Processing system, processing method, and program

Abstract

To provide users with more useful information. [Solution] One aspect of the present invention is a processing system that executes electronic payments for electronic payment services in cooperation with a user's payment app, and includes an acquisition unit that acquires financial information related to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services, and a processing unit that displays on a display unit an interface screen including each of the acquired first financial information for the different types of financial services and second financial information of the user associated with the electronic payment service of the payment app stored in a memory unit.

Description

[Technical field]

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

[0002] A conventional portfolio design support system has been disclosed that collects and analyzes financial product information of a user at multiple financial institutions from the server computers of the multiple financial institutions, the system having a login screen presentation means that presents a login screen to the financial institution via application software and prompts the user to input specified login information, a financial product information collection means that collects financial product information of the user at the logged-in financial institution, and a portfolio design means that analyzes the collected financial product information and designs a portfolio for the user (see Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2016-095724 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the conventional technology, financial product information is collected as securities, and different types of financial information are not obtained. Therefore, users cannot obtain sufficiently useful information. For example, it is sometimes impossible to obtain financial information that integrates the user's assets and liabilities.

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

[0006] One aspect of the present invention is a processing system that executes electronic payments for an electronic payment service in cooperation with a user's payment app, and includes an acquisition unit that acquires financial information related to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services, and a processing unit that displays on a display unit an interface screen including each of the acquired first financial information for the different types of financial services and second financial information of the user associated with the electronic payment service of the payment app stored in a memory unit. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide a processing system, a processing method, and a program that can provide more useful information to a user. [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] FIG. 2 is a configuration diagram of a payment server 100. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of point information 173. [Figure 7] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 13 is a diagram showing an example of an interface screen provided to a user. [Figure 9] FIG. 11 is a diagram showing another example of an interface screen. [Figure 10] FIG. 13 is a diagram showing an example of individual attribute information 180. [Figure 11]FIG. 11 is a diagram showing another example of an interface screen provided to a user. [Figure 12] FIG. 13 is a diagram showing an example of personal proposal information 182. [Figure 13] 1 is an interface screen containing an analysis of spending. [Figure 14] 1 is a sequence diagram showing an example of the flow of processes executed by payment application 20, payment server 100, and service server 200. FIG. [Figure 15] FIG. 13 is a diagram showing an interface screen IM5. [Figure 16] FIG. 13 is a diagram showing an interface screen IM6. [Figure 17] FIG. 13 is a diagram showing an interface screen IM7. [Figure 18] 13 is a diagram showing an example of the contents of group service information 184. FIG. [Figure 19] FIG. 11 is a diagram showing another example of an interface screen. [Figure 20] 13 is a diagram showing an example of group attribute information 186. FIG. [Figure 21] 1 is an interface screen IM9 containing health information. [Figure 22] FIG. 13 is a diagram showing an example of group proposal information 188. [Figure 23] 1 is an interface screen IM10 containing proposal information and the status of the group's assets. [Figure 24] 1 is an interface screen containing an analysis of spending. [Diagram 25] 1 is a sequence diagram showing an example of the flow of processes executed by payment application 20, payment server 100, and service server 200. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of the processing system, the processing 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" that will be described below, may be realized by a group of distributed devices, and the business operators who operate each device may be different. Furthermore, the owner of the hardware of the device (the provider of the cloud server) and the business operator who 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 a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at 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 performed between the user and the store.

[0010] [Electronic payment service] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. The electronic payment system that realizes the electronic payment service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, and a plurality of service servers 200. These devices communicate with each other via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, a network of a payment system such as a credit card, and the like. The payment server 100 is an example of a "processing system." In FIG. 1, a first service server 200-1, a second service server 200-2, and a third service server 200-3 are shown as examples of service servers.

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

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

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

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

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

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

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

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

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

[0020] [Payment server functional configuration] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an information 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), a GPU (Graphics Processing Unit), or a SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0021] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, and affiliated store / shop information 176. The storage unit 170 further stores personal service information 178, personal attribute information 180, personal proposal information 182, group service information 184, group attribute information 186, group proposal information 188, and the like. A part of this information may be stored in the storage unit of the user terminal device 10.

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

[0023] The content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100. The above content may be generated by the payment application 20. In this case, the content providing unit 120 provides the payment application 20 with information required for generating the content.

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

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

[0026] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to 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 credit payment setting is information indicating whether or not the setting for enabling electronic payment by credit payment has been completed, and is set to either "completed" or "not completed." The credit payment limit is the credit payment limit that can be used each month, the credit payment usage amount is the amount of credit payment that has already been used in the current month, and the credit payment available amount is the amount of credit payment that can be used in the current month, which is calculated by subtracting the credit payment usage amount from the credit payment limit. Although only one credit 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 credit payment limit. Further details of credit 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 credit 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.).

[0027] The user information 172 includes point information, which is, for example, information in which points that can be used in electronic payment services are associated with a user ID.

[0028] [Affiliated store / store information] 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.

[0029] The information management unit 140 acquires information provided by other server devices, terminal devices, and the service server 200. 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.

[0030] [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.

[0031] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "credit card payment" as follows. Credit card payment is a payment method 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 credit card payment limit. In order to receive the credit card payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used in the credit card 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 credit card payment amount and subtracting the same amount from the available credit card 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 the processing. In addition, if the payment amount exceeds the available credit card payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0032] The information processing unit 150 executes various processes related to the information held by the payment server 100. For example, the information processing unit 150 processes information acquired from the service server 200 and provides useful information to the user.

[0033] [overview] The payment server 100 is a payment server that executes electronic payment of electronic payment services in cooperation with a user's payment application, and acquires financial information related to the user's services from each of a plurality of service servers that provide a plurality of different types of financial services. The payment server 100 displays on the display unit an interface screen (e.g., FIG. 8, FIG. 9, FIG. 11, FIG. 13, FIG. 19, FIG. 21, FIG. 23, FIG. 24, etc.) including each of the acquired first financial information of the different types of financial services and the user's second financial information associated with the electronic payment service of the payment application 20 stored in the storage unit 170. The financial information is various information related to finance, such as income, expenditure, assets, and liabilities.

[0034] The services are services provided via the payment application 20, services linked to the electronic payment service, or services provided within the electronic payment service. The services include insurance services, securities services, banking services, and credit card services. In addition to these services, the services include various financial services such as point and loan services. These services may be, for example, services provided using mini-apps that operate in conjunction with the payment application 20.

[0035] [Presentation of the results] The settlement server 100 aggregates the first financial information and the second financial information, and displays an interface screen including the aggregated result on the display unit. The settlement server 100 performs the above process, for example, by referring to the personal service information 178. FIG. 7 is a diagram showing an example of the personal service information 178. The personal service information 178 is information in which information acquired from a plurality of service servers 200 is associated with user identification information such as a user ID. The information acquired from a plurality of service servers 200 includes, for example, a credit card usage history (e.g., planned payment amount) acquired from a credit card service server, user information (deposits and loans) managed by a bank acquired from a bank service server, user information (securities account and stock information) managed by a securities company acquired from a securities service server, user information (receivable insurance amount and paid insurance amount) managed by an insurance company acquired from an insurance service server, user information (charge balance) managed by the settlement server 100, and time-series information thereof.

[0036] FIG. 8 is a diagram showing an example of an interface screen provided to a user. The interface screen IM1 includes information showing the user's financial information. This information is collected by the payment server 100 from the personal service information 178. For example, it is the result of collecting the user's assets and liabilities. In this way, the user can easily check the status of his / her assets.

[0037] [List screen display] The payment server 100 causes the display unit to display an interface screen IM2 listing information related to the user's finances. The payment server 100 refers to the personal service information 178 and causes the display unit to display a list screen of various pieces of financial information included in the personal service information 178. FIG. 9 is a diagram showing another example of an interface screen. The interface screen IM2 includes a list of credit card usage amounts, bank deposits, loan balances, securities assets, insurance assets, charge balances for electronic payment services, and points held. As described above, the user can easily recognize the assets and financial information held by the user.

[0038] [Presentation of health assessment results] The payment server 100 judges the financial soundness of the user based on the attributes of the user stored in the storage unit 170, the first financial information of each user of the service, and the payment history of electronic payments using the payment application 20, and causes the display unit to display an interface screen including the result of the judgment. Specifically, the payment server 100 judges the soundness based on the personal service information 178 and the personal attribute information 180.

[0039] FIG. 10 is a diagram showing an example of the personal attribute information 180. The personal attribute information 180 is, for example, information in which a plurality of attribute patterns are associated with characteristics for each attribute pattern. The characteristics include age, occupation, sex, income, expenditure, assets, family structure, expenditure pattern, etc. (some may be omitted). The payment server 100 specifies the attribute pattern of the user by identifying an attribute pattern that matches or is similar to the information indicating the user's characteristics stored in the storage unit 170. The information indicating the user's characteristics stored in the storage unit 170 is information obtained from the service server 200 or information input by the user. For example, a user who is 30 years old, a company employee, has an annual income of XXX million, expenditure △△, assets □□, is single, and has an expenditure pattern A is classified into attribute A. An expenditure pattern is a pattern classified according to the user's tendency to spend. For example, the spending patterns are classified into spending patterns that emphasize spending on living expenses such as rent and food, spending patterns that emphasize spending on hobbies, spending patterns that emphasize spending on family, spending patterns that emphasize spending on asset formation such as savings and investments, etc. The spending patterns may be determined by the payment server 100 based on information linked to the user and spending tendencies for each of the preset spending patterns, or may be determined based on information input by the user.

[0040] The payment server 100 judges the soundness of the user, for example, by referring to the user's attributes, the user's personal service information 178 (pattern of the contents of the personal service information 178), and information indicating soundness determined for each pattern of the combination of the above attributes and the personal service information 178 stored in the storage unit 170. Alternatively, the payment server 100 may judge the soundness of the user by referring to the user's attributes and information indicating soundness determined for each pattern of the above attributes stored in the storage unit 170. For example, the payment server 100 judges that a user with attributes close to the age of retirement from work has low assets and spends about the same as his / her salary as having low soundness. For example, the payment server 100 judges that a user with attributes of a company employee in his / her 20s has low assets and spends a lot compared to his / her income, but his / her salary tends to increase in accordance with his / her spending, and the increase in his / her salary exceeds the increase in his / her spending, as the spending is appropriate and the soundness is high. As described above, the user can easily recognize the soundness.

[0041] 11 is a diagram showing another example of an interface screen provided to a user. The interface screen IM2 includes, for example, information IF1 indicating health. Furthermore, the interface screen IM2 includes suggested information IF2.

[0042] [Presentation of proposed information] The payment server 100 identifies a target service to be provided to the user from among the target services provided by the plurality of services or the electronic payment service based on the attributes of the user stored in the storage unit 170, the first financial information of each user of the service, and the payment history of the electronic payment using the payment application 20 (or based on one or more of these pieces of information), and causes the display unit to display an interface screen including the identified target service. For example, the payment server 100 identifies a target service to be proposed to the user from among the target services provided by the plurality of services or the electronic payment service based on the payment history of the electronic payment of the electronic payment service using the payment application 20, and causes the display unit to display an interface screen including the identified target service. The target service is, for example, a service provided in the electronic payment service, or a service provided by operating the payment application 20.

[0043] For example, the payment server 100 uses the personal proposal information 182 to identify a target service that is a service proposed to the user, and displays an interface screen IM2 including proposal information including the identified target service on the display unit. More specifically, the payment server 100 identifies a target service that is a service proposed to the user based on the personal service information 178, the personal attribute information 180, and the personal proposal information 182.

[0044] FIG. 12 is a diagram showing an example of the personal proposal information 182. The personal proposal information 182 is information in which, for example, the attributes of the user, the status of the user's assets (e.g., patterns such as the amount of assets and the composition of assets), the payment history of electronic payment services, and one or more proposed services are associated with each other. The status of the assets may be determined by the payment server 100 based on the personal service information 178 and a preset classification pattern for each piece of financial information, or may be selected by the user. The payment server 100 classifies the user's payment history based on the payment history and the preset pattern. In this way, the user's payment history is classified into a predetermined pattern.

[0045] For example, for a user with attribute A, asset pattern XX, and payment history pattern XX, a proposal to purchase a voucher with a premium or a deposit is proposed. For example, for a user with attribute A, asset pattern XX, and payment history pattern △△, a proposal to increase the point return rate by applying for investment or credit card use and making credit payment is proposed. In addition to the above, specific investment products and actions for saving (for example, changing electricity companies) may be proposed. For example, for a user who has a high ratio of living expenses to income and few assets and who supports a family, a proposal to reduce living expenses such as purchasing a voucher with a premium is made. For example, for a user who has a low ratio of living expenses to income and relatively many assets and who supports a family, a proposal to efficiently manage excess assets such as investment is made. As described above, the payment server 100 can make appropriate proposals according to the user.

[0046] [Expense analysis results proposal] The payment server 100 provides the user with information indicating the analysis result of the expenditure based on the information obtained from each service and the payment history of the electronic payment service. FIG. 13 is an interface screen including the analysis result of the expenditure. The interface screen IM4 includes information IF3 indicating the analysis result. The payment server 100 calculates the amount of expenditure for each type of expenditure in the personal service information 178, for example, and provides the calculation result to the user. The personal service information 178 includes information such as the credit card usage history and the type of affiliated store used, the amount of bank withdrawal and the content of the withdrawal, and the type of affiliated store where the electronic payment of the electronic payment service was made. The information indicating the type of expenditure may be transmitted together with the payment information from the terminal device of the affiliated store, the server device through which the affiliated store passes, or the payment application 20. The payment server 100 refers to the above information, identifies the type of expenditure, and provides the amount of each type of expenditure to the user.

[0047] As described above, users can refer to information that summarizes expenses managed by different services by type. This allows users to easily recognize which types of expenses are high or can be reduced.

[0048] [Set Budget] The payment server 100 may set a budget for each type of expenditure, and notify the user when the budget is approaching or reached. For example, when the display IF4 for setting the budget on the interface screen IM4 is operated, the payment server 100 displays an interface screen for setting the budget for each type of expenditure on the display unit. For example, the budget can be set for any type of expenditure, such as food, travel, entertainment, etc.

[0049] The payment server 100 acquires information for updating the personal service information 178 from the service server 200, for example, at predetermined time intervals or each time the user makes an expenditure, and based on the acquired information, determines whether the expenditure has reached the budget and provides notification according to the result of the determination.

[0050] As described above, the payment server 100 acquires information on the user's expenditures from each service server 200 and manages the budget based on the acquired information, so that the user can easily manage the budget without accessing each service server 200. For example, the user can easily recognize chronological information on financial information such as expenditures, income, liabilities, and assets. Furthermore, the user can make more appropriate financial decisions by referring to the above information.

[0051] [Sequence diagram] FIG. 14 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the payment server 100, and the service server 200. First, the payment server 100 requests each service server 200 to provide information (S100, S102). Each service server 200 provides information in response to the request (S104, S106). The provided information is, for example, information reflected in the personal service information 178. The service server 200 may voluntarily provide information to the payment server 100. The payment server 100 may obtain information from the service server 200 in response to a request from the payment application 20. The timing of executing the above S100-S108 is not limited to this and may be any timing.

[0052] Next, when the user performs a predetermined operation on the payment application 20, the payment application 20 transmits information corresponding to the predetermined operation to the payment server 100 (S150). The predetermined operation is an operation of requesting the display of any one of the interface screens described above.

[0053] Next, the payment server 100 generates information according to the predetermined operation based on the information stored in the storage unit 170 (S152), and provides the generated information to the payment application 20 (S154). Next, the payment application 20 displays the generated information on the display unit (S156).

[0054] As described above, payment application 20, payment server 100, and service server 200 cooperate with each other to process information managed by service server 200 so as to provide the information to the user in a manner that is useful to the user. In this way, useful information is provided to the user.

[0055] [Add family members, etc.] The payment server 100 acquires financial information of a target person, who is a family member of the user, a person who shares the same household as the user, or a specified person, from each of a plurality of service servers. The payment server 100 displays an interface screen on the display unit including the first financial information of the user and the target person, and the second financial information of the user and the target person associated with the electronic payment service of the payment app stored in the storage unit 170 (see FIG. 19 described later).

[0056] The payment server 100 displays an interface screen IM5 for registering the subjects on the display unit. Fig. 15 is a diagram showing the interface screen IM5. The interface screen IM5 is an interface for registering various information on the subjects, such as the number of subjects and the status of support.

[0057] The payment server 100 further displays an interface screen IM6 on the display unit for registering the subject's income, savings, loan balance, monthly consumption amount, and other financial information. Fig. 16 is a diagram showing the interface screen IM6. The payment server 100 further displays an interface screen IM7 on the display unit for registering various insurance amounts for the subject. Fig. 17 is a diagram showing the interface screen IM7. In addition to the above, an interface screen for registering information necessary for generating group service information 184 described later is displayed on the display unit, and information is registered by the user.

[0058] As described above, the settlement server 100 generates the group service information 184 based on the registered information. FIG. 18 is a diagram showing an example of the contents of the group service information 184. The group service information 184 is information in which, for example, the registered information is associated with each of the identification information of the target person. The registered information includes, for example, credit card usage history (scheduled payment amount, etc.), user information (deposits and loans) managed by a bank, user information (securities account and stock information) managed by a securities company, user information (receivable insurance amount and paid insurance amount) managed by an insurance company, user information (charge balance) managed by the settlement server 100, and time-series information thereof.

[0059] In the above example, the user registers the information of the target person, but the payment server 100 and the service server 200 may cooperate with each other to automatically acquire the information of the target person by linking with the payment app 20 of the target person or another app. For example, when the target person operates the payment app 20 to input identification information such as the target person's user ID, account ID, and phone number, and the operation of allowing the sharing of information is performed via the payment app 20 of the target person, various information of the target person can be viewed in the payment app 20 of the user. In addition, the information of the target person may be shared by performing SNS authentication. For example, when the user inputs the target person's phone number, etc. into the payment app 20 and performs an operation of SNS authentication, an SNS including a link is sent to the terminal device of the target person linked to the phone number. When the target person operates this link and performs a predetermined operation, the financial information of the target person can be viewed using the payment app 20 of the user.

[0060] [List screen display] In response to a user's request, the payment server 100 refers to the group service information 184 and displays on the display unit a list screen of various financial information contained in the group service information 184. FIG. 19 is a diagram showing another example of an interface screen. The interface screen IM8 displays financial information that is an integration of the user's financial information and the target's financial information. The interface screen IM8 includes a list of credit card usage amounts, bank deposits, loan balances, securities-related assets, insurance-related assets, charge balances for electronic payment services, and points held. As described above, the user can easily recognize the assets and financial information held by the user and the target.

[0061] [Presentation of health assessment results] The payment server 100 judges the financial soundness of a group including the user and the target person based on the attributes of the user and the target person stored in the memory unit 170, and one or both of the first financial information of each user and target person of the service and the payment history of electronic payments made by the user and the target person using the payment app 20, and displays an interface screen including the results of the judgment on the display unit.

[0062] FIG. 20 is a diagram showing an example of group attribute information 186. Group attribute information 186 is information in which, for example, a plurality of attribute patterns are associated with characteristics for each attribute pattern. The characteristics include the occupation of the group's subjects (for example, the user and wife are company employees), gender (for example, the gender of the user, wife, and child), income, expenditure, assets, family structure, expenditure pattern, and the like. The family structure is, for example, a family of a man in his 30s, a wife, and one child, or a family of a man in his 50s, a wife, and one working child. The settlement server 100 specifies the attribute pattern of the group by identifying a pattern of attributes that matches or is similar to the information indicating the characteristics of the group stored in the storage unit 170. The information indicating the characteristics of the group stored in the storage unit 170 is information obtained from the service server 200, information input by the user, and the like. For example, a user in his 30s (company employee), a wife (company employee), a child in elementary school, an annual income of XXX million, expenditure △△, assets □□, and a user with expenditure pattern A is classified into attribute A. The expenditure pattern is the same as above.

[0063] The payment server 100 judges the health of the user by referring to, for example, the attributes of the user and the target person (the attributes of the group), the personal service information 178 of the user and the group service information 184 of the target person, and information indicating health determined for each combination pattern of the above attributes, the personal service information 178 (pattern of the content of the personal service information 178), and the group service information 184 (pattern of the content of the group service information 184) stored in the storage unit 170. Alternatively, the payment server 100 may judge the health of the user by referring to the attributes of the user and the target person (the attributes of the group) and information indicating health determined for each pattern of the above attributes stored in the storage unit 170. For example, the payment server 100 judges that a group of users with attributes close to the age of retirement from work has low assets and spends about the same as their salary, and thus has low health. For example, even if a group with an attribute of people in their twenties has few assets and spends a lot on family given its income, the payment server 100 determines that the expenditures are appropriate and that the group has high soundness. FIG. 21 shows an interface screen IM9 including soundness information. The interface screen IM9 includes information indicating high soundness. This information is generated by the payment server 100 based on the group attribute information 186 and the group service information 184 as described above. As described above, the user can easily recognize the soundness.

[0064] [Presentation of proposed information] The payment server 100 identifies a target service to be proposed to a group including the user and the target person from among the target services provided by the multiple services or electronic payment services based on one or both of (a) the attributes of the user and the target person stored in the storage unit 170 and (b) the first financial information of each user and the target person of the service and the payment history of electronic payment using the payment app 20 of the user and the target person, and displays an interface screen including the identified target service on the display unit. The payment server 100 may identify a target service to be provided to a group including the user and the target person from among the target services provided by the multiple services or electronic payment services based on the payment history of electronic payment of the electronic payment service using the payment app 20 of the user and the target person, and display an interface screen including the identified target service on the display unit.

[0065] For example, the payment server 100 uses the group proposal information 188 to identify a target service that is a service proposed to the user, and displays an interface screen IM9 including proposal information including the identified target service on the display unit. More specifically, the payment server 100 identifies a target service that is a service proposed to the user based on the group service information 184, the group attribute information 186, and the group proposal information 188.

[0066] FIG. 22 is a diagram showing an example of the group proposal information 188. The group proposal information 188 is information in which, for example, the attributes of the group, the asset status of the group (for example, patterns such as the amount of assets and the composition of assets), the payment history of electronic payment services of the users and the target persons included in the group, and one or more proposed services are associated with each other. The asset status may be determined by the payment server 100 based on the group service information 184 and a preset classification pattern for each piece of financial information, or may be selected by the user. The payment server 100 classifies the payment history of the users and the target persons based on the payment history and the preset pattern. As a result, the payment history of the group of users and the target persons is classified into a predetermined pattern.

[0067] For example, for a group with attribute A, asset pattern XX, and payment history pattern XX, a proposal to purchase a voucher with a premium or a deposit is proposed. For example, for a group with attribute A, asset pattern XX, and payment history pattern △△, a proposal to increase the point return rate by investing or joining a credit card and making credit card payments is proposed. For example, for a group with a high ratio of living expenses to income, low assets, and many dependents, a proposal to reduce living expenses, such as purchasing a voucher with a premium, is made. For example, for a group with a low ratio of living expenses to income, relatively high assets, and few dependents, a proposal to efficiently manage excess assets, such as investing, is made. As described above, the payment server 100 can make appropriate proposals according to the group.

[0068] [Expense analysis results proposal] 23 is an interface screen IM10 including the proposed information and the status of the group's assets. The interface screen IM10 includes time-series information on the total assets of the group, the proposed information, etc. In this way, the payment server 100 aggregates the financial information of each member of the group that is distributed across multiple services and provides it to the user, so that the user can easily recognize the financial information of the group.

[0069] [Expense analysis results proposal] The settlement server 100 provides the user with information indicating the analysis result of the expenditure analysis based on the information obtained from each service and the payment history of the electronic settlement service. FIG. 24 is an interface screen including the analysis result of the expenditure. The interface screen IM11 includes information indicating the analysis result. The settlement server 100, for example, calculates the expenditure amount for each type of expenditure in the group service information 184, and provides the calculation result to the user. The group service information 184 includes information such as the credit card usage history and the type of affiliated store used, the amount debited from the bank and the content of the debit, and the type of affiliated store where the electronic settlement of the electronic settlement service was performed. The settlement server 100 refers to the above information, identifies the type of expenditure, and provides the amount of each type of expenditure to the user.

[0070] As described above, users can refer to information that summarizes expenses managed in different services by type. This allows users to easily recognize which types of expenses are high for members of a group, or which types can be reduced.

[0071] [Set Budget] The payment server 100 may set a budget for each type of expenditure, and notify the user when the budget is approaching or reached. For example, when a button for setting a budget is operated on a specific interface screen, the payment server 100 displays an interface screen for setting a budget for each type of expenditure on the display unit. For example, a budget can be set for any type of expenditure, such as food, travel, entertainment, etc.

[0072] The payment server 100 obtains information for updating the group service information 184 from the service server 200, for example, at predetermined intervals or each time a user or target person makes an expenditure, and determines whether the expenditure has reached the budget based on the obtained information, and provides notification according to the result of the determination.

[0073] As described above, the payment server 100 acquires information on the expenditures of the user and the target person from each service server 200 and manages the budget based on the acquired information, so that the user can easily manage the budget without accessing each service server 200. For example, the user can easily recognize time-series information on financial information such as family expenditures, income, liabilities, and assets. Furthermore, the user can make more appropriate financial decisions by referring to the above information.

[0074] [Sequence diagram] Fig. 25 is a sequence diagram showing an example of the flow of processing executed by the payment application 20, the payment server 100, and the service server 200. First, when a user performs a predetermined operation on the payment application 20, the payment application 20 transmits information corresponding to the predetermined operation to the payment server 100 (S200). The predetermined operation is an operation of requesting the display of any of the interface screens described above. For example, it is assumed that a request is made to check the status of the group's assets.

[0075] Next, the payment server 100 requests the cooperating service server 200 to provide information on the group's target persons and the user, which is information corresponding to a predetermined operation (S202). The payment server 100 acquires information in response to the request (S204) and provides the acquired information to the payment server 100 (S206). Next, the payment server 100 generates information corresponding to the operation of S200 based on the provided information and information held by its own device, and provides the generated information to the payment application 20 (S210). Next, the payment application 20 displays the generated information on the display unit (S2212).

[0076] As described above, payment application 20, payment server 100, and service server 200 cooperate with each other to process information managed by service server 200 so as to provide the information to the user in a manner that is useful to the user. In this way, useful information is provided to the user.

[0077] Through each of the above processes, the user can refer to financial information of the user and the group including the target person by using the payment application 20. For example, the user can recognize the chronological status of financial information such as expenditures, income, liabilities, and assets, and can confirm the soundness of the financial information. Furthermore, the user can easily confirm which types of expenditures are most frequent.

[0078] According to the embodiment described above, the payment server 100 can provide more useful information to the user by displaying on the display unit an interface screen including each of the first financial information of different types of financial services and the user's second financial information associated with the electronic payment service of the payment app 20 stored in the memory unit.

[0079] 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]

[0080] 10 User terminal device 20. Payment App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department (Acquisition Department) 150 Information Processing Section (Processing Section)

Claims

1. A processing system for executing electronic payments of an electronic payment service in cooperation with a user's payment application, an acquisition unit that acquires financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers that provide the said services; a processing unit that causes an interface screen to be displayed on a display unit, the interface screen including each of the acquired first financial information of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; the processing unit identifies a target service to be proposed to the user from among target services provided by the plurality of services or the electronic payment service based on the attributes of the user stored in a storage unit, the first financial information of the user for each of the services, and a payment history of the electronic payment using the payment application, and causes a display unit to display an interface screen including the identified target service; The target service is a payment method used in the electronic payment service. Processing system.

2. A processing system for executing electronic payments of an electronic payment service in cooperation with a user's payment application, an acquisition unit that acquires financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers that provide the said services; a processing unit that causes an interface screen to be displayed on a display unit, the interface screen including each of the acquired first financial information of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; The acquisition unit is In response to an operation of the user on the payment app, the payment app of a target person who is a family member of the user or who shares the same household as the user is linked, and when the target person performs an operation on the payment app of the target person to consent to the provision of financial information, the financial information of the target person is obtained from each of the plurality of service servers; The processing unit causes a display unit to display an interface screen including first financial information of the user and the target person, and second financial information of the user and the target person associated with the electronic payment service of the payment application stored in a storage unit. Processing system.

3. A processing system for executing electronic payments of an electronic payment service using at least a charge balance in cooperation with a user's payment application, comprising: an acquisition unit that acquires financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers that provide the said services; a processing unit that displays, in response to an operation of the payment app by the user, an interface screen including each of the acquired first financial information of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment app stored in a storage unit, on a display unit of a terminal device on which the payment app is installed; the service is a service provided within the electronic payment service and provided via the payment app, The services include insurance services, securities services, banking services, and credit card services. Processing system.

4. the processing unit aggregates the first financial information and the second financial information, and causes the display unit to display an interface screen including the aggregated result. A processing system according to any one of claims 1 to 3.

5. the processing unit determines the financial soundness of the user based on the attributes of the user stored in the storage unit, the first financial information of the user for each of the services, and the payment history of the electronic payment using the payment app, and causes the display unit to display an interface screen including the result of the determination; A processing system according to any one of claims 1 to 3.

6. The acquisition unit is obtaining the financial information of a subject who is a family member of the user or who shares the same household finances as the user from each of the plurality of service servers; The processing unit causes a display unit to display an interface screen including first financial information of the user and the target person, and second financial information of the user and the target person associated with the electronic payment service of the payment application stored in a storage unit. A processing system according to any one of claims 1 to 3.

7. the processing unit determines the financial soundness of a group including the user and the target person based on the attributes of the user and the target person stored in the storage unit, the first financial information of the user and the target person for each of the services, and the payment history of the electronic payment using the payment app of the user and the target person, and causes an interface screen including the result of the determination to be displayed on the display unit; The processing system of claim 6 .

8. the processing unit, based on the attributes of the user and the target person stored in the storage unit, the first financial information of the user and the target person for each of the services, and the payment history of the electronic payment using the payment app of the user and the target person, identifies a target service to be proposed to a group including the user and the target person from among target services provided in the plurality of services or the electronic payment service, and displays an interface screen including the identified target service on the display unit; The processing system of claim 6 .

9. the processing unit, based on a payment history of electronic payments of the electronic payment service using the payment app of the user and the target person, identifies a target service to be proposed to a group including the user and the target person from among the plurality of services or target services provided by the electronic payment service, and displays an interface screen including the identified target service on a display unit; The processing system of claim 6 .

10. The computer A processing method for executing electronic payment of an electronic payment service in cooperation with a user's payment application, comprising: A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; identifying a target service to be proposed to the user from among target services provided by the plurality of services or the electronic payment service based on the attributes of the user stored in a storage unit, the first financial information of the user for each of the services, and the payment history of the electronic payment using the payment application, and displaying an interface screen including the identified target service on a display unit; The target service is a payment method used in the electronic payment service. Processing methods.

11. On the computer, A program for executing electronic payment of an electronic payment service in cooperation with a user's payment application, A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; identifying a target service to be proposed to the user from among target services provided by the plurality of services or the electronic payment service based on the attributes of the user stored in a storage unit, the first financial information of the user for each of the services, and the payment history of the electronic payment using the payment application, and displaying an interface screen including the identified target service on a display unit; The target service is a payment method used in the electronic payment service. program.

12. The computer A processing method for executing electronic payment of an electronic payment service in cooperation with a user's payment application, comprising: A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; a process of acquiring the financial information of a target person from each of the plurality of service servers when the payment app of the target person, who is a family member of the target person or a person who shares the same household as the target person, is linked in response to an operation of the payment app of the user by the target person, and the target person performs an operation in the payment app of the target person to consent to the provision of financial information; displaying, on a display unit, an interface screen including first financial information of the user and the target person, and second financial information of the user and the target person associated with the electronic payment service of the payment application stored in a storage unit; The processing method to be performed.

13. On the computer, A program for executing electronic payment of an electronic payment service in cooperation with a user's payment application, A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; displaying, on a display unit, an interface screen including the acquired first financial information of each of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment application stored in a storage unit; a process of acquiring the financial information of a target person from each of the plurality of service servers when the payment app of the target person, who is a family member of the target person or a person who shares the same household as the target person, is linked in response to an operation of the payment app of the user by the target person, and the target person performs an operation in the payment app of the target person to consent to the provision of financial information; displaying, on a display unit, an interface screen including first financial information of the user and the target person, and second financial information of the user and the target person associated with the electronic payment service of the payment application stored in a storage unit; A program that executes the following.

14. The computer A processing method for executing electronic payment of an electronic payment service using at least a charge balance in cooperation with a user's payment application, comprising: A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; and displaying, in response to an operation of the payment app by the user, an interface screen including each of the acquired first financial information of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment app stored in a storage unit, on a display unit of a terminal device on which the payment app is installed; the service is a service provided within the electronic payment service and provided via the payment app, The services include insurance services, securities services, banking services, and credit card services. Processing methods.

15. On the computer, A program for executing electronic payment of an electronic payment service using at least a charge balance in cooperation with a user's payment application, A process of acquiring financial information of a user related to a plurality of different types of financial services from each of a plurality of service servers providing the said services; and executing a process of displaying, in response to an operation of the payment app by the user, an interface screen including each of the acquired first financial information of the different types of financial services and the second financial information of the user associated with the electronic payment service of the payment app stored in a storage unit, on a display unit of a terminal device on which the payment app is installed; the service is a service provided within the electronic payment service and provided via the payment app, The services include insurance services, securities services, banking services, and credit card services. program.

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