Payment server, information processing device, information processing method, and program

Abstract

To more accurately determine user trends. [Solution] A payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow users to make electronic payments, including electronic payments at physical stores, comprising: an acquisition unit that acquires determination information based on information related to the electronic payment stored in a memory unit; and a derivation unit that, upon inputting the determination information, derives the first probability and the second probability by inputting the determination information acquired by the acquisition unit into a trained model that has been trained to output a first probability that the user will use revolving payments in the electronic payment and a second probability that the user will incur a default.

Description

Technical Field

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

Background Art

[0002] Conventionally, there is known an invention of a device that extracts users whose probability of changing the payment method from lump-sum payment to installment payment for the first time in the current month is assumed to be high, and sends a notice proposing a change in the payment method to the extracted users (Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, since the risk of bankruptcy is not considered, there are cases where proposals that are disadvantageous to the business operator are made as a result. In addition, since information related to electronic payment is not used as determination information for determining whether or not to make a proposal, there are cases where accurate determination cannot be made.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide a settlement server, an information processing method, and a program that can more appropriately determine user trends.

Means for Solving the Problems

[0006] One aspect of the present invention is a payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow a user to make an electronic payment, including an electronic payment at a physical store, wherein the electronic payment service allows the user to make a revolving payment, and the payment server comprises: an acquisition unit that acquires determination information based on information related to the electronic payment stored in a memory unit; and a derivation unit that, when the determination information is input, inputs the determination information acquired by the acquisition unit into a trained model that has been trained to output a first probability that the user will use a revolving payment in the electronic payment and a second probability that the user will incur a default, thereby deriving the first and second probabilities. [Effects of the Invention]

[0007] According to one aspect of the present invention, user trends can be determined more appropriately. [Brief explanation of the drawing]

[0008] [Figure 1] This diagram shows the basic forms of in-store electronic payment. [Figure 2] This diagram shows an example of a configuration for performing electronic payments (terminal payments) using a payment app. [Figure 3] This figure shows an example of the contents of user information 172. [Figure 4] This diagram shows an example of the contents of merchant / store information 174. [Figure 5] This diagram shows an overview of the processing flow when a user scan is performed. [Figure 6] This diagram shows an overview of the processing flow when a store scan is performed. [Figure 7] This diagram shows an example of a configuration for performing electronic payments (card payments) using payment cards. [Figure 8] This diagram illustrates the processing of the judgment information acquisition unit 140, the derivation unit 150, and the recommendation unit 160. [Figure 9]This diagram shows how recommendation information is displayed on the payment completion screen. [Figure 10] This is a diagram illustrating the learning process of the 176 pre-trained models. [Figure 11] This figure shows an example of the output from the analysis software. [Modes for carrying out the invention]

[0009] [overview] The following describes embodiments of the payment server, information processing method, and program according to the present invention with reference to the drawings. The payment application, payment server, and credit card server work together to provide an electronic payment service. The electronic payment service is a service that supports payment for the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for e-commerce. A virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when settling a purchase at a virtual store, the system is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is treated as belonging to, for example, a merchant (brand), and electronic payment when a purchase is made at a store is mainly made between the user and the merchant. Alternatively, electronic payment may be made between the user and the store. The payment server in this embodiment can provide revolving payments as part of the electronic payment service and has a function to propose revolving payments to users selected by information analysis. Revolving credit is a method of repayment where, for example, an electronic payment over a certain period or for a specific electronic payment, a fixed repayment amount is determined and repaid in installments over multiple periods (for example, over multiple months).

[0010] [Types of in-store electronic payment methods] Figure 1 shows a basic configuration of in-store electronic payment. Basically, electronic payment is executed by three parties: a medium M held by the user U, store equipment E, and a payment system S. The medium M is a portable computer device such as a smartphone or a credit card. Store equipment E is located in a physical store (hereinafter simply referred to as "store") in the real world and includes POS devices, wireless communication devices, credit card readers, printed materials with code images such as QR codes (registered trademarks), or display devices that show code images. In in-store electronic payment, first, user identification information and payment amount information are shared unidirectionally or bidirectionally between the medium M and the store equipment E. During this process, one of the medium M or store equipment E optically reads various information from the code image displayed by the other, provides information via NFC (Near Field Communication), or reads the PAN (Primary Account Number) by a credit card reader. Then, one of the medium M or store equipment E (the one that received information from the other) transmits the payment information necessary for payment to the payment system S via the network NW. Furthermore, both the medium M and the store equipment E may transmit some information to the payment system S. The payment system S manages various information of the user U and performs electronic payments between the store and the user U in various ways. Electronic payments are made using either a prepaid system or a post-paid system, or both, or by other methods. In addition, electronic payments may also include forms of so-called online shopping, which are performed by both the user's terminal device and the payment system. The network NW includes, for example, the internet, LAN (Local Area Network), wireless base stations, and provider equipment. Various devices that communicate via the network NW, as described later, are assumed to have communication devices such as network cards and wireless communication modules.

[0011] [Configuration (Terminal Payment)] Figure 2 shows an example of a configuration for electronic payment (terminal payment) using a payment application. This electronic payment is executed around a payment application 20 running on a user terminal device 10, which is one of the media Ms; one or more store payment terminals 30 and one or more store code images 40, which are part of the store equipment E; and a payment server 100 that constitutes part of the payment system S. The payment server 100 communicates with the user terminal device 10, the store payment terminals 30, and one or more information terminals 50 via a network NW.

[0012] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or tablet. The user terminal device 10 is a computer device having at least optical reading function, communication function, display function, input acceptance function, and program execution function. In the following description, the components for realizing these functions will be referred to as a camera, communication device, touch panel, CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as the CPU, and it operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment application 20 is installed in the user terminal device 10 from, for example, an application distribution server (not shown), and controls the camera, communication device, touch panel, etc. of the user terminal device 10. In the following description, there may be instances where it is written as "sending information to the user terminal device 10 (or receiving / acquiring information from the user terminal device 10)" and instances where it is written as "sending information to the payment application 20 (or receiving / acquiring information from the payment application 20)," but these are merely differences in expression and do not distinguish anything.

[0013] The store payment terminal 30 is installed, for example, in a store. The store payment terminal 30 is a computer device (or a collection thereof) having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The store payment terminal 30 includes a so-called POS (Point of Sale) device, and the POS device may have a product price acquisition function and an optical reading function.

[0014] The store code image 40 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 40 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone or a tablet terminal).

[0015] The information terminal 50 is used by the operator of the franchise that oversees the store. In an electronic payment service, a customer as a provider of goods or services is treated as a franchise (brand), and there is one or more stores under its umbrella. There may be a franchise that operates only one store. The information terminal 50 is a smartphone, a tablet terminal, a personal computer, or the like. The information terminal 50 operates the franchise interface 55. The franchise interface 55 may be a franchise application or a web page displayed by a general-purpose browser. The franchise interface 55 accepts settings of coupons by the operator of the franchise and transmits them to the payment server 100. The information terminal 50 may have a function of displaying a code image corresponding to the store code image 40 or reading a code image displayed by the user terminal device 10 by executing the franchise interface 55 (in the latter case, an optical reading function is required).

[0016] The payment server 100 communicates with the credit card server 200 via the network NW. The payment server 100 has, for example, a content providing unit 110, an information management unit 120, a payment processing unit 130, a determination information acquisition unit 140, a derivation unit 150, a recommendation unit 160, and a storage unit 170. Components other than the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components are LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable It may be implemented by hardware (including circuitry), such as a gate array or a GPU (Graphics Processing Unit), or by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device equipped with a non-transitory storage medium), such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium), such as a DVD or a CD-ROM, and installed in the storage device by mounting the storage medium on a drive device.

[0017] The storage unit 170 is, for example, an HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, franchise / store information 174, and learned models 176 is stored in the storage unit 170.

[0018] The content providing unit 110 has, for example, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 110 provides content to the user terminal device 10 in the form of a web page or provides parameters necessary for the payment application 20 to render an image to the user terminal device 10.

[0019] The information management unit 120 edits, adds, deletes, etc. the user information 172 and the franchise / store information 174 and manages them.

[0020] Figure 3 shows an example of the contents of User Information 172. User Information 172 is a collection of information such as User URL, Account ID, Phone Number, Password, Registration Date, Charge Balance, Electronic Money Type, Terminal Payment Method, Card Payment Method, Various History Information, Identity Verification Flag, Name, Address, Date of Birth, Email Address, Bank Account, Postpay Settings, and Postpay Conditions Information, all of which are linked to each other. Hereafter, the user instance (electronic payment account) to which this information is linked may be referred to as an account. In the figure, items indicated by "-" indicate that they are not set.

[0021] The user URL is used for transferring funds between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100. The registration date is the date the user registered for the electronic payment service (the date the account was created). The charge balance is information indicating the balance of electronic money set by the user beforehand by sending money to the account. Methods of transfer include depositing money into an ATM (Automatic Teller Machine) of a designated company (bank) and transferring money from a registered bank account. The type of electronic money is information indicating, for example, whether the electronic money can be withdrawn or can only be used for electronic payments. The terminal payment method is setting information indicating whether the user will make an electronic payment using the charge balance (balance payment) or a deferred payment in terminal payments. The card payment method is setting information indicating whether the user will make an electronic payment using the charge balance (balance payment) or a deferred payment in card payments. Various types of transaction history information include charge history (including information indicating the source of the funds), which is a record of when users have previously sent money to the electronic payment service to increase their balance; payment history, which shows the details of each payment made by the user (date and time, payment destination information such as the store ID of the store where the purchase was made, merchant ID, payment amount, payment method, etc.); and payment error history.

[0022] The "Verified" flag indicates whether the user has completed identity verification using an identification document. Post-payment becomes available only after identity verification is complete. In the diagram, the user with account ID "002" has not completed identity verification and therefore can only select balance payment as their terminal payment method. The bank account is the account number of a bank account into which funds can be deposited for the electronic payment service. The "Post-payment Settings" indicates whether the user has completed the necessary setup to enable post-payment. The "Post-payment Conditions" information shows various conditions for post-payment, such as the limit and the current month's usage amount.

[0023] Figure 4 shows an example of the contents of the merchant / store information 174. The merchant / store information 174 includes, for example, a first table 174A in which merchant IDs and store IDs are associated with store URLs, a second table 174B in which merchant names and sales figures (as described above) are associated with merchant IDs, and a third table 174C in which store IDs are associated with store IDs. In addition to this information, the merchant / store information 174 may also include information such as the merchant or store category, store location, and payment patterns.

[0024] The payment processing unit 130 performs various processes for electronic payment. There are two methods for terminal payment, which are described below: the first method (user scan) and the second method (store scan).

[0025] Figure 5 shows an overview of the processing flow when a user scan is performed. First, the user terminal device 10, with the payment application 20 running, reads and decodes the store code image 40 using its optical reading function (S1). The store code image 40 contains information about the store URL. The payment application 20 sends first payment information, including the store URL and the user's account ID, to the payment server 100 (S2). The payment server 100 searches for merchant / store information 174 using the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the payment application 20 on the screen where the merchant name and store name are displayed (S5). Then, the payment application 20 generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6).

[0026] The payment processing unit 130 of the payment server 100 performs electronic payment based on the received second payment information if the "terminal payment method" in the user information 172 of the user is set to "balance payment" (S7-1). At this time, the payment processing unit 130 performs electronic payment by, for example, decreasing the charge balance managed in association with the user ID and increasing the item value of the merchant's sales proceeds. The item value of the merchant's sales proceeds is not used as electronic money itself, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service. On the other hand, if the "terminal payment method" is set to "post-payment", the payment processing unit 130 sends the first payment information and the second payment information to the credit card server 200 to request electronic payment (S7-2). The credit card server 200 performs electronic payment by adding the payment amount to the user's monthly usage amount based on the received information and deducting the monthly usage amount from the user's bank account after the closing date (S7-3).

[0027] Then, the payment processing unit 130 sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 via the content provision unit 110 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 40 is displayed on a display placed in the store, the store code image 40 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0028] Figure 6 shows an overview of the processing flow when a store scan is performed. First, when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (S11). The payment processing unit 130 of the payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or barcode that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the store payment terminal 30, and the store payment terminal 30 reads and decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the store payment terminal 30 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). Payment amount information is obtained in advance through methods such as barcode scanning or manual entry.

[0029] The payment processing unit 130 of the payment server 100 identifies the user corresponding to the one-time code based on the received information, and if the "terminal payment method" in the user information 172 of that user is set to "balance payment", it performs electronic payment based on the received second payment information (S17-1). The content of the processing at this time is the same as the processing in S7-1 in Figure 5. On the other hand, if the "terminal payment method" is set to "post-payment", the payment server 100 sends the first payment information and the second payment information to the credit card server 200 to request electronic payment (S17-2). The credit card server 200 adds the payment amount to the user's monthly usage amount based on the received information and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date (S17-3).

[0030] Then, the payment processing unit 130 sends a payment completion notification to the payment application 20 via the content provision unit 110 (S18), and the payment application 20 displays a payment completion screen (S19).

[0031] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0032] Furthermore, instead of managing the "post-payment" settlement through the credit card server 200, it may be handled internally by the payment server 100. In this case, the configuration of the payment card 60, credit card server 200, etc., may be omitted.

[0033] [Payment Method (Card Payment)] Figure 7 shows an example of a configuration for electronic payment (card payment) using a payment card. This electronic payment is executed around a payment card 60, which is one of the media Ms; a credit processing terminal 70, which is one of the store equipment Es; and a payment server 100 and a credit card server 200, which constitute part of the payment system S. The credit card server 200 communicates with the credit processing terminal 70 via a network NW.

[0034] The credit processing terminal 70 is installed in the store, similar to the store payment terminal 30. The credit processing terminal 70 includes, for example, a credit payment terminal (credit card reader) and a POS device. The credit payment terminal reads the PIN (Personal Identification Number) from the inserted or scanned credit card and verifies it against the PIN entered by the user, or transmits the PAN (Primary Account Number) read from the credit card to the credit card server 200 via the POS device. The POS device works with the credit payment terminal to transmit information such as the payment amount to the credit card server 200. An acquisitioner server may be interposed between the credit processing terminal 70 and the credit card server 200, but for the sake of simplicity, the description of the acquisitioner server will be omitted below. The payment card 60 is, for example, similar in form to a commonly used credit card, with a communication chip embedded in the card base material. The communication chip contains a storage medium that stores the PIN and communicates with an external device via a contactor (or wireless antenna). Alternatively, the payment card 60 may be a magnetic stripe card. Note that the information (messages) transmitted and received when using a credit card includes an authorization message for authentication and a sales message to convey the payment amount; however, a detailed explanation distinguishing between these will be omitted below.

[0035] The credit card server 200 communicates with the settlement server 100 via a network NW. The credit card server 200 includes, for example, an information management unit 210, a credit interface 220, a settlement distribution unit 230, a credit settlement processing unit 240, and a storage unit 270. Components other than the storage unit 270 are implemented, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted in a drive device. The storage unit 270 stores information such as card user information 272.

[0036] The information management unit 210 edits, adds, and deletes card user information 272 and manages it. Card user information 272 is information that associates, for example, information unique to the user (e.g., PAN), the card payment method, and the user's account ID (used by the payment server 100) with each other. The card payment method is setting information that indicates whether the user will make an electronic payment using their charged balance (balance payment) or a deferred payment in card payments.

[0037] The credit interface 220 determines whether the BIN (Bank Identification Number) in the PAN included in the message received from the credit processing terminal 70 is a code for the company. If it is a code for the company, it passes the message received from the credit processing terminal 70 to the settlement distribution unit 230. If it is not a code for the company, it discards the received message.

[0038] The settlement distribution unit 230 refers to the user's card user information 272 corresponding to the message obtained from the credit interface 220 and determines whether the "card payment method" is set to "post-payment". If the "card payment method" is set to "post-payment", the settlement distribution unit 230 notifies the credit interface 220 of this and passes the message obtained from the credit interface 220 to the credit payment processing unit 240. On the other hand, if the "card payment method" is set to "balance payment", the settlement distribution unit 230 adds the user's account ID to the message obtained from the credit interface 220 and sends it to the settlement server 100 to request electronic payment. The settlement server 100, upon receiving the request for electronic payment, performs the same processing as in S7-1 in Figure 5 and S17-1 in Figure 6.

[0039] The credit interface 220 checks the PAN and expiration date, and verifies whether the cumulative payment amount exceeds the monthly limit. The credit payment processing unit 240 adds the payment amount to the user's monthly usage amount based on the information contained in the message obtained from the payment distribution unit 230, and performs electronic payment by deducting the monthly usage amount from the user's bank account after the closing date.

[0040] [Recommended for revolving credit payments] The following describes the processing of the judgment information acquisition unit 140, the derivation unit 150, and the recommendation unit 160. Figure 8 is a diagram illustrating the processing of the judgment information acquisition unit 140, the derivation unit 150, and the recommendation unit 160.

[0041] The judgment information acquisition unit 140 acquires judgment information based on information related to electronic payments (user information 172) stored in the storage unit 170. For example, the judgment information acquisition unit 140 acquires payment history, deposit history, usage status of other services, number of deposit errors, application data, and terminal information (OS, language, time zone, etc.) from the user information 172, performs normalization processing (for example, processing to convert to data between 0 and 1), and generates and acquires judgment information.

[0042] The derivation unit 150 derives the first probability P1 and the second probability P2 by inputting the judgment information acquired by the judgment information acquisition unit 140 into the trained model 176. The trained model 176 is a model that, when judgment information is input, outputs the first probability that the user will use revolving payment in electronic payment and the second probability that the user will incur a default.

[0043] The recommendation unit 160 notifies the payment app 20 via the content provision unit 110 to recommend that users with a high first probability P1 and a low second probability P2 use revolving payments. The payment app 20 displays an image encouraging the use of revolving payments in response to the notification. For example, the recommendation unit 160 calculates the weighted sum of the first probability P1 and the second probability P2 (α·P1-β·P2) (where α and β are positive values), and decides to make a recommendation if the weighted sum is greater than or equal to a threshold. Alternatively, the recommendation unit 160 may decide to make a recommendation if the value obtained by dividing the first probability P1 by the second probability P2 plus a predetermined value (to prevent the denominator from becoming zero) is greater than or equal to a threshold.

[0044] These processes may be performed at any time, or immediately after the user makes an electronic payment. In the former case, the target of the prompt to change to revolving payment may be electronic payments within a certain period (for example, within the period from one closing date to the next in the case of deferred payment or card payment), or it may be a specific electronic payment. In the latter case, the information recommending the use of revolving payment may be included and displayed on the electronic payment completion screen (see Figures 5 and 6). Figure 9 shows how the recommendation information is displayed on the payment completion screen IM1. On the payment completion screen IM1, information such as the payment amount is displayed, and a button B1 is provided that displays information suggesting changing to revolving payment (revolving payment in the figure). When the user operates button B1, the electronic payment is changed to revolving payment. When button B1 is operated, it may also be possible to change the payment method of electronic payments within a certain period, including the electronic payment in question.

[0045] Figure 10 is a diagram illustrating the learning process of the trained model 176. The trained model 176 was trained using methods such as backpropagation, with training data equivalent to the information used for decision-making, based on whether or not revolving payments were made and whether or not a default occurred.

[0046] Here, the judgment information includes, for example, multiple items. The items included in the judgment information are obtained by clustering users based on their history related to the items and extracting items that have a high degree of positive or negative correlation with the first probability P1 or second probability P2 for each clustered group using analysis software that analyzes the trained model 176. In other words, the judgment information is extracted from a wide variety of data related to the electronic payment service that has been found to contribute significantly to the first probability P1 and the second probability P2, respectively. This degree can be derived by analysis software that analyzes the trained model. The analysis software may be stored in the storage unit 170 as a function of the payment server 100, or it may be executed by another device connected to the payment server 100. Figure 11 shows an example of the output of the analysis software. The analysis software outputs an image showing the clustering results for the relevant items (for example, the frequency of a specific behavior) into high-frequency and low-frequency groups, along with whether each group has a positive correlation (positive contribution) or a negative correlation (negative contribution) with the first probability P1 and the second probability P2, along with the degree of that correlation. Items with a high degree of bias in the distribution shown in this image are considered to be "items with a high degree of contribution." In the example shown, the group that frequently uses a particular type of store has a positive contribution, while the group that frequently uses that type of store has a negative contribution. In order to extract effective decision-making information, the trained model 176 is repeatedly trained while changing the decision-making information, and the decision-making information that best balances the amount of data and the results is selected.

[0047] From the above considerations, the following items of information used for determination were found to contribute significantly to the first probability P1 and the second probability P2, respectively. The following are representative items, and other information may also be included as determination information. • High frequency of use and / or cumulative spending at specific types of stores → Higher first probability P1. • A high frequency and / or cumulative amount of topping up electronic payment services using a specific method → ​​The first probability P1 and the second probability P2 become higher. • A high number of deposit errors to electronic payment services leads to a higher second probability, P2. • If the frequency and / or cumulative amount of tax payments made using electronic payment services for a particular service is high, the first probability P1 and the second probability P2 will be lower, or in some cases the opposite may be true depending on the service. • A high average transaction amount in electronic payment services leads to lower probabilities P1 and P2. • If electronic payment services are used frequently during a specific time period, the first probability P1 will be higher.

[0048] Thus, the derivation unit 150 of this embodiment derives the first probability P1 and the second probability P2 using valid determination information, making it possible to more appropriately determine user tendencies (whether the user is prone to using revolving payments or prone to defaults).

[0049] Furthermore, the device including some or all of the judgment information acquisition unit 140, the derivation unit 150, and the recommendation unit 160 may be configured as an information processing device separate from the payment server 100. In this case, the information processing device acquires some or all of the user information 172 from the payment server 100 by communication or the like, and transmits recommendation eligibility information to the payment server 100.

[0050] According to the embodiments described above, user trends can be determined more appropriately.

[0051] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the present invention. [Explanation of Symbols]

[0052] E. Store facilities M medium S Payment System 10. User terminal device 20 Payment Apps 30 Store Payment Terminals 40 Store Code Images 60 Payment Cards 70 Credit card processing terminal 100 Payment Servers 130 Payment Processing Unit 140 Judgment information acquisition unit 150 Derivation part 160 Recommendation Department 200 credit card servers

Claims

1. A payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow users to make electronic payments, including electronic payments at physical stores, The aforementioned electronic payment service allows users to make revolving payments. An acquisition unit that acquires determination information based on the information related to the electronic payment stored in the memory unit, When the aforementioned determination information is input, the determination information acquired by the acquisition unit is input to a trained model that has been trained to output a first probability that the user will use revolving payments in the electronic payment and a second probability that the user will incur a default, thereby deriving the first and second probabilities. A payment server equipped with the following features.

2. The system further includes a recommendation unit that recommends the payment app to use the revolving payment option for users who tend to have a high first probability and a low second probability. The settlement server according to claim 1.

3. The aforementioned determination information is, Includes multiple items, For each item of the judgment information, users are clustered based on their history related to that item, and items with a high degree of positive or negative correlation to the first or second probability are extracted for each clustered group. The settlement server according to claim 1.

4. The aforementioned determination information includes, as one of its items, the frequency and / or cumulative amount of use of the electronic payment service at a specific type of store. A settlement server according to any one of claims 1 to 3.

5. The aforementioned determination information includes, as one of its items, the frequency and / or cumulative amount of charging to the electronic payment service by a specific method. A settlement server according to any one of claims 1 to 3.

6. The aforementioned determination information includes the number of deposit errors to the electronic payment service as one of its items. A settlement server according to any one of claims 1 to 3.

7. The aforementioned determination information includes, as one of its items, the frequency and / or cumulative amount of use of the electronic payment service for a specific service. A settlement server according to any one of claims 1 to 3.

8. The aforementioned determination information includes the average amount spent in the electronic payment service as one of its items. A settlement server according to any one of claims 1 to 3.

9. The aforementioned determination information includes, as one of its items, information about the time period during which the electronic payment service was used. A settlement server according to any one of claims 1 to 3.

10. A payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow users to make electronic payments, including electronic payments at physical stores, is equipped with an acquisition unit that acquires determination information based on information related to the electronic payment stored in the storage unit. The aforementioned electronic payment service allows users to make revolving payments. The system further includes a derivation unit that, upon inputting the determination information acquired by the acquisition unit, derives the first and second probabilities by inputting the determination information acquired by the acquisition unit into a trained model that has been trained to output a first probability that the user will use revolving payments in the electronic payment system and a second probability that the user will incur a default. Information processing device.

11. A payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow users to make electronic payments, including electronic payments at physical stores, and which provides an electronic payment service that allows users to make revolving payments, A process for obtaining determination information based on the information related to the electronic payment stored in the memory unit, When the judgment information is input, the acquired judgment information is input to a trained model that has been trained to output a first probability that the user will use revolving payments in the electronic payment and a second probability that the user will incur a default, thereby deriving the first and second probabilities. An information processing method that performs the following.

12. A payment server that provides an electronic payment service that works in cooperation with a payment application running on a user terminal device to allow users to make electronic payments, including electronic payments at physical stores, and the processor of the payment server that provides an electronic payment service that allows users to make revolving payments, A process for obtaining determination information based on the information related to the electronic payment stored in the memory unit, When the judgment information is input, the acquired judgment information is input to a trained model that has been trained to output a first probability that the user will use revolving payments in the electronic payment and a second probability that the user will incur a default, thereby deriving the first and second probabilities. A program to execute.

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