Information processing device, information processing method, and program

Abstract

To provide better terms and conditions for the provision of funds to merchants. [Solution] An information processing device that refers to proposal information prepared for each affiliated store of an electronic payment service stored in a memory unit, identifies provision conditions for the provision of funds that can be proposed to the affiliated store, and provides the identified provision conditions to the affiliated store's terminal device, the proposal information being evaluation indicators determined for each affiliated store, and information in which the proposable provision conditions are specified based on evaluation indicators associated with each of the provision conditions.

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, there has been disclosed a credit margin calculation device that refers to a credit limit table including credit limits for a business partner, and calculates a credit margin for a business partner from the credit limit in the credit limit table (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-179703 A Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technology, it may not be possible to provide affiliated stores with terms and conditions for providing funds that correspond to the affiliated stores.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, an information processing method, and a program that can more appropriately provide provision conditions for the provision of funds according to affiliated stores. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that refers to proposal information prepared for each affiliated store of an electronic payment service stored in a memory unit, identifies provision conditions for the provision of funds that can be proposed to the affiliated store, and provides the identified provision conditions to the affiliated store's terminal device, the proposal information being evaluation indicators determined for each affiliated store, and information in which the proposable provision conditions are specified based on evaluation indicators associated with each of the provision conditions. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can more appropriately provide provision conditions related to the provision of funds according to the affiliated store. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 illustrates an example of a functional configuration of a management server 200. [Figure 8] FIG. 13 is a diagram showing an example of proposal information 178. [Figure 9] FIG. 13 is a diagram showing another example of the proposal information 178. [Figure 10] FIG. 13 is a diagram showing an example of an interface screen provided to an interface 72 for affiliated stores. [Figure 11] FIG. 13 is a diagram showing another example of an interface screen provided to the member store interface 72. [Figure 12] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 13] FIG. 13 is a diagram showing an outline of a process for generating proposal information 178. [Figure 14] FIG. 11 is a diagram for explaining a first process. [Figure 15]FIG. 11 is a diagram for explaining a second process. [Figure 16] FIG. 13 is a diagram for explaining an overview of integration processing. [Figure 17] FIG. 13 is a diagram for explaining a simulation. [Figure 18] FIG. 11 is a diagram for explaining a process for calculating an evaluation index. [Figure 19] FIG. 11 is a diagram for explaining a process for calculating an evaluation index. [Figure 20] FIG. 11 is a diagram for explaining correspondence information. [Figure 21] 13 is a flowchart showing an example of the flow of processing executed by the management server 200. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing device, an information processing method, and a program of the present invention will be described. Various devices, such as various devices and servers that appear below for providing services to users and performing internal analysis, may be realized by a distributed device group, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (provider of the cloud server) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to 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 electronic commerce. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system which realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, the payment server 100, and a management server 200. These devices communicate with each other, for example, via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like. The payment server 100 or the management server 200 is an example of an "information processing device."

[0011] A part or all of the functional configuration included in the electronic payment system may be distributed in any form among multiple devices, or may be integrated into any device. For example, a part or all of the functional configuration of the management server 200 may be included in the configuration of the payment server 100, or a part or all of the functional configuration of the payment server 100 may be included in the management server 200.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] [First store terminal device] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0014] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like made by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0015] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0016] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0017] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount into the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0018] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0020] [Payment server] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0021] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, and proposed information 178. Some of this information may be stored in the storage unit of the user terminal device 10. The proposed information 178 is information provided by the management server 200. The proposed information 178 corresponds to the proposed information 326.

[0022] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0023] The content providing unit 120 has, for example, a 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 120 reads out necessary content from the content information 174 as appropriate, and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0024] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0025] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is, for example, a user URL, an account ID, a telephone number, a password, as well as information associated with an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a post-payment setting, a post-payment limit, a post-payment usage amount, a post-payment available amount, a payment method setting, a bank account, a credit card number, a charge history information, and a payment history information. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to the account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. The payment method setting is setting information indicating whether the user will make electronic payment using the charge balance or by deferred payment at that time. The bank account and credit card number are information (account number, card number) of a bank account or credit card number that can be deposited into the electronic payment service, respectively. The charge history information is a history of the user's remittances to the electronic payment service to increase the charge balance. The payment history information is information showing the details of the payments made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.) for each payment.

[0027] FIG. 6 is a diagram showing an example of the contents of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name, sales amount (described above), and information on an affiliated store (second information 322) are associated with an affiliated store ID, and a third table 176C in which a store name is associated with a store ID. In addition to the above information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns. Information held by the payment server 100, such as the user information 172 and the affiliated store / store information 176, is provided to the management server 200.

[0028] The information management unit 140 manages user information 172 and affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, and deletes the user information 172 and affiliated store / store information 176.

[0029] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0030] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0031] [Management Server] FIG. 7 is a diagram showing an example of the functional configuration of the management server 200. The management server 200 includes, for example, a communication unit 210, a first processing unit 220, a second processing unit 230, an integrated processing unit 240, and a storage unit 300. The components other than the communication unit 210 and the storage unit 300 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transient storage medium), or may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium), and may be installed in the storage device by mounting the storage medium in a drive device.

[0032] The storage unit 300 is a HDD, a flash memory, a RAM, etc. The storage unit 300 may be a NAS device that the management server 200 can access via a network. The storage unit 300 stores information such as first information 312, a first model 314, second information 322, a second model 324, and proposed information 326.

[0033] The communication unit 210 is a communication interface for connecting to the network NW. The communication unit 210 is, for example, a network interface card.

[0034] The first processing unit 220 predicts future sales based on the past sales performance of the affiliated store of the electronic payment service. The second processing unit 230 derives an index relating to a specific condition under which the affiliated store will cease to be an affiliated store after a predetermined period of time, or the affiliated store will be determined to be inappropriate as an affiliated store after a predetermined period of time, based on the affiliated store information managed in the electronic payment service. The integrated processing unit 240 derives an evaluation index for the provision conditions when providing funds to the affiliated store, based on the future sales and the above index.

[0035] [overview] The payment server 100 refers to the proposal information 178 prepared for each affiliated store of the electronic payment service stored in the memory unit 170, identifies the provision conditions for the provision of funds that can be proposed to the affiliated store, and provides the identified provision conditions to the affiliated store interface 72 (the affiliated store's terminal device). The proposal information 178 is an evaluation index determined for each affiliated store, and is information that specifies the proposable provision conditions based on the evaluation index associated with each provision condition.

[0036] 8 and 9 are diagrams showing an example of the proposed information 178. The proposed information 178 is information generated for each affiliated store. The proposed information 178 is, for example, information that specifies the provision conditions regarding the provision of funds that can be proposed to the affiliated store. The provision conditions are, for example, a combination of an execution amount, a settlement ratio, and a fee. Some of the information among these provision conditions may be omitted or may be fixed. The number of settlement months in FIG. 8 and FIG. 9 is the number of months for settling the funds procured from the fund raising service (or provided by the fund providing service).

[0037] The execution amount is the amount that can be procured from the fund-raising service for the affiliated store (e.g., the credit amount, the amount that can be provided, the amount that can be offered, or the amount that the affiliated store receives). The commission is the commission for fund-raising. The settlement ratio is an indicator of what proportion of the sales of an affiliated store that uses an electronic payment service is allocated to settlement. For example, an affiliated store is credited with the amount settled at the affiliated store using the electronic payment service at specified intervals (e.g., credited to the electronic wallet of the affiliated store of the electronic payment service). The settlement ratio is the proportion of this credit that is allocated to settlement.

[0038] A proposable provision condition is a provision condition whose evaluation index (described in detail later) is equal to or greater than a threshold. As described later, an evaluation index is derived for each provision condition, and a proposed condition whose evaluation index is equal to or greater than a threshold is specified as a proposable provision condition. A proposable provision condition may be a provision condition whose evaluation index is equal to or greater than a threshold and whose provision condition is preset and satisfies the condition.

[0039] 8(1) in the proposal information 178, for example, if the settlement ratio is 5% and the execution amount is 100,000 yen, 5% of the member store's expected sales (1 million yen), or 50,000 yen, will be allocated to settlement over two months. If the execution amount is 900,000 yen or more and the settlement ratio is 5% in the proposal information 178 (1), fund raising will not be proposed to or approved for the member store.

[0040] 9 (2) In the case where the execution amount exceeds 150,000 yen and the settlement ratio is 5% or 10% in the proposal information 178, the fund raising is not proposed to the affiliated store and is not allowed. The affiliated store to which the proposal information 178 (2) applies is different from the affiliated store to which the proposal information 178 (1) applies.

[0041] As described above, proposal information 178 is prepared for each affiliated store, and the payment server 100 refers to the proposal information 178 corresponding to the target affiliated store to make fundraising proposals or provide fundraising services related to fundraising.

[0042] [Information provided to affiliated stores] The payment server 100 provides the interface for affiliated stores 72 with a provision condition whose evaluation index is equal to or greater than a threshold as a proposable provision condition. If there is no such provision condition whose evaluation index is equal to or greater than a threshold, the payment server 100 determines that there is no such proposable provision condition and does not provide information related to the provision of funds to the interface for affiliated stores 72. The proposal information 178 is updated at predetermined intervals (for example, once a month) according to the sales performance of the affiliated stores. The payment server 100 determines whether there are any proposable provision conditions based on the updated proposal information 178, and provides the provision conditions to the interface for affiliated stores 72 according to the result of the determination. Proposable proposal conditions are, for example, proposal conditions whose evaluation index is equal to or greater than a threshold and whose provision conditions are preset and satisfy the conditions (the execution amount, settlement ratio, or commission satisfy the conditions).

[0043] The payment server 100 obtains information on the amount selected by the member store from the member store interface 72 among the amounts that can be proposed to the member store, and provides information on the settlement ratio that can be proposed to the member store interface 72 based on the amount selected by the member store to be received and the evaluation index. The payment server 100 determines a commission rate based on the settlement ratio selected by the member store from the settlement ratios that can be proposed and the credit amount selected by the member store, and provides information on the determined commission rate to the member store interface 72. For example, the amount to be received by the member store is determined, the settlement ratio is determined, and a settlement plan including fees and the like is determined and presented as follows:

[0044] [Interface screen (1)] FIG. 10 is a diagram showing an example of an interface screen provided to the affiliated store interface 72. The settlement server 100 refers to the proposed information 178 and provides the affiliated store interface 72 with the interface screen IF1. The interface screen IF1 includes an area for inputting the application amount for the service related to the provision of funds, a recommended application amount, a scheduled transfer date for the application amount, a rate to be debited from the deposit (settlement rate), and a confirmation button. The recommended application amount is an amount that is specified as being proposable in the proposed information 178. The rate to be debited from the deposit is also an amount that is specified as being proposable in the proposed information 178. The rate to be debited from the deposit is a rate that is determined based on the application amount and the proposed information 178.

[0045] As described above, the payment server 100 can provide information according to the affiliated store by referring to the proposed information 178. For example, the payment server 100 can propose information such as a recommended application amount according to the affiliated store and a rate to be debited from the deposit.

[0046] [Interface screen (2)] 11 is a diagram showing another example of an interface screen provided to the affiliated store interface 72. This screen is displayed when the user inputs the application amount and the rate to be deducted from the deposit on interface screen IF2 and operates the confirmation button. Interface screen IF2 includes information such as the application amount, usage fee, total amount, monthly deposit amount (settlement amount), transaction amount, settlement amount, transfer amount, estimated settlement amount for the next time, and settlement schedule.

[0047] As described above, the payment server 100 provides the affiliated store with information such as the usage fee and settlement amount in accordance with the information input by the affiliated store, thereby enabling the affiliated store to easily understand the details of the fund raising service.

[0048] The payment server 100 may provide each of the provision conditions to the interface for affiliated stores 72 by referring to the evaluation index (FIG. 20 described later) for each provision condition described later. The payment server 100 may preferentially provide the interface for affiliated stores 72 with provision conditions (amount, settlement ratio, usage fee, or a combination thereof) whose evaluation index is included in a predetermined upper range and whose provision condition satisfies a preset condition. The upper range of the evaluation index means a predetermined number of high evaluation indexes. For example, the payment server 100 may preferentially propose an application amount with a higher evaluation index, and may preferentially propose a settlement ratio with a higher evaluation index for the application amount selected by the affiliated store. Furthermore, the payment server 100 may provide the interface for affiliated stores 72 with a usage fee rate with a higher evaluation index among the application amount and settlement ratio selected by the affiliated store. This allows the payment server 100 to propose provision conditions that are more suitable for the service provider to the interface for affiliated stores.

[0049] [Flowchart (1)] FIG. 12 is a flowchart showing an example of the flow of the process executed by the payment server 100. First, the payment server 100 judges whether or not there is access from the interface 72 for member stores (S100). If there is access from the interface 72 for member stores, the payment server 100 acquires identification information of the member store and identifies the member store (S102). For example, the payment server 100 acquires identification information of the member store input to the interface 72 for member stores, and identifies the member store based on the acquired identification information (S104). Next, the payment server 100 identifies the proposed information 178 corresponding to the identified member store (S106). For example, the proposed information 178 is prepared for each member store, so the payment server 100 identifies the proposed information 178 corresponding to the identified member store.

[0050] Next, the settlement server 100 refers to the proposal information 178 and determines whether or not a fund-raising service can be proposed to the affiliated store (S106). For example, depending on the affiliated store (proposal information 178), a fund-raising service may not be proposed. For example, the proposal information 178 may specify that a proposal cannot be made for all amounts, settlement rates, etc. In this case, it is determined that a fund-raising service cannot be proposed, and the process of S108 is skipped.

[0051] If a fund raising service can be proposed, the payment server 100 refers to the proposal information 178 corresponding to the affiliated store and provides information on the fund raising service to the affiliated store interface 72 (S108). For example, the above-mentioned interface screen IF1 or interface screen IF2 is provided. This completes the processing of one routine of this flowchart. The information on the fund raising service may be notified by push notification.

[0052] [Generate proposal information] The following describes the process of generating the proposed information 178. Fig. 13 is a diagram showing an overview of the process of generating the proposed information 178. An integration process is performed to integrate the first process (the processing result using the first model 314) and the second process (the processing result using the second model 324), and the proposed information 178 is generated.

[0053] [First process] The first processing unit 220 predicts future sales of the affiliated store using the first model 314. Fig. 14 is a diagram for explaining the first processing. The first model 314 is a model that outputs future sales of the affiliated store when the first information 312 is input. The first model 314 is, for example, a statistical prediction model of time series data.

[0054] The first information 312 includes information indicating the sales (sales record) of the affiliated store for each day, the day of the week (Monday, Saturday, etc.) for each day, and which days are holidays. In addition to the above information, the first information 312 may include other information.

[0055] When the first information 312 is input, the first model 314 predicts future sales. For example, it outputs time-series sales information (e.g., trend line L1) shown in FIG. 14. The first processing unit 220 generates sales information (e.g., trend line L2) by correcting the output sales information by applying a predetermined function or algorithm. For example, when sales are on an upward trend, the first processing unit 220 conservatively adjusts the sales to suppress the upward trend. Note that when sales are on a downward trend, no adjustment may be made.

[0056] Furthermore, the first processing unit 220 sets a fluctuation range for the sales. The fluctuation range is a preset fluctuation range. The fluctuation range may vary depending on the amount of sales, the sales trend (tendency to increase or decrease), the day of the week, the type of day of the week (weekday or holiday, etc.), or a combination of these. In this way, future sales and the fluctuation range are identified and used in the integration process.

[0057] The first model 314 is a model that models each of the trend g(t), periodicity s(t), h(t), and e(t) as a function of time t, as shown in the following formula (1), and calculates the output y by adding the derived results of these functions. The first model 314 is a model for each affiliated store that is tuned according to, for example, the size of past sales, sales trends (tendencies of increase or decrease), days of the week, types of days of the week (weekdays or holidays, etc.), or combinations of these. For example, the first model 314 is a model that is updated monthly according to monthly sales, etc. This model is one example of the first model 314, and naturally other models may be applied. y=g(t)+s(t)+h(t)+e(t)...(1)

[0058] The first model 314 is not limited to the above, and may be a model that learns learning information and outputs future time-series sales when input information is input. The learning information is information in which future time-series sales are associated with learning input information (sales amount, sales trend (tendency to increase or decrease), day of the week, type of day of the week (weekday or holiday, etc.), or a combination of these).

[0059] [Second Processing] The second processing unit 230 predicts the future probability of an affiliated store closing by using the second model 324. FIG. 15 is a diagram for explaining the second processing. The second model 324 is a model that outputs the future probability of an affiliated store closing when the second information 322 is input. The second model 324 is, for example, a trained model such as LightGBM.

[0060] The second information 322 includes, for example, past sales, the business type of the affiliated store, the prefecture in which the affiliated store is located, the number of days since the affiliated store was registered, the payment unit price at the affiliated store, the number of payment users, the time of payment, bankruptcy probability, the number of inquiries, and the type of inquiry. Some of this information may be omitted. The payment unit price is, for example, a statistically processed unit price such as an average unit price or a median. The payment time may be, for example, each time a payment is made, or may be one or more representative times at which each time is statistically processed. The bankruptcy probability is the bankruptcy probability of the affiliated store provided by a research company or the like. The number of inquiries is the number of inquiries about the affiliated store made to the customer center of the electronic payment service. The type of inquiry is the type of inquiry (such as a complaint or other inquiry) about the affiliated store made to the customer center of the electronic payment service.

[0061] The second information 322 may be information managed by an electronic payment service (e.g., the payment server 100) in addition to or instead of the above. The second information 322 may include, for example, the user information 172 (for example, it may include characteristics (attributes) of main users who use the affiliated store derived by analyzing information managed by the payment server 100). The second information 322 may also include information on the owner of the affiliated store. For example, the owner's personality and characteristics analyzed based on information managed by the electronic payment service, the history of use of the electronic payment service, characteristics of the usage mode of the electronic payment service, etc. Without being limited thereto, the second information may be information held by an associate who is affiliated with the operator of the electronic payment service.

[0062] When the second information 322 is input, the second model 324 derives and predicts the store closure probability within a predetermined month. Instead of the store closure probability, the second model 324 may derive the probability that sales will be equal to or below a threshold. In this manner, the store closure probability is derived and used in the integration process.

[0063] The second model 324 is a model that, for example, learns learning information and outputs a store closure probability (or a probability that sales will reach a threshold value) when the second information 322 is input. The learning information is information in which the store closure probability, which is correct answer data, is associated with the second information 322 for learning.

[0064] In the above-mentioned second model 324, for example, prefecture, number of inquiries, type of inquiry, etc., in addition to sales, are variables that affect store closure. Although it is possible to derive the store closure probability even if these variables are excluded, it is preferable to input one or more pieces of information, such as prefecture, number of inquiries, type of inquiry, etc., in addition to sales, into the second model 324.

[0065] [Merge Processing] The integration processing unit 240 performs an integration process that utilizes the results of the first process and the second process. Fig. 16 is a diagram for explaining an overview of the integration process. (1) The integrated processing unit 240 performs a sales simulation. The integrated processing unit 240 simulates sales forecasts for a predetermined period (for example, any period such as 12 months, 24 months, or 36 months) a predetermined number of times for each affiliated store. (2) The integration processing unit 240 calculates an evaluation index of risk / return for each combination of “usage amount,” “settlement ratio,” and “fee” based on the prediction in (1) above. (3) The integration processing unit 240 narrows down the conditions by referring to the evaluation index. The integration processing unit 240 uses the evaluation index to exclude combinations with high risk and identifies the optimal combination of conditions (usage amount, settlement ratio, and fee).

[0066] The above (1) and (2) are examples of processing in which the integrated processing unit 240 "generates sales simulation patterns of future sales taking into account the probability of satisfying the specific condition, which is the index, based on the future sales and the probability of satisfying the specific condition, generates multiple provision conditions with different contents, and derives the evaluation index based on the results of applying each of the provision conditions to each of the sales simulation patterns."

[0067] [(1) Simulation] FIG. 17 is a diagram for explaining the simulation. The integration processing unit 240 generates a plurality of future sales simulation patterns, assuming that future sales will fluctuate randomly within a predetermined fluctuation range. The integration processing unit 240 uses the sales prediction obtained in the first process and random numbers to predict future daily sales for a predetermined period, reflecting the fluctuation range of sales. The integration processing unit 240 randomly sets future sales, for example, so that the sales of each day fall within the fluctuation range for each day. The above fluctuation range may be a fluctuation range that is determined in advance based on information such as the day of the week and the increase / decrease trend of sales. In addition, sales may be simulated so that an error occurs within the fluctuation range according to the probability distribution of errors according to the day of the week and the increase / decrease trend of sales. In this way, a sales simulation of sales is performed a predetermined number of times.

[0068] The integrated processing unit 240 determines that the affiliated store will satisfy the specific condition after a predetermined period of time according to the probability of satisfying a specific condition in the sales simulation pattern (probability of store closure, or probability of sales falling below a threshold), sets the date on which the specific condition is satisfied, and sets the sales of the affiliated store to zero after the date on which the specific condition is satisfied. The integrated processing unit 240 causes a store closure according to the store closure probability obtained in the second process, and sets sales to "0" after the store closure. For example, the integrated processing unit 240 sets a store closure for a predetermined simulation of the results of a predetermined number of simulations so that a store closure occurs according to the store closure probability.

[0069] [(2) Calculation of evaluation indicators] The integration processing unit 240 calculates an evaluation index. The integration processing unit 240 applies each of the supply conditions to each of the sales simulation patterns, and calculates a return and a risk measure by a profit distribution based on a plurality of simulation results. The return is, for example, an index indicating the return for each supply condition. The risk measure is, for example, an index indicating the risk for each supply condition. An example of the return is the expected profit, and an example of the risk measure is the standard deviation or CVaR (Condition Value at Risk). The integration processing unit 240 generates an evaluation index based on the return and the risk measure. The evaluation index is, for example, an index generated by statistically processing the return and the risk measure. In this way, the integration processing unit 240 derives an evaluation index for each supply condition.

[0070] 18 and 19 are diagrams for explaining the process of calculating the evaluation index. The integration processing unit 240 generates a predetermined pattern of combinations of the usage amount, the settlement ratio, and the commission rate, as shown in Fig. 18. For example, a first predetermined pattern is generated for the usage amount, a second predetermined pattern for the settlement ratio, and a third predetermined pattern for the commission rate, and a predetermined pattern is generated by combining these.

[0071] The integration processing unit 240 applies each of the predetermined patterns to each of the simulations in (1) above, and calculates the return, risk measure, and evaluation index for each of the predetermined patterns shown in Fig. 19. In this way, the return, risk measure, and evaluation index for each of the predetermined patterns are calculated.

[0072] The return is, for example, the average profit obtained, and is the average of the settlement amount (the amount settled by the affiliated store for the affiliated store's fundraising) minus the amount used. The risk measure is, for example, the average of a specified percentage of the worst case, and is the average of the lower specified percentage of the settlement amount minus the amount used. The evaluation index is an evaluation index of risk return, and is an index obtained by dividing the return by the risk measure.

[0073] For example, a certain combination (amount of use, settlement ratio, and commission rate) is applied to a predetermined simulation to calculate the return, risk measure, and evaluation index. This is performed for each of the combinations of the predetermined patterns to calculate the return, risk measure, and evaluation index for each pattern.

[0074] As a result, the integrated processing unit 240 generates correspondence information in which an evaluation index is associated with each combination of usage amount, settlement ratio, and commission rate as shown in FIG. 20. In other words, the integrated processing unit 240 generates correspondence information in which an evaluation index is associated with each of a plurality of provision conditions for each affiliated store. The larger the evaluation index, the higher the evaluation. For example, the evaluation index tends to be large in the following cases: The commission rate is high. Sales are high. Sales fluctuation is small. The probability of store withdrawal is low. Usage amount is low. The settlement ratio is high.

[0075] [(3) Narrow your search criteria] The integration processing unit 240 generates proposal information 326 (proposal information 178) by referring to the above evaluation indexes. For example, the integration processing unit 240 sets the usage amount, settlement ratio, and commission rate for which the evaluation index is equal to or greater than a threshold as conditions for which it can propose to the affiliated store. Furthermore, among the conditions for which it can propose, the integration processing unit 240 may set the usage amount, settlement ratio, or commission rate below a threshold as a condition for which it can propose. In this way, the integration processing unit 240 generates the proposal information 326 described above.

[0076] [flowchart] 21 is a flowchart showing an example of the flow of processing executed by the management server 200. First, the management server 200 determines whether or not a predetermined timing has arrived (S200). The predetermined timing is, for example, the timing when the sales for each month are finalized, such as once a month.

[0077] When a predetermined timing arrives, the management server 200 acquires the result of the first process using the first model 314 (S202). Next, the management server 200 acquires the result of the second process using the second model 324 (S204). Next, the management server 200 executes a simulation using the result of the first process (S206), and acquires the result of the third process in which the result of the second process is applied to the simulation (S208). For details, see FIG. 17 described above.

[0078] Next, the management server 200 calculates an evaluation index for each combination of "usage amount," "settlement ratio," and "fee rate" (S210). Next, the management server 200 refers to the evaluation index and generates proposal information 326 (S212). This completes the processing of one routine of this flowchart.

[0079] As described above, the integrated processing unit 240 can derive more accurate evaluation indices for the provision conditions when providing funds to an affiliated store, based on future sales and the indices.

[0080] Instead of the above process, the integrated processing unit 240 may derive an evaluation index for the provision conditions using a predetermined algorithm, corresponding information, a trained model, or the like, from the future sales that are the result of the first process and the store closure probability (or the probability that sales will be equal to or less than a threshold) that are the result of the second process. For example, the predetermined algorithm is an algorithm using a function with future sales and store closure probability as parameters. The corresponding information is information in which an evaluation index is associated with a combination of sales and store closure probability. The trained model is a model in which learning information in which an evaluation index is associated with a combination of sales and store closure probability is learned. The trained model is a model that, when information on a combination of sales and store closure probability is input, outputs an evaluation index according to the input information.

[0081] In addition, future sales and store closure probability (or the probability that sales will be below a threshold) may be calculated using a model other than the above-mentioned model, such as a linear model or a specified function, instead of the above-mentioned model.

[0082] Although the processing of the present embodiment has been described as being applied to a fund raising service (or a fund provision service), it may instead (or in addition) be applied to a fund lending service. In this case, "fund raising" or "fund provision" in the present embodiment should be read as "loan", "settlement" as "repayment", and "receipt" as "borrowing".

[0083] According to the embodiment described above, the management server 200 derives an evaluation index for the provision conditions when providing funds to an affiliated store, based on future sales and an index related to a specific condition under which the affiliated store will no longer be an affiliated store after a predetermined period of time, or the affiliated store will be determined to be inappropriate as an affiliated store after the predetermined period of time. This enables the management server 200 to provide more appropriate provision conditions for the provision of funds according to the affiliated store.

[0084] According to the embodiment described above, the payment server 100 refers to the proposal information prepared for each affiliated store of the electronic payment service stored in the memory unit, identifies the provision conditions for the provision of funds that can be proposed to the affiliated store, and provides the identified provision conditions to the affiliated store's terminal device, thereby being able to provide more appropriate provision conditions for the provision of funds according to the affiliated store.

[0085] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0086] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Section 200 Management Server 220 First Processing Section 230 Second Processing Section 240 Integrated Processing Unit 312 1st information 314 1st Model 322 Second information 324 2nd Model 326 Proposal Information

Claims

1. Refer to the proposal information prepared for each affiliated store of the electronic payment service stored in the storage unit, Identifying the terms of the provision of funds that can be proposed to the member store from among multiple proposal terms; An information processing device that provides the specified provision conditions to a terminal device of an affiliated store, calculating, for each franchisee, an evaluation index based on risk and return when each of the provision conditions is applied to a sales simulation performed using the predicted future sales of the franchisee and the predicted probability of the franchisee closing; generating the proposal information including the proposal conditions of evaluation indexes that satisfy a criterion among the evaluation indexes corresponding to each of the provision conditions; the provision conditions include a combination of an amount to be received by the affiliated store and a settlement ratio by which the amount to be received by the affiliated store is settled from sales of the affiliated store using the electronic payment service, providing a terminal device of the affiliated store with proposing conditions based on the proposal information; obtain information on an amount to be received by the member store selected by the member store from a terminal device of the member store among the amounts to be received by the member store under the provided available provision conditions; providing information on the settlement ratio that can be proposed to a terminal device of the affiliated store based on the amount to be received by the affiliated store selected by the affiliated store and the evaluation index; Information processing device.

2. the provision conditions being a combination of an amount received by the affiliated store, a settlement ratio for settling the amount received by the affiliated store from sales of the affiliated store using the electronic payment service, and a commission rate; providing a terminal device of the affiliated store with proposing conditions based on the proposal information; determining the commission rate based on the settlement ratio selected by the member store among the settlement ratios of the provided available provision conditions and the amount to be received by the member store selected by the member store; The information processing device according to claim 1 .

3. providing the provision conditions for which the evaluation index is equal to or greater than a threshold value to a terminal device of the affiliated store as the provision conditions for the evaluation index that satisfies the criterion that can be proposed; The information processing device according to claim 1 .

4. If there is no provision condition with the evaluation index equal to or greater than the threshold, it is determined that there is no producible provision condition, and information regarding the provision of funds is not provided to the terminal device of the affiliated store. The information processing device according to claim 3 .

5. the proposal information is updated at predetermined intervals in accordance with the sales performance of the affiliated store; determining whether or not the proposing condition exists based on the updated proposal information, and providing the proposing condition to a terminal device of the affiliated store according to a result of the determination; The information processing device according to claim 1 .

6. providing the provision condition, in which the evaluation index is equal to or greater than a threshold value and the provision condition satisfies a preset condition, to the terminal device of the affiliated store as the proposed condition of the evaluation index that satisfies the criterion; The information processing device according to claim 1 .

7. the provision conditions that satisfy the evaluation indexes that fall within a predetermined upper range and that are preset as the provision conditions are provided to the terminal device of the affiliated store preferentially; The information processing device according to claim 6.

8. Future sales predicted based on past sales performance of the member stores of the electronic payment service; and deriving an evaluation index based on an index related to a specific condition under which an affiliated store will cease to be an affiliated store after a predetermined period of time, or under which the affiliated store will be determined to be inappropriate as an affiliated store after the predetermined period of time, the index being derived based on information about the affiliated store managed in the electronic payment service; The information processing device according to claim 1 .

9. The computer Refer to the proposal information prepared for each affiliated store of the electronic payment service stored in the storage unit, Identifying the terms of the provision of funds that can be proposed to the member store from among multiple proposal terms; An information processing method for providing the specified provision conditions to a terminal device of an affiliated store, comprising: calculating, for each franchisee, an evaluation index based on risk and return when each of the provision conditions is applied to a sales simulation performed using the predicted future sales of the franchisee and the predicted probability of the franchisee closing; generating the proposal information including the proposal conditions of evaluation indexes that satisfy a criterion among the evaluation indexes corresponding to each of the provision conditions; the provision conditions include a combination of an amount to be received by the affiliated store and a settlement ratio by which the amount to be received by the affiliated store is settled from sales of the affiliated store using the electronic payment service, providing a terminal device of the affiliated store with proposing conditions based on the proposal information; obtain information on an amount to be received by the member store selected by the member store from a terminal device of the member store among the amounts to be received by the member store under the provided available provision conditions; providing information on the settlement ratio that can be proposed to a terminal device of the affiliated store based on the amount to be received by the affiliated store selected by the affiliated store and the evaluation index; Information processing methods.

10. On the computer, Refer to the proposal information prepared for each affiliated store of the electronic payment service stored in the storage unit; Allowing the member store to specify the terms of the proposed provision of funds from among a plurality of proposed terms; A program for providing the specified provision conditions to a terminal device of an affiliated store, calculating, for each franchisee, an evaluation index based on risk and return when each of the provision conditions is applied to a sales simulation performed using the predicted future sales of the franchisee and the predicted probability of the franchisee closing; generating the proposal information including the proposal conditions of evaluation indexes that satisfy a criterion among the evaluation indexes corresponding to each of the provision conditions; the provision conditions include a combination of an amount to be received by the affiliated store and a settlement ratio by which the amount to be received by the affiliated store is settled from sales of the affiliated store using the electronic payment service, Providing a terminal device of the affiliated store with a proposing condition based on the proposing information; obtain information on an amount to be received by the member store selected by the member store from among the amounts to be received by the member store under the provided available provision conditions from a terminal device of the member store; providing information on the settlement ratio that can be proposed based on the amount to be received by the affiliated store selected by the affiliated store and the evaluation index to a terminal device of the affiliated store; program.

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