Payment management device, payment management method, and program

Abstract

To provide a payment management device, a payment management method, and a program capable of suppressing or improving a decrease in a user's motivation for investing. [Solution] A payment management device that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, the payment management device comprising: a payment processing unit that realizes the electronic payment service; and a support information generation unit that generates support information to assist the user in making decisions when selecting investment target stocks, based on expenditure information regarding payments made by the user through payments using the electronic payment service.

Description

[Technical field]

[0001] The present invention relates to a payment management device, a payment management method, and a program. [Background technology]

[0002] Conventionally, in relation to electronic payment services that provide a payment function using electronic money, consideration has been given to improving the convenience of points by allocating the points to a part or all of the payment amount by deferred payment as a method of using the points given to users (see, for example, Patent Document 1). Patent Document 1 also describes the use of points for investment as a method of using points. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-147563 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, the conventional technology may not be able to sufficiently increase users' motivation to invest. More specifically, the conventional technology may not be able to provide investment information suitable for each individual user. Therefore, conventionally, users may not be able to make decisions about investing with a high sense of security or satisfaction.

[0005] The present invention has been made in consideration of these circumstances, and one of its objectives is to provide a payment management device, a payment management method, and a program that can suppress or increase a decline in users' motivation to invest. [Means for solving the problem]

[0006] One aspect of the present invention is a payment management device that provides an electronic payment service to a user in cooperation with an application program running on the user's terminal device, the payment management device comprising: a payment processing unit that realizes the electronic payment service; and a support information generation unit that generates support information to assist the user in making a decision when selecting investment target stocks, based on expenditure information regarding payments made by the user through payments using the electronic payment service. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a payment management device, a payment management method, and a program that can suppress or improve a decrease in a user's motivation for investing. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [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] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [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. 13 is a diagram showing an example of a screen (automatic addition setting screen) for performing automatic point addition setting, as an example of a user interface related to point investment. [Figure 8] FIG. 13 is a diagram showing an example of a screen that allows a user to individually select stocks in which to invest, as an example of a user interface related to point investment. [Figure 9]13 is a flowchart showing an example of a process flow in which the investment processing unit 150 provides a user with support information regarding point investment using the stock selection support function. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

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

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, 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, and an affiliated securities company server 200 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.

[0011] 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.

[0012] 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).

[0013] 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.

[0014] 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.

[0015] 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.

[0016] 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 procedure in which the user inputs 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.

[0017] 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).

[0018] 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.

[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, an investment processing unit 150, 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), or a GPU (Graphics Processing Unit), 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.

[0020] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. 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, payment content information 174, and affiliated store / shop information 176.

[0021] 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.

[0022] The payment 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 payment content providing unit 120 appropriately reads necessary content from the payment content information 174 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.

[0023] 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.

[0024] 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.

[0025] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an 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. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0026] The investment processing unit 150 executes a process for providing a user of an electronic payment service with an investment function using funds available in the electronic payment service. In the following, a case where the investment function provided by the investment processing unit 150 is "point investment" will be described. Point investment is a function for realizing investment using points granted in an electronic payment service as a source of funds. For example, the investment processing unit 150, in cooperation with the payment application 20, displays a user interface related to point investment on the user terminal device 10 and accepts user operations related to point investment via the user interface. The investment processing unit 150 requests the affiliated securities company server 200 to execute an investment under conditions specified via the payment application 20. The affiliated securities company server 200 executes a process for realizing an investment under the conditions requested by the investment processing unit 150, thereby realizing point investment for the target user.

[0027] The investment function provided by the investment processing unit 150 may be funded by funds other than points. For example, the investment processing unit 150 may provide an investment function funded by electronic money charged to a user's electronic payment account. Also, for example, the investment processing unit 150 may provide an investment function funded by available funds from a credit card, bank account, or the like that is registered in advance as a payment method in the electronic payment service.

[0028] The affiliated securities company server 200 is a server device of a securities company (hereinafter referred to as an "affiliated securities company") that receives and processes a request to execute a point investment from the settlement server 100. A securities account is opened in advance for the target user at the affiliated securities company, and the securities account is managed by the affiliated securities company server 200. The securities account manages the stocks held by the user, the number of each stock held, the current value of the stocks held, and the like. The request to execute a point investment may include information such as, for example, qualification information (ID and password) for accessing the user's securities account, the investment amount, and the stocks to be invested in. If the user has consented in advance to the provision of information between the electronic settlement service provider and the affiliated securities company, the user's identification information may be exchanged instead of the qualification information.

[0029] The investment amount in the point investment may be managed as it is, or may be converted into a cash equivalent amount and managed. For example, when the affiliated securities company server 200 has a function of managing the investment amount as points for a user of the point investment, the settlement server 100 may link the investment amount to the affiliated securities company server 200 as points. Also, for example, in order to eliminate the need for the affiliated securities company server 200 to distinguish between point investment and normal investment, the settlement server 100 may convert the points into an equivalent amount of cash and then link to the affiliated securities company server 200. Also, when the status of the point investment of each user is managed in the settlement server 100, the settlement server 100 may be configured to collectively manage the point investment of each user in a specific securities account. In this case, the affiliated securities company server 200 may be provided with the above-mentioned specific securities account instead of the securities account for each user. In addition to the above, the configuration of the securities account for realizing point investment, the configuration of points management, and the configuration of securities management may be appropriately modified depending on the relationship and arrangements between the payment service provider and the affiliated securities company, as long as it is possible to operate using points awarded through the electronic payment service.

[0030] 6 is a diagram showing an example of the contents of 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 and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this 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.

[0031] 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.

[0032] [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.

[0033] 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.

[0034] [Select investment target (Part 1: Automatic addition setting)] FIG. 7 is a diagram showing an example of a screen (automatic addition setting screen) for performing automatic addition setting of points as an example of a user interface related to point investment. The example of FIG. 7 shows a case where the automatic addition setting screen B10 is displayed by screen transition from the payment history screen A10. The payment history screen A10 and the automatic addition setting screen B10 are both screens displayed in the payment application 20. The payment history screen A10 is a screen that displays the history of payments made by the user using an electronic payment service. The payment history screen A10 has, for example, a list display area A11 that displays a list of payments made in the past, and a button A12 for transitioning to the automatic addition setting screen B10. The list display area A11 displays the payee, date, progress of the payment, payment amount, and the like for each payment made in the past. In addition, the list display area A11 displays buttons A111 to A115 for displaying detailed information for each listed payment. The user can display detailed information of the corresponding payment history by operating any of the buttons A111 to A115 as necessary.

[0035] The automatic addition setting screen B10 is a screen that provides a user interface for setting point investment. In the example of FIG. 7, the automatic addition setting screen B10 provides a user interface for setting automatic point addition. Here, the automatic point addition setting refers to a setting for whether or not granted points are automatically added to a point investment. Adding to a point investment means using points as a source of funds for point investment. The automatic addition setting screen B10 has, for example, an automatic addition setting switching section B11, a first course selection section B12, and a second course selection section B13.

[0036] The automatic addition setting switching unit B11 is a user interface that accepts an operation to enable / disable the automatic addition setting. When an operation to disable the automatic point addition setting is performed in the automatic addition setting switching unit B11, points will no longer be automatically added to the point investment when points are subsequently awarded. After the automatic point addition setting is disabled, points are added to the point investment by the user's operation. This operation includes an operation by the user to select a stock to be invested in, and the investment processing unit 150 can support the user's decision-making when selecting a stock to be invested in by using a stock selection support function described below.

[0037] On the other hand, when an operation to activate the automatic point addition setting is performed in the automatic addition setting switching unit B11, the points that are awarded thereafter are automatically added to the point investment when points are awarded. After the automatic point addition setting is activated, the points are automatically added to the course previously set in the first course selection unit B12 or the second course selection unit B13 when points are awarded.

[0038] Here, the first course and the second course are classifications of investment targets (hereinafter also referred to as "courses") that can be selected in point investment. The first course is selected from a group of courses classified into the first course classification, and the second course is selected from a group of courses classified into the second course classification. The first course and the second course are selectable when the automatic addition setting is enabled, and either the first course or the second course can be selected as an investment target.

[0039] The first and second course classifications may be classified according to any criteria, and the number of course classifications and courses may be designed arbitrarily. Here, as an example, the first course classification is a classification of courses that aim to achieve investment results that are linked to the price movements of the investment target, and the second course classification is a classification of courses that aim to achieve investment results that are inversely linked to the price movements of the investment target. The example of FIG. 7 is an example in which, for example, five courses from Course A to Course E are classified into the first course classification, and Course F is classified into the second course classification. The type of investment results that each course aims for may be designed arbitrarily according to the criteria of the course classification to which each course belongs.

[0040] [Selection of investment targets (Part 2: Stock selection support function)] FIG. 8 is a diagram showing an example of a screen for allowing a user to individually select stocks as investment targets, as an example of a user interface for point investment. The example of FIG. 8 shows a case where a stock selection screen D10 is displayed by screen transition from a sector selection screen C10. Here, a sector is a classification of stocks that can be selected as investment targets, for example, stocks are classified by related business type, industry, theme, etc. The sector selection screen C10 presents multiple options C11 for sectors and accepts a user's selection operation for the presented options C11. When the sector selection screen C10 accepts a sector selection operation, it transitions to a stock selection screen D10 corresponding to the selected sector. The sector selection screen C10 may provide a means C12 for selecting a sector other than the sectors presented in the options C11.

[0041] The stock selection screen D10 presents a group of stocks belonging to the sector selected on the sector selection screen C10 as investment stock options D11, and accepts the user's selection operation for the presented options. The stock selection screen D10 may be controlled so as to be operable when the automatic point addition setting is disabled. Also, when an investment stock is selected on the stock selection screen D10, the automatic point addition setting may be controlled so as to be automatically disabled. The stock selection screen D10 may provide a means D12 for selecting stocks other than those presented on the options D11. Also, the investment processing unit 150 accepts the designation of the number of points to be added to the selected stock along with the stock selection. The investment processing unit 150 adds the designated number of points to the point investment of the designated stock.

[0042] At this time, the investment processing unit 150 provides information (hereinafter referred to as "support information") for supporting the user's decision-making when selecting an investment target stock on the sector selection screen C10 or the stock selection screen D10 by using the stock selection support function. More specifically, the investment processing unit 150 generates the support information based on information on the payment made by the user using the electronic payment service (hereinafter referred to as "expenditure information"). For example, the expenditure information is payment history information included in the user information 172. The payment history information may include information on the affiliated store used by the user and information on the products and services purchased by the user, and by analyzing this information, it is possible to grasp the tendency of the sectors and stocks preferred by the user. The expenditure information may be acquired and managed by the payment server 100, or may be acquired from another device, so long as it is history information on payments made by payment means available in the electronic payment service. For example, the investment processing unit 150 may be configured to acquire payment history information on payments made using credit cards from the system of a credit card company that is a separate entity from the operator of the electronic payment service.

[0043] For example, the payment history information and charge history information in the example of Fig. 5 are examples of expenditure information. For example, the investment processing unit 150 performs a ranking process on sectors based on these expenditure information, and displays the top ranked sectors (e.g., 1st to 4th place) as options on the sector selection screen C10. The sector ranking process results displayed on the sector selection screen C10 in this manner are an example of support information.

[0044] Also, for example, the investment processing unit 150 performs a ranking process on the stocks belonging to the sector selected on the sector selection screen C10 based on the above-mentioned expenditure information, and displays the top-ranked stocks (for example, 1st to 3rd place) on the stock selection screen D10 as options. The stock ranking process result displayed on the stock selection screen D10 in this manner is an example of support information.

[0045] In this way, by providing a selection of sectors or stocks extracted based on expenditure information, users can make decisions when selecting investment targets for point investment with a high degree of security and satisfaction.

[0046] FIG. 9 is a flowchart showing an example of a process flow in which the investment processing unit 150 provides a user with support information on point investment by the stock selection support function. For example, the flowchart in FIG. 9 is executed when the user operates the sector selection screen C10 and / or the stock selection screen D10 to select an investment target stock. For example, first, the investment processing unit 150 receives a request to acquire the sector selection screen C10 from the payment application 20 (S101). Next, the investment processing unit 150 acquires expenditure information of the requesting user, and executes a ranking process of the sectors based on the acquired expenditure information (S102). Here, it is assumed that the user has logged in to the electronic payment service via the payment application 20, and the login status is managed by the payment server 100. Therefore, the payment server 100 can identify the requesting user by referring to the login status of the requesting payment application 20. The investment processing unit 150 generates first support information based on the result of the ranking process executed in S102 (S103).

[0047] For example, the investment processing unit 150 may tally up the amount paid by the user using the electronic payment service for each sector to which the payment destination affiliated store belongs, rank them in order of the total amount, and generate the first support information based on the ranking result. Also, for example, the investment processing unit 150 may tally up the amount paid by the user using the electronic payment service for each payment destination affiliated store, rank them in order of the total amount, and generate the first support information based on the ranking result. Also, the investment processing unit 150 may rank based on the result of tallying up the number of payments made instead of the payment amount. Also, the investment processing unit 150 may rank based on the result of tallying up the payment amount and the number of payments for each location or region where the payment destination affiliated store is located. Also, the investment processing unit 150 may be configured to filter the payment history to be aggregated based on the attributes of the payment destination affiliated store or the attributes of the user. In addition to these, the target of aggregation and the unit of aggregation in the aggregation of expenditure information may be changed to any mode based on attributes that can be recognized based on the user information 172 or the affiliated store / store information 176, or a combination thereof.

[0048] The investment processing unit 150 generates content for the sector selection screen C10 capable of displaying the first support information generated in S103, and distributes it to the requesting payment application 20 (S104). For example, the investment processing unit 150 may generate and distribute the content for the sector selection screen C10 via the payment content providing unit 120. The payment application 20 displays the sector selection screen C10 by playing back the content received from the payment server 100. Next, the payment application 20 accepts a sector selection operation on the sector selection screen C10, and transmits information on the sector selected by the operation (sector selection information) to the payment server 100.

[0049] Next, the investment processing unit 150 recognizes the sector (target sector) selected by the user on the sector selection screen C10 from the sector selection information received from the payment application 20 (S105), and executes a ranking process for the stocks belonging to the target sector (S106). The investment processing unit 150 generates second support information based on the result of the ranking process executed in S106 (S107).

[0050] For example, the investment processing unit 150 ranks stocks belonging to the target sector in order of the investment effect in a predetermined period in the past, and generates the second support information based on the ranking result. The investment processing unit 150 may be configured to filter stocks to be ranked by attributes that can be recognized based on the user information 172 and the affiliated store / shop information 176, or a combination thereof. For example, the investment processing unit 150 may be configured to calculate a score of the degree of relevance with affiliated stores frequently used by users for each stock belonging to the target sector, and to make stocks with the score equal to or greater than a predetermined threshold the target of ranking processing.

[0051] The investment processing unit 150 generates content of the stock selection screen D10 capable of displaying the second support information generated in S107, and distributes it to the payment application 20 that made the request (S108). For example, the investment processing unit 150 may generate and distribute the content of the stock selection screen D10 via the payment content providing unit 120. The payment application 20 displays the stock selection screen D10 by playing back the content received from the payment server 100. Next, the payment application 20 accepts a stock selection operation on the stock selection screen D10, and transmits information on the stock selected by the operation (stock selection information) to the payment server 100. Next, in the payment server 100, the investment processing unit 150 can recognize the stock selected by the user on the stock selection screen D10 as an investment target stock based on the stock selection information received from the payment application 20 (S109).

[0052] According to the embodiment described above, it is possible to suppress or improve the decrease in the motivation of the user for investment. More specifically, according to the stock selection support function of the embodiment, the user can select an investment target stock by referring to support information proposed based on the user's own expenditure information, so the hurdle for selecting an investment target stock is lowered, leading to an improvement in motivation. Furthermore, according to the stock selection support function of the embodiment, the user can select a target sector from among options of sectors proposed based on the user's own expenditure information, so the user can select an investment target stock from a sector that has a high affinity to the user. Furthermore, according to the stock selection support function of the embodiment, the user can select an investment target stock from among options of stocks proposed based on the user's own expenditure information, so the user can select a stock that has a high affinity to the user as the investment target. That is, according to the present embodiment, the user can make a decision about making an investment with a high sense of security and satisfaction.

[0053] <Modification> In the embodiment, a case has been described in which decision-making is supported when selecting a stock to be invested in a point investment, but the stock selection support function may be applied to any investment function service provided in a form other than point investment. In addition, the stock selection support function of the embodiment may be implemented in a system of another business that has a business partnership with the settlement business operator that provides electronic settlement services. For example, in the example of FIG. 1, if it can be assumed that the settlement business operator and the affiliated securities company have a business partnership and the user's consent has been obtained for the user's expenditure information to be provided to the affiliated securities company, the stock selection support function may be implemented as a function of the affiliated securities company server 200.

[0054] In the embodiment, the case where the investment processing unit 150 in the settlement server 100 generates support information (such as sectors and brands) based on the settlement history of the user and presents it to the user has been described. However, any behavioral history information that can grasp the target user in the electronic settlement service may be used to generate the support information instead of / in addition to the settlement history information. In this case, the settlement server 100 may be configured to acquire the behavioral history information of the target user from another specific system instead of / in addition to the history information generated / accumulated in the electronic settlement service. For example, the settlement server 100 may acquire the behavioral history information of the target user from the affiliated securities company server 200. Furthermore, when the settlement server 100 cooperates with an affiliated bank server instead of / in addition to the affiliated securities company server 200, it may acquire the behavioral history information of the target user (such as deposit / withdrawal and remittance history) from the affiliated bank server.

[0055] In the embodiment, in the user terminal device 10, the display and operation of various screens are controlled by the payment application 20 reproducing the content provided by the payment server 100, but these controls may be performed mainly by the payment server 100, mainly by the payment application 20, or by the cooperation of the payment server 100 and the payment application 20. For example, when the payment server 100 is the control entity, the payment server 100 may be configured to provide all of the content necessary for screen display to the payment application 20. Also, for example, when the payment application 20 is the control entity, the payment application 20 may be configured to include all of the content necessary for screen display. Also, for example, when the payment application 20 is the control entity, the payment application 20 may be configured to include a part of the content necessary for screen display and display the screen in combination with other content provided by the payment server 100.

[0056] 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]

[0057] 10 User terminal device 20. Payment App 50 First store terminal device 60 Store Code Image 70 Second store terminal device 72 Merchant Interface 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 150 Investment Department 170 Storage section 172 User information 174 Payment Content Information 176 Affiliated Stores / Store Information 200 Affiliated securities company server

Claims

1. A payment management device that provides an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, comprising: a payment processing unit for implementing the electronic payment service; a support information generating unit that generates support information for supporting the user in making a decision when selecting an investment target stock, based on history information regarding the payment made by the user through the settlement using the electronic settlement service, the support information providing options of stocks that can be selected as the investment target stock for each sector into which the stocks are classified; Equipped with The support information generation unit determines a group of sectors to be presented to the user as options for a target sector selected as a target for selecting the investment target stock based on history information of the user, and determines a group of stocks to be presented to the user as options for the investment target stocks belonging to the selected target sector based on history information of the user. Payment management device.

2. The history information includes history information of payments using electronic money that can be used in the electronic payment service, and / or history information of credit card payments that can be used in the electronic payment service. The payment management device according to claim 1 .

3. the support information generation unit performs a first ranking on the options for the sector based on a first value that can be recognized based on the history information, and provides the result of the first ranking to the user by including the result of the first ranking in the support information, the support information generation unit performing the first ranking by any one of the following methods (1) to (3): (1) The amount or number of payments made by the user using the electronic payment service is calculated for each sector to which the member store to which the payment is made belongs, and the calculated first value is used to rank the amounts or number of payments made by the user using the electronic payment service. (2) The amounts or the number of payments made by the user using the electronic payment service are totaled for each payment destination affiliated store, and the total value is set as the first value, and the items are ranked in order of the first value. (3) The amounts or the number of payments made by the user using the electronic payment service are calculated by tallying the amounts or the number of payments by the location or region of the affiliated store to which the payment is made, and the first values ​​are used to rank the amounts or the number of payments by the affiliated store. The payment management device according to claim 1 .

4. The support information generation unit filters the payment history to be aggregated in the first ranking based on attributes of the payment destination merchant and attributes of the user. The payment management device according to claim 3.

5. The support information generation unit extracts sectors to be subjected to the first ranking based on attributes that can be recognized regarding the user. The payment management device according to claim 3.

6. The support information generating unit performs a second ranking on the options of the investment target stocks based on a second value that can be recognized for the stocks belonging to the target sector, and provides the result of the second ranking to the user by including it in the support information, and performs the second ranking on the stocks belonging to the target sector in order of the highest investment effect in a specified period in the past. The payment management device according to claim 1 .

7. The support information generation unit calculates a score of the degree of relevance of each stock belonging to the target sector to affiliated stores frequently used by users, and selects stocks having a score equal to or greater than a predetermined threshold as the subject of the second ranking. The payment management device according to claim 6.

8. The support information generation unit extracts brands to be subjected to the second ranking based on attributes that can be recognized regarding the user. The payment management device according to claim 6.

9. A payment management method for providing an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, the method comprising: The payment management device, A payment process for implementing the electronic payment service; a support information generation process for generating support information for supporting the user in making a decision when selecting an investment target stock, based on history information regarding the payment made by the user through the settlement using the electronic settlement service, the support information providing options of stocks that can be selected as the investment target stock for each sector into which the stocks are classified; The purpose of the present invention is to The support information generation process determines a group of sectors to be presented to the user as options for a target sector selected as a target for selecting the investment target stock based on history information of the user, and determines a group of stocks to be presented to the user as options for the investment target stocks belonging to the selected target sector based on history information of the user. Payment management methods.

10. A program for causing a payment management device to provide an electronic payment service to a user in cooperation with an application program running on a terminal device of the user, The payment management device, A payment process for implementing the electronic payment service; a support information generation process for generating support information for supporting the user in making a decision when selecting an investment target stock, based on history information regarding the payment made by the user through the settlement using the electronic settlement service, the support information providing options of stocks that can be selected as the investment target stock for each sector into which the stocks are classified; The purpose is to execute the following: The support information generation process determines a group of sectors to be presented to the user as options for a target sector selected as a target for selecting the investment target stock based on history information of the user, and determines a group of stocks to be presented to the user as options for the investment target stocks belonging to the selected target sector based on history information of the user. program.

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