Information processing system, and information processing method

Abstract

Reducing the load on the operator who operates the service. 【Solution means】An information processing apparatus including: an acquisition unit that acquires public information published on a network; and a processing unit that analyzes the public information to determine the possibility that code information of a franchise store used for electronic payment of an electronic payment service is included in the public information, and determines the suitability as the franchise store based on the result of the determination.

Description

Technical Field

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

Background Art

[0002] Conventionally, a determination device that acquires credit information regarding the credit of a store and determines whether the credit information satisfies a determination condition is known (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, there are cases where the load on the operator who operates the service cannot be reduced.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide an information processing apparatus, an information processing method, and a program capable of reducing the load on the operator.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing apparatus including an acquisition unit that acquires publicly available information on a network, and a processing unit that analyzes the publicly available information to determine the possibility that the publicly available information includes code information of a franchise store used in electronic settlement of an electronic settlement service, and determines the suitability as the franchise store based on the result of the determination.

Effects of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing apparatus, an information processing method, and a program that can reduce the load on an operator.

Brief Description of the Drawings

[0008]

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Modes for Carrying Out the Invention

[0009] Hereinafter, with reference to the drawings, embodiments of the information processing apparatus, information processing method, and program of the present invention will be described. Various apparatuses such as "servers" that appear below for providing services to users or performing internal analysis may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a subject different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly carried out between the user and the franchise. Instead of this, processing such as settlement may be carried out 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 centering around the settlement server 100. An electronic payment system for realizing 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 settlement server 100, a review server 200, and a reviewer terminal device 300. 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, and the like.

[0011] Some or all of the functional components included in the electronic payment system may be distributed among multiple devices in any form or integrated into any device. For example, some or all of the functional components of the payment server 100 or the review server 200 may be included in other devices.

[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, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, the payment application 20 is executed by a processor such as a CPU, and operates to provide an electronic payment service to the user in cooperation with the payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc. In the user terminal device 10, a mini application may operate. The mini application is an application program that operates within the payment application 20. The mini application is, for example, a mini application that provides various services.

[0013] [First store terminal device] The first store terminal device 50 is installed in a store, for example. 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) or a barcode printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone). The store code image is an example of "code information". The code information is not limited to QR codes or barcodes, and may be any information used in an electronic payment service. For example, the code information may be used in the electronic payment of an electronic payment service and may include information for identifying a store.

[0014] [Second Store Terminal Device] The second store terminal device 70 is used by the operator of a franchise store or the operator of a store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for franchise stores.

[0015] [Payment Server] The settlement server 100 realizes electronic settlement based on the settlement 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 a franchise server. In that case, the settlement information is transmitted from the POS device to the settlement server 100 via the franchise server. In the following description, without particularly distinguishing this, it is assumed that the settlement information is transmitted from the first store terminal device 50.

[0016] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic settlement. There may be two patterns, pattern 1 and pattern 2, in electronic settlement.

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

[0018] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a one-time code issuance request to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 shields (presents) the display surface of the user terminal device 10 against the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including the one-time code, the payment amount, the franchise ID, the store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

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

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

[0021] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, content information 174, and franchise / store information 176 is stored in the storage unit 170. Some 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, the function of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10 or the second store terminal device 70. The content providing unit 120 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-described 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 information necessary for generating the content to the payment application 20.

[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 content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a telephone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, charge balance, credit payment setting, credit payment limit, credit payment usage amount, available credit payment amount, payment method setting, bank account, credit card number, charge history information, payment history information, and other information that are associated. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a telephone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (or not set). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (or not set). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated is referred to as an account.

[0026] The remaining charge amount is information indicating the remaining amount of electronic money set by the user by remitting money to the account in advance. As means of remittance, there are remittances from the ATM (Automatic Teller Machine) of a designated business operator (bank), remittances from a registered bank account, etc. The credit payment setting is information indicating whether the setting for enabling electronic settlement by credit payment has been completed or not, and is set to either "completed" or "not completed". The credit payment limit is the limit amount of credit payment available per month, the credit payment used amount is the amount of credit payment already used in the current month, and the available credit payment amount is the amount of credit payment available in the current month obtained by subtracting the credit payment used amount from the credit payment limit. In the figure, only one credit payment limit is shown, but actually there are further daily upper limits, etc., and the lower of them may be set as the credit payment limit. Further details of credit payment will be described later. The settlement method setting is setting information indicating whether the user performs electronic settlement using the remaining charge amount or performs settlement by credit payment at that time. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can receive payments for the electronic payment service. The charge history information is the history of the user increasing the remaining charge amount by remitting money to the electronic payment service in advance. The settlement history information is information showing the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was taken, settlement amount, settlement method, etc.) for each settlement.

[0027] [Franchise / store information] FIG. 6 is a diagram showing an example of the content of the affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID, a store ID, and an affiliated store category are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern.

[0028] [Electronic settlement] When the settlement information is acquired from the user terminal device 10 or the first store terminal device 50, the settlement processing unit 130 refers to the user information 172 to acquire the "settlement method setting" of the user. For users whose "settlement method setting" is set to "charge balance", the settlement processing unit 130 performs electronic settlement as follows. The settlement processing unit 130 performs electronic settlement, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales amount of the affiliated store (or store). The item value of the sales amount of the affiliated store is not used as electronic money itself, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the affiliated store and the electronic settlement service.

[0029] The settlement processing unit 130 performs electronic settlement as follows for users whose "setting information" is set to "credit payment". Credit payment is a payment method through cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor and allows electronic settlement that does not depend on the remaining recharge amount within the credit payment limit. Note that in order to receive the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit payment is settled in one lump sum on the payment date of the following month, for example, by direct debit from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the credit payment usage amount and subtracting the same amount from the available credit payment amount, and at the closing date, performs processing to debit the settlement for the current month to the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. If the settlement amount exceeds the available credit payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0030] The information management unit 140 acquires information provided by other server devices and terminal devices. The information management unit 140 manages user information 172 and franchise / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and the franchise / store information 176. Furthermore, the information management unit 140 processes the information provided by other server devices and terminal devices, and provides the information stored in the storage unit 170 to the user terminal device 10.

[0031] [Functional Configuration of the Review Server] The review server 200 determines the suitability of a franchise store as a franchise store for electronic payment services. FIG. 7 is a configuration diagram of the review server 200. The review server 200 includes, for example, a communication unit 210, an information search unit 220, a processing unit 230, and a storage unit 270. Components other than the communication unit 210 and the storage unit 270 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as an LSI, an ASIC, an FPGA, a GPU, or an SOC, or may be realized by the cooperation of software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device. The information search unit 220 is an example of an "acquisition unit".

[0032] The storage unit 270 is an HDD, a flash memory, a RAM, or the like. The storage unit 270 may be a NAS device accessible by the review server 200 via a network. Information such as franchise store information 272, search information 274, and determination result information 276 is stored in the storage unit 270.

[0033] The information search unit 220 crawls public information published on the network and stores the public information in the storage unit 270 as search information 274. For example, when the crawled or provided public information is stored in the storage unit 270, the information search unit 220 may obtain the information stored in the storage unit 270 without crawling and provide the obtained information to the processing unit 230.

[0034] The processing unit 230 analyzes the search information 274. The processing unit 230 determines, for example, whether code information may be included in the search information 274 (or determines whether it is included). Details will be described later.

[0035] [Examiner's Terminal Device] The examiner's terminal device 300 is a terminal device used by an examiner. The examiner uses the examiner's terminal device 300 to determine the suitability of a franchise store as a franchise store for an electronic payment service. For example, the examiner uses the examiner's terminal device 300 to obtain the examination results of the examination server 200 and conducts an examination by referring to the obtained information.

[0036] [Overview] In this embodiment, the examination server 200 obtains publicly available information on the network. The examination server 200 analyzes the publicly available information to determine the possibility that the publicly available information contains code information of a franchise store used in the electronic payment of the electronic payment service, and determines the suitability as a franchise store based on the result of the determination. Specific methods of "analysis" will be described later in (Specific Example 1 of Code Information Determination Process) and (Specific Example 2 of Code Information Determination Process).

[0037] The franchise store subject to the above suitability determination is, for example, a franchise store (offline franchise store) that is recognized to use the electronic payment service at an offline (real store). This franchise store is, for example, a franchise store that is not recognized to use the electronic payment service online.

[0038] The above publicly available information is information publicly available on the network such as the web page of the franchise store, the web page related to the franchise store, and the social network service related to the franchise store. The public disclosure is not limited to being publicly available to all people, and may be publicly available to some people.

[0039] Here, in order to perform online electronic payment, after passing the examination for registration as an online franchise store from a legal and contractual perspective with the electronic payment service, it is necessary to obtain approval as an online franchise store and perform online electronic payment.

[0040] For example, the code information of an offline franchise store may be posted on the web page of the franchise store, or an image containing the code information may be posted. This posting may be intentional or unintentional. However, if the code information is publicly available on the network, there is a possibility that online electronic payment may be made using this code information. That is, the online electronic payment service may be used online without undergoing the review and contract procedures for online franchise stores.

[0041] In order to suppress or prevent such situations, as described above, the review server 200 automatically executes a process (code information determination process) for determining the possibility that the code information is publicly available via the network. This can reduce the burden on the operator in determining the possibility of public disclosure of the code information on the network.

[0042] [Flowchart (1) for Review of Franchise Stores] The review server 200 performs various reviews including the above-described code information determination process for offline franchise stores at regular intervals to determine the suitability of the franchise stores as providers of the electronic payment service. FIG. 8 is a flowchart showing an example of the processing flow executed by the review server 200. In this processing, as an example, the processing focusing on a certain franchise store will be described. The same processing is executed for other franchise stores.

[0043] First, the review server 200 determines whether a predetermined timing has arrived (S100). The predetermined timing is a timing such as one month, six months, or one year after this processing is executed for the franchise store. When the predetermined timing arrives, the processing unit 230 of the review server 200 executes a prohibited business determination process, a reputation determination process, and a code information determination process (S102, S104, S106). The order in which the determination processes are executed is not limited to this. Next, the review server 200 stores the results of the various determination processes in the storage unit 270 as determination result information 276 (S108). Thereby, the processing of one routine of this flowchart is completed.

[0044] In addition to each of the above determination processes, various processes may be included, for example, a process of checking whether there is an abnormality in the electronic payment process, a process of determining whether the amount of the electronic payment exceeds the upper limit value, and the like.

[0045] (Prohibited Business Determination Process) The review server 200 accesses the URL included in the franchisee information 272 and crawls the website of the URL. In addition to the above URL, or when there is no URL, the review server 200 crawls the website on the network NW searched using keywords. The keywords are one or more pieces of information among the store name, address, corporate name, telephone number, etc. included in the franchisee information 272, or combinations thereof.

[0046] The franchisee information 272 is, for example, information in which various information of the franchisee is associated with the identification information of the franchisee. The various information includes the store name (name) of the franchisee, corporate name, address, telephone number, email address, representative, URL (Uniform Resource Locator) of the homepage, and the like.

[0047] The review server 200 analyzes the crawled information to determine whether the franchisee is conducting a prohibited business. For example, if the crawled information contains words indicating a prohibited business or words similar to the words, the review server 200 determines that there is a possibility of conducting a prohibited business. In such a case where there is a possibility of conducting a prohibited business, in the next step, the reviewer refers to the information crawled by the reviewer, the information searched by the reviewer, etc., and the reviewer determines whether the franchisee is conducting a prohibited business.

[0048] (Reputation Business Determination Process) The review server 200 crawls the website on the network NW searched using keywords. The keywords are combinations of one or more pieces of information among the store name, corporate name, representative name, etc. included in the franchisee information 272 and one or more set words (words related to reputation).

[0049] The review server 200 analyzes the above-crawled information to determine whether the franchise store meets the criteria from the perspective of reputation. For example, if the crawled information contains words, sentences, or similar words or sentences that are presumed not to meet the criteria from the perspective of reputation, the review server 200 determines that there is a possibility that the reputation criteria are not met. If there is a possibility that the reputation criteria are not met in this way, in the next step, the reviewer refers to the information crawled by the reviewer, the information searched by the reviewer, etc., and the reviewer determines whether the franchise store meets the reputation criteria.

[0050] (Code Information Judgment Process) FIG. 9 is a flowchart showing an example of the flow of the code information judgment process executed by the review server 200. First, the review server 200 determines whether the URL of the homepage of the franchise store to be judged is registered (S200). For example, the review server 200 makes the above determination by referring to the franchise store information 272. If the URL is not registered, the process proceeds to the process of S210.

[0051] If the URL is registered, the review server 200 determines whether the URL of the homepage actually exists (S202). For example, the review server 200 accesses the URL of the homepage to confirm the existence of the URL of the homepage. If the URL does not exist, the process proceeds to the process of S210.

[0052] If the URL actually exists, the review server 200 crawls the inside of the homepage to acquire the information (public information) inside the homepage (S204). The review server 200 determines whether the crawled information contains code information (S206, S208). Then, the process proceeds to the process of S210.

[0053] If the code information is not included, or if the code information is included, the review server 200 stores the review result in the storage unit 270 as the determination result information 276 (S210). Thus, the processing of one routine of this flowchart ends.

[0054] In the above example, it was described that crawling is performed using the URL for which an application was made by the affiliated store (the URL included in the affiliated store information 272). In addition to (or instead of) this, the review server 200 may search for web pages related to the affiliated store on its own device, crawl the information of the searched web pages, and use the crawled information to make the determinations in S206 and S208 above. The web pages related to the affiliated store are, for example, the web pages searched on the search server using keywords related to the affiliated store. The keywords related to the affiliated store are, for example, combinations of one or more words among the store name, company name, address, telephone number, representative, etc. included in the affiliated store information 272, or other words related to the affiliated store.

[0055] As described above, the review server 200 can assist in determining whether the code information is being used in an inappropriate manner.

[0056] (Specific Example 1 of Code Information Determination Process) The review server 200 analyzes the source information to determine the presence or absence of code information in the public information. The review server 200 determines the presence or absence of code information based on whether the source information of the public information (for example, source code) contains preset feature information (for example, information indicating code information). When the source information of the affiliated store's web page contains feature information indicating code information, the review server 200 determines that there may be code information of the affiliated store included in the web page.

[0057] FIG. 10 is a diagram for explaining Specific Example 1 of the code information determination process. For example, the review server 200 refers to the source information S of the web page IM1 and determines whether the source information S contains feature information. The feature information is source information indicating code information such as a QR code, or tag information indicating an image such as a QR code. The review server 200 may determine that there may be code information included not only when information that matches the above feature information is found, but also when similar source information is found.

[0058] When the feature information indicates code information to be excluded that is preset, the review server 200 excludes the feature information from the target feature information. The code information to be excluded is, for example, code information different from the code information used in electronic payment. For example, it is code information for downloading an electronic payment app, code information for guiding to a web page with campaign details, and the like.

[0059] The review server 200 may determine whether the feature information indicates the preset target code information. The feature information indicating the target code information is, for example, information stored in the storage unit 270 and is the code information of a franchise store used in the electronic payment of the electronic payment service.

[0060] The review server 200 may determine whether the feature information is the target feature information based on the surrounding information such as before and after the feature information in the source information of the web page. For example, when preset setting information or information similar to the setting information is located around the feature information, the review server 200 may determine that the feature information is not the target feature information. For example, when information such as "Download the electronic payment app here" is defined around the feature information and it is presumed that the feature information included is not the feature information (code information) for the electronic payment of the franchise store but the feature information for downloading the electronic payment app, the target feature information is excluded from the target. In addition to the above, when information indicating that it is different from the target feature information such as "Details of the campaign are here" is included, the review server 200 determines the feature information as non-target feature information.

[0061] As described above, the review server 200 can easily determine whether the target code information is included in the web page by using the source information. Furthermore, the review server 200 can more accurately determine whether the target code information is included in the web page by the above processing.

[0062] (Specific Example 2 of Code Information Determination Process) The review server 200 analyzes the image to determine the presence or absence of code information in the public information. When the review server 200 analyzes the image included in the web page and determines that the image contains code information, it determines that the web page may contain code information.

[0063] FIG. 11 is a diagram for explaining Specific Example 2 of the code information determination process. For example, the review server 200 determines whether the image of the franchisee's web page IM2 contains the code information C. For example, the review server 200 performs the above process by executing an image recognition process. For example, the review server 200 uses a pre-prepared image analysis algorithm to determine whether the image of the web page IM2 contains code information that matches or is similar to the target code information, or whether there is a possibility that it contains such code information. The review server 200 performs the above determination based on, for example, the presence or absence of a region of a feature amount that matches the feature amount of the code information or a similar region.

[0064] When the code information included in the image is the code information of the pre-set exclusion target, the review server 200 excludes the code information from the target code information. The code information of the exclusion target is, for example, code information different from the code information used in the electronic payment of the electronic payment service. For example, it is code information for downloading an electronic payment application or code information for guiding to the web page of the campaign details.

[0065] The review server 200 may determine whether the feature information of the image is the feature information indicating the pre-set target code information. The feature information indicating the target code information is, for example, the information stored in the storage unit 270 and is the code information of the franchisee used in the electronic payment of the electronic payment service.

[0066] The examination server 200 may determine whether the code information included in the image is the target code information based on the information around the code information. For example, when preset setting information or information similar to the setting information is located around the feature information (code information), such as before and after, the examination server 200 may determine that the feature information is not the target feature information. For example, in an image, when setting information such as "Download the electronic payment app here" or "Details of the campaign are here" is included around the feature information, the examination server 200 determines that the feature information is non-target feature information. This process is executed by image recognition processing.

[0067] As described above, the examination server 200 can easily determine whether the target code information is included in the web page by using the image. Furthermore, the examination server 200 can more accurately determine whether the target code information is included in the web page by the above processing.

[0068] In the above (Specific Example 1 of Code Information Determination Process) or (Specific Example 2 of Code Information Determination Process), a learned model may be used to determine whether the code information (or feature information) is the target code information (or feature information).

[0069] (In Specific Example 1 of Code Information Determination Process), the following process is performed. The examination server 200 inputs the feature information in the source information and the information around the feature information into the learned model. The learned model outputs a determination result according to the input information. The determination result is information indicating whether the feature information is the target feature information. The learned model is learned to output a determination result (for example, the examination result of the examiner in FIG. 12 described later) associated with the input information when the input information is input. For example, assume that information such as "Download the electronic payment app here" is defined around the feature information. In this case, when the above feature information and the information around the feature information are input, the learned model is learned to output information indicating that the feature information is not the target feature information.

[0070] In addition, in the learned model, learning data that is a combination of feature information and information indicating whether the feature information is feature information used in the electronic payment of the electronic payment service may be learned. In this case, when the feature information is input, the learned model learns to output information indicating whether the feature information is feature information used in the electronic payment of the electronic payment service. The review server 200 inputs the feature information into the learned model and determines whether the feature information is the target feature information based on the information output by the learned model.

[0071] (Specific example 2 of the code information determination process) performs the following processing. The review server 200 inputs an image of the feature information and the information around the feature information into the learned model. The learned model outputs a determination result corresponding to the input image. The determination result is information indicating whether the feature information is the target feature information. When the input information is input, the learned model is learned to output the determination result associated with the input information. For example, assume that information such as "Download the electronic payment app here" is defined around the feature information. In this case, when the above feature information and the image around the feature information are input, the learned model learns to output information indicating that the feature information is not the target feature information.

[0072] In addition, in the learned model, learning data that is a combination of an image including feature information and information indicating whether the feature information is feature information used in the electronic payment of the electronic payment service may be learned. In this case, when the image including the feature information is input, the learned model learns to output information indicating whether the feature information is feature information used in the electronic payment of the electronic payment service. The review server 200 inputs an image including the feature information into the learned model and determines whether the feature information of the image is the target feature information based on the information output by the learned model.

[0073] As described above, the review server 200 can more easily determine whether the feature information is the target feature information by using the learned model.

[0074] [Flowchart (2) for the review of franchise stores] The reviewer uses the reviewer terminal device 300 to determine whether the code information is included in the public information by using the determination result information 276. FIG. 12 is a flowchart showing an example of the processing flow executed by the reviewer terminal device 300.

[0075] First, the reviewer terminal device 300 identifies the franchise stores shown to be publicly disclosing the code information online in the determination result information 276 according to the operation of the reviewer (S300). The reviewer terminal device 300 refers to the determination result information 276 or the franchise store information 272 corresponding to the franchise store according to the operation of the reviewer, and causes the display unit to display the homepage of the franchise store (S302).

[0076] In the above processing, when it is determined that the code information may be included in the web page, in order to confirm with the reviewer whether the code information is the code information used in the electronic payment at the franchise store, the review server 200 may cooperate with the reviewer terminal device 300 to display an interface screen including the code information on the display unit of the reviewer terminal device 300. Thereby, the convenience of the reviewer is further improved.

[0077] Next, the examiner terminal device 300 executes a reading process for reading the code information of the homepage (S304). This process may be performed, for example, by the examiner's smartphone. Next, the examiner terminal device 300 determines whether the code information is the target code information based on the result of the above reading process (S306). The target code information is, for example, the code information of a franchise store available for use in an electronic payment service, or the code information of the franchise store that is the subject of the determination. For example, when the examiner reads the code information using a smartphone or the like, the examiner makes the above determination based on the information displayed on the smartphone. In this case, the determination is made by the examiner inputting the determination result into the examiner terminal device 300. When the examiner terminal device 300 executes the reading process, the determination is made by automatically inputting the result of the reading process. The information in which the determination result by this examiner and the feature information are associated may be used as the learning data of the above-mentioned learned model.

[0078] If the code information is the target code information, the examiner terminal device 300 generates a request to exclude the code information from the public information or a mail requesting a pledge not to include the code information in the public information according to the examiner's operation, and sends the mail to the mail address in the franchise store information 272 (S308). Instead of sending the mail, a phone call may be made. Thereby, the process of one routine of this flowchart ends.

[0079] As described above, the examination server 200 can cooperate with the examiner terminal device 300 to confirm inappropriate use of the code information and further take measures to suppress inappropriate use.

[0080] In the above process, it has been described that the examiner performs the reading process using a smartphone or the like. Instead of (or in addition to) this, the examination server 200 may automatically execute the reading process. When the examination server 200 determines that the code information may be included in the web page, it may read the code information by itself and determine whether the code information is the code information used in the electronic payment at the franchise store stored in the storage unit 270. Thereby, the burden on the examiner is further reduced.

[0081] In the above process, for the franchise store to which the email was sent in S308 above, the processes shown in FIGS. 9 and 12 above may be performed periodically, or after several hours, several days, one week, etc. Thereby, the examination server 200 can determine whether the franchise store has taken measures in response to the email.

[0082] Also, in the above example, it has been described that the examiner performs the examination. However, the results of the examination by the examination server 200 described above may be directly adopted as the results of the examination of inappropriate use of the code information. For example, when the determination by the examination server 200 is affirmative, an email regarding deletion of the characteristic information may be automatically sent to the franchise store.

[0083] [Flowchart (3) related to the examination of the franchise store] When the code information is included in the public information, the examination server 200 may determine whether the code information matches the code information that can be used in the electronic payment of the electronic payment service stored in the storage unit.

[0084] FIG. 13 is a flowchart showing an example of the processing flow executed by the examiner terminal device 300. First, the examination server 200 determines whether it is a predetermined timing (S400). If it is the predetermined timing, the examination server 200 crawls a web page and acquires information on the web page (S402). For example, the examination server 200 may search for a web page using information (such as a store number, company name, representative name, etc.) included in the franchisee information 272 of each franchisee or information related thereto, or may crawl all or part of the web pages having a view count of a predetermined number or more. Alternatively, the crawling target may be determined based on a predetermined criterion. Further, the examination server 200 may preferentially crawl a web page on which code information is posted or an image that may include code information such as the exterior or interior of a store.

[0085] Next, the examination server 200 determines whether each of the crawled information includes feature information (code information) (S404). If none of them includes feature information, the process proceeds to the process of S408.

[0086] If any of the crawled information includes feature information, the examination server 200 determines whether the feature information (or the feature information that is the code information issued by the electronic payment service) of each franchisee stored in the storage unit 270 matches the feature information discovered in the above process (S406).

[0087] Next, the examination server 200 stores the result of the determination in S406 in the storage unit 270 as determination result information 276 in association with the identification information of the franchisee (S408). For example, it is stored in association that a web page including feature information has been found for the identification information of a predetermined franchisee, or the URL of the web page or the like. The examiner refers to the above determination result information 276, accesses the web page including the feature information, and confirms the feature information included in the web page. Thus, the processing of one routine of this flowchart ends.

[0088] As described above, the review server 200 can check whether the code information for the electronic settlement of franchise stores is publicly available on the network by using the information obtained by automatically crawling each web page.

[0089] According to the embodiment described above, the review server 200 analyzes the public information publicly available on the network, determines the possibility that the code information of the franchise store used in the electronic settlement of the electronic settlement service is included in the public information, and determines the suitability as a franchise store based on the result of the determination. By doing so, the load on the operator (for example, the reviewer) who operates the service can be reduced.

[0090] As described above, the embodiments for implementing the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0091] 10 User terminal device 20 Settlement application 100 Settlement server 120 Content providing unit 130 Settlement processing unit 140 Information management unit 150 Information processing unit 200 Review server 220 Information search unit 230 Processing unit 300 Reviewer terminal device

Claims

1. an acquisition unit that acquires public information, which is a web page of a member store that is publicly available on a network; an information processing device comprising: a processing unit that performs an analysis process to analyze an image included in a web page that is the public information, and determines whether or not a code image is included in the image, and when it is determined that the image includes the code image, displays an interface screen including the code image included in the image on a display unit of an examiner's terminal device to allow the examiner to confirm whether the code image is a code image of an affiliated store used for electronic payment of an electronic payment service; a terminal device of the examiner that transmits an email to the email address of the affiliated store in response to an operation of the examiner performed when the code image is a code image of the affiliated store; An information processing system comprising:

2. After an email is sent to the email address of the affiliated store, a predetermined period of time later, The acquisition unit acquires a web page of the affiliated store to which the email was sent, The processing unit performs an analysis process to analyze an image included in the web page, and determines whether or not the image includes a code image. The information processing system according to claim 1 .

3. When the processing unit determines in the analysis process that the code image is included in the image and that the code image included in the image is a code image to be excluded that has been set in advance, the processing unit determines that the code image to be excluded is not a code image of the affiliated store. The information processing system according to claim 1 .

4. In the analysis process, the processing unit determines whether or not the code image is included in the image, and if the code image is included in the image, determines whether or not the code image is a code image of the affiliated store based on peripheral information of the code image included in the image. The information processing system according to claim 1 .

5. In the analysis process, the processing unit determines whether or not the code image is included in the image, and if the code image is included in the image, determines whether or not the code image included in the image matches a code image that can be used for electronic payment of an electronic payment service stored in a memory unit. The information processing system according to claim 1 .

6. The first computer Acquire public information, which is the web page of the affiliated store that is published on the network; performing an analysis process for analyzing an image included in the web page which is the public information, and determining whether or not a code image is included in the image; if it is determined that the image includes the code image, displaying an interface screen including the code image included in the image on a display unit of an examiner's terminal device to allow the examiner to confirm whether the code image is a code image of an affiliated store used for electronic payment of the electronic payment service; The second computer sending an email to the email address of the affiliated store in response to an operation by the examiner performed when the code image is a code image of the affiliated store; Information processing methods.

Images