Information processing method, program, and information processing apparatus

Abstract

To provide an information processing method capable of more flexibly giving a privilege to a user.SOLUTION: An information processing method executed by an information processing apparatus includes acquiring a past payment of a user, specifying a privilege that can be acquired in a case where it is assumed that the user satisfies a predetermined condition at a time of the past payment, and associating at least a part of the privilege with the user in a case where the user satisfies at least a part of the predetermined condition.SELECTED DRAWING: Figure 6

Description

[Technical Field]

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

[0002] Currently, when a payment is made by credit card, etc., a benefit (for example, points) is given to the user. For example, Patent Document 1 discloses a system that enables points or coupons to be mutually converted, thereby enabling points or coupons acquired by different means to be appropriately used. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2015-143901 Summary of the Invention [Problem to be solved by the invention]

[0004] In order for a user to receive a benefit, they must meet certain conditions. For example, if a payment is made with credit card A, points A equivalent to 1% of the amount used are awarded. In this case, making a payment using credit card A is a condition for the user to receive points A. However, there is a problem in that users who do not meet certain conditions at the time of payment cannot receive the benefit.

[0005] Therefore, an object of the present disclosure is to provide an information processing method, a program, and an information processing device that can more flexibly grant benefits to users. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device that acquires a user's past payments, identifies benefits that the user could have obtained if the user had satisfied certain conditions at the time of the past payments, and, if the user satisfies at least some of the certain conditions, associates at least some of the benefits with the user. [Brief explanation of the drawings]

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of a block diagram showing an example of a configuration of an information processing system according to an embodiment, an example of a hardware configuration of a server according to the present disclosure, and an example of a hardware configuration of a terminal according to the present disclosure. [Figure 2] FIG. 4 is a diagram illustrating an example of user information according to the embodiment. [Figure 3] FIG. 4 is a diagram illustrating an example of account information according to the embodiment. [Figure 4] FIG. 10 is a diagram illustrating an example of payment management information according to the embodiment. [Figure 5] FIG. 10 is a diagram illustrating an example of a flowchart of processing of the information processing system according to the embodiment. [Figure 6] FIG. 10 is a diagram illustrating an example of a screen displayed on a screen of a terminal according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0008] <Legal compliance> The disclosures described herein are implemented in compliance with the laws and regulations of each country in which the disclosures are implemented, and are implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make that are necessary to comply with the laws and regulations of each country.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the accompanying drawings. <System configuration> 1 discloses a configuration of an information processing system 1 according to an embodiment of the present disclosure. In the information processing system 1, servers 110A, 110B, terminals 120A, 120B, and 120C, and one or more servers 150 that cooperate with server 110A are connected via a network 130. For example, by cooperating with server 150, server 110A can obtain information related to services provided by server 150 (e.g., credit information providing service, cryptocurrency trading service, job information providing service, etc.).

[0010] When there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110. Note that the number of servers 110 connected to network 130 is not limited.

[0011] When there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be expressed as terminal 120. Note that the number of terminals 120 connected to network 130 is not limited.

[0012] The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. The predetermined services include, but are not limited to, payment services, financial services, e-commerce services, social networking services (SNS) such as instant messaging services, and content provision services such as music, videos, and books. The server 150 builds a platform for collecting users' credit information and provides, for example, a credit information provision service to the terminal 120. The server 150 also builds a job information platform for providing job information and provides, for example, a job service to the terminal 120. The server 150 also builds a trading platform for currencies or property rights with fluctuating value and provides, for example, a cryptocurrency trading service to the terminal 120.

[0013] The servers 110 and 150 may provide one or more of their respective services individually, or may provide one or more of their respective services together. The servers 110 and 150 provide their respective services to one or more terminals 120, allowing users to use the respective services via the terminals 120.

[0014] As necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with the user in a predetermined service, which is associated with user X or terminal 120X, will be referred to as user information X. User information may include, but is not limited to, information associated with the user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by the predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0015] The network 130 connects two or more servers 110, 150 or two or more terminals 120. The network 130 provides a connection path so that the terminal 120 can connect to the servers 110, 150 and then transmit and receive data.

[0016] One or more portions of network 130 may be a wired network or a wireless network. Network 130 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the public switched telephone network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or any combination thereof. Network 130 may include one or more networks 130.

[0017] Servers 110, 150 and terminal 120 may be any information processing device capable of implementing the processes, functions or methods described in this disclosure.

[0018] Servers 110, 150 and terminal 120 may be, for example and without limitation, smartphones, mobile phones (feature phones), computers (for example and without limitation, desktops, laptops, tablets, etc.), server devices, media computing platforms (for example and without limitation, cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (for example and without limitation, PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (for example and without limitation, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, or any combination thereof. <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of the server 110 included in the information processing system 1 will be described with reference to FIG.

[0019] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmitter / receiver 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not by way of limitation.

[0020] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transceiver 117.

[0021] The processor 111 executes processes, functions, or methods implemented by code or instructions included in a program stored in the storage 113. The processor 111 may include, but is not limited to, one or more central processing units (CPUs), microprocessing units (MPUs), graphics processing units (GPUs), microprocessors, processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., and may implement the processes, functions, or methods disclosed in each embodiment using logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0022] The memory 112 temporarily stores the program 1121 loaded from the storage 113 and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example, but not limited to, a random access memory (RAM), a read only memory (ROM), or a combination of these. The storage 113 stores programs and various data. The storage 113 may be, for example, but not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0023] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the results of processing performed by the server 110 .

[0024] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0025] The output device 116 may be any of a variety of devices capable of outputting the processing results of the processor 111 via the input / output I / F 114, or a combination thereof. When the processing results are output as video or video images, the output device 116 may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. The output device 116 may be, but is not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0026] The input device 115 and the output device 116 may be integrated, or may be separate devices.

[0027] The transmitting / receiving unit 117 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The transmitting / receiving unit 117 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 117 transmits various data to other information processing devices in accordance with instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits it to the processor 111. Note that the server 150 has the same devices as the server 110, and therefore a description thereof will be omitted.

[0028] (2) Hardware configuration of the terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0029] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitter / receiver 127, and a reader 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not by way of limitation.

[0030] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transceiver 127, and reader 128.

[0031] The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 may include, but is not limited to, a central processing unit (CPU), a microprocessing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may implement the processes, functions, or methods disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0032] The memory 122 temporarily stores the program 1221 loaded from the storage 123 and provides a working area for the processor 121. The memory 122 also temporarily stores various data generated while the processor 121 is executing the program 1221. The memory 122 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0033] The storage 123 stores programs and various data. The storage 123 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0034] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 and an output device 126 for outputting the results of processing performed by the terminal 120 .

[0035] The input device 125 is realized by any one of or a combination of all types of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0036] The output device 126 may be any of a variety of devices capable of outputting the processing results of the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0037] The input device 125 and the output device 126 may be integrated, or the input device 125 and the output device 126 may be separate.

[0038] The transmitting / receiving unit 127 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The transmitting / receiving unit 127 has a function of communicating with other information processing devices via the network 130. The transmitting / receiving unit 127 transmits various data to other information processing devices in accordance with instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits the data to the processor 121. (3) Other Cloud computing, which is configured by one or more information processing devices, may implement at least a part of the processes, functions, or methods of the servers 110 and 150 or the terminal 120.

[0039] Another information processing device may implement at least a part of the processing, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may implement at least a part of the processing implemented by the processor 111 or the processor 121.

[0040] A program for executing the processes of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may be, for example and without limitation, a software program or a computer program.

[0041] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tape, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0042] Furthermore, the program of the present disclosure may be provided to the server 110, 150 or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0043] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0044] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift (registered trademark), Kotlin (registered trademark), Java (registered trademark), etc.

[0045] <Other> Unless explicitly stated otherwise, the judgment configuration in the embodiments of the present disclosure is not required, and a predetermined process may be performed when the judgment condition is met, or when the judgment condition is not met. The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination, that a person skilled in the art may make, of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure. In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or operable, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

[0046] Unless otherwise specified, the present disclosure may obtain consent from a user in advance or immediately before implementing any embodiment or example of the present disclosure, and the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0047] <Embodiment> The embodiment is, for example, an embodiment that allows more flexibility in granting rewards to users.

[0048] In some embodiments, a user can receive a reward if he or she subsequently fulfills certain conditions related to the granting of the reward. This provides an incentive for the user to fulfill the certain conditions in order to receive the reward, and also encourages further e-commerce transactions using the reward thus obtained, thereby promoting the use of e-commerce.

[0049] <Configuration of the embodiment> The configuration of the server 110 and the terminal 120 will be described with reference to FIG. (1) Server configuration The server 110 includes a processor 111 , a memory 112 , a storage 113 , an input / output I / F 114 , an input device 115 , an output device 116 , and a transmission / reception unit 117 .

[0050] The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible. The input / output I / F 114 receives various setting operations and the like from the business operators who operate the various services provided by the server 110 via the input device 115 or the output device 116 .

[0051] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. Note that the transmitting / receiving unit 117 connects a communication session with the terminal 120, etc., using HTTPS, etc., when the user of the terminal 120, etc., is authenticated, for example, by a user ID and password included in a login request from the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0052] In an embodiment, memory 112 stores a program 1121, user information 1122, account information 1123, payment management information 1124, an acquisition processing module 1125, a specific processing module 1126, a granting processing module 1127, a payment processing module 1128, a transaction processing module 1129, a display processing module 1130, and data structures, or a subset thereof. Note that the information stored in memory 112 may be stored in another storage device (e.g., storage 113).

[0053] As described above, the program 1121 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. The program 1121 may also include instructions for executing processing to provide a payment service and / or an e-commerce service to the user.

[0054] 2 shows an example of user information 1122 according to the embodiment. In the user information, information about each member user created by the company that provides the payment platform is managed.

[0055] "User ID" includes user identification information (user ID: Identifier) ​​that allows server 110 to uniquely identify the user. "Password" includes a password for user authentication. "Name" includes the user's name. "Personal Identification" registers whether or not the user has completed personal identification based on the Act on Prevention of Transfer of Criminal Proceeds. If personal identification has been completed, it is written as "Completed," and if personal identification has not been completed, it is written as "Not yet."

[0056] The "payment method" includes information about payment methods that the user can use for payment. Examples of payment methods include balance payment, in which the user pays using the balance of electronic money held by the user; convenience store payment; ATM payment; lump-sum payment by credit card (also called "Credit Card"); installment payment by credit card; "deferred payment," in which a lump sum is paid using electronic money or an ATM within a predetermined period from the following month; "fixed-amount deferred payment," in which a fixed amount is paid repeatedly using electronic money or an ATM from the following month; and payment by a specific credit card (lump sum payment and installment payment). The specific credit card is a credit card issued by a pre-designated business operator, and may be, for example, a credit card issued by a business operator that provides payment services. In addition to the above examples, the user information may also include an email address, annual income, address, date of birth, occupation, whether or not the user has a license to operate an electric power company, the driver's license number if one is available, the My Number card number, and information used when the user uses the e-commerce platform.

[0057] 3 shows an example of account information 1123 according to the embodiment. The account information manages information about each user's account created by, for example, a payment service provider. The payment service provider may be, for example, a party that operates and manages an electronic payment service.

[0058] The "user ID" includes user identification information that allows the server 110 to uniquely identify the user. The "balance" includes the balance of electronic money (or electronic value) in the account held by the user. Electronic money is, for example, cash converted into digital form and is monetary value that can be used for payment.

[0059] In the example shown in FIG. 3, the balance includes the charge amount, sales amount (profit), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount that a user deposits from their own bank account to an account created by a business operator. The sales amount indicates, for example, the revenue that a user earns by listing and selling products on a linked e-commerce platform. Points 1 are, for example, points that a user earns by converting sales amount and are usable on a linked e-commerce platform. Points 2 are, for example, points that a third party, such as a business operator, grants to a user and are usable on payment services and e-commerce platforms.

[0060] The user can charge any amount to the account balance once they have completed identity verification by entering their bank account information in the application provided by the operator and associating their user ID with their bank account. Note that the charge amount can also be charged at convenience stores and other locations in addition to bank accounts. Hereinafter, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be referred to as "after identity verification," and if identity verification has not been completed, it will be referred to as "before identity verification."

[0061] Points 1 are paid points converted from sales amounts for transactions on the e-commerce platform by the user before the bank connection, and an expiration date may be set for Points 1. The expiration date is, for example, six months. Points 1 can be withdrawn from sales amounts after the bank connection is established, so there is no need to convert them into new Points 1 and hold them. Therefore, Points 1 held before the bank connection gradually decrease with use. Note that a bank connection is a state in which a user's account is associated with a bank account held by the user. Note that a bank connection is a state in which an account held by a user according to this embodiment is linked to a bank account used by the user.

[0062] Point 2 is a free point distributed or given to a user by a business operator or the like, and an expiration date may be set for Point 2. The expiration date for Point 2 may be set to be shorter than the expiration date for Point 1.

[0063] FIG. 4 shows an example of the payment management information 1124 according to an embodiment. The payment management information manages history information related to payments made by each user. The "payment ID" includes identification information (payment ID) for uniquely identifying the payment. The "date and time" includes the date and time the payment was completed. The "payee ID" includes information on the destination to which the payment amount is to be paid (also referred to as the "payee ID"). The payee may be a physical store, an e-commerce platform, an online store, etc. The "payment amount" includes the amount paid by the payment. The "payment method" includes information on the payment method used for the payment. The payment method may be any of the payment methods described in the "payment method" of the user information 1122. The "payment status" includes information on whether the user has paid the entire payment amount. If the user selects installment payment or fixed-amount deferred payment, the "payment status" includes the payment deadline for each payment, the payment amount, and information indicating whether the user has paid. "Completed" means that payment has been completed, and "Not yet" means that payment has not been completed.

[0064] In this embodiment, if a user has previously made a payment and there is a benefit that the user would have received if certain conditions had been met, the user can later obtain at least a portion of the benefit by fulfilling at least some of the certain conditions. The following describes the process by which the payment platform grants a benefit to a user after the fact.

[0065] Returning to FIG. 1, the acquisition processing module 1125 stored in the memory 112 is executed by the processor 111 to acquire the user's past payments (which may also be referred to as payment history) made through the payment platform. For example, the acquisition processing module 1125 may acquire the user's past payments by accessing the payment management information 1124. Note that the user's past payments may include services other than those provided by the server 110 (e.g., other payment services), and the payment history may be acquired through collaboration with a PFM (Personal Financial Management) service that collaborates with the other payment services.

[0066] The identification processing module 1126 stored in the memory 112 is executed by the processor 111 to identify the benefits that the user could have obtained if the user had met certain conditions during a previous payment made through the payment platform.

[0067] Here, the reward may have a predetermined value that is awarded based on the payment amount of the user's past payments. For example, the predetermined value may be points that can be used for payments, a discount on e-commerce transaction fees, or an item. The points awarded as the reward may be the aforementioned points 1 or points 2.

[0068] The predetermined conditions are conditions under which a user is granted a benefit when making a payment. The predetermined conditions are not limited to, but may include, for example, that the payment is made using a specified specific credit card, that the payment is made by selecting "deferred payment" as the payment method, that the user is using a specified specific service, or that the user has linked an account for a payment service with an account for a specific service other than the payment service. In the following description, for convenience, the "predetermined conditions" will be referred to as "benefit granting conditions."

[0069] As an example, a specific example will be described in which the reward condition is that the user possesses credit card A and makes a payment using credit card A. It is assumed that when a payment is made using credit card A, the user receives a point rebate equal to 5% of the payment amount. It is also assumed that the user does not possess credit card A but has previously made a payment of 100,000 yen. In this case, the target payment amount is identified as 100,000 yen, and if the user had previously made a payment of 100,000 yen using credit card A, the user would have received a rebate of 5,000 points. Therefore, the identification processing module 1126 identifies 100,000 yen as the target payment amount and determines that the reward that the user could have earned if the reward condition were met is 5,000 points.

[0070] The granting processing module 1127 stored in the memory 112 is executed by the processor 111 to associate at least a portion of the benefits identified by the identification processing module 1126 with a user when the user satisfies at least a portion of the predetermined conditions. "At least a portion of the predetermined conditions" may be the same as the benefit granting conditions. Furthermore, if the benefit granting conditions include multiple conditions, "at least a portion of the predetermined conditions" may be some of the multiple conditions. In the following description, "at least a portion of the predetermined conditions" will be referred to as "post-conditions" for convenience. Furthermore, "at least a portion of the benefits" associated with a user will be referred to as "post-granted benefits" for convenience. Furthermore, associating a post-granted benefit with a user may mean granting the post-granted benefit to the user and adding the post-granted benefit to the user's account. In the following description, associating a post-granted benefit with a user will be referred to as granting the post-granted benefit to the user.

[0071] As an example, the conditions for granting a reward are that the user possesses credit card A and makes a payment using credit card A. The identification processing module 1126 may also determine that the reward that the user could have earned if the conditions for granting a reward were met is 5,000 points. In this case, if the user possesses credit card A, the granting processing module 1127 may determine that the post-conditions are met and grant the user 2,500 points, which is a portion of the 5,000 points, as a post-grant reward.

[0072] A payment processing module 1128 stored in the memory 112 is executed by the processor 111 to perform various processes related to payments made by the user.

[0073] A transaction processing module 1129 stored in the memory 112 is executed by the processor 111 to perform various processes related to electronic commerce.

[0074] The above process allows users to receive benefits more flexibly. Furthermore, users can receive benefits that they would have received in the past after the fact, which improves user satisfaction. Furthermore, users can be encouraged to fulfill certain conditions.

[0075] The display processing module 1130 stored in the memory 112 is executed by the processor 111 to perform processing for generating screen data for various screens provided by the payment platform. Furthermore, the display processing module 1130 is executed by the processor 111 to display information regarding a post-grant benefit (hereinafter referred to as "benefit advance notice information") on the screen of the terminal 120, assuming that the user will satisfy the post-conditions in the future. In other words, the display processing module 1130 performs processing for notifying the user of the benefit advance notice information in advance.

[0076] As an example, the conditions for receiving a reward are assumed to be that the user possesses credit card A and makes a payment using credit card A. The identification processing module 1126 may also determine that the reward that the user could have earned if the user had satisfied the conditions for receiving a reward is 5,000 points. In this case, the display processing module 1130 may display, as reward advance notice information, information indicating that the user will receive 2,500 points on the screen of the terminal 120 used by the user.

[0077] In addition, the display processing module 1130 may not display the benefit preview information on the screen of the terminal 120 if the value of the benefit to be granted to the user is less than a predetermined value (for example, if the value is a single-digit number, zero, or negative).

[0078] The display processing module 1130 may display information about the post-condition together with the benefit notice information on the screen of the terminal 120. For example, if the post-condition is to possess a credit card A, the display processing module 1130 may display a link or button for transitioning to an issuance screen for the credit card A on the screen of the terminal 120. When the user operates this link or button, the payment processing module 1128 executes a registration process for issuing the credit card A.

[0079] Furthermore, the display processing module 1130 may cause a user who does not satisfy the post-conditions to display information about the post-granted benefit that will be granted when the post-conditions are satisfied on the screen of the terminal 120. On the other hand, for a user who satisfies the post-conditions, information about the post-granted benefit may not be displayed on the screen of the terminal 120.

[0080] Furthermore, the display processing module 1130 may display, on the screen of the terminal 120, information about a post-grant benefit that will be granted to a user who has made a payment of a predetermined amount or more between now and a predetermined period ago when the user satisfies a post-condition. Furthermore, the display processing module 1130 may not display, on the screen of the terminal 120, information about a post-grant benefit that will be granted to a user who has not made a payment of a predetermined amount or more between now and a predetermined period ago when the user satisfies a post-condition.

[0081] The display processing module 1130 may also display the benefit preview information on the screen on which payment is made, or may display the benefit preview information on a predetermined home screen.

[0082] The above process makes it possible to inform the user in advance of the ex-post-granted benefit that will be granted if the user fulfills the ex-post-condition. Also, by showing the user the ex-post-granted benefit in advance, it becomes possible to encourage the user to fulfill the ex-post-condition.

[0083] In the identification processing module 1126, the conditions for granting a reward may include that a user is associated with a specific payment method and has made a payment using the specific payment method. Being associated with a specific payment method may also mean that the user is able to use the specific payment method. In this case, the post-condition may be (1) that the user is actually associated with the specific payment method, (2) that the user is actually associated with the specific payment method and has made a payment using the specific payment method, or (3) that a user who is associated with a specific payment method but has never made a payment using the specific payment method has made a payment using the specific payment method for the first time.

[0084] For example, if the specific payment method is "Credit Card A," the reward condition may be that the user possesses Credit Card A and has made a payment using Credit Card A. In this case, the post-condition may be (1) that a user who does not possess Credit Card A possesses (or newly creates) Credit Card A, (2) that a user possesses Credit Card A and has made a payment using Credit Card A, or (3) that a user who possesses Credit Card A but has never used it has made a new payment using Credit Card A. The specific payment method may be a payment method provided by a company that provides an electronic payment or e-commerce platform. The post-grant reward provided by the specific payment method may be a reward that is more beneficial to the user than a post-grant reward provided by another payment method other than the specific payment method.

[0085] The above process makes it possible to encourage users to use specific payment methods, and also enables companies that provide specific payment methods to promote the use of those specific payment methods.

[0086] The user's payment history acquired by the acquisition processing module 1125 may include at least one of payments made between now and a first predetermined period, a predetermined number of payments in reverse chronological order, past payments with a payment amount equal to or greater than a predetermined amount, payments to a predetermined payee, and payments under a predetermined payment item. The user's payment history acquired by the acquisition processing module 1125 may further include at least one of payments made on a specific e-commerce platform, payments made using a specific payment method, and payments made using a specific payment method but not yet settled.

[0087] The user's payment history acquired by the acquisition processing module 1125 may be any combination of the above-mentioned various payments. For example, the user's payment history acquired by the acquisition processing module 1125 may be payments made between the present and a first predetermined period ago, and the payment amount may be equal to or greater than a predetermined amount.

[0088] As an example, the acquisition processing module 1125 may access the payment management information 1124 to acquire the most recent 10 payment histories from the payment history for the past month, where the payment amount is 1,000 yen or more.

[0089] The above process allows the server 110 to acquire payment histories in various patterns. Also, the server 110 can acquire only the payment histories necessary to identify a benefit, thereby reducing the processing load on the server 110.

[0090] Furthermore, when the acquisition processing module 1125 acquires the payment history of payments made between now and a first predetermined period, the first predetermined period may be determined based on user information about the user. The user information may include at least one of the total payment amount of the user during a second predetermined period, the number of payments made by the user during a third predetermined period, the number of times the user has used a service linked to the payment service during a fourth predetermined period, and the user's credit score. The acquisition processing module 1125 may acquire the user's credit score by inquiring of the server 150 that provides a credit information provision service.

[0091] The acquisition processing module 1125 may set the first predetermined period to be longer the higher the total payment amount of the user in the second predetermined period. For example, if the second predetermined period is six months, the acquisition processing module 1125 may set the first predetermined period to be longer the higher the total payment amount from the present to the past six months. Furthermore, the acquisition processing module 1125 may set the first predetermined period to be longer the higher the number of payments made by the user in a third predetermined period. For example, if the third predetermined period is six months, the acquisition processing module 1125 may set the first predetermined period to be longer the higher the number of payments made from the present to the past six months.

[0092] The acquisition processing module 1125 may also set the first predetermined period to be longer the more frequently the user uses the service linked to the payment service during the fourth predetermined period. For example, if the fourth predetermined period is six months and the service linked to the payment service is an e-commerce service, the acquisition processing module 1125 may set the first predetermined period to be longer the more frequently the user uses the e-commerce service (e.g., the number of times a product has been purchased) during the past six months from the present. The acquisition processing module 1125 may also set the first predetermined period to be longer the higher the user's credit score.

[0093] The second, third, and fourth predetermined periods may be the same length or different lengths. The second predetermined period may be a period from the present to the second predetermined period ago, or a period from a predetermined point in the past to the second predetermined period ago (for example, a period from one year ago to six months ago). The same may be true for the third and fourth predetermined periods.

[0094] The above process allows server 110 to change the period for acquiring payment history for each user. Furthermore, the longer the acquired payment history, the greater the likelihood of receiving more post-payment benefits, which can promote the use of payment services. Furthermore, as an example, payments to a specified payee may include payments to which a service provided by server 110 is the payee, payments on a service provided by server 110, or payments other than these. Furthermore, as an example, payments that are specified payment items may include public utility charges such as water and electricity bills, communication fees, etc.

[0095] The ex-post-grant reward granted by the granting processing module 1127 may be calculated by multiplying a predetermined value by a predetermined percentage. For example, if the predetermined value is 5,000 yen and the predetermined percentage is 50%, the ex-post-grant reward granted to the user may be 2,500 points. The predetermined percentage may be determined based on user information about the user. The user information may include at least one of the user's total payment amount during a second predetermined period, the number of payments made by the user during a third predetermined period, the number of times the user has used a service linked to the user's payment service during a fourth predetermined period, and the user's credit score.

[0096] The granting processing module 1127 may be set so that the higher the total payment amount of the user in a second predetermined period, the higher the predetermined percentage. For example, if the second predetermined period is six months, the granting processing module 1127 may be set so that the higher the total payment amount from the present to the past six months, the higher the predetermined percentage. Furthermore, the granting processing module 1127 may be set so that the higher the number of payments made by the user in a third predetermined period, the higher the predetermined percentage. For example, if the third predetermined period is six months, the granting processing module 1127 may be set so that the higher the number of payments made from the present to the past six months, the higher the predetermined percentage.

[0097] The granting processing module 1127 may also set the predetermined percentage so that the greater the number of times the user uses the service linked to the payment service during the fourth predetermined period, the higher the predetermined percentage. For example, if the fourth predetermined period is six months and the service linked to the payment service is an e-commerce service, the granting processing module 1127 may set the predetermined percentage so that the greater the number of times the user uses the e-commerce service (e.g., the number of times they purchase products) between the present and the past six months. The granting processing module 1127 may also set the predetermined percentage so that the higher the user's credit score. The second predetermined period, the third predetermined period, and the fourth predetermined period may be the same length or different lengths. The second predetermined period may be the period from the present to the second predetermined period, or may be the period from a predetermined point in the past to the second predetermined period (e.g., from one year ago to six months ago). The same may be true for the third predetermined period and the fourth predetermined period.

[0098] By the above process, the server 110 can change the ex-post-grant benefits for each user. In addition, the larger the predetermined ratio, the more ex-post-grant benefits are granted, which can promote the use of the payment service.

[0099] The ex-post-granted privilege granted by the granting processing module 1127 may be set in stages. For example, if the privilege is equal to or greater than A but less than B, the ex-post-granted privilege is set to X; if the privilege is equal to or greater than B but less than C, the ex-post-granted privilege is set to Y; if the privilege is equal to or greater than C but less than D, the ex-post-granted privilege is set to Z. The ex-post-granted privilege may be determined in stages according to the amount of the privilege.

[0100] For example, if the reward granted to a user when the reward conditions are satisfied is between 1,000 and 2,000 points, the ex-post-grant reward may be set to 500 points. Also, if the reward granted to a user when the reward conditions are satisfied is between 2,000 and 3,000 points, the ex-post-grant reward may be set to 1,000 points.

[0101] The one or more processors 111 described above read and execute each module as necessary from the memory 112. For example, the one or more processors 111 may execute the acquisition processing module 1125, the identification processing module 1126, the granting processing module 1127, the settlement processing module 1128, the transaction processing module 1129, and the display processing module 1130 to configure an acquisition processing unit, an identification processing unit, an granting processing unit, a settlement processing unit, a transaction processing unit, and a display processing unit, respectively. (2) Configuration of terminal 120 The terminal 120 includes a processor 121 , a memory 122 , a storage 123 , an input / output I / F 124 , an input device 125 , an output device 126 , a transmitting / receiving unit 127 , and a reading unit 128 .

[0102] The processes, functions, or methods executed by the processor 121 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible. The input device 125 accepts various operations from the user of the terminal 120 .

[0103] The transmitting / receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 connects a communication session with the server 110 using HTTPS, etc. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

[0104] The processor 121 performs processing to utilize a predetermined service provided by the server 110 .

[0105] In one embodiment, memory 122 stores the following programs 1221, a payment processing module 1222, a display control module 1224, and data structures, or a subset thereof. Note that information stored in memory 122 may be stored in another storage device (e.g., storage 123).

[0106] As described above, the program 1221 is a program loaded from the storage 123 and includes instructions and the like related to each embodiment.

[0107] The payment processing module 1222 executes various payment-related processes. For example, the payment processing module 1222 executes store-scan type payments, in which user information is coded and the code is read by a store terminal, or user-scan type payments, in which a code containing store information is read. The payment processing module 1222 may also execute payment processing on websites, payment processing for product purchases on the e-commerce platform provided by the server 110, and person-to-person remittance processing.

[0108] The transaction processing module 1223 executes a process for conducting a transaction of buying and selling a product on the e-commerce platform. For example, the transaction processing module 1223 executes a process for listing a product or purchasing a product on the e-commerce platform.

[0109] The display control module 1224 controls the display of screen data related to the payment platform and the e-commerce platform on the output device 126. For example, the display control module 1224 controls the display of a screen for making a payment when purchasing a product, controls the display of a screen for listing a product, and controls the display of a screen for purchasing a product.

[0110] The one or more processors 121 described above read and execute each module as necessary from memory 122. For example, the one or more processors 121 may configure a payment processing unit, a transaction processing unit, and a display control unit by respectively executing a payment processing module 1222, a transaction processing module 1223, and a display control module 1224. <Operational Processing of the Embodiment> The processing of the information processing system 1 according to the embodiment will be described with reference to FIG. 5. FIG. 5 shows an example of a flowchart of the processing of the information processing system 1 according to the embodiment. The processing shown in FIG. 5 is an example of processing for granting a benefit to a user. In the example of FIG. 5, the condition for granting the benefit is to make a payment with credit card A, and the benefit is points equivalent to 5% of the payment amount. Furthermore, the post-condition is to possess credit card A. Furthermore, the post-granted benefit is 50% of the benefit.

[0111] (Step S10) The acquisition processing module 1125 acquires the user's payment history from the present to a predetermined period of time ago by referring to the payment management information 1124. For example, the acquisition processing module 1125 may acquire the payment history from the present to the past six months.

[0112] (Step S11) The identification processing module 1126 analyzes the payment history acquired in step 10 to identify the benefits that the user could have obtained if the conditions for granting the benefits had been met from the past six months. If there are any benefits that the user could have obtained, the process proceeds to step S12; if not, the process ends.

[0113] (Step S12) The display processing module 1130 calculates the post-grant benefit to be granted to the user when the user satisfies the post-condition, and displays the post-condition and the post-grant benefit on the display of the terminal 120. For example, if the amount of benefit identified in step S11 is 1,000 points, the post-grant benefit is 500 points (1,000 points x 50%). Therefore, the display processing module 1130 displays a message on the display of the terminal 120 indicating that 500 points will be granted if the user possesses credit card A. At this time, the display processing module 1130 may display information guiding the user to a screen for issuing credit card A on the screen together with the post-grant benefit.

[0114] (Step S13) The granting processing module 1127 determines whether the user satisfies the post-grant privilege. If the post-grant privilege is satisfied, the process proceeds to step S14, and if the post-grant privilege is not satisfied, the process ends. For example, if the user has applied for issuance of credit card A, or if the user has applied for issuance of credit card A and credit card A has been issued to the user, the process may proceed to step S14.

[0115] (Step S14) The award processing module 1127 awards, for example, 500 points to the user as a post-award award.

[0116] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 6. Fig. 6 is a diagram showing an example of a screen displayed on the screen of the terminal 120 according to the embodiment, for accepting a product purchase process on the e-commerce platform.

[0117] R10 on screen D10 displays the price when purchasing the product in a lump sum payment and the amount to be paid per installment when purchasing the product in installments. The user can also input the desired number of payments or the amount to be paid per installment in input fields B12 and B13. Note that when the number of payments is input, the amount to be paid per installment may be automatically changed. Also, when the amount to be paid per installment is input, the number of payments may be automatically changed. Pressing button B10 on screen D10 selects installment payment, and pressing button B11 selects lump sum payment.

[0118] In addition, the message display field C1 displays a message indicating the post-conditions and post-grant benefits in addition to the benefits that can be obtained by making the current payment. When button B20 is pressed, the screen transitions to a screen prompting the issuance procedure for credit card A.

[0119] The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content. [Explanation of symbols]

[0120] 1...information processing system, 110...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117...transmitter / receiver, 120...terminal, 121...processor, 122...memory, 123...storage, 124...input / output I / F, 125...input device, 126...output device, 127...transmitter / receiver, 1125...acquisition processing module, 1126...specification processing module, 1127...granting processing module, 1128...payment processing module, 1129...transaction processing module, 1130...display processing module, 1222...payment processing module, 1223...transaction processing module, 1224...display control module

Claims

1. The information processing device Obtaining the user's past payments; Identifying a benefit that the user could have obtained if the user had satisfied a predetermined condition at the time of the past payment; Associating at least a portion of the benefit with the user when the user satisfies at least a portion of the predetermined condition; An information processing method that performs the above.

2. and displaying information about at least a portion of the benefit if it is assumed that the user has satisfied at least a portion of the predetermined condition. The information processing method according to claim 1 .

3. The predetermined condition includes that the user is associated with a specific payment method and that the user has made a payment using the specific payment method. The information processing method according to claim 1 .

4. The past payments include at least one of payments made between the present and a first predetermined period, a predetermined number of payments in descending order of the most recent payment date, and payments made in the past whose payment amount is equal to or exceeds a predetermined amount. The information processing method according to claim 1 .

5. the first predetermined period is determined based on user information about the user; The information processing method according to claim 4.

6. The reward includes a predetermined value that is awarded based on the payment amount of the past payment. The information processing method according to claim 1 .

7. At least a portion of the benefit is calculated by multiplying the predetermined value by a predetermined percentage. The information processing method according to claim 6.

8. The predetermined ratio is determined based on user information about the user. The information processing method according to claim 7.

9. The user information includes at least one of the total payment amount of the user in a second predetermined period, the number of payments made by the user in a third predetermined period, the number of times the user has used other services linked to the payment service in a fourth predetermined period, and the credit score of the user.

9. The information processing method according to claim 5 or 8.

10. An information processing device including one or more processors and a memory, the one or more processors: Obtaining the user's past payments; Identifying a benefit that the user could have obtained if the user had satisfied a predetermined condition at the time of the past payment; Associating at least a portion of the benefit with the user when the user satisfies at least a portion of the predetermined condition; An information processing device that executes the above.

11. In the information processing device, Obtaining the user's past payments; Identifying a benefit that the user could have obtained if the user had satisfied a predetermined condition at the time of the past payment; Associating at least a portion of the benefit with the user when the user satisfies at least a portion of the predetermined condition; A program to execute.

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