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

Abstract

To improve the usability of electronic payment services. [Solution] The information processing device according to the present invention comprises an acquisition unit, an estimation unit, and a provision unit. The acquisition unit acquires the user's answers to the questions by providing the user with predetermined content containing simple questions for estimating the risks the user should be aware of, through a predetermined user interface displayed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using an identification code. The estimation unit estimates the risks the user should be aware of using the information of the answers to the questions and various information associated with the user in the electronic payment service. The provision unit provides the user with information regarding the estimated risks the user should be aware of by transmitting it to the terminal device and displaying it on a predetermined user interface.

Description

Technical Field

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

Background Art

[0002] Conventionally, an electronic payment service that provides an environment for electronic payment (also referred to as "code payment") for paying the price of a product or service to be traded using an identification code such as a two-dimensional code has been known (see, for example, Patent Document 1). In this electronic payment service, services other than electronic payment such as bank transactions and financial transactions are also provided.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, there is still room for improvement in the above conventional technology in terms of improving the usability of the electronic payment service.

[0005] The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program capable of improving the usability of an electronic payment service.

Means for Solving the Problems

[0006] The information processing device according to the present application comprises an acquisition unit, an estimation unit, and a provision unit. The acquisition unit acquires the user's answers to the questions by providing the user with predetermined content containing simple questions for estimating the risks the user should be aware of, through a predetermined user interface displayed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using an identification code. The estimation unit estimates the risks the user should be aware of using the information of the answers to the questions and various information associated with the user in the electronic payment service. The provision unit provides the user with information regarding the estimated risks the user should be aware of by transmitting it to the terminal device and displaying it on a predetermined user interface. [Effects of the Invention]

[0007] According to one embodiment, the usability of electronic payment services can be improved. [Brief explanation of the drawing]

[0008] [Figure 1] Figure 1 is a diagram illustrating the overview of the information processing according to the embodiment. [Figure 2] Figure 2 shows an example of how questions are displayed in an insurance mini-app according to the embodiment. [Figure 3] Figure 3 shows an example of how information regarding the risk estimation results according to the embodiment is displayed. [Figure 4] Figure 4 is a diagram showing an example of displaying detailed information explaining why risks may occur according to the embodiment. [Figure 5] Figure 5 shows an example of how insurance premium information is displayed according to the embodiment. [Figure 6] Figure 6 shows an example of the configuration of an information processing system according to the embodiment. [Figure 7] Figure 7 shows an example of the configuration of an information processing device according to the embodiment. [Figure 8] Figure 8 is a diagram showing an overview of the user information stored in the user information storage unit according to this embodiment. [Figure 9] Figure 9 shows an example of the configuration of a risk estimation table according to the embodiment. [Figure 10] Figure 10 shows an example of an automobile risk estimation table according to the embodiment. [Figure 11] Figure 11 shows an example of a disease risk estimation table according to the embodiment. [Figure 12] Figure 12 shows an example of a disaster risk estimation table according to the embodiment. [Figure 13] Figure 13 shows an example of a mortality risk estimation table according to the embodiment. [Figure 14] Figure 14 shows an example of a reference table according to the embodiment. [Figure 15] Figure 15 shows an example of a reference table according to the embodiment. [Figure 16] Figure 16 shows an example of a reference table according to the embodiment. [Figure 17] Figure 17 is a flowchart showing an example of the processing procedure for information processing performed by the information processing device according to the embodiment. [Figure 18] Figure 18 is a hardware configuration diagram showing an example of a computer that implements the functions of an information processing device according to an embodiment or modified example. [Modes for carrying out the invention]

[0009] The following describes in detail, with reference to the drawings, the embodiments for implementing the information processing apparatus, information processing method, and information processing program according to the present application (hereinafter referred to as "embodiments"). Note that these embodiments do not limit the information processing apparatus, information processing method, and information processing program. Furthermore, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant descriptions are omitted.

[0010] [Embodiment] [1. Overview of Information Processing Based on the Embodiment] Hereinafter, the outline of the information processing according to the embodiment will be described with reference to FIG. 1. FIG. 1 is a diagram for explaining the outline of the information processing according to the embodiment. Hereinafter, for the user U of the electronic payment service that provides the usage environment of the electronic payment using the identification code (hereinafter, appropriately referred to as "code payment"), the outline of the information processing for providing information regarding the risks that the user U should possess will be described.

[0011] The information processing according to the embodiment is realized by an information processing system SYS (for example, refer to FIG. 6) including a plurality of terminal devices 10 such as the terminal device 10-1, the terminal device 10-2, and the terminal device 10-3 shown in FIG. 1, and the information processing device 100 shown in FIG. 1. The plurality of terminal devices 10 and the information processing device 100 are each connected to a network N (for example, refer to FIG. 6) by wire or wirelessly. The plurality of terminal devices 10 and the information processing device 100 can communicate with other devices through the network N. In the following description, when it is not necessary to particularly distinguish and describe the terminal devices 10-1 to 10-3 shown in FIG. 1, they will be generically described as "terminal device 10".

[0012] The terminal device 10-1 shown in FIG. 1 is used by the user U-1 of the electronic payment service that provides the usage environment of the code payment. The terminal device 10-2 shown in FIG. 1 is used by the user U-2 of the electronic payment service that provides the usage environment of the code payment. The terminal device 10-3 shown in FIG. 1 is used by the user U-3 of the electronic payment service that provides the usage environment of the code payment. In the following description, when it is not necessary to particularly distinguish and describe the users U-1 to U-3 of the electronic payment service, they will be generically described as "user U".

[0013] Terminal device 10 has a payment application program (an example of a "first application program") pre-installed, which is a payment application program equipped with various functions for performing code payments. In addition, the payment application pre-installed on terminal device 10 has an insurance mini-application (an example of a "second application program") added to it, which is a subordinate application program that operates on terminal device 10 based on the payment application.

[0014] The information processing device 100 shown in Figure 1 performs various processes related to code payments. The information processing device 100 is operated and managed by a service provider that operates an electronic payment service. The information processing device 100 also performs information processing according to the embodiment.

[0015] For example, user U-1 launches the insurance mini-app and performs an operation from a designated screen of the insurance mini-app (an example of a "designated user interface") to request an estimation of the risks that user U-1 should be prepared for. Terminal device 10-1 transmits the risk estimation request to information processing device 100 in response to user U-1's operation.

[0016] When the information processing device 100 receives a risk estimation request from the terminal device 10-1, it provides the user U-1 with predetermined content containing simple questions for estimating the risks that user U-1 should be aware of, in response to a request from user U-1 (step S01).

[0017] The terminal device 10-1 displays a simple question on a predetermined screen of the insurance mini-application by deploying predetermined content received from the information processing device 100 onto the insurance mini-application. Figure 2 shows an example of the display of a question in the insurance mini-application according to the embodiment.

[0018] Figure 2 shows examples of screen G1-1, which displays the first question, and screen G1-2, which displays the seventh question, from a set of 10 pre-prepared questions. The pre-prepared content includes at least one of the following: questions about user U's attributes, questions about user U's health status, questions about user U's lifestyle, and questions about user U's financial situation. In addition, if there is information about user U-1's attributes that cannot be obtained from the information registered by user U-1 with the electronic payment service, it may be set as a question for the pre-prepared content.

[0019] For example, user U-1 proceeds to answer questions by referring to each screen of the insurance mini-app displayed on terminal device 10-1 and selecting the item that applies to them from among the multiple options provided for each question. Once user U-1 has finished answering the simple questions, terminal device 10-1 transmits the answer results to information processing device 100 (step S02).

[0020] When the information processing device 100 receives the response result information from the terminal device 10-1, it uses the response result information and various information associated with user U-1 in the electronic payment service to estimate the risks that user U-1 should face (step S03).

[0021] For example, the information processing device 100 can estimate the risks that user U should face by using various information associated with user U in the electronic payment service, such as user U's attribute information, payment information, account information, insurance coverage status, and asset status. For example, the information processing device 100 can search for user information in the electronic payment service using the user ID of user U-1 enclosed with the response results via the payment app as a key, and obtain various information associated with user U-1.

[0022] Risk estimation by the information processing device 100 can be performed by identifying risks that match user U-1 based on a pre-prepared rule base.

[0023] Alternatively, the information processing device 100 may obtain the output results from the trained model as the estimated risk that user U-1 should have by inputting information on the answers to the questions, various information associated with user U-1, and instruction sentences that instruct the trained model to automatically generate content based on the input data.

[0024] Here, the information processing device 100 can use, for example, a generative AI (Artificial Intelligence) as a trained model for risk estimation. The information processing device 100 can use, for example, a text generation AI, which is a language model capable of generating text using natural language processing techniques, as the generative AI.

[0025] When the information processing device 100 completes the risk estimation, it transmits information regarding the estimated risks that user U-1 should be prepared for to the terminal device 10-1 and provides it to user U-1 by displaying it on the screen of the insurance mini-application (step S04). As information regarding the risk estimation results, the information processing device 100 can provide the name of the risk that user U-1 should be prepared for and information indicating an overview of the risk. Figure 3 is a diagram showing an example of the display of information regarding the risk estimation results according to the embodiment.

[0026] As shown in Figure 3, the screen G2-1 of the insurance mini-app displayed on the terminal device 10 displays estimated insurance premium information J-1. The estimated insurance premium information J-1 will be described in detail later. In addition, the screen G2-1 of the insurance mini-app displayed on the terminal device 10 displays the estimated risks that user U-1 should be prepared for, including automobile-related risk information J-2, illness-related risk information J-3, disaster-related risk information J-4, and death-related risk information J-5. In the following explanation, unless it is necessary to distinguish between risk information J-2 to J-5, they will be collectively referred to as "risk information J".

[0027] The following explanation will use the risk information J-2 related to automobiles, which is displayed on screen G2-1 of the insurance mini-app, as an example, but other risk information J is structured similarly.

[0028] The automobile-related risk information J-2 includes the name of the risk that user U-1 should be prepared for 2A, and information 2B that outlines the risk. As shown in Figure 3, the information 2B that outlines the automobile-related risk information J-2 displays information such as the amount of compensation that may occur in a personal injury accident and the probability of an accident occurring.

[0029] Similarly, screen G2-1 of the insurance mini-app displays information summarizing the risk information J-3 related to illness, as shown in Figure 3. Similarly, screen G2-1 of the insurance mini-app displays information summarizing the risk information J-4 related to disaster, as shown in Figure 3. Similarly, screen G2-1 of the insurance mini-app displays information summarizing the risk information J-5 related to death, as shown in Figure 3.

[0030] The estimated risk assessment results for user U-1, displayed on screen G2-1 of the insurance mini-app, are different for each user U of the electronic payment service. In this way, the information processing device 100 according to the embodiment can provide information about the risks that user U should be aware of, according to the user U's situation inferred from information obtained from questions and answers with user U and various information associated with user U. User U can grasp the estimated risk assessment results that apply only to themselves.

[0031] Furthermore, the information processing device 100 can provide detailed information explaining the reasons why a risk selected by user U-1 may occur, from among the risk information J displayed as selectable on screen G2-1 of the insurance mini-app.

[0032] For example, as shown in Figure 3, the information J-2 regarding automobile risks displayed on screen G2-1 of the insurance mini-app is provided with a button 2C that can be operated by the user U-1. Button 2C functions as an object for displaying detailed information explaining why automobile risks may occur. Figure 4 is a diagram showing an example of the display of detailed information explaining why risks may occur according to the embodiment.

[0033] As shown in Figure 4, for example, if user U-1 performs an operation on screen G2-1 of the insurance mini-app to display detailed information explaining why a disease risk may occur, then detailed information explaining why a disease risk may occur will be displayed on screen G2-2 of the insurance mini-app.

[0034] Furthermore, the information processing device 100 can provide information regarding the insurance premium for an insurance product corresponding to a risk selected by the user U from the risk information J displayed as selectable on the insurance mini-application screen G2-1. Figure 5 shows an example of the display of insurance premium information according to the embodiment.

[0035] As shown in Figure 5, when user U-1 selects information J-2 regarding automobile risks and information J-4 regarding disaster risks on screen G2-1 of the insurance mini-app, the total amount of the insurance premiums for the insurance products corresponding to automobile risks and the insurance products corresponding to disaster risks is displayed as estimated insurance premium information J-1 on screen G2-1 of the insurance mini-app. Figure 5 shows an example where the insurance premium for one year is displayed, but the insurance premium may be displayed on a monthly basis, or the display period may be configured to be switchable. The information processing device 100 may pre-manage information on the insurance premiums for insurance products corresponding to each risk and display the insurance premiums, or it may obtain insurance premium information from a partner insurance service provider device 200 and display the insurance premium information.

[0036] [2. Regarding payment using terminal device 10] The following describes an example of electronic payment processing performed using terminal device 10. The following description explains code-based payments using, for example, a two-dimensional code (QR code®) placed in a designated store, which may include a store identification code indicating store identification information for identifying the designated store, or a user identification code indicating user identification information for identifying the service user (for example, user U shown in Figure 1). Code-based payments performed using terminal device 10 are also referred to as "smartphone payments" when terminal device 10 is a smartphone.

[0037] Furthermore, the code payment method described below is applicable even when any user U uses any terminal device 10 to make a payment at any store. The two-dimensional code indicating store identification information may be a QR code, a barcode, a designated mark, a number, etc. Also, the two-dimensional code is not limited to being physically constructed from printed material on a medium such as paper, but may also be constructed from image information displayed on any terminal.

[0038] The following describes user-scan payment, a type of code payment where the user U takes the lead. User-scan payment is a code payment method in which the user U takes the lead by scanning a 2D code installed at a designated store.

[0039] For example, when user U makes a payment for purchasing or using various goods or services at a designated store, user U launches a payment app pre-installed on the terminal device 10 to use code payment. User U can then use various functions related to code payment through the payment app.

[0040] The user U then uses a payment app to scan a 2D code installed at a designated store. In this case, the terminal device 10 displays a screen for entering the price of the transaction and accepts the payment amount from either the user U or a store employee at the designated store. The terminal device 10 also transmits transaction information, including user identification information that identifies the user U, store identification information (or information indicated by the store identification information, i.e., information indicating the designated store (for example, store ID)), and the payment amount, to the information processing device 100 (see, for example, Figure 1) according to the user U's operation.

[0041] When the information processing device 100 receives transaction information from the terminal device 10, it transfers electronic money equivalent to the settlement amount from the account of user U, indicated by the user identification information, to the account of the designated store, indicated by the store identification information. At this time, the information processing device 100 may deduct a predetermined fee to be charged to the designated store from the electronic money equivalent to the settlement amount before transferring it to the designated store's account.

[0042] The information processing device 100 then sends a notification to the terminal device 10 indicating that the transaction has been completed. In this case, the terminal device 10 notifies the user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed. Alternatively, the information processing device 100 may withdraw an amount of electronic money equivalent to the settlement amount from the user U's account indicated by the user identification information, manage it as sales information for a designated store, and transfer an amount of cash equivalent to the sales to a bank account held by the designated store at a predetermined time. In this case, the information processing device 100 may notify the user U that the electronic money transaction has been completed at the time the amount of electronic money equivalent to the settlement amount has been withdrawn from the user U's account.

[0043] Next, we will explain store scan payment, a type of code payment where the designated store takes the lead. Store scan payment is a payment method where the user U displays a 2D code indicating user identification information on the payment app screen and presents it to the store, and the store reads the 2D code presented by the user U with its store terminal, thus the store takes the lead in the payment process.

[0044] Specifically, first, the terminal device 10 displays code information on its screen that indicates user identification information for identifying user U. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10 and transmits transaction information to the information processing device 100, which includes the read user identification information (or the information indicated by the user identification information, i.e., information indicating user U (for example, user ID)), the payment amount, and information identifying a designated store.

[0045] When the information processing device 100 receives transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from the account of user U, indicated by the user identification information, to the designated store's account. The information processing device 100 then sends a notification to the store terminal or terminal device 10 that the transaction has been completed. The store terminal or terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed.

[0046] Alternatively, the information processing device 100 may withdraw an amount of electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage it as sales information for a designated store, and transfer an amount of cash equivalent to the sales to a bank account held by the designated store at a predetermined time. In this case, the information processing device 100 may notify the store clerk or user U that the electronic money transaction has been completed at the time the amount of electronic money equivalent to the payment amount has been withdrawn from user U's account.

[0047] Furthermore, payment using the terminal device 10 may involve not only transferring electronic money from an account where user U has pre-charged electronic money to the designated store's account, but also, for example, payment using a credit card that user U has registered in advance. In such a case, for example, the terminal device 10 may transfer the amount of electronic money indicated by the payment amount to the designated store's account and also bill the credit card company of user U for the amount indicated by the payment amount.

[0048] Furthermore, the payment using the terminal device 10 may not only involve transferring electronic money from user U's account to the designated store's account, but may also involve transferring electronic money from user U's account to another user's account (i.e., a transfer between users). For example, the terminal device 10 used by user U, the sender, reads user identification information that identifies the recipient user (for example, user identification information displayed on the terminal device 10 used by the recipient user), accepts input of the transfer amount from user U, and transmits the read identification information, the transfer amount, and information indicating user identification information that identifies user U to the information processing device 100. In such a case, the information processing device 100 transfers the amount of electronic money indicated by the transfer amount from user U's account to the recipient user's account, and may notify user U's terminal device 10 or the recipient user's terminal device 10 that the transfer has been completed by displaying a screen or a predetermined sound indicating that the transfer has been completed.

[0049] It should be noted that the transfer of funds using the terminal device 10 is not limited to the process described above. For example, a transfer of funds using the terminal device 10 may be performed by inputting the recipient user's phone number or information identifying the recipient user (for example, a user ID) into the terminal device 10. To give a specific example, the terminal device 10 receives input from user U, including the recipient user's phone number or user ID and the transfer amount, and transmits the entered phone number or user ID, the transfer amount, and user identification information identifying user U to the information processing device 100. The information processing device 100 then transfers the amount of electronic money indicated by the transfer amount from user U's account to the user's account linked to the transmitted phone number or user ID.

[0050] Here, the recipient user's phone number or user ID may be pre-registered in the payment app in conjunction with information about that user. In this case, the terminal device 10 receives from user U the specification of a user (recipient) registered in the payment app and the input of the amount to be sent to that user, and transmits the phone number or user ID associated with the specified user, the amount to be sent, and user identification information that identifies user U to the information processing device 100.

[0051] Furthermore, for example, a remittance using the terminal device 10 may be performed by providing the recipient user with link information for receiving the remittance amount. To give a specific example, the terminal device 10 receives input of the remittance amount from user U, generates link information for receiving the remittance amount, and provides the link information to the terminal device 10 used by the recipient user by sending an email containing the link information or posting information containing the link information to an SNS (Social Networking Service). When the recipient user selects the link information and performs the receiving operation, the information processing device 100 transfers the amount of electronic money indicated by the remittance amount from user U's account to the recipient user's account.

[0052] Furthermore, the payment methods and services described above are not limited to those for the purchase of goods or the provision of services (settlement of debts). For example, as described above, payment methods and services may have functions related to transfers between accounts held by multiple users. In other words, the payment methods and services described above are services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as a user or a store. That is, the payment methods and services according to the embodiment may be provided in any form as long as they are transaction methods or transaction services that perform various controls to realize the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various debt processing such as installment payments and bonus payments, and various other controls related to the exchange of assets including electronic money). Moreover, the various controls realized by such transaction methods and transaction services may include both settlement controls and transfer controls, or only one of them. In other words, "transaction" is a concept that includes not only "settlement" of electronic money, but also "transfers" of electronic money and various other processing. In other words, the information processing device 100 may be an information processing device that implements a transaction means for controlling the exchange of electronic money between any two owners.

[0053] [3. System Configuration] The configuration of the information processing system SYS, including the information processing device 100 according to the present application, will be described below. Figure 6 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

[0054] As shown in Figure 6, the information processing system SYS according to this embodiment is composed of a plurality of terminal devices 10, such as terminal device 10-1, terminal device 10-2, and terminal device 10-3, and an information processing device 100. Note that the configuration of the information processing system SYS shown in Figure 6 is just one example, and other devices other than those illustrated in Figure 6 may be included, such as an insurance service provider that provides insurance-related services.

[0055] The terminal device 10 and the information processing device 100 are connected to the network N by wire or wireless connection. The terminal device 10 and the information processing device 100 can communicate with other devices via the network N.

[0056] Network N includes, for example, WANs (Wide Area Networks) such as the Internet, and mobile communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation: 5th Generation Mobile Communication System).

[0057] The terminal device 10 connects to the network N via a mobile communication network or short-range wireless communication such as Bluetooth® or Wi-Fi (Local Area Network), and can communicate with other devices such as the information processing device 100 through the network N.

[0058] Furthermore, the terminal device 10 is used by users U of the electronic payment service (see, for example, Figure 1). Each of the multiple terminal devices 10 is used by a different user U.

[0059] Furthermore, the terminal device 10 is typically a smartphone, but is not limited to such examples; it may also be a notebook PC (Personal Computer), a desktop PC, a tablet PC, or a wearable device. Examples of wearable devices include smart glasses and smartwatches, but are not limited to such examples.

[0060] A user U using the terminal device 10 can use a payment application that is pre-installed on the terminal device 10. By operating the terminal device 10, the user U can launch the payment application and, by using the various functions installed in the payment application, can work in conjunction with the information processing device 100 to execute various processes related to electronic payment services, including payment processing for code payments. For example, the terminal device 10 can display various web content delivered from the information processing device 100 using the functions installed in the payment application. Furthermore, when the terminal device 10 receives control information from the information processing device 100 to realize the information display process, it will perform the display process according to the control information.

[0061] Furthermore, a user U using the terminal device 10 can utilize an insurance mini-app, which is a subordinate application program that operates on the terminal device 10 based on the payment app. By operating the terminal device 10, user U can launch the insurance mini-app and, by utilizing the various functions installed in the insurance mini-app, can perform information processing according to the embodiment in cooperation with the information processing device 100.

[0062] Furthermore, when the terminal device 10 receives control information from the information processing device 100 to perform predetermined information processing, it performs the information processing according to the control information. Here, the control information is written in, for example, a scripting language such as JavaScript®, a stylesheet language such as CSS (Cascading Style Sheets), a programming language such as Java®, or a markup language such as HTML (HyperText Markup Language). Note that the predetermined application itself distributed from the information processing device 100 may also be considered as the control information.

[0063] The information processing device 100 performs various processes related to code payments and information processing according to the embodiment. The information processing device 100 is operated and managed by a service provider that operates an electronic payment service. If the information processing device 100 is composed of a server device, it may be implemented by a single server device, or it may be implemented by a cloud system in which multiple server devices and multiple storage devices work together.

[0064] The information processing device 100 manages, for example, the electronic money accounts of providers of transaction items (e.g., stores) provided to user U, and the electronic money accounts of user U who receive the transaction items (also referred to as "electronic wallets"). The information processing device 100 can realize code-based payments by transferring electronic money between accounts in accordance with payment requests from user U received through the payment app. Electronic money may be, for example, points or currencies used independently by various companies, or it may be a form of currency provided by a country, such as Japanese yen or US dollars, that can be traded electronically.

[0065] Furthermore, the information processing device 100 exchanges various types of information with, for example, the insurance mini-application running on the terminal device 10, and uses the various types of information obtained through the insurance mini-application to perform information processing according to the embodiment.

[0066] [4. Configuration of the information processing device 100] Hereinafter, an example of the functional configuration of the information processing device 100 according to the embodiment will be described using Figure 7. Figure 7 is a diagram showing an example of the configuration of the information processing device 100 according to the embodiment. As shown in Figure 7, the information processing device 100 according to the embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0067] (Communications Department 110) The communication unit 110 is implemented, for example, by a communication module or a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wireless connection and transmits and receives information with other devices such as the terminal device 10.

[0068] (Storage unit 120) The storage unit 120 stores, for example, programs and data used for control and calculations by the control unit 130. The storage unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) or flash memory, or storage devices such as hard disks or optical discs. As shown in Figure 10, the storage unit 120 has a user information storage unit 121 and a risk estimation table storage unit 122.

[0069] (User information storage unit 121) The user information storage unit 121 stores user information relating to user U of the electronic payment service. Figure 8 is a diagram showing an overview of the user information stored in the user information storage unit 121 according to this embodiment.

[0070] As shown in Figure 8, the user information stored in the user information storage unit 121 includes the following items: "User ID," "Attribute Information," "Payment Information," "Account Information," "Insurance Status," and "Asset Status." These items in the user information are interconnected.

[0071] The "User ID" field stores the user ID, which is identification information used to identify user U of the electronic payment service. The "Attribute Information" field stores information indicating user U's attributes, such as age, gender, and occupation. The "Payment Information" field stores information such as the payment history of code payments made by user U.

[0072] The "Account Information" field stores information about accounts registered with the electronic payment service by user U. This account information may include not only the deposit amount but also information such as the outstanding balance of a mortgage. The "Insurance Status" field stores information indicating user U's insurance coverage. The "Asset Status" field stores information about the assets owned by user U.

[0073] (Risk estimation table storage unit 122) The risk estimation table storage unit 122 stores information about the risk estimation table used for the risk estimation process that user U should possess. Figure 9 shows an example of the configuration of the risk estimation table according to the embodiment.

[0074] As shown in Figure 9, the risk estimation tables stored in the risk estimation table storage unit 122 function as a rule-based system pre-configured to identify risks according to the user U's situation. The risk estimation tables shown in Figure 9 consist of, for example, an automobile risk estimation table T-1, a disease risk estimation table T-2, a disaster risk estimation table T-3, and a mortality risk estimation table T-4. Note that Figure 9 shows an example of a risk estimation table, and other tables for estimating risks such as retirement fund risk and disability risk may also be stored. Furthermore, the risk estimation tables stored in the risk estimation table storage unit 122 may be provided according to the existence of insurance products corresponding to the risks.

[0075] Figure 10 shows an example of an automobile risk estimation table according to the embodiment. As shown in Figure 10, the automobile risk estimation table T-1 is composed of items corresponding to "questions," including "answer results" and "presented risks."

[0076] The "Questions" column in the Automobile Risk Estimation Table T-1 contains questions designed to estimate whether user U should prepare for automobile risks, and questions designed to identify the specific automobile risks that user U should prepare for.

[0077] The "Response Result" column in the Automobile Risk Estimation Table T-1 contains information indicating the user U's response to the question. In the example shown in Figure 10, based on the content of the question, if the response to the question is "YES (Applicable)," it is estimated that there is an automobile risk, so the response to the question is pre-set to "YES (Applicable)."

[0078] The "Presented Risk" column in the Automobile Risk Estimation Table T-1 contains patterns for determining the overview of risks to be presented to user U.

[0079] If user U's answer to the question is "YES (applicable)", the information processing device 100 identifies a risk related to automobiles corresponding to "automobile risk pattern P1" as one of the risks that user U should be aware of, and uses the identified "automobile risk pattern P1" to set an overview of the risks related to automobiles.

[0080] Note that the automobile risk estimation table T-1 may include questions other than those shown in Figure 10, or it may include other questions to delve deeper into the user U's situation, as well as risk patterns corresponding to the answers to those other questions.

[0081] Figure 11 shows an example of a disease risk estimation table according to the embodiment. As shown in Figure 11, the disease risk estimation table T-2 is composed of items corresponding to the "question" item, the "answer result" item, the "age group" item, and the "presented risk" item.

[0082] The "Questions" section of the disease risk estimation table T-2 includes questions to estimate whether user U should prepare for disease risks, and questions to identify the specific disease risks that user U should prepare for. As shown in Figure 11, it is assumed that user U will be asked to select the appropriate option from the multiple-choice questions.

[0083] The "Response Results" column in disease risk estimation table T-2 contains information indicating the user U's responses to the questions. In the example shown in Figure 11, the "Response Results" column is set to indicate two cases: when one or two items were selected from the questions, and when three or more items were selected from the questions.

[0084] The "Age Group" column in disease risk estimation table T-2 contains information indicating the age group of user U. In the example shown in Figure 11, the "Age Group" column is set to "Under 40 years old" and "40 years old or older" for each response. The information corresponding to the "Age Group" column is the result of the answers provided to user U to the questions.

[0085] The "Presented Risk" column in disease risk estimation table T-2 contains patterns for determining the overview of risks to be presented to user U.

[0086] If user U selects one or two items from the questions, the information processing device 100 identifies a disease-related risk corresponding to "disease risk pattern P2-1-1" as one of the risks that user U should have, provided that user U's age group is under 40 years old, and sets an overview of the disease-related risk using the identified "disease risk pattern P2-1-1". Furthermore, if user U's age group is 40 years or older, the information processing device 100 identifies a disease-related risk corresponding to "disease risk pattern P2-1-2" as one of the risks that user U should have, and sets an overview of the disease-related risk using the identified "disease risk pattern P2-1-2".

[0087] Furthermore, if user U selects three or more items from the questions, the information processing device 100 identifies a disease-related risk corresponding to "disease risk pattern P2-2-1" as one of the risks that user U should have, and sets an overview of the disease-related risk using the identified "disease risk pattern P2-2-1". Also, if user U's age group is 40 years or older, the information processing device 100 identifies a disease-related risk corresponding to "disease risk pattern P2-2-2" as one of the risks that user U should have, and sets an overview of the disease-related risk using the identified "disease risk pattern P2-2-2".

[0088] Note that disease risk estimation table T-2 may include questions other than those shown in Figure 11, or it may include other questions to delve deeper into user U's situation, as well as risk patterns corresponding to the answers to those other questions.

[0089] Figure 12 shows an example of a disaster risk estimation table according to the embodiment. As shown in Figure 12, the disaster risk estimation table T-3 is composed of items corresponding to the "question" item, and includes the "answer result" item and the "presented risk" item.

[0090] The "Questions" section of the disaster risk estimation table T-3 includes questions to estimate whether user U should prepare for disaster risks, and questions to identify the types of disaster risks that user U should prepare for.

[0091] The "Response Results" column in the disaster risk estimation table T-3 contains information showing the user U's responses to the questions.

[0092] The "Presented Risk" column in disaster risk estimation table T-3 contains patterns for determining the overview of risks to be presented to user U.

[0093] If user U's answer to the question is "YES (applicable)", the information processing device 100 identifies a disaster-related risk corresponding to "Disaster Risk Pattern P3-1" as one of the risks that user U should prepare for, and sets an overview of the disaster-related risk using the identified "Disaster Risk Pattern P3-1". If user U's answer to the question is "NO (not applicable)", the information processing device 100 identifies a disaster-related risk corresponding to "Disaster Risk Pattern P3-2" as one of the risks that user U should prepare for, and sets an overview of the disaster-related risk using the identified "Disaster Risk Pattern P3-2".

[0094] Note that disaster risk estimation table T-3 may include questions other than those shown in Figure 12, or it may include other questions to delve deeper into user U's situation, as well as risk patterns corresponding to the answers to those other questions.

[0095] Figure 13 shows an example of a mortality risk estimation table according to the embodiment. As shown in Figure 13, the mortality risk estimation table T-4 is composed of items corresponding to the "question" items, including the "answer result" item and the "presented risk" item.

[0096] The "Questions" section of the mortality risk estimation table T-4 includes questions to estimate whether user U should prepare for mortality risks, and questions to identify the specific mortality risks that user U should prepare for.

[0097] The "Response Results" column in the mortality risk estimation table T-4 contains information showing the user U's responses to the questions.

[0098] The "Presented Risk" column in the mortality risk estimation table T-4 contains patterns for determining the overview of the risks to be presented to user U.

[0099] If user U's answer to the question is "YES (applicable)", the information processing device 100 identifies a mortality risk corresponding to "mortality risk pattern P4-1" as one of the risks that user U should have, and sets an overview of the mortality risk using the identified "mortality risk pattern P4-1". If user U's answer to the question is "NO (not applicable)", the information processing device 100 identifies a mortality risk corresponding to "mortality risk pattern P4-2" as one of the risks that user U should have, and sets an overview of the mortality risk using the identified "mortality risk pattern P4-2".

[0100] Note that the mortality risk estimation table T-4 may include questions other than those shown in Figure 13, or it may include other questions to delve deeper into user U's situation, as well as risk patterns corresponding to the answers to those other questions.

[0101] Furthermore, the memory unit 120 may store a reference table for supplementarily setting financial risks in relation to the risk estimation table described above. Figures 14 to 16 show an example of a reference table according to the embodiment.

[0102] For example, a reference table containing information for estimating the cost of a child's education may be stored in the memory unit 120, linked to the aforementioned mortality risk estimation table T-4. Figure 14 shows an example of a reference table in which information serving as a guideline for educational expenses is pre-set and associated with the child's age.

[0103] Furthermore, for example, a reference table containing pre-configured information for estimating retirement funds may be stored in the storage unit 120, linked to the aforementioned mortality risk estimation table T-4. Figure 15 shows an example of a reference table in which information serving as a guideline for retirement funds is pre-configured, corresponding to the spouse's age information.

[0104] Furthermore, for example, if the memory unit 120 stores a risk estimation table for estimating the risk of user U becoming unable to work, a reference table for estimating financial risk based on monthly mortgage payments may be associated with this risk estimation table. Figure 16 shows an example of a reference table in which information on estimated monthly living expenses is pre-set and associated with information on monthly mortgage payments.

[0105] Furthermore, the memory unit 120 may store information about a trained model that estimates the risks that the user should be prepared for. For example, as a trained model for risk estimation, a generative AI that has been trained to automatically generate content based on input data can be used. The generative AI can be implemented using AI (Artificial Intelligence) such as GPT (Generative Pre-trained Transformer). GPT is a language model that can generate text using natural language processing techniques.

[0106] The information processing device 100 may obtain the output result from the trained model as the estimated risk that user U-1 should have by inputting information on the answer result to the question, various information associated with user U-1, and instruction text that instructs user U-1 to estimate the risks that user U-1 should have.

[0107] (Control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs (an example of an "information processing program" according to this embodiment) stored in the storage device inside the information processing device 100 using RAM as the working area.

[0108] Furthermore, the control unit 130 can be implemented using an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit).

[0109] As shown in Figure 3, the control unit 130 has an acquisition unit 131, an estimation unit 132, and a provision unit 133, and each of these units realizes or executes the functions and operations of the information processing described below. In addition, new functional units different from those shown in Figure 7 may be introduced into the control unit 130 in accordance with the expansion of various processes performed by the information processing device 100.

[0110] (Acquisition part 131) The acquisition unit 131 acquires the results of the answers to the questions from user U by providing user U with predetermined content containing simple questions for estimating the risks that user U should be aware of, through a predetermined user interface displayed on the terminal device 10 of user U of the electronic payment service that provides an environment for using electronic payments using an identification code.

[0111] Furthermore, the acquisition unit 131 acquires the response result by providing predetermined content through the screen of a subordinate insurance mini-application (an example of a "second application program") that operates on the terminal device 10 based on a payment application (an example of a "first application program") equipped with various functions for electronic payment.

[0112] Furthermore, the acquisition unit 131 provides user U with predetermined content that includes at least one of the following: questions about user U's attributes, questions about user U's health status, questions about user U's lifestyle, and questions about user U's financial status, and acquires the response results.

[0113] (Estimation part 132) The estimation unit 132 uses the information from the answers to the questions and various information associated with user U in the electronic payment service to estimate the risks that user U should face. For example, the estimation unit 132 can estimate the risks that user U should face by identifying risks that match user U's situation based on the information from the answers to the questions and various information associated with user U, using a risk estimation table (an example of a "pre-configured rule base").

[0114] Furthermore, the estimation unit 132 estimates the risks that user U should face, using various information associated with user U in the electronic payment service, such as user U's attribute information, payment information, account information, insurance coverage status, and asset status information.

[0115] Furthermore, the estimation unit 132 can obtain the output result from the trained model as the estimated risk that user U should have by inputting information on the answer results to the question, various information associated with user U, and instruction sentences that instruct user U to estimate the risks that user U should have.

[0116] (Provider 133) The provision unit 133 provides user U with information regarding the estimated risks that user U should be prepared for, by transmitting it to the terminal device 10 via the communication unit 110 and displaying it on a predetermined user interface.

[0117] Furthermore, the provision unit 133 provides user U with information regarding the estimated risks that the user should prepare for, by displaying it in a selectable format on the screen of the insurance mini-app (for example, screen G2-1 shown in Figure 2).

[0118] Furthermore, the provision unit 133 provides information regarding the estimation results, including the name of the risk that the user should be prepared for, and information indicating an overview of the risk.

[0119] Furthermore, the provision unit 133 provides detailed information explaining the reasons why a risk selected by user U from among the risks displayed as selectable on a predetermined user interface may occur.

[0120] Furthermore, the provision unit 133 provides information regarding the insurance premiums for insurance products corresponding to the risks selected by the user U from among the risks displayed as selectable on a predetermined user interface.

[0121] [5. Example of processing procedure] The following describes the flow of information processing performed by the information processing device 100 according to this embodiment, using Figure 17 as an example. Figure 17 is a flowchart showing an example of the processing procedure for information processing performed by the information processing device 100 according to this embodiment. The processing procedure shown in Figure 17 is performed by the control unit 130 of the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Figure 17 while the information processing device 100 is running.

[0122] As shown in Figure 17, the acquisition unit 131 acquires the results of user U's answers to simple questions for estimating the risks that user U should be prepared for (step S101).

[0123] Furthermore, the estimation unit 132 uses the information from the answers to the questions and various pieces of information associated with user U in the electronic payment service to estimate the risks that user U should face (step S102).

[0124] Furthermore, the provisioning unit 133 transmits information regarding the estimated risks that user U should be prepared for to the terminal device 10 via the communication unit 110, and provides it to user U by displaying it in a selectable format on a predetermined user interface (step S103), thereby ending the processing procedure shown in Figure 17.

[0125] [6. Variant] (6-1. Regarding information sharing) In the above-described embodiment, the information processing device 100 may transmit information such as the results of answers to simple questions for estimating the risks that user U should have, and information on risks selected by user U from among the information on risks that user U should have, to the linked insurance service provider via the communication unit 110. In this case, the information processing device 100 obtains consent for information sharing from user U through the screen of the insurance mini-app, for example, when user U registers to use the insurance mini-app. This enables seamless service provision.

[0126] (6-2. System Configuration, etc.) Furthermore, although the above-described embodiment explains an example in which the information processing device 100 according to the embodiment performs the information processing according to the embodiment, the system is not limited to this example. For example, in the information processing system SYS, a device that performs information processing related to electronic payment services in cooperation with a payment application running on the terminal device 10 and a device that performs information processing according to the embodiment in cooperation with an insurance mini-application running on the terminal device 10 may be distributed.

[0127] Furthermore, among the processes described in the embodiments described above, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by known methods. In addition, the processing procedures, specific names, and various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown.

[0128] Furthermore, the components of each illustrated device are functionally conceptual and do not necessarily need to be physically configured as shown. In other words, the specific forms of distribution and integration of each device are not limited to those shown, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads and usage conditions.

[0129] Furthermore, the embodiments described above can be combined as appropriate, provided that the processing content is not contradictory.

[0130] [7. Hardware Configuration] Furthermore, the information processing device 100 according to the embodiments or modified examples described above can be implemented by a computer 1000 having a configuration such as that shown in Figure 18. Figure 18 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device 100 according to the embodiments or modified examples.

[0131] Computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output interface 1060, an input interface 1070, and a network interface 1080 are connected by a bus 1090.

[0132] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, as well as programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as RAM, that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device where data used by the arithmetic unit 1030 for various calculations and various databases are registered, and is implemented using ROM (Read Only Memory), HDD, flash memory, etc.

[0133] Output IF1060 is an interface for transmitting information to be output to output devices 1010, such as monitors and printers, and is implemented using connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (High Definition Multimedia Interface). Input IF1070 is an interface for receiving information from various input devices 1020, such as mice, keyboards, and scanners, and is implemented using, for example, USB.

[0134] The input device 1020 may also be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), DVD (Digital Versatile Disc), or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), tape media, magnetic recording media, or semiconductor memory. Furthermore, the input device 1020 may be an external storage medium such as a USB memory stick.

[0135] Network IF1080 receives data from other devices via network N and sends it to the arithmetic unit 1030, and also transmits data generated by the arithmetic unit 1030 to other devices via network N.

[0136] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0137] For example, when the computer 1000 functions as an information processing device 100 according to an embodiment or modified example, the arithmetic unit 1030 of the computer 1000 performs the same function as the control unit 130 by executing a program loaded on the primary storage device 1040. That is, the arithmetic unit 1030 performs processing by the information processing device 100 according to an embodiment or modified example in cooperation with a program loaded on the primary storage device 1040 (for example, an example of an information processing program).

[0138] [8. Effects] As described above, the information processing device 100 according to the embodiment includes an acquisition unit 131, an estimation unit 132, and a provision unit 133. The acquisition unit 131 acquires the answers to the questions from user U by providing user U with predetermined content containing simple questions for estimating the risks that user U should have, through a predetermined user interface displayed on the terminal device 10 of user U of an electronic payment service that provides an environment for using electronic payments using an identification code. The estimation unit 132 estimates the risks that user U should have using the information of the answers to the questions and various information associated with user U in the electronic payment service. The provision unit 133 provides information regarding the estimated risks that user U should have by transmitting it to the terminal device 20 and displaying it on a predetermined user interface.

[0139] Furthermore, the acquisition unit 131 can acquire the answer result by providing predetermined content through the screen (an example of a "predetermined user interface") of a subordinate second application program (for example, an insurance mini-app) that operates on the terminal device 10 based on a first application program (for example, a payment app) equipped with various functions for electronic payment. The estimation unit 132 can estimate the risks that user U should have by identifying risks according to user U's situation that match the information of the answer result to the question and various information associated with user U, based on a pre-set rule base. The provision unit 133 can provide user U with information regarding the estimated risks that user U should have by displaying it in a selectable format on the screen of the second application program.

[0140] Furthermore, the acquisition unit 131 can provide user U with predetermined content that includes at least one of the following: questions about user U's attributes, questions about user U's health status, questions about user U's lifestyle, and questions about user U's financial status, and acquire the answer results.

[0141] Furthermore, the estimation unit 132 can estimate the risks that user U should face by using the information from the answers to the questions and various information associated with user U in the electronic payment service.

[0142] Furthermore, the estimation unit 132 can estimate the risks that user U should face by using various information associated with user U in the electronic payment service, such as user U's attribute information, payment information, account information, insurance coverage status, and asset status information.

[0143] Furthermore, the provision unit 133 can provide information regarding the estimation results, including the name of the risk that user U should be prepared for, and information indicating an overview of the risk.

[0144] Furthermore, the provisioning unit 133 can provide detailed information explaining the reasons why a risk selected by user U from among the risks displayed as selectable on a predetermined user interface may occur.

[0145] Furthermore, the provision unit 133 can provide information regarding the insurance premiums for insurance products corresponding to the risks selected by the user U from among the risks displayed as selectable on a predetermined user interface.

[0146] Furthermore, the estimation unit 132 can obtain the output result from the trained model as the estimated risk that user U should have by inputting information on the answer results to the question, various information associated with user U, and instruction sentences that instruct user U to estimate the risks that user U should have.

[0147] Thus, the information processing device 100 according to this embodiment can provide information about the risks that user U should be aware of, based on information obtained from the exchange with user U and the user's situation inferred from various information associated with user U. As a result, user U can grasp the estimated results of risks that apply only to them. For this reason, the information processing device 100 according to this embodiment can improve the usability of the electronic payment service.

[0148] The effects described above can be achieved by any combination of the processes performed by the respective parts described above, or by any combination of the processes performed by the respective parts.

[0149] [9. Others] Although some embodiments of the present invention have been described in detail above with reference to the drawings, these are illustrative examples, and the present invention can be implemented in various other forms with modifications and improvements based on the knowledge of those skilled in the art, starting with the embodiments described in the disclosure section of the invention.

[0150] Furthermore, the configuration of the aforementioned information processing device 100 can be flexibly changed, for example, by calling external platforms via APIs (Application Programming Interfaces) or network computing depending on the function.

[0151] Furthermore, the term "part" in the claims can be replaced with "means," "circuit," etc. For example, "control unit" can be replaced with "control means" or "control circuit." [Explanation of Symbols]

[0152] SYS Information Processing System 10 Terminal devices 100 Information Processing Devices 110 Communications Department 120 Storage section 121 User information storage unit 122 Risk Estimation Table Storage Unit 130 Control Unit 131 Acquisition Department 132 Estimation Department 133 Provision Department

Claims

1. An acquisition unit that obtains the results of answers to the questions from the user by providing the user with predetermined content containing simple questions for estimating the risks that the user should have, through a predetermined user interface displayed on the terminal device of the user of an electronic payment service that provides an environment for using electronic payments using an identification code, An estimation unit that estimates the risks that the user should be aware of, using the information of the answers to the aforementioned questions and various information associated with the user in the electronic payment service, The provision unit provides information to the user by transmitting the estimated results of the risks that the user should be prepared for to the terminal device and displaying it on the predetermined user interface. An information processing device characterized by having the following features.

2. The acquisition unit is, The response result is obtained by providing the predetermined content through the screen of a subordinate second application program that operates on the terminal device, based on a first application program equipped with various functions for performing the aforementioned electronic payment. The estimation unit, Based on a pre-defined rule base, the system estimates the risks that the user should be aware of by identifying risks that match the user's situation, which are determined by the information of the answers to the questions and various information associated with the user. The aforementioned supply unit is, The information regarding the estimated risks that the user should be prepared for is provided to the user by displaying it in a selectable format on the screen of the second application program. The information processing apparatus according to feature 1.

3. The acquisition unit is, The system provides the user with the predetermined content, which includes at least one of the following: questions about the user's attributes, questions about the user's health status, questions about the user's lifestyle, and questions about the user's financial status, and obtains the response results. The information processing apparatus according to claim 1 or 2.

4. The estimation unit, In the aforementioned electronic payment service, various information linked to the user, such as the user's attribute information, payment information, account information, insurance coverage status, and asset status, is used to estimate the risks the user should be prepared for. The information processing apparatus according to claim 1 or 2.

5. The aforementioned supply unit is, As information regarding the estimation results, the following are provided: a name indicating the risk that the user should be aware of, and information indicating an overview of the risk. The information processing apparatus according to claim 1 or 2.

6. The aforementioned supply unit is, From among the risks displayed as selectable on the predetermined user interface, the user selects a particular risk, and the user selects a detailed explanation of the reasons why that risk may occur. The information processing apparatus according to feature 5.

7. The aforementioned supply unit is, From among the risks displayed as selectable on the predetermined user interface, the system provides information regarding the insurance premiums for insurance products corresponding to the risk selected by the user. The information processing apparatus according to feature 5.

8. The estimation unit, By inputting information on the answers to the aforementioned questions, various information associated with the user, and instructional text instructing the trained model to estimate the risks the user should be aware of, the output result from the trained model is obtained as the estimated risk the user should be aware of. The information processing apparatus according to feature 1.

9. A method of information processing performed by a computer, An acquisition step of obtaining the user's answers to the questions by providing the user with predetermined content containing simple questions for estimating the risks the user should have, through a predetermined user interface displayed on the terminal device of the user of an electronic payment service that provides an environment for using electronic payments using an identification code, An estimation process that estimates the risks that the user should be aware of, using the information obtained from the answers to the aforementioned questions and various information associated with the user in the electronic payment service, The provision process involves transmitting information regarding the estimated risks that the user should be prepared for to the terminal device and displaying it on the predetermined user interface, and providing the information to the user. An information processing method characterized by including

10. On the computer, An acquisition procedure for obtaining the results of answers to the questions from a user by providing the user with predetermined content containing simple questions for estimating the risks that the user should be aware of, through a predetermined user interface displayed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using an identification code, An estimation procedure for estimating the risks that the user should be aware of, using the information obtained from the answers to the aforementioned questions and various information associated with the user in the electronic payment service, The procedure for providing information to the user is provided by transmitting information regarding the estimated risks that the user should be prepared for to the terminal device and displaying it on the predetermined user interface. An information processing program characterized by causing the execution of [a specific action].

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