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

Abstract

To provide more useful information. [Solution] The information processing device includes an acquisition unit that displays code information encoded with the user's identification information on a display unit or reads code information provided in a store and acquires the user's service-related information obtained through use of an electronic payment service executed by an electronic payment application program that executes the electronic payment service in cooperation with a payment server, and a generation unit that generates information indicating the user's characteristics based on the service-related information acquired by the acquisition unit.

Description

[Technical field]

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

[0002] Conventionally, a screening execution device has been disclosed that can automatically perform everything from inquiring about credit to an external credit information agency to screening (see Patent Document 1). This screening execution device (1) acquires credit information linked to the customer identification data of the loan applicant from credit information data including customer identification data and credit information of multiple companies including the company against the customer, (2) aggregates the outstanding debt amount in the credit information of the loan applicant managed within the company and the outstanding debt amount in the acquired credit information for other companies than the company, (3) checks for each screening item whether the personal information of the loan applicant, such as age, and the aggregated total outstanding debt amount satisfy the screening contents by referring to a screening content master that includes the screening contents and the degree of loan refusal when the screening contents are not met, and (4) outputs the strongest degree of loan refusal for the screening items that do not satisfy the screening contents as the final screening result for the loan of the loan applicant. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-201729 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, conventional techniques may not provide sufficient useful information.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, a service providing system, an information processing method, and a program that can obtain more useful information. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that displays code information encoded with a user's identification information on a display unit, or reads code information provided in a store, and acquires service-related information of a user obtained through use of an electronic payment service executed by an electronic payment application program that executes the electronic payment service in cooperation with a payment server, and a generation unit that generates information indicating characteristics of the user based on the service-related information acquired by the acquisition unit. Effect of the Invention

[0007] According to one aspect of the present invention, more useful information can be provided. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of a configuration of an information processing system 1. [Diagram 2] FIG. 2 is a diagram illustrating an example of a functional configuration of the payment server 20. [Diagram 3] FIG. 13 is a diagram showing an example of the contents of payment information 34. [Figure 4] FIG. 13 is a diagram showing an example of the contents of deposit information 36. [Diagram 5] FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing device 60. [Figure 6] FIG. 2 is a diagram showing an example of an interface screen IM1. [Figure 7] FIG. 13 is a diagram showing an example of information provided to an information processing device 60. [Figure 8] FIG. 13 is a diagram showing an example of an interface screen IM2. [Figure 9] 13 is a diagram showing another example of information provided to the information processing device 60. FIG. [Figure 10] 1A and 1B are diagrams showing an example of information input on an input interface screen IM1 and an interface screen IM2. [Figure 11] FIG. 13 is a diagram for explaining integrated information 84. [Figure 12] FIG. 13 is a diagram for explaining a process for generating credit information 86. [Figure 13] FIG. 13 is a diagram showing an example of the contents of reference information 88. [Figure 14] 2 is a sequence diagram showing an example of a flow of processing executed by the information processing system 1. FIG. [Figure 15] FIG. 13 is a diagram showing an example of an interface screen IM3 that is displayed when information acquired by another service server 40 is acquired from an information processing device 60 and used. [Figure 16] FIG. 13 is a diagram showing an example of an interface screen IM4 for a user to check information that has been provided to other service servers 40 in the past. [Figure 17] FIG. 13 is a diagram showing an example of an interface screen IM5. [Figure 18] FIG. 1 is a diagram (part 1) for explaining the process executed by the payment server and the terminal device 10. [Figure 19] FIG. 2 is a diagram (part 2) for explaining the process executed by the payment server and the terminal device 10. [Figure 20] 13 is a diagram for explaining the consideration exchanged between the information processing device 60 and the service server 40. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, embodiments of an information processing device, a service providing system, an information processing method, and a program according to the present invention will be described with reference to the drawings.

[0010] The information processing device of this embodiment displays code information in which the user's identification information is encoded on a display unit, or reads code information provided in a store, and acquires service-related information about the user obtained through use of an electronic payment service executed by an electronic payment application program that executes the electronic payment service in cooperation with a payment server, and generates information indicating the user's characteristics based on the acquired service-related information.

[0011] The service-related information includes some or all of the following: the amount of electronic payment service used in a specified period, the type of store where the electronic payment service was used, the type of product or service paid for using the electronic payment service, the location where the electronic payment service was used, or the charge status of the charge balance of the electronic payment service. The information indicating the characteristics is information indicating the creditworthiness or evaluation of the target user, or information for estimating the creditworthiness or evaluation. The provider of the electronic payment service or a provider of a different service decides whether or not to provide the service based on the information indicating the characteristics, for example.

[0012] [Information Processing System] 1 is a diagram showing an example of the configuration of an information processing system 1. The information processing system 1 includes, for example, one or more terminal devices 10, a payment server 20, a plurality of service servers 40-1 and 40-2, and an information processing device 60. The information processing system 1 may have a plurality of service servers, not limited to the service servers 40-1 and 40-2. Hereinafter, when there is no need to distinguish between the service servers 40-1 and 40-2, they will be referred to as the service servers 40.

[0013] The terminal device 10, the payment server 20, the service server 40, and the information processing device 60 communicate with each other via a network NW. The network NW includes a wide area network (WAN), a local area network (LAN), the Internet, a cellular network, and the like.

[0014] The terminal device 10 is a computer device having a communication function and a display function, such as a smartphone, a personal computer, a tablet terminal, etc. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser or an application program operate in cooperation with each other to display content on the display unit of the terminal device 10 and to execute various processes.

[0015] The payment server 20 provides the terminal device 10 with content in response to a request sent by the terminal device 10, or provides content by starting an application installed in the terminal device 10 and communicating with the started application program to send and receive various information. The various processes are, for example, payment processes using electronic money. Details of the payment server 20 will be described later.

[0016] [Service Server] The service server 40 is, for example, a server device that provides the terminal device 10 with content in response to a request transmitted by the terminal device 10, or a server device that provides content by communicating with an application program installed in the terminal device 10 and transmitting and receiving various information when an application program is started. The service server 40 provides, for example, a news service, a shopping service, an auction service, a matching service, a stock trading service, a banking service, a social networking service, a navigation service, and the like, via a network. The settlement server 20 is an example of the service server 40.

[0017] The service server 40 acquires from the information processing device 60 some or all of the user information (e.g., item information of the user registration information) for determining whether or not to provide the service offered by the service server to the user, and decides whether or not to provide the service to the user based on the acquired information.

[0018] FIG. 2 is a diagram showing an example of the functional configuration of the payment server 20. The payment server 20 provides an electronic payment service. The payment server 20 includes, for example, an acquisition unit 22, a payment management unit 24, a payment processing unit 26, and a storage unit 30. The acquisition unit 22, the payment management unit 24, and the payment processing unit 26 are each implemented by a processor such as a CPU executing a program stored in a storage device to perform processing related to payment, which will be described later. The storage unit 30 stores payment service information 32. The payment service information 32 includes, for example, payment information 34 and deposit information 36.

[0019] 3 is a diagram showing an example of the contents of payment information 34. Payment information 34 is, for example, information including a history of payments made by a user using an electronic payment service. Payment information 34 is, for example, information that associates the date of payment, the store name, the store category (e.g., supermarket, izakaya, home appliance retailer, etc.), and store location information.

[0020] FIG. 4 is a diagram showing an example of the contents of the deposit information 36. The deposit information 36 is, for example, information regarding the deposit of an amount for a user to use an electronic payment service. The deposit information 36 is, for example, information in which the date of deposit, the deposit method, the deposit source, and the amount are associated with each other. The deposit method is, for example, a deposit using an ATM (Automatic Teller Machine) at a convenience store, a deposit made by linking with the user's bank account, a deposit remitted from another user, etc. The remittance is, for example, made using a remittance service between users implemented in the electronic payment service.

[0021] Returning to the explanation of FIG. 2, the acquisition unit 22 acquires information transmitted by an electronic payment application program installed in the terminal device 10. The payment management unit 24 manages the information acquired by the acquisition unit 22. For example, the payment management unit 24 manages the acquired information as payment service information 32. The payment processing unit 26 performs electronic payment processing in cooperation with the electronic payment application program, a store terminal (not shown) that can use the payment service provided by the payment server, and the like. The payment server 20 manages, for example, accounts of stores that are the subject of transactions and service providers that provide services to users, and realizes various payments by transferring electronic money between accounts in response to payment requests from users and stores.

[0022] For example, when a user presents a screen displaying code information (e.g., a barcode or QR code (registered trademark)) generated by an electronic payment application program to a store clerk and the store terminal reads the code information with a scanner or the like, the amount set in the store terminal, store identification information, and user identification information are transmitted to the payment server 20. For example, the user's identification information is encoded in the code information, and the store terminal decodes the code information to obtain the user's identification information, and further transmits to the payment server 20 the store's identification information and the amount to be settled that are stored in advance. The payment server 20 performs payment by subtracting the amount transmitted from the store terminal from the user's charged balance and associating a predetermined amount of the subtracted amount with the store's identification information.

[0023] For example, when a user reads code information designated by a store with the terminal device 10, operates the terminal device 10 to input the amount to be paid, and performs an operation to make a payment, the payment server 20 obtains information corresponding to the above operation, the store's identification information, and the user's identification information from the terminal device 10. The payment server 20 then performs the payment by subtracting the transmitted amount from the user's charged balance and associating a predetermined amount of the subtracted amount with the store's identification information.

[0024] The user inputs predetermined information (user registration information) into the terminal device 10, provides the input information to the payment server 20, and the payment server 20 registers the provided information, thereby enabling the user to use the payment service.

[0025] [Information processing device] 5 is a diagram showing an example of a functional configuration of the information processing device 60. The information processing device 60 includes, for example, an acquisition unit 62, an information management unit 64, a provision unit 66, a consideration management unit 68, and a storage unit 70. The acquisition unit 62, the information management unit 64, the provision unit 66, and the consideration management unit 68 are realized by, for example, a hardware processor such as a CPU (Central Processing Unit) 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 having a non-transient storage medium) such as a hard disk drive (HDD) or a flash memory, or may be stored in a removable storage medium (a non-transient storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device by mounting the storage medium in a drive device. It is not necessary for all of the above components to be realized by one processor, and distributed processing by multiple processors may be performed as appropriate. In addition, some or all of the functional configuration of the information processing device 60 may be included in the payment server 20.

[0026] The acquisition unit 62 acquires information provided by the payment server 20 and the service server 40. The information management unit 64 stores the information acquired by the acquisition unit 62 in the storage unit 70. The information management unit 64 includes, for example, a generation unit 65. The generation unit 65 generates credit information 86 based on the information acquired by the information processing device 60 or the information held by the information processing device 60. Details of this process will be described later.

[0027] The storage unit 70 stores, for example, payment service information 72, payment service user information 78, first service user information 80, second service user information 82, integration information 84, credit information 86, etc. The payment service user information 78, the first service user information 80, or the second service user information 82 may be referred to as user information.

[0028] The payment service information 72 includes payment information 74 and deposit information 76. The payment service information 72, payment information 74, and deposit information 76 are information obtained from the payment server 20, and are equivalent to the payment service information 32, payment information 34, and deposit information 36, respectively.

[0029] The payment service user information 78 is information about the user (user registration information such as name and address) provided by the user to the payment server 20. The first service user information 80 is information about the user (e.g., user registration information) provided by the user to the service server 40-1, and the second service user information 82 is information about the user (e.g., user registration information) provided by the user to the service server 40-2. The integrated information 84 is information that integrates the payment service user information 78, the first service user information 80, and the second service user information 82. The credit information 86 is information indicating the creditworthiness of the user, or information indicating the evaluation of the user.

[0030] The providing unit 66 provides predetermined information of the integrated information 84 to the service server 40 that is the request source in response to a request from the service server 40 or another service server 40 not shown. When the providing unit 66 provides the service server 40 with item information of user registration information that the service server 40 does not have, the remuneration management unit 68 performs processing for acquiring remuneration from the service server 40. The processing for acquiring remuneration is processing for electronically exchanging remuneration. Furthermore, when the remuneration management unit 68 provides credit information to the service server 40 that is the request source in response to a request from the service server 40 or another service server 40 not shown, the remuneration management unit 68 performs processing for acquiring remuneration from the service server 40.

[0031] [Processing for users to receive payment services (1)] When a user uses a payment service, the user information (item information of user registration information) is provided in advance to the payment server 20. For example, the user inputs various pieces of information into an interface screen IM1 provided by an electronic payment application program linked to the payment server 20 or the payment server 20 and displayed on the display unit of the terminal device 10.

[0032] Fig. 6 is a diagram showing an example of an interface screen IM1. The interface screen IM1 includes input fields for inputting, for example, a telephone number, an email address, a name, a nationality, a date of birth, a gender, an address, and the like. The information entered in the input fields is transmitted by the terminal device 10 (application program) to the information processing device 60, as shown in Fig. 7. The information processing device 60 stores the transmitted information in the storage unit 70 as payment service user information 78. In this way, when the user registers user information defined in the service, the user can use the payment service.

[0033] [Processing for users to receive payment services (2)] When a user uses a specific service in a payment service, the specific service can be used by registering user information that is more detailed than the above-mentioned user information. The specific service is, for example, a postpaid payment service. A postpaid payment service is a service in which the administrator bears the amount used by the user and payment is possible even if the charge balance is insufficient. The user is required to return the amount borne by the administrator within a specified period, such as the following month.

[0034] FIG. 8 is a diagram showing an example of an interface screen IM2. The interface screen IM2 includes, for example, an input field for inputting other information in addition to the information inputted in the interface screen IM1. The other information is, for example, information on whether the user has a spouse, the number of children, annual income, whether the residence is owned or rented, the place of employment, the telephone number of the place of employment, etc. The information inputted in the input field is transmitted to the information processing device 60 by the terminal device 10 (application program) as shown in FIG. 9. The information processing device 60 stores the transmitted information in the storage unit 70. In this way, when the user registers user information defined in a specific service, the user can use the specific service.

[0035] In addition, in the interface screen IM2 in Fig. 8, the information input in the interface screen IM1 in Fig. 6 may be preset and may be in a state of having already been input, or the input may be omitted. In this case, the terminal device 10 may omit transmitting the preset information to the information processing device 60.

[0036] As described above, the information processing device 60 can acquire information input to the input interface screen IM1 and the interface screen IM2. Fig. 10 is a diagram showing an example of information input to the input interface screen IM1 and the interface screen IM2.

[0037] The information processing device 60 acquires information requested from users by other service servers 40, just as it acquires user information from the payment server 20, and integrates the acquired information to generate integrated information 84. The integrated information 84 is information that comprehensively summarizes user information for each user based on information acquired from the payment server 20 and the service server 40. The information processing device 60 generates integrated information 84 by organizing and aggregating user information acquired from service providers (e.g., a provider of a first service and a provider of a second service) included in the acquired multiple services, by item information of the user information.

[0038] 11 is a diagram for explaining the integrated information 84. As shown in FIG. 11, item information "Yamada XX" which is specific information of information 1 (for example, name) of a user with a user ID of "001", and item information of information 2 (for example, address) "1-1 XX, Shinjuku-ku, Tokyo" are provided by a service server 40-1 providing a service 1, item information of user information 3 (for example, telephone number) "090-XXXX-XXXX") and item information of information 4 (for example, email address) "△△△△@XXX.com" are provided by a service server 40-2 providing a service 2, item information of user information 5 (for example, date of birth) "XX year XX month XX day" is provided by a service server 40-3 providing a service 3, and item information of user information 6 (for example, place of employment) "XX Co., Ltd." is provided by a service server 40-N providing a service N, and these pieces of information are stored as the integrated information 84. The information processing device 60 associates the user information acquired from each service server 40 with the user, and further organizes the information by item to generate integrated information 84.

[0039] For example, when the information processing device 60 acquires user information from a provider of a specified service included in multiple services, if the integrated information 84 does not correspond to item information of the same type as the item information provided by the provider of the specified service, the information processing device 60 generates integrated information 84 by associating the item information of the user's registration information provided by the provider of the specified service with the integrated information 84.

[0040] For example, when the information processing device 60 acquires user information from a provider of a predetermined service included in a plurality of services, if the item information provided by the provider of the predetermined service in the integrated information 84 is associated with item information of user information provided by a provider of another predetermined service of the same type, the information processing device 60 may perform the following process. For example, in addition to the item information provided by the provider of the other service in the integrated information 84, the information processing device 60 may further associate the item information provided by the provider of the predetermined service with the integrated information 84. For example, in this case, the integrated information 84 is associated with a plurality of item information of the same type. In addition, the information processing device 60 may update the item information of the integrated information 84 to item information provided by the provider of the other service. For example, when the other service confirms to the user that the item information is the latest, the information processing device 60 updates the item information based on the confirmation result.

[0041] When the integrated information 84 is generated, the following process may be performed, for example. When the information processing device 60 determines that the information is user information based on the contents of the information acquired from the providers of multiple services, the type of the information, the format of the information, or a part or all of the labels associated with the information, the information processing device 60 aggregates the information as user information. When the information processing device 60 recognizes the contents of the information and determines that the information is information such as the name, address, or email address of a target user to be managed by the integrated information 84, the information processing device 60 associates the information as user information with a target item of the integrated information 84. In addition, when the information processing device 60 determines that the format of the information is a predetermined format, for example, the information processing device 60 associates the information as user information with a target item of the integrated information 84. For example, when there is an "@" after an alphabet, a number, or a combination of these, and a character string that is estimated to be a domain such as "****.cоm" after the "@", the information processing device 60 determines that the information is a user's email address. The information processing device 60 may estimate the domain based on dictionary information held in advance, or when there is a predetermined character string (for example, ".cоm"), the information processing device 60 estimates that the information is an email address. In addition, the information processing device 60 may obtain information about the label indicating the type of item information (for example, a label indicating that it is name information or a label indicating that it is email address information) from the service provider, and generate integrated information 84 based on the obtained information.

[0042] For example, the form of information transmitted to the information processing device 60 may differ for each service server 40. In this case, the information processing device 60 can determine what item information the acquired information corresponds to by referring to the contents, type, format, label, etc. of the information as described above. For example, the service server 40-1 may transmit "email;XXX@XXX.com", and the service server 40-2 may transmit "mail address;XXX@XXX.com". Even if there is a difference in the notation of the item of the email address, the information processing device 60 can determine that these correspond to an email address by analyzing, for example, predetermined dictionary information, keywords, and the meaning of characters. In this way, even if the service server 40 provides information of different forms, the information processing device 60 can perform so-called name matching, taking into account the similarity of the specific information format, and the like, and compare the information to which item information it corresponds. Note that, even when the service server 40 receives information from the information processing device 60, the service server 40 may also determine the type of the received information by taking into account the similarity of the information format, as described above.

[0043] In this way, the information processing device 60 can acquire detailed user information by integrating and complementing the information acquired from the payment server 20 and the service server 40.

[0044] [Credit information] The generating unit 65 generates credit information 86 based on, for example, one or both of the integrated information 84 and information acquired by the electronic payment application program (information provided from the payment server to the information processing device 60). The credit information 86 may be information used for a specific service as described above, or may be used regardless of the service and used as information generally indicating the credit of the user. The information acquired by the electronic payment application program (information provided from the payment server to the information processing device 60) or the payment service information 72 is an example of "service-related information."

[0045] FIG. 12 is a diagram for explaining a process of generating credit information 86. In the example of FIG. 12, for example, an example of generating credit information 86 used when a user uses post-payment or a loan will be explained. The generating unit 65 derives credit based on information for generating a user's credit acquired from the integrated information 84 (for example, annual income, family structure, whether the house is rented or owned, loan balance, etc.) and information for generating a user's credit acquired from the payment service information 72 (payment service usage amount, usage pattern, payment status from a predetermined institution such as a company). The usage pattern is, for example, a pattern according to a combination of multiple elements for determining the usage pattern. The elements include the frequency of use, the number of times of use, the amount used per use, the amount used for a predetermined period, etc.

[0046] For example, the generation unit 65 may generate a credit rating by scoring each element included in the integrated information 84 and each element included in the payment service information 72 and statistically processing the scored scores. The credit rating may be a score, or may be a binary value such as "creditworthy" or "not creditworthy" or other graded evaluation such as "high, medium, low creditworthiness."

[0047] Also, for example, the generation unit 65 may generate a score based on some of the elements included in the integrated information 84 and some of the elements included in the payment service information 72, and statistically process the score generated by this method to generate a credit rating.

[0048] The generating unit 65 may compare the income information stored in advance with the usage amount for a predetermined period, and if the comparison result meets a criterion, set the credit rating lower than if the criterion is not met. For example, the generating unit 65 may generate the credit rating based on the ratio of the usage amount to the income (monthly income). For example, if the ratio of the usage amount is equal to or greater than a threshold, the credit rating may be generated with a tendency to be low, and if the ratio of the usage amount is less than the threshold, the credit rating may be generated with a tendency to be high. Also, if the ratio of the usage amount is equal to or greater than a threshold, the higher the ratio, the lower the credit rating may be generated.

[0049] Furthermore, the generating unit 65 may generate the credit score taking into consideration the type of store where the payment was made and the type of product (service) for which the payment was made. For example, when a payment at a predetermined type of store or a payment for a predetermined type of product (or service) satisfies a criterion, the generating unit 65 may set the credit score lower than when the criterion is not satisfied. For example, when a first type of store or a first type of product is frequently paid for, the generating unit 65 may generate credit information with a tendency for the credit score to be low. For example, the first type of store is a store that is not essential in daily life (for example, a store that provides luxury goods or products or services used for hobbies), and the first type of product is a product that is not essential in daily life (for example, a luxury goods or products used for hobbies).

[0050] For example, the generation unit 65 may generate credit information with a tendency that the credit rating is high when the frequency of payments for the second type of store or the second type of product is high. The second type of store is, for example, a store that provides products or services useful for self-improvement or work (e.g., a bookstore or a qualification school, etc.), and the second type of product is a product useful for self-improvement or work (e.g., a book or a teaching material for qualification acquisition). The generation unit 65 may also generate credit information with a tendency to increase the credit rating of a user who owns a home and increase the credit rating of a user who has a family.

[0051] Furthermore, the generating unit 65 may generate reference information for generating a credit score based on the integrated information 84 of the user before the service is provided, the payment service information 72, and the user's behavior after the service is provided. For example, when the service is a loan service, the generating unit 65 may derive a pattern of characteristics or elements of a user who is repaying the loan without delay from the integrated information 84 or the payment service information 72, and generate the reference information based on the derived result.

[0052] For example, if it is confirmed from past performance that a user's annual income ranges from XXX million to XXX million and that the family structure is a predetermined pattern has a tendency to make loan repayments without delay, the generation unit 65 generates, based on this information, reference information that tends to derive a high creditworthiness for a user with an annual income of XXX million to XXX million and that has a predetermined family structure. Also, for example, if the usage amount relative to monthly income is XXX percent to XX percent and the usage pattern is a predetermined pattern, if it is confirmed from past performance that a user's loan repayments tend to be made without delay, the generation unit 65 generates, based on this information, reference information that tends to derive a high creditworthiness for a user with an annual income of XXX percent to XX percent and that has a predetermined usage pattern.

[0053] The generating unit 65 sets the credit rating higher when a deposit is made periodically from a specified institution (when a charge is made) than when no deposit is made. For example, when a deposit is made periodically from a specified company, it is assumed that the income is stable or that there is a regular side income, so the credit rating may be generated higher.

[0054] 13 is a diagram showing an example of the contents of the reference information 88. The reference information 88 is information in which some or all of the elements of the integrated information 84 or the payment service information 72 are associated with creditworthiness. Specifically, the reference information 88 is information in which the range of annual income, the range of usage amount for a specified period, the deposit status, etc. are associated with creditworthiness. For example, the generation unit 65 searches the reference information 88 and generates information indicating that the creditworthiness of a user in the range A of annual income, the range a of usage amount, and the range 1 of deposit status is creditworthiness A.

[0055] The generating unit 65 may generate the credit score by taking into account income and expenditure information acquired from a household account book application program or a service server 40 that provides a household account book service. The income and expenditure information may include various information such as monthly repayment amount of loan and rent. For example, a more reliable credit score is generated by taking into account information such as the above-mentioned payment service information 72 to the income and expenditure information. The generating unit 56 may also acquire information from an application program that manages information on the user's assets and loan balance, such as an application program provided by a bank, and generate a more reliable credit score based on the acquired information.

[0056] The generating unit 65 may generate information indicating the creditworthiness by using location information (one example of an element) obtained from an electronic payment application program. The location information may be the location where the electronic payment service was used, or may be location information of a user (terminal device) that is not related to the use of the electronic payment service. For example, when the generating unit 65 obtains knowledge that the creditworthiness of a user having a history of predetermined location information tends to be low, the generating unit 65 may generate a low creditworthiness of a user having a history similar to the history of the location information. In addition, when the generating unit 65 obtains knowledge that the creditworthiness of a user who visits a predetermined place tends to be high based on the location information, the generating unit 65 may generate a high creditworthiness of a user who visits the place or visits the place with a predetermined frequency.

[0057] The generation unit 65 may generate the creditworthiness using a trained model. The trained model is a model such as a neural network that outputs information indicating the creditworthiness when some or all of the elements of the above-mentioned integrated information 84 or payment service information 72 are input. The trained model is a model that has been trained to output information indicating the creditworthiness, which is correct answer data previously obtained as a track record, when some or all of the elements of the integrated information 84 or payment service information 72 are input.

[0058] [Sequence] 14 is a sequence diagram showing an example of the flow of processing executed by the information processing system 1. First, the terminal device 10 accesses a service server (payment server 20 or service server 40) and requests the provision of a service (S100). Next, the electronic payment application program of the terminal device 100 transmits information indicating that the electronic payment application program has accessed the service server and requested the provision of a service to the information processing device 60 (S102).

[0059] Next, the information management unit 64 of the information processing device 60 judges whether or not it is necessary to provide credit information to the accessed service server 40 (S104). For example, the storage unit 70 of the information processing device 60 stores identification information of the service server 40 for which it is necessary to provide credit information 86, and the information management unit 64 judges whether or not it is necessary to provide credit information by referring to this information. The service server 40 for which it is necessary to provide credit information 86 is a service server 40 managed by a service provider that judges whether or not to provide a service by referring to the credit information 86 when providing the service to a user.

[0060] Next, the information management unit 64 extracts information that is lacking in the service server 40 from the integrated information 84 (S106). The lacking information is information that is necessary for the service server 40 to provide a service to the user, but is not held by the service server 40.

[0061] Next, the providing unit 66 of the information processing device 60 provides the credit information 86 and the missing information to the service server 40 (S108). Next, the service server 40 determines whether to provide a service to the user based on the credit information 86, the information acquired from the user, or the information acquired from the information processing device 60 (S110). Next, the service server transmits the result of the determination in S110 to the terminal device 10 (S112).

[0062] In S110 above, the service server 40 acquires user information from the information processing device 60. If the acquired information contains all the information necessary to provide the service and satisfies the conditions for providing the service, the service server 40 provides the service to the user.

[0063] In S110 above, the service server 40 acquires user information from the information processing device 60. If the acquired information contains all the information necessary to provide the service, but does not satisfy the conditions for providing the service, the service server 40 provides the user with information indicating that the service cannot be provided to the user.

[0064] As described above, the service server 40 can determine whether to provide a service to a user by using the information provided to the information processing device 60, and therefore can smoothly provide the service. In addition, the effort required of the user to provide information to the service server 40 is reduced, improving user convenience.

[0065] In the above example, the service server 40 may request the information processing device 60 to provide user information that is not held by the service server 40 and is necessary for providing the service. For example, when the service server 40 holds the user's name and address but does not hold information on annual income or family structure, and this information is used for screening when providing the service, the service server 40 may request the information processing device 60 to provide this information. In this case, the information processing device 60 extracts the item information that the service server 40 does not hold from the integrated information 84 that aggregates the user information in response to the request, and provides the extracted item information to the service server 40. This can reduce the processing load on the information processing device 60 while improving the convenience for the user.

[0066] Furthermore, the information processing device 60 may provide the service server 40 with reference information (an example of "information indicating the characteristics of the user" or "information for estimating creditworthiness") instead of (in addition to) the credit information or in addition to the information requested by the service server 40. The reference information is information that is provided together with the credit information or the requested information to help the service server 40 infer what kind of person the user is. For example, when the service server 40 requests information on annual income to make a decision regarding the provision of a service, the information processing device 60 may provide the service server 40 with the credit information or reference information together with the annual income information. The reference information is, for example, the amount of use of the payment service (average monthly use amount). For example, the service server 40 may determine the user's ability to pay and credit based on the user's annual income (e.g., 8 million yen) and the reference information (average monthly use amount of 200,000 yen or monthly use amount) from the information processing device 60, and determine whether or not to provide the service. The reference information may also include information such as the name and type of store where the user made the payment, and the product paid for. For example, even if the discount on the usage amount is high relative to the annual income, the service server 40 can determine to provide the service if the store name, store type, the product paid for, and other information meets a predetermined condition. The predetermined condition is a condition that is inferred to be a reliable shopper, such as a payment being made to purchase products essential to life, or a condition that indicates a payment characteristic generated from information obtained from multiple users (a condition that indicates a characteristic that is deemed acceptable for providing the service).

[0067] Furthermore, in response to a request from the service server 40, the information processing device 60 may provide the service server 40 with alternative information (an example of "information indicating user characteristics" or "information for estimating creditworthiness") in addition to (or instead of) the requested information. That is, in response to a request from the service server 40 for information indicating a specific user's characteristics, the information processing device 60 provides the service server 40 with information indicating a user's characteristics different from the information indicating the specific user's characteristics related to the request in addition to (or instead of) the information indicating the specific user's characteristics related to the request. For example, when information on annual income is requested, the information processing device 60 may provide the service server 40 with information on the average monthly usage amount (e.g., 20,000 yen) or monthly usage amount as alternative information instead of (or in addition to) the annual income. For example, the service server 40 can determine the use of the service based on the average monthly usage amount.

[0068] For example, the information processing device 60 refers to a correspondence table to determine information to be provided to the service server 40. The correspondence table is, for example, information in which a request from the service server 40 is associated with information (alternative information) to be provided to the service server 40. For example, the correspondence table indicates that a first request from a specific service server 40 is to be provided with a first predetermined information, a second request from the specific service server 40 is to be provided with a second predetermined information, and a third request from another service server 40 is to be provided with a third predetermined information. This arrangement is determined, for example, for each service server 40. Specifically, for example, when a request for information on annual income is transmitted from a specific service server 40, information on monthly usage is provided, and when a request for information on the presence or absence of children is transmitted from another service server 40, information on payment history at a children's goods store is provided.

[0069] In this way, the information processing device 60 can provide the service server 40 with information that is useful to the service server 40. Furthermore, by the information processing device 60 providing information to the service server 40 in this way, the user can omit providing information to the service server 40 when using a service, etc., thereby reducing complexity.

[0070] In addition, when the service server 40 acquires information from the information processing device 60 and the acquired information does not provide all the information necessary to provide the service, the service server 40 may request the user to provide the missing information. In this case, the terminal device 10 accepts input of the missing information from the user and transmits the accepted information to the service server 40. The service server 40 registers the transmitted information, or uses the transmitted information to determine whether or not the conditions for providing the service are satisfied, and provides the transmitted information to the information processing device 60, which includes the provided information in the integrated information 84. For example, when the user's consent is obtained, the provided information may be included in the integrated information 84.

[0071] As described above, when the information processing device 60 has the missing information, the service server 40 can acquire the missing information from the information processing device 60.

[0072] For example, the information processing device 60 may extract, from the user information, item information that is not held by a provider of a predetermined service that the user is going to use, and provide the extracted item information to the provider of the predetermined service. For example, the information processing device 60 may acquire item information designated by the predetermined service and user identification information, and extract item information to be provided to the predetermined service from the integrated information 84 based on the acquired information.

[0073] The information processing device 60 may obtain item information (e.g., address, email address, etc.) included in the user information held by the predetermined service server 40, and compare the obtained item information with the integrated information to extract user information not held by the predetermined service server 40 from the integrated information, and provide the extracted information to the service server 40. For example, the information processing device 60 may determine whether or not the item information obtained from the other service servers 40 for a predetermined user matches the same type of item information included in the integrated information 84, and if they do not match, extract the item information that does not match and provide the extracted item information to the service server 40. For example, if the user's item information "address" does not match and other item information matches, the unmatched item information "address" is provided to the service server 40. This allows the service server 40 to confirm the correct address with the user and to confirm the authenticity of the information.

[0074] When the information processing device 60 provides item information to the service server 40, the information processing device 60 may obtain a result of the user's confirmation of the provided information, and based on the obtained result of confirmation, update the integrated information 84. For example, when a user who has confirmed the provided item information determines that the provided item information is old and provides the service server 40 with an instruction to update the provided item information and item information for the update, the information processing device 60 may obtain information to that effect and new item information from the service server 40, and update the integrated information 84 based on the obtained item information.

[0075] When the service server 40 obtains information obtained by another service server 40 from the information processing device 60 and uses the information, the service server 40 may inquire of the user or may preset the information on the interface screen.

[0076] 15 is a diagram showing an example of an interface screen IM3 displayed when information acquired by another service server 40 is acquired from the information processing device 60 and used. For example, the interface screen IM3 may include an operation button that permits the information input in another service to be used as is without being displayed on the interface screen IM3, or an operation button that instructs the information input in another service to be preset in an item on the interface screen IM3 in order to save the user the trouble of inputting information. When the operation button that instructs presetting is operated, the information provided by the information processing device 60 is preset in the corresponding item on the interface screen IM3.

[0077] When an operation button for permitting the use of information entered in another service is operated, for example, an interface screen IM4 in Fig. 16 is displayed on the display unit of the terminal device 10. Fig. 16 is a diagram showing an example of an interface screen IM4 for confirming information that the user has provided to another service server 40 in the past. The interface screen IM4 includes, for example, information such as a telephone number, email address, and address that the user has provided to another service server in the past.

[0078] For example, the user can check the information included in the interface screen IM4, compare the information provided in the past with the current information, make corrections if necessary, or operate the registration button to update the information if corrections are not necessary. The updated information is transmitted to the service server 40 and the information processing device 60, which then update the user's information. The service server 40 to which the updated information is transmitted also includes the service server 40 that previously obtained information before the update from the information processing device 60. Therefore, when it is found that information has been updated in processing between a specific service server 40 and the user, the service server 40 that holds the information before the update is also notified that the information has been updated and the updated content is provided.

[0079] 17 is a diagram showing an example of an interface screen IM5. For example, when the service server 40 cannot obtain necessary information from the information processing device 60, an interface screen IM5 for the user to input the necessary information is displayed on the display unit of the terminal device 10. For example, when the service server 40 needs information on the user's annual income or years of service in the previous year but cannot obtain this information from the information processing device 60, the service server 40 requests the user to provide the information. In this way, it is possible to request the user to provide only the missing information.

[0080] [Example (1)] 18 is a diagram (part 1) for explaining the process executed by the payment server and the terminal device 10. The payment server 20, in cooperation with the electronic payment application program installed in the user's terminal device 10, causes the display unit of the terminal device 10 to display multiple types of icons (mini-app icons) for starting application programs related to services other than the electronic payment service.

[0081] An interface screen IM6 is displayed on the display unit of the terminal device 10. A plurality of mini app launch icons are displayed on the interface screen IM6. A mini app is an application developed by a service provider corresponding to the mini app so that the mini app can be launched within a payment service. For example, the mini app is launched within an electronic payment application program and displays various screens using a web view function. When the mini app is launched, the terminal device 10 accesses a uniform resource locator (URL) of the service server 40 associated with the mini app, and displays content provided by the service server 40 on the display unit using the web view function. The mini app includes various mini apps such as a taxi dispatch app, a shopping app, a flea market app, a bank app, and a loan app.

[0082] When an icon is operated, the terminal device 10 is caused to access the service server 40 associated with the icon, and the content provided by the service server 40 is displayed on the display unit of the terminal device 10. In response to the operation of the icon, the service server 40 cooperates with the electronic payment application program to provide the service corresponding to the icon to the user's terminal device 10. A link to the content provided by the service server 40 that provides the service corresponding to the icon is set in the icon. The payment server 20 and the electronic payment application program cooperate to cause the terminal device 10 to display the content provided by the service server 40. "Cooperating" means, for example, that the payment server 20 provides the electronic payment application program with an access destination (link) of the content provider in advance.

[0083] For example, when a user performs a tap operation or the like on an already installed loan app, the loan app is launched, and an interface screen IM6A (content provided by the service server 40 corresponding to the loan app) provided by the loan app is displayed on the display unit. The interface screen IM6A is a screen for inputting user information to apply for a loan. For example, if the payment server 20 or the information processing device 60 does not hold user information, when the user inputs user information, the screen transitions to an interface screen IM6B. The interface screen IM6B is a screen for uploading a certificate issued by a public institution.

[0084] When the user uploads the certificate on the interface screen IM6B, the service server 40 acquires the uploaded certificate information. Furthermore, in the above-mentioned process, the service server 40 providing the loan service acquires credit information 86 from the information processing device 60. The service server 40 performs loan screening based on the certificate, the input user information, and the credit information 86. The service server 40 transmits the results of the loan screening to the terminal device 10. For example, the amount that the user can borrow as the result of the loan screening is displayed on the display unit of the terminal device 10.

[0085] [Specific example (part 2)] FIG. 19 is a diagram (part 2) for explaining the processing executed by the payment server and the terminal device 10. Differences from the explanation of FIG. 17 will be explained. For example, when the payment server 20 or the information processing device 60 holds user information and certificate information, the user information is preset in the interface screen IM7A. When the user confirms the preset information, transition to the interface screen IM7B (a screen corresponding to the interface screen IM6B in FIG. 15) is omitted, and transition to the interface screen IM7C occurs. Then, the service server 40 performs an examination based on the certificate information, user information, credit information 86, etc. held by it, and transmits the examination result to the user.

[0086] For example, a user who needs to upload a certificate may tend to abandon the procedure before it is completed due to the cumbersome uploading process, resulting in a dropout rate of a certain level or higher. In contrast, if uploading is omitted by providing certificate information from the information processing device 60 as described above, the cumbersomeness of the procedure is eliminated, and the dropout rate is expected to tend to decrease.

[0087] Furthermore, the service server 40 can obtain the credit information 86 from the information processing device 60 and determine whether or not to provide a service to the user by using the credit information 86. This allows the service server 40 to more appropriately determine whether or not to provide a service.

[0088] [Regarding compensation] The information processing device 60 may obtain a consideration from the service server 40. Fig. 20 is a diagram for explaining the consideration given and received between the information processing device 60 and the service server 40. For example, when a user requests the service server 40 to provide a first service and the service server 40 obtains user information or credit information 86 from the information processing device 60, the administrator of the service server 40 pays the consideration to the administrator of the information processing device 60.

[0089] When a user requests the service server 40 to provide a second service and the service server 40 acquires user information or credit information 86 from the information processing device 60, the administrator of the service server 40 pays a fee to the administrator of the information processing device 60. The second service is a service for which it is determined whether to provide the service to the user based on more detailed user information than the first service. The fee for the second service is set higher than the fee for the first service. For example, the first service is registration for using a payment service, and the second service is a service for setting up a loan or a service for borrowing money.

[0090] For example, when a change occurs in the user information, the user may access the information processing device 60 (or the service server 40) and update the user information. In this case, the information processing device 60 may provide the updated user information to the service server 40 that holds the user information. This allows the service server 40 to update the user information by obtaining the updated information from the information processing device 60, even if the service server 40 does not obtain the updated user information directly from the user.

[0091] For example, when the user's credit information 86 is updated, the information processing device 60 may transmit the updated credit information 86 to the service server 40. This enables the service server 40 to make a decision regarding the provision of a service using the more accurate credit information 86.

[0092] When the service server 40 contributes to the generation or update of the integrated information 84, the service server 40 may receive a discount on the payment of the above-mentioned consideration or may be given an incentive. For example, the service server 40 acquires user information from a user and provides the acquired user information to the information processing device 60. When the processing of the service server 40 contributes to the generation or update of the integrated information 84, such as when item information of the user information is not associated with the integrated information 84 and is newly associated with the integrated information 84, or when the information is already registered but is different from the already registered information and the currently acquired user information is updated by the currently acquired user information, a discount or an incentive is given according to the degree of contribution of the service server 40.

[0093] The "information indicating the user's characteristics" may be information indicating the user's personality in addition to the information indicating the user's creditworthiness. The information indicating the personality is, for example, information indicating the user's character, individuality, and attributes, such as a tendency to get sick easily, a tendency to get into accidents easily, and a family structure. The generating unit 65 generates information indicating the user's characteristics based on the above-mentioned concept, using some or all of the elements of the integrated information 84 or the payment service information 72 as described above. For example, if a user repeatedly purchases a large amount of cigarettes and alcohol through an electronic payment service and it is known that such a user has a high probability of getting sick, the generating unit 65 generates information indicating the user's characteristics, such as a high probability of getting sick, for a user who performs such an action. For example, the service server 40 that provides hospitalization insurance and the like may determine the insurance premium or suspend the provision of the service for the user's insurance subscription, by referring to the information indicating the user's characteristics.

[0094] As described above, according to the information processing device 60, code information in which the user's identification information is encoded is displayed on the display unit, or code information provided in the store is read, and service-related information about the user obtained through use of the electronic payment service executed by an electronic payment application program that executes the electronic payment service in cooperation with a payment server is obtained, and information indicating the user's characteristics is generated based on the obtained service-related information, thereby making it possible to obtain more useful information.

[0095] 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]

[0096] Reference Signs List 1. Information processing system, 10. Terminal device, 20. Payment server, 22. Acquisition unit, 24. Payment management unit, 26. Payment processing unit, 30. Memory unit, 32. Payment service information, 34. Payment information, 36. Deposit information, 40. Service server, 60. Information processing device, 62. Acquisition unit, 64. Information management unit, 65. Generation unit, 66. Provision unit, 68. Consideration management unit, 70. Memory unit, 72. Payment service information, 74. Payment information, 76. Deposit information, 78. Payment service user information, 80. First service user information, 82. Second service user information, 84. Integrated information, 86. Credit information

Claims

1. an acquisition unit that acquires a payment history of the electronic payment, which is payment information obtained as a result of a user using an electronic payment service; a generation unit that generates credit information indicating the creditworthiness of the user based on the payment history, which is the payment information; When an operation is performed on an interface screen of the electronic payment service displayed on a display unit of the user's terminal device to apply for a loan from a service provider other than the service provider of the electronic payment service, a providing unit that provides the credit information to a service server that provides the loan service to the user, in order to display the result of the loan examination using the credit information or the loan amount on a display unit of the user's terminal device; An information processing device comprising:

2. The payment history of the payment information is information based on the result of the electronic payment made using an electronic payment application program installed on the terminal device of the user. The information processing device according to claim 1 .

3. The payment history of the payment information is information obtained by displaying code information in which the user's identification information is encoded on a display unit or by reading code information provided in a store, and processing the electronic payment using an electronic payment application program installed on the user's terminal device. The information processing device according to claim 1 .

4. The operation for applying for the loan is an operation on a mini-app that provides the service of the application program installed on the terminal device. The information processing device according to claim 1 .

5. the application program for providing the service is a mini-app related to an electronic payment application program installed in the terminal device of the user; The information processing device according to claim 4.

6. The payment history of the payment information includes one or more of the following information: the amount used for the electronic payment service, a usage pattern, and a payment status; The information processing device according to claim 1 .

7. An information processing device according to any one of claims 1 to 6; a service server that performs loan screening or determines a loan amount based on the credit information; An information processing device comprising:

8. The system comprises an information processing device, a service server, and a service application program installed in a user's terminal device, The terminal device When the user performs an operation to apply for a loan from a service provider other than the service provider of the electronic payment service on an interface screen of the electronic payment service displayed on a display unit of the terminal device of the user, information regarding the operation is transmitted to the information processing device; The information processing device includes: transmit credit information indicating the creditworthiness of the user generated based on a payment history of the electronic payment, which is payment information obtained as a result of the user using the electronic payment of the electronic payment service, to the service server; the service server, in cooperation with the service application program, causes the result of the loan examination using the credit information or the loan amount to be displayed on a display unit of the terminal device of the user; Information processing system.

9. The computer Acquire a payment history of the electronic payment, which is payment information obtained as a result of the user using the electronic payment service; generating credit information indicating the creditworthiness of the user based on the payment history, which is the payment information; When an operation is performed on an interface screen of the electronic payment service displayed on a display unit of the user's terminal device to apply for a loan from a service provider other than the service provider of the electronic payment service, providing the credit information to a service server that provides the loan service to the user, in order to display the result of the loan examination using the credit information or the loan amount on a display unit of the user's terminal device; Information processing methods.

10. On the computer, Acquire a payment history of the electronic payment, which is payment information obtained as a result of the user using the electronic payment service; generating credit information indicating the creditworthiness of the user based on the payment history, which is the payment information; When an operation is performed on an interface screen of the electronic payment service displayed on a display unit of the user's terminal device to apply for a loan from a service provider other than the service provider of the electronic payment service, providing the credit information to a service server that provides the loan service to the user, so that the result of the loan examination using the credit information or the loan amount can be displayed on a display unit of the user's terminal device; program.

Images