Information processing device, information processing method, and program

Abstract

To improve convenience for member stores in creating coupons. [Solution] An information processing device comprising: an acquisition unit that acquires from the affiliated store terminal device the contents of items necessary for creating coupons that the affiliated store provides to users and that can be used for electronic payments at the affiliated store of an electronic payment service; and a processing unit that applies first feature information, which is the contents of the items, second feature information, which is information about the affiliated store, and third feature information based on the first feature information and the second feature information, to a model that outputs an indicator indicating the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, deriving the indicator for the affiliated store, and displaying the indicator on the display unit of the affiliated store terminal device.

Description

[Technical Field]

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

[0002] Conventionally, an information processing device that provides coupons to users has been disclosed (see, for example, Patent Document 1). This information processing device receives distribution timing such as date and time or day of the week, and distributes the coupon at the received distribution timing. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2024-052520 Summary of the Invention [Problem to be solved by the invention]

[0004] Conventional technology does not sufficiently consider the convenience of affiliated stores that create coupons.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide an information processing device, an information processing method, and a program that can improve the convenience of member stores in creating coupons. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device that includes an acquisition unit that acquires from an affiliated store terminal device the contents of items necessary for creating coupons that the affiliated store provides to users and that can be used for electronic payments at the affiliated store of an electronic payment service, and a processing unit that applies first feature information that is the contents of the items, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an indicator that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, thereby deriving the indicator for the affiliated store and displaying the indicator on a display unit of the affiliated store terminal device. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, an information processing method, and a program that can improve convenience for affiliated stores that create coupons. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 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. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 10 is a diagram showing an example of an interface screen IF1 for creating a coupon. [Figure 8] 10 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 9] FIG. 10 is a diagram for explaining derivation of an index showing effectiveness using model information 180. [Figure 10] FIG. 2 is a diagram illustrating first feature information, second feature information, and third feature information. [Figure 11] FIG. 10 is a diagram illustrating an example of the accuracy of a learning result. [Figure 12] FIG. 10 is a diagram showing an example of the contents of comment information 182. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an information processing device, an information processing method, and a program according to the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users or perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device's hardware (the cloud server provider) and the business that actually operates it may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) that exists in real space, but may also include a virtual store for e-commerce. A virtual store may also include a store provided by an entity different from the operator of the electronic payment service. In such a case, when paying for purchases at the virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] FIG. 1 shows 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. An 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, and the payment server 100. These devices communicate 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, etc.

[0011] Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. For example, some or all of the functional components 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 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 acceptance 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 app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on 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 (code information) 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 (or 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, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from 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 the 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 payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that 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 for 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 decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). The user terminal device 10 then 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 app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store or on the display unit of the first store terminal device 50, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0018] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or 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 in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends 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 store scanning, 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, a coupon generation 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 an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. The information management unit 140 is an example of an "acquisition unit." The coupon generation unit 150 is an example of a "processing unit."

[0021] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, content information 174, affiliated store / shop information 176, affiliated store history information 178, model information 180, and comment information 182. Details of each piece of information will be described later. Some of this information may be stored in the storage unit of the user terminal device 10.

[0022] Member store history information 178 is the history of electronic payments at member stores. For example, member store history information 178 includes information such as the average unit price for each member store, the number of payments, sales, holidays, the number of uses per customer, the contents of coupons created in the past, the history of each payment, and the results of statistical processing of these information.

[0023] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0024] The content providing unit 120 has, for example, a web server function, 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 from the user while 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 necessary for generating the content.

[0025] 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.

[0026] [User information] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as associated information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for remittance processing between users. Registration of a telephone number and password is required when registering for an electronic payment service. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth can be set by the user (or do 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.

[0027] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "Completed" or "Not Completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be discussed later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance or by credit payment. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown 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.).

[0028] The user information 172 may be associated with coupons that the user has acquired or that have been automatically granted in the services provided by the electronic payment service. For example, when the user makes an electronic payment at a member store that accepts coupons in the electronic payment service, the coupon is applied, and a benefit corresponding to the coupon is granted to the user's identification information. The benefit may be points, a discount, or the like.

[0029] [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 ID is associated with an affiliated store name and sales amount (described above), 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 store's location, and payment patterns.

[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 references the user information 172 to acquire the "payment method setting" of the user. For users 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 proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds 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 payments 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. The operator of the electronic payment service acts as the creditor, allowing electronic payments within the credit card payment limit and independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for credit card payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the payment amount exceeds the available credit card balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0032] 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 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, deletes, etc., the user information 172 and affiliated store / store information 176.

[0033] The coupon generation unit 150 works in conjunction with the merchant interface 72 to execute various processes related to the creation of coupons. For example, the coupon generation unit 150 displays an interface screen for creating coupons on the display unit of the merchant interface 72. The coupon is created based on information entered on the interface screen. The coupon is an electronic coupon that can be used in electronic payment services.

[0034] 7 is a diagram showing an example of an interface screen IF1 for creating a coupon. The interface screen IF1 is an interface screen for setting the contents of coupon items required when creating a coupon.

[0035] The contents of the items include, for example, stores where the coupon can be used, target users, return rate (award rate), conditions for use, budget, use period, etc. Some of the contents of the items may be omitted, or other contents may be added.

[0036] Coupons can be used at affiliated stores such as the Yotsuya and Akasaka stores.

[0037] Users eligible for the coupon include, for example, first-time users, followers (users who have performed a specified operation to add an affiliated store to their favorites), users who have used the store before, and users who have not used the store for a specified period of time.

[0038] The return rate is, for example, the content of the benefit given in response to the payment. For example, the reward content may be a percentage of the payment amount or 2 points for every 100 yen.

[0039] The conditions for use are, for example, the conditions under which a coupon can be applied, such as the minimum payment amount for which the coupon can be applied, the number of times the coupon can be applied, the upper limit of the amount of cashback (awarded) per use, and the upper limit of the total amount of cashback per user.

[0040] The budget is, for example, the upper limit of the affiliated store's budget for the coupon, or the upper limit of the budget for the benefit given to the user when the coupon is used.

[0041] The usage period is, for example, the period during which the coupon can be used.

[0042] The information input into the interface screen IF1 is an example of "first characteristic information." The first characteristic information may omit some of the information input into the interface screen IF1, or may include other information. The information items input into the interface screen IF1 are an example, and other items may be added as appropriate, and the item names may be changed as appropriate.

[0043] [overview] Furthermore, interface screen IF1 includes interface screen IF2 and interface screen IF3. Interface screen IF2 is an indicator showing the predicted validity of the coupon using the content of the item. Interface screen IF3 is a comment about the coupon.

[0044] The payment server 100, for example, acquires the contents of the items necessary for creating a coupon that a member store provides to a user and that can be used for electronic payments at the member store of the electronic payment service from the member store's interface 72. The payment server 100 applies the first characteristic information, which is the contents of the above items, the second characteristic information, which is information about the member store, and the third characteristic information based on the first characteristic information and the second characteristic information, to the model information 180 to derive an index indicating the validity of the coupon at the member store, and displays the index on the display unit of the interface 72 for member stores.

[0045] Indicators that indicate the effectiveness of a coupon include the number of coupon views, the number of acquirers, the number of users, and the number of uses (number of potential transactions). These indicators are information derived based on model information 180, which will be described later. Instead of model information 180, these indicators may be derived based on a predetermined function, which will be described in detail later.

[0046] Furthermore, the indicators indicating the effectiveness of the coupon include expected profit, expected sales, and expected cost derived using the above indicators. The expected sales is information derived by the coupon generation unit 150 based on the number of coupons used and the affiliated store history information 178. The expected sales is the amount obtained by multiplying the number of coupons used by a standard payment unit price (for example, an average payment unit price). The expected cost is, for example, the budget for the input coupon. The payment server 100 provides indicators indicating the effectiveness using the contents of the items input as described above.

[0047] The interface screen IF3 displays comments related to the index. For example, the coupon generation unit 150 compares the derived index with the reference index defined in the reference information and determines a comment corresponding to the comparison result. The reference information defines a comment for each comparison result.

[0048] The reference indicator is a threshold value corresponding to each indicator defined for the size or category of the affiliated store. For example, if the number of acquirers of the derived indicator is equal to or less than a threshold value, the coupon generation unit 150 identifies a comment to be displayed when the number of acquirers of the derived indicator is equal to or less than the threshold value, and displays the identified comment on the interface screen IF2. Furthermore, if multiple derived indicators are equal to or less than their respective threshold values, comments are displayed according to a preset priority. The comment may include advice for improving the indicator. For example, advice may be given on increasing the return rate to increase the number of acquirers, relaxing the terms of use, or extending the usage period. Note that, as will be described later, in addition to (or instead of) comparing the reference indicator with the derived indicator, an indicator when the content of the entered item is changed may be compared with the previous indicator, and a comment according to the comparison result may be displayed.

[0049] [flowchart] 8 is a flowchart showing an example of the flow of processing executed by the payment server 100. First, the payment server 100 determines whether or not the creation of a coupon has started (S100). When the creation of a coupon has started, the payment server 100 determines whether or not the contents of the items required for the creation of the coupon have been input (S102).

[0050] When the contents of the items required for creating a coupon are entered, the payment server 100 derives an index indicating the validity of the coupon based on the entered information and the model information 180 (S104). Next, the payment server 100 displays the derived index (and comments) on the display unit of the interface for member stores 72 (S106).

[0051] Next, the payment server 100 determines whether the content of the item has been changed (S108). If the content of the item has been changed, the payment server 100 returns to S104, derives an index indicating validity based on the changed content (S104), and proceeds to processing from S106 onwards. If the content of the item has not been changed, the payment server 100 determines whether a predetermined operation has been performed (S110). If the predetermined operation has not been performed, the process returns to processing of S108. If the predetermined operation has been performed, the processing of one routine of this flowchart ends. The predetermined operation is, for example, an operation to proceed with creating a coupon using the content of the input item.

[0052] As described above, when a member store creates a coupon, the payment server 100 derives an index indicating the validity of the coupon according to the content of the items, and if the content is changed, it derives and presents an index indicating the validity according to the changed content. This allows the member store to create a valid coupon that matches the content of the items intended by the member store.

[0053] [Model] 9 is a diagram for explaining the derivation of an index indicating effectiveness using model information 180. Model information 180 is a model that outputs output information when input information is input. Model information 180 is a machine learning model such as a model using a decision tree or a neural network.

[0054] The input information includes first characteristic information, second characteristic information, and third characteristic information. The output information includes the number of coupon views, the number of coupon acquisitions, and the number of coupon users. When the first characteristic information (information about the coupon), the second characteristic information (information about the affiliated store), and the third characteristic information (integrated information that integrates the first characteristic information and the second characteristic information) are input, the model information 180 outputs the number of coupon views, the number of coupon acquisitions, and the number of coupon users.

[0055] Furthermore, the coupon generation unit 150 derives the number of coupons to be used based on, for example, the number of users and a preset coefficient. The preset coefficient may be set based on information such as the size of the affiliated store, the category, the derived number of views, and the derived number of acquirers. For example, a coefficient may be defined for each of the above information, and these coefficients may be integrated to determine the coefficient to be applied to the number of coupons to be used. The preset coefficient may also be set based on the first characteristic information. For example, if a coupon can be used only once, the number of users becomes the number of coupons to be used. If the coupon can be used two or more times, a coefficient set based on the return rate, usage period, budget, usage conditions, etc. may be used.

[0056] In the input information, some of the first feature information, second feature information, and third feature information may be omitted. In the output information, some of the information on the number of coupon views, the number of coupon acquisitions, and the number of coupon users may be omitted. If omitted, the information will also be omitted during learning, which will be described later. Furthermore, instead of outputting some of the information on the number of coupon views, the number of coupon acquisitions, and the number of coupon users, the number of coupon usages may be output. In this case, learning is performed so that the number of coupon usages is also output during learning.

[0057] Instead of the above, the output information may be other information that is an index showing the effectiveness of the coupon. For example, the output information may be the coupon viewing rate (view score), the coupon acquisition rate (acquisition score), the number of coupon users (user score), the number of coupons used (usage score), or a score showing the attention or effectiveness of the coupon. In this case, the model is trained appropriately to output this output information.

[0058] [Feature information] FIG. 10 is a diagram for explaining the first characteristic information, the second characteristic information, and the third characteristic information. The first characteristic information is information about a coupon. The second characteristic information is information about an affiliated store that issues a coupon. The third characteristic information is information based on the first characteristic information and the second characteristic information.

[0059] [First characteristic information] The first characteristic information includes, for example, information indicating the conditions for obtaining the benefit, the degree of rebate, and restrictions on use. The conditions for obtaining the benefit (conditions for use) include the minimum transaction amount for which the coupon can be used, and the users eligible to use the coupon. The degree of rebate includes a rebate rate or amount and a budget. The degree of rebate may be a fixed amount of rebate. With a fixed amount of rebate, a fixed amount is rebated regardless of the payment amount (for example, 500 points are rebated no matter how much you pay).

[0060] The information indicating the usage restrictions includes the upper limit of the rebate amount per transaction, the maximum rebate amount across multiple transactions, the number of times the coupon can be used, and the usage period. The maximum rebate amount across multiple transactions is the maximum rebate amount per user (for example, if a total of XX points are earned, the usage of that user is restricted). The number of times the coupon can be used may be, for example, the maximum number of times it can be used per user, or the total number of times it can be used by all users.

[0061] The first characteristic information may include information about stores where the coupon can be used, a period, etc. The information about the period may include, for example, a usage period during which the coupon can be used, a period from when the coupon is created until the expiration of its use, or a period from when the coupon is created until the start of its use.

[0062] As described above, by using the first characteristic information, an index indicating the validity of the coupon according to the characteristics of the coupon is obtained.

[0063] [Second characteristic information] The second characteristic information includes the location of the affiliated store (for example, address, prefecture, city, town, or village), the category of the affiliated store (convenience store or restaurant), information about payments made at the affiliated store, and information about the number of payments made at the affiliated store. Information about payments made at the affiliated store may include the total payment amount, average payment amount, and median payment amount for the electronic payment service over a specified period. Information about payments made at the affiliated store may also include the total number of payments made at the electronic payment service over a specified period, the average number of payments, and the median number of payments. In addition to the above, the second characteristic information may also include the size of the affiliated store (sales and store size) and the type of contract between the electronic payment service and the affiliated store. The type of contract may indicate, for example, whether the affiliated store has subscribed to a specified paid service provided by the electronic payment service.

[0064] As described above, by using the second characteristic information, an index showing the effectiveness of a coupon according to the characteristics of the affiliated store can be obtained.

[0065] [Third characteristic information] The third characteristic information is information obtained using an index of the first characteristic information and an index of the second characteristic information. The third characteristic information is, for example, information obtained by statistically processing an index of the first characteristic information and an index of the second characteristic information. The index of the first characteristic information is, for example, an index included in the first characteristic information, such as a minimum transaction amount, a cashback rate, a cashback amount, a budget, an upper cashback limit, a maximum cashback amount, a maximum number of times that the transaction can be used, or a usage period. The index of the second characteristic information is an index included in the second characteristic information, such as an index related to the payment amount or an index related to the number of payments. An example is shown below.

[0066] The third characteristic information may include, for example, an index indicating the degree of application of a coupon when the minimum transaction amount for which a coupon can be used in the first characteristic information is applied to the payment amount in the payment history of the affiliated store in the second characteristic information over a predetermined period (e.g., an index indicating how many payments the coupon is applied to, such as an application rate).The third characteristic information may also include, for example, an index indicating the degree of return for each transaction when the minimum transaction amount for which a coupon can be used in the first characteristic information is applied to the payment amount in the payment history of the affiliated store in the second characteristic information over a predetermined period (e.g., an average return rate for payments to which the coupon is applied) (e.g., an average return rate when the coupon is applied to all applicable transactions).

[0067] The third characteristic information includes information indicating the result of a comparison between the minimum transaction amount for which the coupon of the first characteristic information can be used and the average payment amount of the payment history of the affiliated store of the second characteristic information over a predetermined period. For example, if the minimum transaction amount is greater than the average payment amount, the information is "1".

[0068] As described above, by using the third characteristic information, an index indicating the effectiveness of a coupon that reflects the characteristics of the coupon and the characteristics of the affiliated store can be obtained.

[0069] As described above, the payment server 100 can obtain a more accurate indicator of coupon validity by applying the first feature information, the second feature information, and the third feature information to the model information 180. Note that even if some of the above input information is omitted, a highly accurate indicator can be obtained. For example, even if the first feature information and the second feature information, the first feature information and the third feature information, or the second feature information and the third feature information are used as input information, a highly accurate indicator of coupon validity can be obtained.

[0070] [Model Training] The model information 180 is a model obtained by learning the learning information. The learning information is information in which input information is associated with output information that is correct answer data corresponding to the input information. The model information 180 is a model that has been learned so that when input information is input, output information corresponding to the input information is output.

[0071] [Learning results] FIG. 11 is a diagram showing an example of the accuracy of the learning results. FIG. 11 is a diagram showing the prediction accuracy of model information 180 using a regression line (prediction accuracy by model information 180). From the left, it is a graph showing the accuracy of the number of coupon views, the number of coupon acquisitions, and the number of coupon users. The vertical axis is the predicted value, and the horizontal axis is the actual number. The predicted values ​​are scattered on or near the regression line, which indicates that the accuracy of the predicted values ​​is sufficiently high.

[0072] The model information 180 may include multiple models. For example, it may include a model that outputs the number of coupon views when input information is input, a model that outputs the number of acquirers, a model that outputs the number of users, and the like. In this case, when input information is input to each model, the model is trained to output output information corresponding to the model. The model information 180 may be a function. For example, it may be a function with indices of the first feature information, the second feature information, and the third feature information as parameters. The function may be a function that outputs each piece of output information, similar to the model.

[0073] [About processing in response to changes in content] If the content of the items required to create the coupon is changed after the coupon generation unit 150 displays the indicator on the display unit of the interface 72 for affiliated stores, the coupon generation unit 150 applies the changed content, that is, the first characteristic information, the second characteristic information, and the third characteristic information, to the model information 180 to derive a new indicator that indicates the validity of the coupon at the affiliated store, and displays the new indicator on the display unit of the interface 72 for affiliated stores.

[0074] For example, when the content of an item on interface screen IF1 in Figure 7 is changed, the coupon generation unit 150 derives new indicators and changes each indicator on interface screen IF2 to the new indicators, allowing affiliated stores to check the validity of coupons with changed content in real time.

[0075] The coupon generation unit 150 compares the derived index with the new index, identifies the type of index that has fallen by more than a predetermined degree, and refers to comment information 182 in which index types and comments are associated with each other, and displays the comments of the identified index type together with the new index on the display unit. The comments are displayed on interface screen IF3 in FIG. 7.

[0076] 12 is a diagram showing an example of the contents of the comment information 182. The comment information 182 is information in which, for example, the target index (the type of index that has fallen by a predetermined degree or more), the changed content, the analysis result, and a comment are associated with each other. Either or both of the changed content and the analysis result may be omitted. The coupon generation unit 150 displays a comment corresponding to the target index on the display unit.

[0077] The coupon generation unit 150 may identify a comment by taking into account a combination of the target index and the changed content. For example, in the example of FIG. 12, if the target of the coupon is changed and the number of coupon views decreases, the coupon generation unit 150 identifies a comment corresponding to this combination (e.g., please consider the target and affiliated store) and displays the identified comment on the display unit. Although FIG. 12 shows some combinations of the target index and the changed content, comments corresponding to other combinations may also be specified in the comment information 182.

[0078] The comments include advice for raising the index and the reason why the index has dropped. The advice for raising the index is, for example, information about the items to be changed and how the changes should be made. The reason why the index has dropped is information indicating which of the changed items caused the drop.

[0079] In the above description, a comment is provided in response to an index that has fallen by a predetermined degree or more as the target index, but in addition (or instead), a comment in response to an index that has increased by a predetermined degree or more may be provided. In this case, the comment information 182 is associated with a comment in response to an index that has increased by a predetermined degree or more, or a comment in response to a combination of an index that has increased by a predetermined degree or more and the changed content. The comment may include the reason why the index increased, advice on how to further increase the index, etc.

[0080] As described above, the coupon generation unit 150 can assist the affiliated store in creating the desired coupon by identifying the comment corresponding to the indicator that has changed and providing the affiliated store with the identified comment.

[0081] According to the embodiment described above, the payment server 100 obtains from the member store terminal device the contents of the items necessary for creating a coupon that the member store provides to users and that can be used for electronic payments at the member store of the electronic payment service, and applies first feature information, which is the contents of the items, second feature information, which is information about the member store, and third feature information based on the first feature information and the second feature information, to model information 180, which outputs an indicator indicating the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the indicator for the member store, and display the indicator on the display unit of the member store terminal device, thereby improving the convenience of the member store in creating coupons.

[0082] 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]

[0083] 10 User terminal device 20. Payment App 50 First store terminal device 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Coupon Generation Unit 180 Model Information 182 Comment Information

Claims

1. an acquisition unit that acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payments at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the index for the affiliated store; a processing unit that displays the indicator on a display unit of the affiliated store terminal device, The third characteristic information includes an index indicating the degree of coupon application when the minimum transaction amount for which the coupon can be used in the first characteristic information is applied to the payment amount of the payment history of the affiliated store for a predetermined period of time in the second characteristic information, or an index indicating the degree of rebate for each transaction. Information processing device.

2. an acquisition unit that acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payments at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the index for the affiliated store; a processing unit that displays the indicator on a display unit of the affiliated store terminal device, The third characteristic information includes information indicating a comparison result between the minimum transaction amount for which the coupon can be used in the first characteristic information and an average payment amount in the payment history of the affiliated store for a predetermined period of time in the second characteristic information. Information processing device.

3. an acquisition unit that acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payments at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the index for the affiliated store; a processing unit that displays the indicator on a display unit of the affiliated store terminal device, The first characteristic information includes information indicating a condition for obtaining a benefit, a degree of return, and a restriction on use, the second characteristic information includes a location of the affiliated store, a category of the affiliated store, information about payments at the affiliated store, and information about the number of payments at the affiliated store; The third characteristic information includes an index indicating the degree to which the coupon can be applied when the minimum transaction amount for which the coupon can be used in the first characteristic information is applied to the payment amount of the payment history of the affiliated store for a predetermined period of time in the second characteristic information. Information processing device.

4. The first characteristic information includes information indicating conditions for obtaining a benefit, a degree of rebate, and restrictions on use. The information processing device according to claim 1 .

5. The conditions for obtaining the benefit include a minimum transaction amount for which the coupon can be used and the target users for which the coupon can be used; The degree of return includes a return rate or a return amount and a budget, The information indicating the usage restrictions includes a maximum cashback amount per transaction, a maximum cashback amount across multiple transactions, the number of times the coupon can be used, and a usage period. The information processing device according to claim 4 .

6. the second characteristic information includes a location of the affiliated store, a category of the affiliated store, information about payments at the affiliated store, and information about the number of payments at the affiliated store; The information processing device according to claim 1 .

7. The indicator of effectiveness is a predicted value and includes one or more pieces of information among the number of views of the coupon, the number of people who have acquired the coupon, and the number of people who have used the coupon. The information processing device according to claim 1 .

8. The processing unit displays the indicator on the display unit of the affiliated store terminal device, If the content of the items required for creating the coupon is changed, the first characteristic information, which is the changed content, the second characteristic information, and third characteristic information based on the first characteristic information, which is the changed content, and the second characteristic information are applied to the model to derive a new index indicating the validity of the coupon at the affiliated store; displaying the new indicator on a display unit of the affiliated store terminal device; The information processing device according to claim 1 .

9. the indicator of effectiveness and the new indicator are predicted values, and include one or more pieces of information among the number of views of the coupon, the number of people who have acquired the coupon, and the number of people who have used the coupon; comparing the index with the new index and identifying the type of index that has decreased by more than a predetermined degree; referencing information in which the type of index and the comment are associated with each other, and displaying the comment of the identified type of index together with the new index on the display unit; The information processing device according to claim 8 .

10. the processing unit inputs input information including the first feature information, the second feature information, and the third feature information into a model, obtains an index indicating the effectiveness output by the model, and displays the index on a display unit of the affiliated store terminal device; the model is a model trained to output, when the input information is input, the indicator indicating the effectiveness associated with the input information; The information processing device according to claim 1 .

11. The computer acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payments at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the index for the affiliated store; displaying the indicator on a display unit of the affiliated store terminal device; The third characteristic information includes an index indicating the degree of coupon application when the minimum transaction amount for which the coupon can be used in the first characteristic information is applied to the payment amount of the payment history of the affiliated store for a predetermined period of time in the second characteristic information, or an index indicating the degree of rebate for each transaction. Information processing methods.

12. On the computer, acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, thereby deriving the index for the affiliated store; displaying the indicator on a display unit of the affiliated store terminal device; The third characteristic information includes an index indicating the degree of coupon application when the minimum transaction amount for which the coupon can be used in the first characteristic information is applied to the payment amount of the payment history of the affiliated store for a predetermined period of time in the second characteristic information, or an index indicating the degree of rebate for each transaction. program.

13. The computer acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payments at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, to derive the index for the affiliated store; displaying the indicator on a display unit of the affiliated store terminal device; The third characteristic information includes information indicating a comparison result between the minimum transaction amount for which the coupon can be used in the first characteristic information and an average payment amount in the payment history of the affiliated store for a predetermined period of time in the second characteristic information. Information processing methods.

14. On the computer, acquires from the affiliated store terminal device of the affiliated store the contents of items necessary for creating a coupon that can be used for electronic payment at the affiliated store of the electronic payment service and that the affiliated store provides to the user; applying first feature information that is the content of the item, second feature information that is information about the affiliated store, and third feature information based on the first feature information and the second feature information to a model that outputs an index that indicates the validity of the coupon when the first feature information, the second feature information, and the third feature information are input, thereby deriving the index for the affiliated store; displaying the indicator on a display unit of the affiliated store terminal device; The third characteristic information includes information indicating a comparison result between the minimum transaction amount for which the coupon can be used in the first characteristic information and an average payment amount in the payment history of the affiliated store for a predetermined period of time in the second characteristic information. program.

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