system
Patent Information
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- SOFTBANK GROUP CORP
- Filing Date
- 2024-12-11
- Publication Date
- 2026-06-23
AI Technical Summary
【0005】 この課題を解決するために、本発明は、取引情報を取得し、それに基づいて選択できる複数の支払い手段を解析するシステムを提供する。さらに、このシステムは、解析により最適な支払い手段を決定し、それをユーザーに通知することで、ユーザーが経済的利益を最大化できるよう支援するものである。また、ユーザーの保有する支払い手段に関する情報や取引履歴から支払いパターンを学習することで、提案を個別にパーソナライズし、より精度の高い提案を行うことが可能である。
Smart Images
Figure 2026102199000001_ABST
Abstract
Claims
1. Means of obtaining transaction information, A means for analyzing multiple payment methods that can be selected based on the aforementioned transaction information, A means for determining the optimal payment method based on the aforementioned analysis, A means for notifying the user in real time of the determined optimal payment method via a communication terminal, A means of acquiring location information and providing relevant information based on the user's current location, A system that includes this.
2. The system according to claim 1, further comprising means for obtaining information about the payment methods held by the user, and means for analyzing payment patterns using a machine learning model based on the user's purchase history and predicting future purchasing behavior.
3. The system according to claim 1, further comprising means for optimizing payment methods while taking into account the latest cashback rates and campaign information using a generative AI model.