Information processing device, information processing method, and program

Abstract

To reduce a load on an operator.SOLUTION: An information processing device includes: a first acquisition part for acquiring application information to obtain permission as a store in which electronic settlement services can be used; a second acquisition part for acquiring either or both of an image of the store contained in the application information and an image of the store acquired by a method different from that of the application information; and an information processing part for executing processing to display the application information and the image comparably on a display part visible to an examiner who reviews the application information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] BACKGROUND ART Conventionally, there is known a determination device that determines whether credit information relating to the credibility of a store satisfies a determination condition for whether the store can be recognized as a store for conducting credit-based transactions (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6438138 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional techniques have sometimes been unable to reduce the burden on service operators in terms of making judgments.

[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 reduce the burden on the administrator. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes a first acquisition unit that acquires application information to be approved as a store that can use electronic payment services, a second acquisition unit that acquires one or both of an image of the store included in the application information and an image of the store obtained by a method different from the application information, and an information processing unit that executes processing to display the application information and the image in a comparable manner on a display unit that is visible to an examiner who examines the application information. [Effects 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 reduce the burden on an administrator. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 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 an embodiment. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram illustrating the configuration of the examination server 200. [Figure 8] FIG. 10 is a diagram showing an example of the contents of application information 272. [Figure 9] FIG. 10 is a diagram illustrating an example of a search result. [Figure 10] FIG. 10 is a diagram showing an example of comparison information 276. [Figure 11] FIG. 10 is a diagram illustrating an example of generation information. [Figure 12] FIG. 10 is a diagram illustrating another example of the generation information. [Figure 13] 10 is a sequence diagram showing an example of the flow of processing executed by the search server 400, the examination server 200, and the administrator terminal device 300. FIG. [Figure 14] 10 is a flowchart showing an example of the flow of processing executed by the examination server 200. [Figure 15] FIG. 10 is a diagram showing another example of comparison information. [Figure 16] 10 is a flowchart showing an example of the flow of processing executed by the examination server 200. [Figure 17] 10A and 10B are diagrams for explaining a process for identifying a store and a commercial product from an image. [Figure 18] FIG. 10 is a diagram showing a list of web pages of stores. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device hardware (the cloud server provider) 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 app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity different from the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to the 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 when a purchase is made at a store, processing such as payment is primarily conducted between the user and the affiliated store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, and one or more service servers via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc. The electronic payment service further includes an examination server 200, an administrator terminal device 300, and a search server 400. The examination server 200 is an example of an "information processing device." Some of the functional configurations included in the examination server 200 may be included in other devices. In this case, the examination server 200 and the other devices are examples of "information processing devices."

[0011] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or 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 acceptance 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 app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] [First store terminal device] 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] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from 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 the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] [Payment server] 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 payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that 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 for 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 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 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 information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or 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 in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends 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, issuing a one-time code may be omitted in store scanning, 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 a payment server 100 according to an embodiment. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory 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, flash memory, 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, content information 174, affiliated store / shop information 176, etc.

[0021] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0022] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens for electronic payment services to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while 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 user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. Registration of a telephone number and password is required when registering for an electronic payment service. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth can be set by the user (or do 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 indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown 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 ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store name. 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 store's location, and payment patterns.

[0027] The information management unit 140 manages the user information 172 and the 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, deletes, etc. the user information 172 and the affiliated store / store information 176.

[0028] [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 references the user information 172 to acquire the "payment method setting" of the user. For users 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 proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0029] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The monthly amount used for credit card payment is settled on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional settlement by adding the settlement amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the settlement amount exceeds the available credit card balance at the time of provisional settlement, an error notification is returned to the payment app 20.

[0030] After explaining the administrator terminal device 300 and the search server 400, the examination server 200 will be explained.

[0031] [Administrator terminal device] The administrator terminal device 300 is a terminal device used by an examiner who examines the application information 272. The display unit of the administrator terminal device 300 displays information provided by the examination server 200. The examiner uses the information displayed on the display unit to conduct an examination and process the application information 272.

[0032] [Search Server] The search server 400 is a search engine that acquires information related to a query in response to a request for information related to the query and provides the acquired information to the requester. The information related to the query is information acquired from a host connected to the network NW. The search server 400 is a search engine that can be used by an unspecified number of users via the network NW.

[0033] [Review server] The screening server 200 supports the screening of applications. An application is an application by an applicant (e.g., a business) to receive permission to become a member store of an electronic payment service. The applicant is a business (corporation, sole proprietor, etc.) applying to become a store (member store) that can use the electronic payment service. Support includes providing information related to the screening to the reviewer, deriving a score for the applicant indicating the suitability of the member store, and determining whether the member store is suitable. The screening server 200 may support some or all of the screening of the above application. If the application passes the above screening, the applicant can provide electronic payments using the electronic payment service to store users at the applicant's store.

[0034] FIG. 7 is a configuration diagram of the examination server 200. The examination server 200 includes, for example, a communication unit 210, an information acquisition unit 220, an information processing unit 230, and a storage unit 270. The components other than the communication unit 210 and the storage unit 270 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, ASIC, FPGA, or GPU, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0035] The storage unit 270 is a HDD, flash memory, RAM, or the like. The storage unit 270 may be a NAS device that the examination server 200 can access via a network. The storage unit 270 stores, for example, application information 272, search result information 274, comparison information 276, and other information. These pieces of information may be stored in a distributed manner in multiple storage units. Details of each piece of information will be described later.

[0036] The communication unit 210 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0037] The information acquisition unit (first acquisition unit) 220 acquires, for example, application information 272 from the applicant's terminal device. The applicant's terminal device may be, for example, the second store terminal device 70 or another terminal device. The information acquisition unit 220 includes an image acquisition unit (second acquisition unit) 222. The image acquisition unit 222 acquires an image of the store in the application information 272 or an image of the store obtained by a method different from that of the application information 272. The different method may be a method described below in [Regarding Image Acquisition], a method provided from another device, or the like.

[0038] FIG. 8 is a diagram showing an example of the contents of application information 272. Application information 272 is, for example, information required for screening and entered by the applicant into a specified form. The specified form is a form prepared by the operator of the electronic payment service, such as a form for the applicant to enter information about the affiliated store of the electronic payment service, which is required to be managed under the Installment Sales Act. Application information 272 includes multiple items of information. The multiple items include, for example, the trade name, representative information (name), store address, business name (corporate name or sole proprietorship name), telephone number, email address, store URL (Uniform Resource Locator), business details (e.g., merchandise: products handled, services), images related to the store, and the store's business format. The information included in application information 272 above is an example, and other information may be included, or some information may be omitted.

[0039] Images related to a store are, for example, images submitted by the store that show the store's name or the merchandise the store handles. The images are images that allow the viewer to recognize the store's name, such as a store sign, or images that allow the viewer to recognize the merchandise (such as products and services) offered by the store (for example, images of the store interior including products for sale or images of menus). Images are included in application information 272 for stores that provide face-to-face services, but may not be included in application information 272 for stores that do not provide face-to-face services (online stores).

[0040] The store's business format is information indicating whether the store provides services face-to-face, whether the store provides services online rather than face-to-face, or whether the store provides services in both business formats.

[0041] [Crawling using application information (1)] The information processing unit 230 performs crawling using the application information 272 and the search server 400. The information processing unit 230 generates a query from the application information 272 and requests the search server 400 to perform a search using the generated query.

[0042] The information processing unit 230, for example, constructs a query by combining words from two or more items in the application information 272, and crawls using the constructed query to obtain search results. The query is constructed, for example, by combining words from different items in the application information 272. The information processing unit 230 performs crawling using a query that combines any two words from, for example, the trade name, representative information (name), store address, business name (corporate name or sole proprietorship name), telephone number, email address, store URL, and business details (e.g., products offered, services). The information processing unit 230 displays the acquired search results on a display unit that is visible to the examiner who examines the application information 272. The examiner compares the search results with the application information 272 to conduct the examination.

[0043] [Crawling using application information (2)] Furthermore, the information processing unit 230 acquires search results from a search engine that provides services via a network using a query containing information on one or more items of the multiple items in the application information 272 (for example, a trade name, representative information, or a combination thereof) and one or more negative or positive words, and displays the acquired search results on the display unit. Negative words are, for example, words that indicate an inappropriate store as a franchisee, similar words, or words that indicate a bad reputation. Positive words are words that indicate an appropriate store as a franchisee, similar words, or favorable reviews.

[0044] FIG. 9 is a diagram showing an example of a search result. The search result includes information on multiple web pages related to the query (e.g., IF1-IF5, etc.). The information processing unit 230 extracts information on a predetermined number of web pages from the information on multiple web pages related to the query included in the search result, and executes processing to display the extracted information on the predetermined number of web pages on a display unit visually recognized by an examiner who examines the application information 272. The information processing unit 230 extracts information on, for example, the top five web pages. The top five are the top five with the highest relevance to the query. The extracted web page information may be information displayed in the search result as shown in FIG. 10, or may include information that can be obtained after linking to a link destination. The information processing unit 230 stores the extracted search result in the storage unit 270 as search result information 274.

[0045] As described above, the information processing unit 230 can automatically acquire information to be used for the examination, thereby reducing the burden on the administrator (examiner).

[0046] [Processing crawling results] The information processing unit 230 displays the acquired search results on a display unit that is visible to the examiner who examines the application information 272. The information processing unit 230 provides comparison information that aggregates and processes the search results. FIG. 10 is a diagram showing an example of the comparison information 276. The information processing unit 230 arranges the search results corresponding to the queries in association with the queries. For example, as shown in FIG. 10, the information processing unit 230 arranges the query Q1 and the search results for query Q1, and the search results for query Q2 and the search results for query Q2. Instead of (in addition to) the queries, the application information 272 may be associated with the search results.

[0047] In the example of Figure 10, queries are made up of a combination of information from one item of application information 272 and a negative word. Query Q1 is a combination of "representative information (name)" and a "negative word." Query Q2 is a combination of "trade name" and a "negative word."

[0048] For example, the information processing unit 230 may process the search results so that information that matches or matches the query or words contained in the query is emphasized more than other information. The information processing unit 230 may process the aggregated search results so that parts that match or match the query or words contained in the query stand out by enclosing or highlighting them as shown in FIG. 10. A match may mean that a part of the query or a word contained in the query matches, or that a similar word that is similar to a preset query or a word contained in the query matches. A similar word is a preset word that differs in case, or by only one character.

[0049] In the processing for processing to make the results more conspicuous, the information processing unit 230 may only target the search results of the target query, or may target the search results of other queries. For example, in processing for query Q1, the information processing unit 230 may target a mode of highlighting parts that match or coincide with query Q1 or words included in query Q1 included in the search results for query Q1, or may target a mode of highlighting parts that match or coincide with query Q1 or words included in query Q1 included in the search results for query Q2. The information processing unit 230 stores the information in which parts that match or coincide with the query or words included in the query are highlighted as comparison information 276 in the storage unit 270.

[0050] The information processing unit 230 provides the content including the comparison information 276 to the administrator terminal device 300, and causes the content to be displayed on the display unit of the administrator terminal device 300. This allows the examiner to refer to the content (for example, the information shown in FIG. 10) displayed on the display unit of the administrator terminal device 300 and determine whether the store in the application information 272 is suitable as an affiliated store.

[0051] 10, the information processing unit 230 may assign a reliability to the search results. For example, a high reliability may be assigned to information on a web page provided by a pre-set highly reliable provider. For example, a highly reliable provider may be, for example, a predetermined information providing service, an official URL of a store, or a URL with the store name as the URL.

[0052] Furthermore, if the number of pieces of web page information included in the search results is equal to or less than a threshold, the information processing unit 230 may determine that the aggregated web page information has low reliability and add information indicating low reliability to the search results. Conversely, if the number of pieces of web page information included in the search results exceeds a threshold, the information processing unit 230 may determine that the aggregated web page information has low reliability and add information indicating low reliability to the search results. Furthermore, if the reliability is low, only information indicating low reliability may be presented to the reviewer.

[0053] In addition, if the number of web page information included in the results of a search using a query is below a threshold, the information processing unit 230 may not aggregate the search results, but may instead generate information indicating that sufficient web page information cannot be obtained, and notify the examiner of the generated information.

[0054] In addition, instead of highlighting words that match or coincide with the query or words contained in the query, the information processing unit 230 may extract matching or similar words or sentences (predetermined areas) containing matching or similar words, and aggregate and process the extracted sentences (predetermined areas).

[0055] In addition, if each of the words included in the query is included in any of the search results, or if a predetermined number of words are included in the search results, the information processing unit 230 may omit presenting the search results to the reviewer, and instead present information about the next review process or proceed with the review process.

[0056] Furthermore, the information processing unit 230 may acquire search results from multiple different types of search servers 400 and use the acquired multiple results to support the examination of the reliability of the description of the application information 272. For example, the information processing unit 230 may acquire a predetermined number of top search results from each search server 400, or may acquire a predetermined number of results according to the reliability of the search server 400.

[0057] [Summary so far] If the examiner does not use the processing of this embodiment, the examiner must generate a query, use the query to perform a search, and aggregate and process the search results. Furthermore, the examiner must conduct an examination by making a detailed comparison between the aggregated and processed information and the application information 272. For this reason, the examination places a heavy burden on the examiner in terms of time and effort.

[0058] In contrast, in this embodiment, the examiner does not need to generate a query, use the query to perform a search, or aggregate and process the search results. Furthermore, the examiner can easily recognize information corresponding to the application information 272 from the aggregated and processed information. Therefore, the processing of this embodiment can reduce the burden on the examiner.

[0059] Furthermore, the reliability of the application information 272 may be assessed using information from a database that provides information on corporations and the like, but information on newly established corporations, sole proprietors, etc. may not be available from the database. Also, information available from the database alone may not be sufficient to obtain information about the actual applicant. This embodiment can assist examiners in more easily assessing the application information 272 of applicants for whom it is difficult to obtain the information referenced in assessing such application information 272, thereby reducing the burden on the examiner.

[0060] [Processing application information using images] The information processing unit 230 executes processing for displaying the application information 272 and the image in a manner that allows them to be compared on a display unit that is visible to an examiner who examines the application information 272. The information processing unit 230 executes processing for displaying, for example, an image including information about the store that is included in the application information 272 and the application information 272 in a manner that allows them to be compared on the display unit.

[0061] The above processing may be performed for applications from stores that provide face-to-face services, but not for applications from stores that do not provide face-to-face services, or it may be performed for applications from both stores.

[0062] The information processing unit 230 executes processing to display on the display unit an image of a store in which the store name included in the application information 272 has been captured and the store name in the application information 272 so that they can be compared. The information processing unit 230 generates comparison information that processes the image of the store and the application information 272 so that they can be compared, and displays the generated information on the display unit. FIG. 11 is a diagram showing an example of the generated information. While FIG. 11 shows an image of the store's exterior, other images from which the store name can be recognized may also be used. As shown in FIG. 11, the examiner can compare the application information 272 with the image including the store's name, and can easily examine the accuracy of the store name in the application information 272.

[0063] The information processing unit 230 executes processing to display on the display unit an image of a store in which the merchandise included in the application information 272 has been captured and the merchandise in the application information 272 so that they can be compared. The information processing unit 230 generates comparison information that processes the image of the merchandise and the application information 272 so that they can be compared, and displays the generated information on the display unit. FIG. 12 is a diagram showing another example of the generated information. While FIG. 12 shows an image of a menu list of merchandise, other images from which the merchandise can be recognized may also be used. As shown in FIG. 12, the examiner can compare the application information 272 with the image containing the merchandise from the store, and can easily examine the authenticity of the merchandise in the application information 272.

[0064] When the information processing unit 230 receives an operation that the examiner judges to be positive in comparison (for example, when the confirmation button in Figures 11 and 12 is operated), it executes processing to conduct the next examination for the subject of examination (for example, processing to provide the next examination screen), or processing to grant permission as a store that can use electronic payment services (for example, processing to notify the store that is the subject of examination that it has passed the examination, or processing to register it as an affiliated store).

[0065] [Sequence diagram] 13 is a sequence diagram showing an example of the flow of processing executed by the search server 400, the examination server 200, and the administrator terminal device 300. In the following processing, either the processing using the results of a search using a query (S102-108) or the processing using an image (S110) may be omitted.

[0066] First, the examination server 200 acquires the application information 272 (S100) and generates a query using the application information 272 and negative or positive words (S102). Next, the examination server 200 transmits the generated query to the search server 400 to request a search (S104). Next, the examination server 200 acquires the search results from the search server 400 (S106).

[0067] Next, the examination server 200 generates comparison information using the search results (S108). This comparison information is information that allows the examiner to visually compare, for example, the search results with the application information 272. Next, the examination server 200 generates comparison information using an image (S110). This comparison information is information that allows the examiner to visually compare, for example, an image of a store with the application information 272. Next, the examination server 200 provides the generated comparison information to the administrator terminal device 300 (S112).

[0068] The administrator terminal device 300 displays the provided comparison information on the display unit (S114). For example, the information shown in Figures 10-12 above is displayed on the display unit. Next, the administrator terminal device 300 accepts the results of the review by the reviewer who referenced the comparison information (S116) and transmits the accepted results of the review to the review server 200 (S118). The results of the review include the results of various reviews in addition to the review using the above-mentioned comparison information. Next, the review server 200 confirms the results of the review based on the transmitted information (S120).

[0069] As described above, the examination server 200 automatically generates comparison information using search results and images and presents the information to the examiner, thereby reducing the burden on the examiner.

[0070] [flowchart] When the store to be reviewed is a store that provides face-to-face services, the information processing unit 230 executes a first process for displaying the application information 272 and the image in a comparable manner on a display unit that is visible to an examiner reviewing the application information 272, thereby allowing the examiner to review the authenticity of the application information 272. When the store to be reviewed is not a store that provides face-to-face services, the information processing unit 230 does not execute the first review process.

[0071] Figure 14 is a flowchart showing an example of the flow of processing executed by the examination server 200. The processing in the sequence diagram of Figure 13 described above did not take into account the business format of the store, but the content of the examination to be carried out may be changed depending on the business format of the store as follows. The following explanation focuses on the process for determining the content of the examination.

[0072] First, the examination server 200 acquires the application information 272 (S200). Next, the examination server 200 determines whether the business form included in the application information 272 is a face-to-face business form (S202).

[0073] If the business is a face-to-face business, the screening server 200 executes the first screening process (S204). If the business is not a face-to-face business, the screening server 200 executes the second screening process (S206). The screening server 200 acquires and confirms the results of the screening (S208). This ends the processing of this flowchart.

[0074] Here, the first screening process is a screening process that includes at least an image of the application information 272 and a screening using the application information 272. The second screening process is a screening process that does not include at least an image of the application information 272 and a screening using the application information 272.

[0075] For example, in the case of an online store, since the store provides services to users online, it is possible to perform a highly accurate screening by collecting information via a network and conducting a screening based on the collected information. In contrast, in a store that operates face-to-face, since users actually visit the store to receive services, it may not be possible to perform a highly accurate screening based solely on information collected via a network, or on information collected via a network alone. For this reason, as described above, the screening server 200 can more accurately determine whether a store is suitable as a member store by conducting a screening using actual images of the store.

[0076] [Other examples of providing comparative information] The information processing unit 230 may display the analyzed image in an emphasized manner to make it easier for the examiner to recognize the area to be judged that is included in the image. FIG. 15 is a diagram showing another example of the comparison information. As shown in FIG. 15, the information processing unit 230 may recognize an area in the image where text information is displayed, and display the comparison information on the display unit in a manner that emphasizes that area. The process of identifying the area of ​​text information may use a known image processing technique or a known machine learning model.

[0077] The information processing unit 230 may display the area used for the review in a highlighted manner instead of text information. The area used for the review may be an area where the store name is written, an area including a menu, or the like. In this case, a trained model is used. This trained model is a model that has been trained to output information about the area used for the review when an image is input. The trained model is a model that has learned learning information that associates an image with an area in the image that is used for the review.

[0078] [Another example of image-based screening (1)] The information processing unit 230 may execute one or both of the following (1) and (2). (1) The information processing unit 230 analyzes the image to identify the store name contained in the image, and displays the identified store name on the display unit so that it can be compared with the store name contained in the application information 272. (2) The information processing unit 230 analyzes the image to identify the merchandise included in the image, and displays the identified merchandise on the display unit so that it can be compared with the merchandise of the store included in the application information 272.

[0079] 16 is a flowchart showing an example of the processing flow executed by the examination server 200. First, the examination server 200 acquires an image included in the application information 272 (S300). Next, the examination server 200 performs image processing to identify the store name and merchandise from the image (S302). Next, the examination server 200 compares the store name and merchandise in the application information 272 with the store name and merchandise in the application information 272 and provides the comparison results to the administrator terminal device 300 (S304). This completes the processing of one routine of this flowchart.

[0080] FIG. 17 is a diagram illustrating a process for identifying a store and a commercial product from an image. As shown in FIG. 17, a store name is identified as text information from an image including the store name, and information indicating the type of commercial product, such as ramen or food and drink, is identified from an image including ramen, which is the commercial product. For example, the above information is identified using a publicly known image processing technique or trained model. For example, the trained model is a model trained to output the above information (store name, commercial product information) when an image is input. The trained model is a model that has learned training information in which an image is associated with the store name and commercial product information (correct answer data) in the image. Note that the trained model may include a model for identifying a store name and a model for identifying a commercial product. In this case, each model is a model that has learned training data in which the desired information is correct answer data.

[0081] As described above, the examination server 200 can automatically identify the store name or product information from the image and provide it to the examiner, thereby reducing the burden on the examiner.

[0082] [Another example of image-based screening (2)] The information processing unit 230 may execute one or both of the following (3) and (4): That is, a match between the image information and the store-related information may be determined automatically. (3) The information processing unit 230 analyzes the image to identify the store name contained in the image, determines whether the identified store name matches the store name contained in the application information 272, and displays the result of the determination on the display unit. For example, if the store name obtained from the image is "AAA" and the store name in the application information 272 is "AAA," the result of the determination that the information in the image matches the application information 272 is displayed on the display unit. (4) The information processing unit 230 analyzes the image to identify the product contained in the image, determines whether the identified product matches the product of the store contained in the application information 272, and displays the result of the determination on the display unit. For example, if the product obtained from the image is "ramen" and the product in the application information 272 is "ramen," the result of the determination that the image information matches the application information 272 is displayed on the display unit. Note that information associating the product name with words similar to the product name may be referenced, and a positive determination may also be made if the product name matches a word similar to the product name. For example, a place where the application information 272 is "food and drink" may also be determined to match "ramen."

[0083] As described above, the review server 200 automatically determines whether the store name or product information from the image matches the application information 272, and provides the review server with the results of the determination, thereby reducing the burden on the review server.

[0084] [Another example of image-based judging (3)] The information processing unit 230 may execute processing to display on the display unit an image of a store in which merchandise from the store is captured, in a manner that allows comparison with merchandise that is prohibited from being handled as a store where electronic payment services can be used. For example, prohibited merchandise is set in advance. Information on a list of prohibited merchandise is stored in the memory unit 270 of the examination server 200. The information processing unit 230 may display on the display unit, in a manner that allows comparison with the merchandise obtained from the image using the above-described processing, in a manner that allows comparison with the merchandise included in the list.

[0085] The information processing unit 230 may analyze an image of the store in which the store's merchandise was captured, identify the merchandise contained in the image, determine whether the identified merchandise is a merchandise that is prohibited from being handled as a store that accepts electronic payment services, and display the result of the determination on the display unit.

[0086] As described above, the examination server 200 can help reduce the burden on examiners when examining commercial products.

[0087] [About image acquisition] In the above example, the image including the store name or merchandise is described as being included in the application information 272. However, instead of (or in addition to) this, the image may be obtained in a manner different from the application information 272, as follows: The examination server 200 may acquire an image of the store (e.g., an image including the store name or merchandise) published on the network via the network. The image of the store published on the network may be, for example, an image posted on the store's homepage, an image posted on a map information service that introduces the store, or an image posted on an information provision service that introduces the store.

[0088] The information processing unit 230 obtains search results from the search server 400 using, for example, the store name, the URL of the store's web page, and information about the representative included in the application information 272. The information processing unit 230 may obtain images related to the store from the search results. FIG. 18 is a diagram showing a list of store web pages. The information processing unit 230 may obtain images such as image IM1 and image IM2 and perform the above-described processing to provide the examiner with the images or information obtained from the images, or may provide information indicating the results of the judgment using the images.

[0089] As described above, the examination server 200 can examine the subject of examination more accurately by using an image different from the image included in the application information 272.

[0090] According to the embodiment described above, the review server 200 acquires application information 272 for approval as a store where electronic payment services can be used, and either or both of an image of the store included in the application information 272 and an image of the store obtained by a method other than the application information, and executes processing to display the application information 272 and the image in a comparable manner on a display unit visible to the reviewer reviewing the application information 272, thereby reducing the burden on the operator (e.g., reviewer).

[0091] 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]

[0092] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 200 Review Server 220 Information Acquisition Department 222 Image acquisition unit 230 Information Processing Department 272 Application information 300 Administrator terminal device 400 Search Server

Claims

1. a first acquisition unit that acquires application information for obtaining permission to become a store that can use electronic payment services; a second acquisition unit that acquires one or both of an image of the store included in the application information and an image of the store obtained by a method different from the application information; an information processing unit that executes processing to display the application information and the image in a comparable manner on a display unit that is visible to an examiner who examines the application information; An information processing device comprising:

2. the information processing unit executes a process for displaying, on the display unit, an image including information about the store included in the application information so as to be comparable with the application information; The information processing device according to claim 1 .

3. the information processing unit executes a process for displaying on the display unit an image of the store in which the store name included in the application information is captured and the store name included in the application information in a manner that allows comparison between the image and the store name. The information processing device according to claim 2 .

4. the information processing unit executes a process for displaying, on the display unit, an image of the store in which the commercial product included in the application information is captured and the commercial product included in the application information so as to be comparable with each other; The information processing device according to claim 2 .

5. When the information processing unit receives an operation for which the examiner has determined that the comparison is positive, the information processing unit executes a next examination or a process for permitting the store to use the electronic payment service.

5. The information processing device according to claim 3.

6. the second acquisition unit acquires, via a network, an image of the store that has been made public on the network; The information processing device according to claim 1 .

7. The image of the store published on the network is an image posted on the homepage of the store, an image posted on a map information service introducing the store, or an image posted on an information providing service introducing the store. The information processing device according to claim 6 .

8. The information processing unit executes one or both of the following (1) and (2): (1) Analyzing the image to identify the store name included in the image, and displaying the identified store name and the store name included in the application information on the display unit so that they can be compared; (2) Analyzing the image to identify the merchandise included in the image, and displaying the identified merchandise on the display unit so that it can be compared with the merchandise of the store included in the application information. The information processing device according to claim 1 .

9. The information processing unit executes one or both of the following (3) and (4): (3) Analyzing the image to identify the store name contained in the image, determining whether the identified store name matches the store name of the store contained in the application information, and displaying the result of the determination on the display unit; (4) Analyzing the image to identify the merchandise included in the image, determining whether the identified merchandise matches the merchandise of the store included in the application information, and displaying the result of the determination on the display unit. The information processing device according to claim 1 .

10. The information processing unit If the store to be reviewed is a store that provides face-to-face services, a first process is executed to display the application information and the image in a comparable manner on a display unit that is visible to an examiner reviewing the application information, thereby allowing the examiner to review the authenticity of the application information; If the store to be examined does not provide face-to-face services, the first process is not executed. The information processing device according to claim 1 .

11. the information processing unit executes a process for displaying on the display unit an image of the store in which merchandise at the store is captured and merchandise that is prohibited from being handled as a store where the electronic payment service can be used, in a manner that allows comparison between the image and the merchandise. The information processing device according to claim 1 .

12. the information processing unit analyzes an image of the store in which the merchandise of the store is captured, identifies the merchandise included in the image, determines whether the identified merchandise is a merchandise that is prohibited from being handled by a store that accepts the electronic payment service, and displays the result of the determination on the display unit; The information processing device according to claim 1 .

13. The information processing unit obtains a search result searched by a search engine that provides a service via a network using a query including information on one or more items among a plurality of items included in the application information and one or more negative words or positive words, Displaying the acquired search results on the display unit. The information processing device according to claim 1 .

14. The computer Obtain application information to obtain permission to operate a store that accepts electronic payment services, Acquire one or both of an image of the store included in the application information and an image of the store obtained by a method different from the application information; Execute a process for displaying the application information and the image in a manner that allows comparison between the application information and the image on a display unit that is visible to an examiner who examines the application information. Information processing methods.

15. On the computer, Obtain application information to obtain permission to operate a store that accepts electronic payment services, acquiring one or both of an image of the store included in the application information and an image of the store obtained by a method different from that of the application information; Execute a process to display the application information and the image in a manner that allows comparison between the application information and the image on a display unit that is visible to an examiner who examines the application information. program.

Images