attributes of a target user, which is realized by each unit and a combination of units included in the control unit 130, will be described. For example, the learning unit 133 uses behavioral information indicating the content of the behaviors of multiple users U performed in a payment app for using an electronic payment service as learning data, and causes a model to learn the correspondence between the behavioral information and the attribute information. The learning unit 133 stores information indicating the correspondence obtained as a result of machine learning in the correspondence information DB 122. The acquisition unit 131 acquires the behavioral information of the target user as usage history information. The estimation unit 132 estimates attribute information corresponding to the target user based on the behavioral information of the target user acquired by the acquisition unit 131 and the information indicating the correspondence obtained as a result of machine learning by the learning unit 133.

[0069] Furthermore, for example, the learning unit 133 uses payment operation information indicating payment-related operations performed by multiple users U in a payment app for using an electronic payment service as learning data, and causes a model to learn the correspondence between behavioral information and attribute information. The learning unit 133 stores information indicating the correspondence obtained as a result of machine learning in the correspondence information DB 122. The acquisition unit 131 acquires the payment operation information of the target user as usage history information. The estimation unit 132 estimates attribute information corresponding to the target user based on the behavioral information of the target user acquired by the acquisition unit 131 and the information indicating the correspondence obtained as a result of machine learning by the learning unit 133.

[0070] [3. Example of processing procedure] Hereinafter, the flow of information processing executed by the information processing device 100 according to the embodiment will be described with reference to Fig. 5. Fig. 5 is a flowchart showing an example of the processing procedure of information processing executed by the information processing device 100 according to the embodiment. The processing procedure shown in Fig. 5 is executed by the control unit 130 included in the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 5 while the information processing device 100 is operating.

[0071] As shown in FIG. 5, the acquisition unit 131 acquires the usage history information of a target user whose attributes are to be estimated from the usage history information DB 121 (step S101).

[0072] The estimation unit 132 estimates attribute information corresponding to the target user based on the usage history information of the target user acquired by the acquisition unit 131 and information indicating the correspondence obtained as a result of machine learning by the learning unit 133 (step S102).

[0073] Furthermore, the estimation unit 132 transmits the estimation result to the operator device 30 via the communication unit 110, thereby providing it to the operator OP (step S103), and the processing procedure shown in FIG. 5 ends.

[0074] [4. Modifications] (4-1. About usage history information) In the above-described embodiment, the information processing device 100 may store, as the usage history information, information about following stores in the payment app. Examples of the information about following stores include the number of followed stores that are registered as favorites in the payment app, and the number of followed stores by store category.

[0075] (4-2. System configuration, etc.) Furthermore, in the above-described embodiment, an example has been described in which information processing device 100 according to the embodiment executes the information processing according to the embodiment, but this is not limiting. For example, payment service providing device 20 may execute the information processing according to the embodiment. In this case, it is sufficient that payment service providing device 20 has the functions that information processing device 100 has for executing the information processing according to the embodiment.

[0076] Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

[0077] Furthermore, the components of each device shown in the figure are conceptual functional components and do not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

[0078] Furthermore, the above-described embodiments can be combined as appropriate within the scope of not causing any contradiction in the processing content.

[0079] [5. Hardware Configuration] Moreover, the information processing device 100 according to the above-described embodiment or modification is realized, for example, by a computer 1000 configured as shown in Fig. 6. Fig. 6 is a hardware configuration diagram showing an example of a computer that realizes the functions of the information processing device 100 according to the embodiment or modification.

[0080] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

[0081] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, or the like.

[0082] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), etc. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0083] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0084] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0085] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0086] For example, when the computer 1000 functions as the information processing device 100 according to the embodiment or the modification, the arithmetic device 1030 of the computer 1000 executes a program loaded onto the primary storage device 1040, thereby realizing the same functions as the control unit 130. That is, the arithmetic device 1030 cooperates with the program (for example, an example of an information processing program) loaded onto the primary storage device 1040 to realize the processing by the information processing device 100 according to the embodiment or the modification.

[0087] [6. Effects] As described above, the information processing device 100 according to the embodiment includes an acquisition unit 131 and an estimation unit 132. The acquisition unit 131 acquires usage history information of an electronic payment service provided via a terminal device used by a service user of the electronic payment service. The estimation unit 132 estimates attribute information indicating the attributes of the service user based on the usage history information acquired by the acquisition unit.

[0088] The information processing device 100 according to the embodiment also includes a learning unit 133. The learning unit 133 uses usage history information of multiple users U (an example of a "second user") who are service users as learning data and attribute information indicating the attributes of each of the multiple users U as training data, and causes a model to learn a correspondence relationship between the usage history information and the attribute information through machine learning. The acquisition unit 131 acquires usage history information of a target user (an example of a "first user") whose attributes are to be estimated. The estimation unit 132 may estimate attribute information corresponding to the target user based on the usage history information of the target user acquired by the acquisition unit 131 and information indicating the correspondence relationship obtained as a result of the machine learning by the learning unit 133.

[0089] Furthermore, the learning unit 133 may use behavioral information indicating the content of the behaviors of multiple users U performed in a payment app (an example of a "predetermined application") for using an electronic payment service as learning data, and may cause a model to learn the correspondence between the behavioral information and the attribute information. In this case, the acquisition unit 131 may acquire behavioral information of the target user as usage history information. Then, the estimation unit 132 may estimate attribute information corresponding to the target user based on the behavioral information of the target user acquired by the acquisition unit 131 and information indicating the correspondence obtained as a result of machine learning by the learning unit 133.

[0090] In addition, the behavioral information may include at least one of the following: payment history regarding payments made through the payment app; remittance history regarding remittances made through the payment app; viewing history of notifications provided to user U through the payment app; acquisition history of coupons provided to user U through the payment app; money balance recharge history made by user U through the payment app; and usage history of stamp cards provided to user U through the payment app.

[0091] The payment history may also include, for each payment, a combination of information indicating the payment amount and information indicating the date and time of payment.

[0092] In addition, the payment history may include, for each payment, a combination of a store category that is set in advance to classify the store where the payment was made, information indicating the payment amount, and information indicating the date and time of the payment.

[0093] The remittance history may also include, for each remittance, a combination of information indicating the remittance amount and information indicating the remittance date and time.

[0094] Furthermore, the learning unit 133 may use payment operation information indicating payment-related operations performed by multiple users U in a payment app for using an electronic payment service as learning data, and may cause a model to learn a correspondence between the payment operation information and the attribute information. In this case, the acquisition unit 131 may acquire the payment operation information of the target user as usage history information. Then, the estimation unit 132 may estimate the attribute information corresponding to the target user based on the payment operation information of the target user acquired by the acquisition unit 131 and information indicating the correspondence obtained as a result of machine learning by the learning unit 133.

[0095] The payment operation information may also include information indicating the details of operations performed by the user U before the payment is made using the payment app.

[0096] In this way, the information processing device 100 according to the embodiment acquires usage history information of a target user whose attributes are to be estimated, and estimates attribute information corresponding to the target user based on the acquired usage history information and information indicating a correspondence obtained as a result of machine learning. The information processing device 100 estimates a plausible age for the target user based on, for example, a history of payments and remittances using electronic payment services, an operation history indicating operations on a payment app, and the like. In this way, the information processing device 100 can support the estimation of plausible attributes for a user.

[0097] The above-described effects can be realized by the processing executed by each of the above-described units, or by any combination of the processing executed by each unit.

[0098] [7. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be implemented in other forms that include the embodiments described in the Disclosure of the Invention section and that have undergone various modifications and improvements based on the knowledge of those skilled in the art.

[0099] Furthermore, the information processing device 100 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0100] Furthermore, the term "unit" in the claims can be read as "means" or "circuit," etc. For example, a control unit can be read as control means or a control circuit. [Explanation of symbols]

[0101] SYS Information Processing System 10 Terminal Equipment 100 Information processing device 110 Communications Department 120 Storage section 121 Usage History Information DB 122 Correspondence Information DB 130 control section 131 Acquisition Department 132 Estimation Department 133 Learning Department

Claims

1. an acquisition unit that acquires usage history information of the electronic payment service provided via a terminal device used by a service user of the electronic payment service; an estimation unit that estimates attribute information indicating attributes of the service user based on the usage history information acquired by the acquisition unit; An information processing device comprising:

2. a learning unit that uses the usage history information of a plurality of second users who are service users as learning data and attribute information indicating attributes of each of the plurality of second users as training data, and that learns a correspondence relationship between the usage history information and the attribute information into a model by machine learning; and The acquisition unit acquiring the usage history information of a first user whose attributes are to be estimated; The estimation unit The attribute information corresponding to the first user is estimated based on the usage history information of the first user acquired by the acquisition unit and information indicating the correspondence obtained as a result of machine learning by the learning unit.

2. The information processing apparatus according to claim 1, wherein:

3. The learning unit behavioral information indicating the content of the behaviors of the plurality of second users performed in a predetermined application for using the electronic payment service is used as learning data, and a correspondence relationship between the behavioral information and the attribute information is trained into a model; The acquisition unit acquire the behavioral information of the first user as the usage history information; The estimation unit The attribute information corresponding to the first user is estimated based on the behavior information of the first user acquired by the acquisition unit and information indicating the correspondence relationship.

3. The information processing apparatus according to claim 2, wherein:

4. The behavioral information is The information includes at least one of a payment history regarding payments made through the predetermined application, a remittance history regarding remittances made through the predetermined application, a viewing history of notifications provided to the service user through the predetermined application, a coupon acquisition history provided to the service user through the predetermined application, a money balance recharge history performed by the service user through the predetermined application, and a usage history of a stamp card provided to the service user through the predetermined application.

4. The information processing apparatus according to claim 3,

5. The settlement history is For each payment, a combination of information indicating the payment amount and information indicating the payment date and time is included.

5. The information processing apparatus according to claim 4,

6. The settlement history is For each payment, a combination of a store category that is set in advance to classify the store where the payment was made, information indicating the payment amount, and information indicating the date and time of the payment is included.

5. The information processing apparatus according to claim 4,

7. The remittance history is For each remittance, a combination of information indicating the remittance amount and information indicating the remittance date and time is included.

5. The information processing apparatus according to claim 4,

8. The learning unit payment operation information indicating operations related to payments by the plurality of second users performed in a predetermined application for using the electronic payment service is used as learning data, and a correspondence relationship between the payment operation information and the attribute information is trained as a model; The acquisition unit The payment operation information of the first user is acquired as the usage history information; The estimation unit The attribute information corresponding to the first user is estimated based on the payment operation information of the first user acquired by the acquisition unit and the information indicating the correspondence relationship.

3. The information processing apparatus according to claim 2, wherein:

9. The settlement operation information is The information includes information indicating the operations performed by the service user before the payment is made using the predetermined application.

9. The information processing apparatus according to claim 8,

10. 1. A computer-implemented information processing method, comprising: an acquisition step of acquiring usage history information of the electronic payment service provided via a terminal device used by a service user of the electronic payment service; an estimation step of estimating attribute information indicating attributes of the service user based on the usage history information acquired by the acquisition step; An information processing method comprising:

11. On the computer, an acquisition step of acquiring usage history information of the electronic payment service provided via a terminal device used by a service user of the electronic payment service; an estimation step of estimating attribute information indicating attributes of the service user based on the usage history information acquired by the acquisition step; An information processing program characterized by causing the program to execute the above.

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