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

Abstract

To provide an information processing device for reliably and efficiently determining whether use of a settlement means is legitimate use by the owner himself or herself or fraudulent use. [Solution] The information processing device 60 has an acquisition unit, a reception unit, an awarding unit, and an output unit. The acquisition unit acquires transaction information including store information indicating the store where the customer will conduct the transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information which is information on the transaction amount, and date and time information which indicates the date and time when the transaction was performed. The reception unit notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction. The awarding unit awards a predetermined reward to the customer when the reception unit receives confirmation. The output unit outputs information indicating the reward awarded by the awarding unit.

Description

[Technical Field]

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

[0002] In recent years, various cashless payment methods, such as credit cards, which are highly convenient for users, have become popular among consumers. However, along with the popularity of such convenient payment methods, there has also been an increase in the damage caused by fraudulent use of payment methods by persons other than the legitimate owner of the payment method. In consideration of this problem, a technology for automatically detecting fraudulent use has been proposed, as shown in Patent Document 1, for example. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2023-137572 Summary of the Invention [Problem to be solved by the invention]

[0004] However, even with the introduction of fraud detection systems such as those described above, it is difficult to automatically detect all fraudulent use without exception. Conversely, there are many cases where a payment instrument owner attempts to use the payment instrument legitimately, but the system falsely detects fraudulent use, hindering legitimate transactions. For this reason, services that not only detect fraudulent use but also notify the owner when the payment instrument is used are offered. However, these notifications are often rejected or overlooked even if received, making them ineffective. In particular, if the owner regularly conducts numerous transactions using the payment instrument, the number of notifications received will be so large that they are only used when necessary, rather than checking all notifications.

[0005] The present invention has been made in consideration of the above circumstances, and aims to provide an information processing device, an information processing method, and an information processing program for reliably and efficiently determining whether the use of a payment means is legitimate use by the owner or fraudulent use. [Means for solving the problem]

[0006] The information processing device has an acquisition unit, a reception unit, an awarding unit, and an output unit. The acquisition unit acquires transaction information including store information indicating the store where the customer will conduct the transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information which is information on the transaction amount in the transaction, and date and time information which indicates the date and time when the transaction was conducted. The reception unit notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction by the customer. The awarding unit awards a predetermined reward to the customer when the confirmation is received by the reception unit. The output unit outputs information indicating the reward awarded by the awarding unit.

[0007] The information processing method includes an acquisition step, a reception step, a granting step, and an output step, and is executed by a computer. The acquisition step acquires transaction information including store information indicating the store where the customer will conduct the transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information which is information on the transaction amount in the transaction, and date and time information which indicates the date and time when the transaction was conducted. The reception step notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction by the customer. The granting step grants a predetermined reward to the customer if confirmation is received in the reception step. The output step outputs information indicating the reward granted in the granting step.

[0008] The information processing program is configured to cause a computer to function as the above-mentioned information processing device. [Effects of the Invention]

[0009] According to an embodiment of the present invention, an information processing device acquires transaction information including store information indicating the store where a customer conducts a transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information indicating the transaction amount, and date and time information indicating the date and time when the transaction was performed. The information processing device notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the customer's execution of the transaction. If confirmation is received, the information processing device grants the customer a predetermined reward and outputs information indicating the granted reward. This allows the information processing device to motivate the customer to actively verify whether a transaction executed using the customer's payment method was executed by the customer. Therefore, the information processing device can encourage the customer to verify the transaction themselves, thereby reliably and efficiently determining whether the use of the payment method is legitimate or fraudulent. [Brief explanation of the drawings]

[0010] [Figure 1] 1 is a diagram showing a schematic configuration of a payment system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a block diagram showing a schematic configuration of a store terminal. [Figure 3] FIG. 2 is a block diagram showing a schematic configuration of an information processing center. [Figure 4] FIG. 1 is a block diagram showing a schematic configuration of an acquirer system. [Figure 5] 1 is a block diagram showing a schematic configuration of a payment brand system. [Figure 6] FIG. 1 is a block diagram showing a schematic configuration of an issuer system. [Figure 7] FIG. 1 is a block diagram showing a schematic configuration of an information processing device. [Figure 8] FIG. 2 is a block diagram showing a schematic configuration of a user terminal. [Figure 9] FIG. 2 is a block diagram showing a functional configuration of the information processing device. [Figure 10]10 is a flowchart showing a procedure for confirmation acceptance and reward awarding processing during online payment processing executed by an information processing device. [Figure 11] 11 is a diagram showing an example of a screen displayed on the user terminal based on information transmitted by the information processing device when the information processing device executes the confirmation reception process in the process of step S103 in FIG. 10. FIG. [Figure 12] This figure shows an example of a screen displayed on a user terminal based on information sent by an information processing device when the information processing device performs a confirmation acceptance process in step S103 for a transaction that is suspected to be highly likely to be fraudulent in the processing of step S102 of Figure 10. [Figure 13] 10 is a flowchart showing the procedure for a transaction list confirmation acceptance and reward granting process executed by an information processing device. [Figure 14] FIG. 14 is a diagram showing an example of a screen displayed on a user terminal based on information transmitted by an information processing device when the information processing device executes a confirmation reception process for a transaction list in the processing of step S204 of FIG. [Figure 15] FIG. 15 is a diagram showing an example of a screen for showing details of the transaction content that is displayed when each transaction is selected on the screen of FIG. 14. [Figure 16] FIG. 16 is a diagram showing an example of a screen for receiving customer confirmation, which is displayed when each transaction is selected on the screen of FIG. 14 or FIG. 15. [Figure 17] This figure shows an example of a screen displayed on a user terminal based on information sent by an information processing device when the information processing device performs a confirmation acceptance process in step S204 for a transaction that is suspected to be highly likely to be fraudulent in the processing of step S203 of Figure 13. DETAILED DESCRIPTION OF THE INVENTION

[0011] Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings. In the description of the drawings, the same elements are designated by the same reference numerals, and duplicate explanations will be omitted. Furthermore, the dimensional proportions in the drawings may be exaggerated for the sake of convenience and may differ from the actual proportions.

[0012] (Payment system) First, a payment system according to one embodiment of the present invention will be described.

[0013] FIG. 1 is a diagram showing a schematic configuration of a payment system according to one embodiment of the present invention.

[0014] 1, the payment system includes a store terminal 10, an information processing center 20, an acquirer system 30, a payment brand system 40, an issuer system 50, an information processing device 60, and a user terminal 70. The store terminal 10, the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, the information processing device 60, and the user terminal 70 are interconnected via a network.

[0015] The store terminal 10 is an information terminal installed in a store that is an affiliated store that uses the payment system. Multiple store terminals 10 may be connected to a payment server via a network, and the payment server may be connected to an information processing center 20 or the like. In this case, the multiple store terminals 10 and the payment server work together to configure the store terminal 10. Also, if the store is an affiliated store that conducts non-face-to-face transactions such as online sales (EC), the store terminal 10 is configured by the store's payment server or the payment server of a payment agent that executes the store's payment processing and a terminal such as a PC or smartphone used by a customer working together.

[0016] The information processing center 20 is a system for processing, transmitting, and receiving information related to payments. The information processing center 20 may include a system of a payment service provider (PSP) that handles various payment-related processes. Alternatively, the payment service provider's system may be connected as the PSP system 20 instead of the information processing center 20. Furthermore, the shop terminal 10 may be connected to the acquirer system 30 via a network without going through the information processing center 20 (including the PSP system).

[0017] The acquirer system 30 is a system established by an acquirer (a merchant contract holder) that concludes a merchant agreement with a merchant regarding the use of payment methods. If the acquirer has concluded a merchant agreement with a payment agent, the merchant may also conclude a merchant agreement with the payment agent. In this case, the payment agent also functions as an acquirer for the merchant.

[0018] The payment brand system 40 is a system provided by a payment brand that operates a payment method. When the payment brand itself concludes an affiliated store contract with a store, the payment brand system 40 and the acquirer system 30 may be provided as the same system or as separate systems by the same business operator.

[0019] The issuer system 50 is a system established by an issuer that issues payment instruments to users, who are customers. The payment instruments issued by the issuer may be, for example, a credit card-based payment instrument that allows for deferred payment based on the user's creditworthiness, or a debit card-based payment instrument that allows for immediate payment by debit from the user's bank account. Alternatively, a prepaid payment instrument may be used, in which the user charges value to an account in advance and makes a payment using the value charged to the account. When the payment brand itself issues the payment instrument, the payment brand system 40 and the issuer system 50 may be established as the same system or as separate systems operated by the same business operator. The payment brand itself may also be an acquirer that concludes an affiliated store agreement with a store. In this case, the payment brand system 40 and the acquirer system 30 may be established as the same system, or as separate, independent systems. As mentioned above, the issuer and acquirer may be the same business operator. In this case, the acquirer system 30 and the issuer system 50 may be provided as the same system, or may be provided as separate, independent systems. The following description will be given taking as an example a case where the acquirer system 30, the payment brand system 40, and the issuer system 50 are each independent systems.

[0020] The information processing device 60 is a device that executes processing to reliably and efficiently determine whether the use of the payment means is legitimate use by the owner or fraudulent use.

[0021] The user terminal 70 is an information terminal such as a smartphone or tablet PC used by a user who is a customer who conducts a transaction using a payment means.

[0022] 1 shows an example in which the information processing device 60 is connected to the acquirer system 30, the payment brand system 40, and the issuer system 50, but is not limited to this. The information processing device 60 may also be connected to a store terminal 10, an information processing center 20, etc. Furthermore, in this embodiment, a typical system configuration for credit card payments will be described as an example, but the system configuration may be changed as appropriate depending on the payment method used, etc.

[0023] Next, each component will be described in detail.

[0024] (Store terminal) FIG. 2 is a block diagram showing a schematic configuration of the store terminal.

[0025] 2, the store terminal 10 includes a control unit 11, a storage unit 12, a communication unit 13, a display unit 14, an operation reception unit 15, and a reading unit 16. Each component is connected to each other via a bus 17 so as to be able to communicate with each other.

[0026] The control unit 11 is a CPU (Central Processing Unit) that controls the above-mentioned components and executes various arithmetic processing in accordance with a program.

[0027] The storage unit 12 is composed of a ROM (Read Only Memory) that stores various programs and data in advance, a RAM (Random Access Memory) that temporarily stores programs and data as a working area, a hard disk that stores various programs and data, etc.

[0028] The communication unit 13 is an interface for communicating with other terminals and devices via a network, and transmits and receives various data to and from, for example, an information processing center 20 or the like.

[0029] The display unit 14 is composed of a liquid crystal display, a touch panel, etc., and displays various information.

[0030] The operation reception unit 15 is configured with a pointing device such as a mouse, a keyboard, a touch panel, etc., and receives various operations from the user. The display unit 14 and the operation reception unit 15 may be integrated into one unit such as a touch panel.

[0031] The reader 16 reads and acquires payment method identification information for identifying the payment method used by the customer from the customer's card, customer's information terminal, etc. The reader 16 includes, for example, a contact or contactless card reader and acquires payment method identification information from the customer's credit card, etc. The payment method identification information includes, for example, the customer's credit card number and expiration date. The reader 16 may also include a code reader that reads codes such as one-dimensional codes such as barcodes and two-dimensional codes such as QR Code (registered trademark). For example, in various code payments, the reader 16 acquires payment method identification information by reading a barcode displayed on the customer's information terminal.

[0032] If the store is a non-face-to-face affiliated store, the display unit 14, operation reception unit 15, reading unit 16, etc. may be configured on a terminal such as a smartphone used by the customer. In this case, the reading unit 16 can obtain payment method identification information by obtaining information entered by the customer on the payment screen displayed on the display by browser software on the smartphone, etc.

[0033] (Information Processing Center) FIG. 3 is a block diagram showing a schematic configuration of the information processing center.

[0034] 3, the information processing center 20 includes a control unit 21, a memory unit 22, a communication unit 23, a display unit 24, and an operation reception unit 25. Each component is connected to each other so as to be able to communicate with each other via a bus 26. Note that the control unit 21, memory unit 22, communication unit 23, display unit 24, and operation reception unit 25 of the information processing center 20 have the same functions as the control unit 11, memory unit 12, communication unit 13, display unit 14, and operation reception unit 15 of the store terminal 10, and therefore a description thereof will be omitted.

[0035] (Acquirer System) FIG. 4 is a block diagram showing a schematic configuration of an acquirer system.

[0036] 4, the acquirer system 30 includes a control unit 31, a storage unit 32, a communication unit 33, a display unit 34, and an operation reception unit 35. Each component is connected to each other so as to be able to communicate with each other via a bus 36. Note that each component of the acquirer system 30 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0037] (Branded payment system) FIG. 5 is a block diagram showing a schematic configuration of a payment brand system.

[0038] 5, the payment brand system 40 includes a control unit 41, a memory unit 42, a communication unit 43, a display unit 44, and an operation reception unit 45. Each component is connected to each other so that they can communicate with each other via a bus 46. Note that each component of the payment brand system 40 has the same function as each component of the information processing center 20, and therefore detailed explanations thereof will be omitted.

[0039] (Issuer System) FIG. 6 is a block diagram showing a schematic configuration of the issuer system.

[0040] 6, the issuer system 50 includes a control unit 51, a memory unit 52, a communication unit 53, a display unit 54, and an operation reception unit 55. Each component is connected to each other so as to be able to communicate with each other via a bus 56. Note that each component of the issuer system 50 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0041] (Information processing device) FIG. 7 is a block diagram showing a schematic configuration of an information processing device.

[0042] 7, the information processing device 60 includes a control unit 61, a storage unit 62, a communication unit 63, a display unit 64, and an operation reception unit 65. Each component is connected to each other so as to be able to communicate with each other via a bus 66. Note that each component of the information processing device 60 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0043] (user device) FIG. 8 is a block diagram showing a schematic configuration of a user terminal.

[0044] 8, the user terminal 70 includes a control unit 71, a storage unit 72, a communication unit 73, a display unit 74, and an operation reception unit 75. Each component is connected to each other so as to be able to communicate with each other via a bus 76. Note that each component of the user terminal 70 has the same function as each component of the information processing center 20, and therefore detailed description thereof will be omitted.

[0045] (Functions of information processing devices) FIG. 9 is a block diagram showing the functional configuration of the information processing device.

[0046] A control unit 61 of the information processing device 60 reads and executes a program stored in a storage unit 62. As a result, the control unit 61 functions as an acquisition unit 611, a reception unit 612, an assignment unit 613, an output unit 614, an estimation unit 615, a learning unit 616, and a notification unit 617, as shown in FIG.

[0047] The acquisition unit 611 acquires transaction information including store information indicating the store where the customer conducts the transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information which is information on the transaction amount in the transaction, and date and time information which indicates the date and time when the transaction was conducted.

[0048] The reception unit 612 notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction. The reception unit 612 notifies the customer of at least store information, amount information, and date and time information as the details of the transaction. The reception unit 612 may also receive from the customer a request for investigation and compensation application to the issuer of the payment method regarding a transaction not executed by the customer, and cooperate with the issuer.

[0049] The granting unit 613 grants a predetermined reward to the customer when the confirmation is accepted by the accepting unit 612. The granting unit 613 may grant an additional reward in addition to the predetermined reward depending on the status of the customer's confirmation.

[0050] The output unit 614 outputs information indicating the reward granted by the granting unit 613.

[0051] The estimation unit 615 estimates whether or not there is a high possibility that the transaction was carried out by a customer, based on the transaction information acquired by the acquisition unit 611. When accepting customer confirmation of the transaction, the acceptance unit 612 may output the result of the estimation by the estimation unit 615 in association with the content of the transaction.

[0052] The learning unit 616 may generate a trained model through machine learning using transaction information on multiple transactions and information indicating the results of customer confirmation for each transaction as training data. In this case, the estimation unit 615 can input the transaction information acquired by the acquisition unit 611 into the trained model and obtain an inference result output, thereby estimating whether the transaction is likely to have been executed by the customer.

[0053] The learning unit 616 may perform machine learning on the trained model using, as training data, transaction information on multiple transactions performed by multiple customers other than the customer, and information indicating the results of confirmation of each transaction by each of the multiple customers or information regarding fraudulent use. In this case, the estimation unit 615 can input the transaction information acquired by the acquisition unit 611 into the trained model and obtain an output of an inference result, thereby more accurately estimating whether or not the transaction is likely to have been performed by the customer.

[0054] The notification unit 617 notifies the customer of a transaction that the prediction unit 615 predicts is unlikely to have been carried out by the customer.

[0055] When a transaction is executed by online processing, the acquisition unit 611 acquires transaction information from information transmitted in the online processing. In this case, when the acquisition unit 611 acquires the transaction information, the acceptance unit 612 may transmit the details of the transaction to the customer and accept confirmation from the customer regarding the execution of the transaction each time the transaction is executed.

[0056] When the use of the payment method in a transaction is approved and customer confirmation is received by the receiving unit 612, the granting unit 613 may grant a first reward as consideration for the customer's confirmation of the approved transaction. On the other hand, when the use of the payment method in a transaction is denied and customer confirmation is received by the receiving unit 612, the granting unit 613 may grant a second reward as consideration for the customer's correction of the denied transaction. The quantity of the first reward may be set to be larger than the quantity of the second reward.

[0057] The acquisition unit 611 may acquire transaction information for each transaction executed within a predetermined period. In this case, the acceptance unit 612 outputs a list that can be viewed by the customer, listing the details of the transactions corresponding to the transaction information acquired by the acquisition unit 611, and accepts customer confirmation for each transaction in the list. The acceptance unit 612 may omit the process of accepting customer confirmation in the list for transactions for which customer confirmation is accepted at the time of execution of the transaction, and may accept customer confirmation in the list for transactions for which customer confirmation is not accepted for each execution of the transaction.

[0058] The acquisition unit 611 may acquire transaction information for transactions for which the use of a payment method is approved and transactions for which the use of a payment method is denied. In this case, the reception unit 612 may receive instructions from the customer regarding whether to receive customer confirmation for only approved transactions or for both approved and denied transactions, and may switch whether to output the details of denied transactions in the list based on the received instructions.

[0059] The acquisition unit 611 may transmit information indicating the details of the transaction to a server that provides a service for aggregating information on various transactions executed by the customer and enabling the customer to manage the information. In this case, the server receives confirmation from the customer regarding the execution of the transaction, and the reception unit 612 can receive confirmation from the customer regarding the execution of the transaction by receiving information from the external server.

[0060] The acquisition unit 611 may acquire transaction information for transactions conducted using multiple payment methods held by the customer in a lump sum. In this case, the acceptance unit 612 may output a list of transaction details corresponding to the transaction information for multiple payment methods acquired by the acquisition unit 611, and accept customer confirmation for each transaction.

[0061] The acquisition unit 611 may further acquire history information indicating the content or tendency of past transactions by the customer. In this case, the estimation unit 615 may estimate, based on the transaction information and the history information, that there is a high possibility that the transaction was executed by the customer if the content of the transaction matches the content or tendency of past transactions by the customer.

[0062] The acquisition unit 611 may further acquire the content of the customer confirmation regarding the past transaction received by the reception unit 612. In this case, the estimation unit 615 may further consider the content of the customer confirmation regarding the past transaction and estimate whether or not the transaction is likely to have been executed by the customer.

[0063] The acquisition unit 611 may further acquire information indicating the object of payment in the transaction. In this case, the estimation unit 615 may further consider the object of payment to estimate whether the transaction is likely to have been performed by a customer. For example, the estimation unit 615 may estimate that the transaction is likely to have been performed by a customer if the object of payment is a registration fee, annual fee, monthly fee, or interest payment that occurs periodically in a subscription-based service.

[0064] The acquisition unit 611 may further acquire fraud information regarding stores with a high risk of fraudulent transactions, the type of store, the transaction amount, or the transaction time period. In this case, the estimation unit 615 may estimate whether or not the transaction is likely to have been carried out by a customer based on the transaction information and the fraud information.

[0065] The acquiring unit 611 may further acquire location information regarding the location where the transaction was executed. In this case, the estimating unit 615 may estimate whether or not the transaction is likely to have been executed by a customer based on the transaction information and the location information.

[0066] The acquisition unit 611 may further acquire information regarding the input method of the payment method identification information for the transaction. In this case, the estimation unit 615 may estimate whether or not the transaction is likely to have been performed by the customer based on the transaction information and the input method.

[0067] The acquisition unit 611 may further acquire information regarding the content of the customer authentication performed in the transaction. In this case, the estimation unit 615 may further consider the content of the customer authentication to estimate whether or not the transaction is likely to have been performed by the customer. Furthermore, when the estimation unit 615 estimates that the transaction is likely to have been performed by the customer, the acceptance unit 612 may process the transaction as having received customer confirmation.

[0068] <Processing Overview> The processing executed by the information processing device 60 will be described below. Note that the following will take as an example an off-us transaction in which the acquirer business and the issuer business are different. In the case of an on-us transaction in which the acquirer business and the issuer business are the same, the acquirer business also performs processing as the issuer business. Note that the information processing device 60 can determine the business that will be the acquirer and the business that will be the issuer in the transaction using information such as the card number included in the payment method identification information and a pre-stored determination table. The acquirer is a store contractor that receives from the store the store fees that the store will bear in the transaction. The issuer is an issuer that issued (provided) the payment method used in the transaction to the customer. If the acquirer and issuer are the same business, the transaction is determined to be an on-us transaction, and if the acquirer and issuer are different businesses, the transaction is determined to be an off-us transaction.

[0069] <Confirmation and reward awarding process when online payment processing is performed> Fig. 10 is a flowchart showing the steps of the confirmation acceptance and reward granting process during online payment processing executed by an information processing device. Fig. 11 is a diagram showing an example of a screen displayed on a user terminal based on information transmitted by the information processing device when the information processing device executes the confirmation acceptance process in step S103 of Fig. 10. Fig. 12 is a diagram showing an example of a screen displayed on a user terminal based on information transmitted by the information processing device when the information processing device executes the confirmation acceptance process in step S103 for a transaction that is suspected to be highly likely to be fraudulent in step S102 of Fig. 10. The algorithm for the process shown in Fig. 10 is stored as a program in memory unit 62 of information processing device 60 and executed by control unit 61.

[0070] As shown in FIG. 10 , the information processing device 60 acquires transaction information regarding a transaction for which online payment processing has been executed (step S101). For example, the information processing device 60 acquires transaction information regarding a transaction executed by online payment processing using a payment method from the issuer system 50. Online payment processing is a process in which, for each transaction, an authorization request including transaction information is sent online from the store terminal 10 or the like to the issuer system 50, and payment and the transaction are finalized after confirming with the issuer whether the payment processing is approved. In the case of online payment processing, the issuer system 50 can instantly acquire transaction information regarding a transaction for which payment processing has been executed. Therefore, the information processing device 60 can also instantly acquire transaction information from the issuer system 50. The transaction information may include store information, payment method identification information, transaction amount information, information indicating the content or form of the transaction, etc. The information processing device 60 also acquires various information to be used in subsequent estimation processing, confirmation acceptance processing, etc. from the issuer system 50 or the like. Furthermore, the information processing device 60 may acquire transaction information not only for transactions for which the payment process has been approved, but also for transactions for which the payment process has been denied.

[0071] The information processing device 60 estimates whether or not there is a high possibility that the transaction was carried out by a customer based on the transaction information acquired in the processing of step S101 (step S102).

[0072] (Example of inference processing) For example, the information processing device 60 can infer whether a transaction is likely to have been performed by a customer by using a trained model that has been machine-learned using, as training data, transaction information regarding multiple transactions by a target customer and information indicating the results of customer verification (customer verification of the legitimacy of the transaction) for each transaction. The information processing device 60 may also perform machine learning on the trained model using, as training data, transaction information regarding multiple transactions performed by multiple customers other than the target customer, and information indicating the results of verification for each of the multiple customers for each transaction or information regarding fraudulent use. The information processing device 60 can infer whether a transaction is likely to have been performed by a customer by inputting the acquired transaction information into the trained model and obtaining an output of an inference result from the trained model.

[0073] The information processing device 60 also acquires history information indicating the content or trends of past transactions by the customer, compares the transaction information with the history information, and, if the content of the current transaction matches the content or trends of the customer's past transactions, can infer that the transaction is likely to have been carried out by the customer. The transaction content or trend may be determined by information such as the store where the transaction was conducted, the type of business, the transaction amount, and the time of the transaction. For example, if a similar amount of money is used in a store or business where the customer has conducted transactions several times in the past, the information processing device 60 can infer that the transaction is likely to have been carried out by the customer. The information processing device 60 may also acquire information indicating the content of customer confirmations (customer confirmation of the legitimacy of the transaction) received for past transactions and infer whether the transaction is likely to have been carried out by the customer based on the status of customer confirmations for past transactions. For example, transactions that have been confirmed by the customer are considered to have higher reliability and certainty as information than transactions that have not been confirmed by the customer. Therefore, the information processing device 60 can improve the accuracy of its inference by assigning a greater influence to transactions that have been confirmed by the customer than to transactions that have not been confirmed by the customer.

[0074] Furthermore, the information processing device 60 may further acquire information indicating the object of payment in the transaction and, by further considering the object of payment, infer whether or not the transaction is likely to have been performed by the customer. For example, if the object of payment is a registration fee, annual fee, monthly fee, or interest payment that occurs periodically in a subscription-based service, the information processing device 60 can infer that the transaction is likely to have been performed by the customer. These payments are continuous payments that occur based on a contract between the customer and the provider of various services, and are unlikely to be made due to fraudulent use by a third party, so the information processing device 60 can infer that the transaction is likely to have been performed by the customer.

[0075] Furthermore, the information processing device 60 may further acquire fraud information related to stores, store types, transaction amounts, or transaction times that are at high risk of fraudulent transactions, and infer whether or not the transaction is likely to have been carried out by a customer based on the transaction information and the fraud information. For example, the information processing device 60 can infer whether or not the transaction is likely to have been carried out by a customer by comparing the transaction information with the fraud information and determining whether or not the store, type of business, transaction amount, transaction time, etc. at which the transaction was carried out fall into a pattern that is at high risk of fraudulent transactions.

[0076] The information processing device 60 may also acquire location information regarding the location where the transaction was executed and, based on the transaction information and the location information, infer whether the transaction is likely to have been executed by the customer. For example, the information processing device 60 may acquire, as historical information, information regarding the locations where the customer has executed transactions in the past and compare it with the location where the current transaction was executed to infer whether the transaction is likely to have been executed by the customer. For example, if a transaction was executed at a location where the customer has executed transactions multiple times in the past, it may be inferred that the transaction was likely executed by the customer. Alternatively, if a transaction was executed at a location where the customer has not executed transactions in the past or at a location far from locations where the customer has executed transactions in the past, it may be inferred that the transaction was unlikely to have been executed by the customer. The information processing device 60 may acquire location information regarding the location where the transaction was executed from the store terminal 10, the user terminal 70, or the like. For example, the information processing device 60 may acquire location information such as the latitude and longitude of the user terminal 70 when a transaction is executed using a payment application installed on the user terminal 70. Alternatively, when the information processing device 60 sends a notification to the user terminal 70 to confirm that an online payment process has been executed, it can launch an application on the user terminal 70 via a push notification and obtain the location information of the user terminal 70.

[0077] The information processing device 60 may also acquire information regarding the input method of the payment instrument identification information for the transaction and, based on the transaction information and the input method, infer whether or not the transaction is likely to have been performed by the customer. For example, if the payment instrument identification information is acquired and input from a contactless IC card installed in the customer's smartphone, the information processing device 60 may infer that the transaction is likely to have been performed by the customer. This is because, in order to use the smartphone's payment function, the customer must perform user authentication on the smartphone to make it available for use, and then perform operations such as bringing the smartphone close to the reading unit 16 of the store terminal 10. Alternatively, if the payment instrument identification information is acquired and input from the customer's IC card, the information processing device 60 may infer that the transaction is likely to have been performed by the customer. On the other hand, if the payment instrument identification information is acquired from the customer's magnetic stripe card or input by inputting information on the screen during a non-face-to-face transaction, the information processing device 60 may infer that the transaction is not likely to have been performed by the customer.

[0078] Furthermore, the information processing device 60 may further acquire information regarding the content of the customer authentication performed in the transaction and further consider the content of the authentication to infer whether or not the transaction is likely to have been performed by the customer. For example, in a transaction using an IC card, if the customer's PIN entry is performed and successful as customer authentication, the information processing device 60 may infer that the transaction is likely to have been performed by the customer. Alternatively, in a non-face-to-face transaction such as online shopping, if the customer's authentication using 3D Secure is performed and successful as customer authentication, the information processing device 60 may infer that the transaction is likely to have been performed by the customer.

[0079] The information processing device 60 can execute an appropriate combination of the various inference methods described above. For example, the information processing device 60 may infer whether a transaction was performed by a customer using a trained model that has been further trained on information indicating the target of the transaction, fraud information, location information where the transaction was performed, information regarding the method of inputting the payment instrument identification information, and information regarding the details of the customer's identity authentication at the time of the transaction, in addition to the transaction information and information indicating the result of customer verification. Alternatively, the information processing device 60 may calculate a score regarding the authenticity of the transaction by adding up the inference results of each inference method after applying a predetermined weighting, and compare the score with a threshold to infer whether the transaction was performed by the customer.

[0080] Furthermore, if the information processing device 60 estimates that the transaction is likely to have been executed by a customer, the information processing device 60 may process the transaction as if it has received customer confirmation. In this case, the information processing device 60 may omit the process of step S103, which will be described later.

[0081] Furthermore, the information processing device 60 can notify the customer of a transaction that is unlikely to have been performed by the customer using various methods. For example, for a transaction that is unlikely to have been performed by the customer and is suspected of fraud, the information processing device 60 can notify the customer by sending a message to the customer's user terminal 70 requesting customer confirmation or by calling the customer to confirm. The message can be sent to the user terminal 70, for example, by email, a messaging function on various social networking sites, or a notification on a dedicated application. The call can be, for example, an outbound call to the user terminal 70, and the customer can be asked to confirm the transaction via automated voice guidance or an operator. Furthermore, as described below, the information processing device 60 can notify the customer that the transaction is unlikely to have been performed by the customer when accepting customer confirmation in the processing of step S103.

[0082] The information processing device 60 notifies the customer of the details of the transaction based on the transaction information and receives customer confirmation regarding the execution of the transaction (step S103). When receiving customer confirmation regarding the transaction, the information processing device 60 may output the results of the inference made in the processing of step S102 in association with the details of the transaction. The information processing device 60 can receive customer confirmation regarding the execution of the transaction by, for example, sending information for displaying a screen (email) such as that shown in FIG. 11 to the user terminal 70. The screen of FIG. 11 displays the customer's name, the name of the payment method used, details of the transaction, a "Confirm OK" button for receiving the customer's confirmation regarding the execution of the transaction, a "Request Investigation" button for requesting an investigation of the transaction, and the like. The transaction details include various information necessary for the customer to identify the transaction, such as the date and time the transaction was executed, the transaction amount, the store where the transaction was executed, and the transaction slip number.

[0083] When the customer presses the "Confirm OK" button on the screen of FIG. 11, the user terminal 70 transmits information indicating this to the information processing device 60, and the information processing device 60 receives the customer's confirmation regarding the execution of the transaction.

[0084] When the customer presses the "Request an investigation" button on the screen of Figure 11, the user terminal 70 sends information indicating this to the information processing device 60. The information processing device 60 accepts the investigation request from the customer and sends it to the issuer of the customer's payment method. Similarly, the information processing device 60 may accept from the customer an application for compensation for a fraudulent transaction and send it to the issuer of the payment method. The information processing device 60 may also accept from the customer an application for procedures regarding suspension of use and reissue of the payment method and send it to the issuer of the payment method.

[0085] The information processing device 60 can reflect the contents of the confirmation received in the process of step S103 in the trained model and the like used in the estimation process in step S102 and step S203 in FIG. 13, which will be described later.

[0086] For transactions that are deemed likely to be fraudulent in step S102, the information processing device 60 may send information to the user terminal 70 to display a screen (email) such as that shown in FIG. 12, to receive customer confirmation regarding the execution of the transaction. In the screen shown in FIG. 12, the subject line includes a message urging the customer to take special care, saying, "Please be sure to check!" The message body also includes a message urging the customer to immediately check the details of the transaction, saying, "This transaction is similar to past fraudulent activity, so please check the details of the transaction immediately." This allows the customer to more reliably understand the possibility of fraudulent activity and more proactively check whether the transaction was conducted by them.

[0087] If the customer's confirmation is received in the processing of step S103, the information processing device 60 grants a predetermined reward to the customer (step S104). For example, if the use of a payment method for a transaction is approved and confirmation that the customer has executed the transaction is received, the information processing device 60 grants a first reward to the customer as consideration for the customer's confirmation of the approved transaction. The first reward may be, for example, points or various values ​​equivalent to 1% of the transaction amount. Furthermore, if the use of a payment method for a transaction is denied and confirmation of the customer is received, the information processing device 60 grants a second reward to the customer as consideration for the customer's correction of the denied transaction. The second reward may be, for example, points or various values ​​equivalent to 0.2% of the transaction amount. As described above, the quantity of the first reward may be set to be larger than the quantity of the second reward. This actively encourages the customer to confirm the execution of the transaction, something that has not been done in the past. The granting of the first reward and the second reward is not limited to the granting of points provided by the payment method, but may also be implemented, for example, by transferring money to a bank account, charging prepaid value in another prepaid payment method, granting points in another point scheme, etc.

[0088] The information processing device 60 can receive instructions from the customer regarding whether to accept customer confirmation for only approved transactions or for both approved and denied transactions. Based on the received instruction, the information processing device 60 switches between accepting and not accepting customer confirmation for denied transactions.

[0089] Furthermore, the information processing device 60 may grant an additional reward in addition to the first and second rewards described above, depending on the status of confirmation by the customer. For example, if the customer confirms the transaction a predetermined number of times or at a predetermined rate, the information processing device 60 may grant an additional reward (a third reward) to the customer. Alternatively, if the customer confirms the execution of the transaction at a predetermined timing, such as during a campaign period, the information processing device 60 may grant an additional reward to the customer. For example, the information processing device 60 may grant an additional reward to a customer who consistently confirms every transaction for which online payment processing has been executed within a predetermined period. Furthermore, the information processing device 60 may grant an additional reward to a customer who consistently checks the transaction list every month. Furthermore, the information processing device 60 may grant rewards that include gamification elements, such as a reward for accumulating stamps on a stamp card or a reward for moving a square in a Sugoroku game each time a transaction is confirmed.

[0090] The information processing device 60 outputs information indicating the rewards granted to the customer in the processing of step S104 (step S105). For example, the information processing device 60 transmits and outputs information indicating the number of rewards granted to the customer and the number of rewards accumulated so far to the customer's user terminal 70. The user terminal 70 can output the information transmitted from the information processing device 60 to the screen of the operation reception unit 75 or the like to inform the customer of the status of the rewards granted.

[0091] <Transaction list confirmation acceptance and reward granting process> FIG. 13 is a flowchart showing the steps of the transaction list confirmation acceptance and reward granting process executed by an information processing device. FIG. 14 is a diagram showing an example of a screen displayed on a user terminal based on information transmitted by the information processing device when the information processing device executes the transaction list confirmation acceptance process in step S204 of FIG. 13. FIG. 15 is a diagram showing an example of a screen for displaying details of a transaction that is displayed when a transaction is selected on the screen of FIG. 14. FIG. 16 is a diagram showing an example of a screen for receiving customer confirmation that is displayed when a transaction is selected on the screen of FIG. 14 or FIG. 15. FIG. 17 is a diagram showing an example of a screen displayed on a user terminal based on information transmitted by the information processing device when the information processing device executes the confirmation acceptance process in step S204 for a transaction that is suspected to be highly likely to be fraudulent in step S203 of FIG. 13. The algorithm of the process shown in FIG. 13 is stored as a program in the memory unit 62 of the information processing device 60 and executed by the control unit 61.

[0092] As shown in FIG. 13, the information processing device 60 acquires transaction information for each transaction executed using a payment method within a predetermined period (step S201). For example, the information processing device 60 acquires transaction information for each transaction executed using a payment method within a predetermined period, such as a certain month or a certain week, from the issuer system 50. The transactions include transactions executed by online payment processing for which an authorization request is made and transactions executed by offline payment processing for which an authorization request is not made. For transactions executed by online payment processing, the transaction information has already been acquired in the processing of step S101 in FIG. 10, and the processing from step S102 onward has also been executed. The transaction information may include store information, payment method identification information, transaction amount information, information indicating the content or type of the transaction, etc. The information processing device 60 also acquires various information to be used in subsequent processes, such as the estimation process and the confirmation acceptance process, from the issuer system 50, etc. The information processing device 60 may acquire transaction information not only for transactions for which the payment process is approved, but also for transactions for which the payment process is denied.

[0093] For transactions for which customer confirmation has been received at the time of transaction execution, the information processing device 60 reflects the details of the transaction in the transaction information of the transaction and skips the subsequent steps S203 to S205 (step S202). Specifically, transactions for which online payment processing has been executed, transaction information has already been acquired in the processing of step S101 in Fig. 10, and customer confirmation has been received in the processing of step S103, are subject to the processing of step S202. Note that if a reward has not been awarded in the processing of step S104, a reward may be awarded in the processing of step S205.

[0094] The information processing device 60 infers whether or not there is a high possibility that each transaction was performed by a customer based on the transaction information acquired in the process of step S201 (step S203). The content of the inference process in step S201 is the same as the inference process in step S102.

[0095] The information processing device 60 outputs a list of transaction details corresponding to the transaction information acquired in step S201 so that the customer can view them, and receives customer confirmation for each transaction in the list (step S204). When receiving customer confirmation for a transaction, the information processing device 60 may output the results of the inference made in step S203 in association with the transaction details. The information processing device 60 can, for example, send information for displaying a list of transactions such as that shown in FIG. 14 to the user terminal 70 and receive customer confirmation regarding the execution of each transaction. The screen in FIG. 14 displays the details of each transaction, such as the date the transaction was executed, the transaction amount, and the store where the transaction was executed. The status of the customer's confirmation of each transaction is also displayed. For example, a transaction that the customer has already confirmed has been executed is marked with a symbol such as "OK," and a transaction that the customer has already confirmed has not been executed is marked with a symbol such as "NG."

[0096] For example, when the button for displaying details of each transaction (the "V" shape in the example of Figure 14) is selected on the screen of Figure 14, more detailed information about the transaction is displayed, as shown in Figure 15. In the example of Figure 15, information about the payment method selected for the transaction, the date and time the transaction was performed, and the location (latitude and longitude) where the transaction was performed is displayed.

[0097] Furthermore, when a button for confirming each transaction (a rectangle showing the transaction amount in the example of Fig. 14) is selected on the screen of Fig. 14, a screen for accepting the customer's confirmation regarding the execution of the transaction is displayed, as shown in Fig. 16. In the example of Fig. 16, a "Confirm OK" button for accepting the customer's confirmation regarding the execution of the transaction and a "Request Investigation" button for requesting an investigation of the transaction are displayed.

[0098] When the customer presses the "Confirm OK" button on the screen of FIG. 16, the user terminal 70 transmits information indicating this to the information processing device 60, and the information processing device 60 receives the customer's confirmation regarding the execution of the transaction.

[0099] When the customer presses the "Request an investigation" button on the screen of Figure 16, the user terminal 70 sends information indicating this to the information processing device 60. The information processing device 60 accepts the investigation request from the customer and sends it to the issuer of the customer's payment method. Similarly, the information processing device 60 may accept from the customer an application for compensation for a fraudulent transaction and send it to the issuer of the payment method.

[0100] The information processing device 60 can reflect the contents of the confirmation received in the process of step S204 in the trained model and the like used in the estimation process of step S102 in FIG. 10 and step S203 in FIG.

[0101] For transactions that are deemed likely to be fraudulent in the processing of step S203, the information processing device 60 may display a list on the user terminal 70, with a warning message attached to the customer, as shown in FIG. 17. In the screen of FIG. 17, the relevant transactions are associated with the word "high risk," which calls special attention from the customer. This allows the customer to more reliably understand the possibility of fraudulent use and encourages them to more proactively confirm whether the transaction was initiated by them. In addition, transactions for which customer confirmation has not yet been received are associated with the word "unconfirmed." This encourages the customer to confirm the transaction.

[0102] Generally, the transaction details displayed on the customer-specific web page provided to customers by the issuer system 50 only show transactions for which payment processing has been approved, but in the transaction list of this embodiment, transactions for which payment processing has been denied may also be displayed to receive customer confirmation.

[0103] The information processing device 60 can receive instructions from the customer regarding whether to receive customer confirmation for only approved transactions or for both approved and denied transactions. Based on the received instruction, the information processing device 60 switches between outputting the details of denied transactions in a list or not.

[0104] If the customer's confirmation is received in the process of step S204, information processing device 60 grants a predetermined reward to the customer (step S205). The content of the reward granting process in step S205 is the same as the reward granting process in step S104.

[0105] The information processing device 60 outputs information indicating the reward given to the customer in the process of step S205 (step S206). The content of the output process in step S206 is the same as the output process in step S105.

[0106] An example of the processing of the payment system has been described above, but the present invention is not limited to the above-described embodiment, and various modifications can be made within the scope of the claims.

[0107] For example, in the above embodiment, an example has been described in which the information processing device 60 receives customer confirmation by transmitting screen information for receiving customer confirmation regarding the execution of each transaction to the user terminal 70 and acquiring information from the user terminal 70. However, the method for receiving customer confirmation is not limited to this.

[0108] For example, the information processing device 60 may transmit information indicating the details of the transactions to a server (not shown) that provides an information aggregation service that aggregates information on various transactions executed by customers and enables the customers to manage the information. In this case, when the server transmits information indicating the details of the transactions to the user terminal 70 for the customer to view, the server may display screens such as those shown in FIGS. 14 to 16 in the information aggregation service and simultaneously accept the customer's confirmation regarding the execution of the transactions. Upon accepting the customer's confirmation regarding the execution of the transactions via the user terminal 70, the server transmits information indicating that the customer's confirmation has been accepted for each transaction to the information processing device 60. By receiving the above information from the server, the information processing device 60 can accept the customer's confirmation regarding the execution of the transactions by the customer.

[0109] Furthermore, the information processing device 60 may receive customer confirmation regarding the execution of a transaction while providing the information aggregation service described above. In this case, the information processing device 60 collectively acquires transaction information for transactions conducted using multiple payment methods owned by the customer. The information processing device 60 transmits information indicating the details of the transactions corresponding to the acquired transaction information using multiple payment methods to the user terminal 70. The user terminal 70 displays the details of each transaction side by side based on the received information and receives customer confirmation for each transaction. Upon receiving customer confirmation regarding the execution of a transaction, the user terminal 70 transmits information indicating that the customer confirmation has been received for each transaction to the information processing device 60. By receiving the above information from the user terminal 70, the information processing device 60 can receive customer confirmation regarding the execution of a transaction by the customer.

[0110] Furthermore, the information processing device 60 can appropriately combine and execute the confirmation reception process when the online payment process shown in Figure 10 is executed and the confirmation reception process in the transaction list shown in Figure 13 based on instructions from the customer, etc. For example, the information processing device 60 may execute the confirmation reception process after the online payment for each transaction for which the online payment process is executed, or may execute the confirmation reception process after the online payment for a transaction that is determined to have a high possibility of fraudulent use in the estimation process. Furthermore, the information processing device 60 may execute only the confirmation reception process in the transaction list without executing the confirmation reception process after the online payment.

[0111] In the above embodiment, the payment method is explained using a credit card as an example, but the payment method is not limited to this. Payment methods include debit card payment, prepaid card payment, electronic money payment, various code payments, various ID payments, convenience store payment, deferred payment, and any other payment method.

[0112] In addition, the stores covered include face-to-face member stores that conduct face-to-face transactions with customers, as well as non-face-to-face member stores that conduct non-face-to-face transactions via various communication means such as the Internet, telephone, and written documents without meeting customers face-to-face.

[0113] Depending on the payment method, the business structure and division of functions between the payment brand, payment method issuer, and acquirer may differ from those in the above-described embodiment and modified examples. For example, the payment brand and the payment method issuer may be the same business, the payment brand and the acquirer may be the same business, or the acquirer and the payment method issuer may be the same business. Even in such cases, the present invention can be applied in the same way as in the above-described embodiment by assigning the roles of each business to acquirer and issuer.

[0114] Furthermore, the payment system may include devices other than the store terminal 10, information processing center 20, acquirer system 30, payment brand system 40, issuer system 50, information processing device 60, and user terminal 70, or may not include any of the components. Furthermore, each of the store terminal 10, information processing center 20, acquirer system 30, payment brand system 40, issuer system 50, information processing device 60, and user terminal 70 may include components other than those described above, or may not include some of the components described above.

[0115] Furthermore, the functions of each component may be realized by other components. For example, some of the functions described as being possessed by the information processing device 60 may be executed by other components such as the information processing center 20, the acquirer system 30, the payment brand system 40, the issuer system 50, and the user terminal 70.

[0116] In addition, the store terminal 10, information processing center 20, acquirer system 30, payment brand system 40, issuer system 50, information processing device 60, and user terminal 70 may each be composed of multiple devices, or may be composed of a single device.

[0117] Furthermore, the processing in the system according to the above-described embodiment may include steps other than those in the flowchart above, or may not include some of the steps described above. The order of the steps is not limited to the above-described embodiment. Furthermore, each step may be combined with other steps and executed as a single step, may be included in other steps, or may be divided into multiple steps and executed.

[0118] As described above, the information processing device 60 of this embodiment acquires transaction information including store information indicating the store where the customer conducts the transaction, payment method identification information for identifying the payment method used by the customer in the transaction, amount information indicating the transaction amount, and date and time information indicating the date and time of the transaction. The information processing device 60 notifies the customer of the details of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction. If confirmation is received, the information processing device 60 grants the customer a predetermined reward and outputs information indicating the granted reward. This motivates the customer to proactively confirm whether a transaction executed using the customer's payment method was executed by the customer. Therefore, the information processing device 60 can encourage the customer to confirm the transaction themselves, thereby reliably and efficiently determining whether the use of the payment method is legitimate or fraudulent.

[0119] For example, some conventional fraud detection systems assess the possibility of fraudulent use as part of online payment processing (authorization request processing) and reject transactions that are deemed highly likely to be fraudulent. However, even with such fraud detection systems, it is difficult to automatically detect all fraudulent use without exception. Conversely, there are many cases where a payment instrument owner attempts to use the payment instrument legitimately, but the system mistakenly detects the use as fraudulent, thereby hindering legitimate transactions. In this regard, the information processing device 60 of this embodiment allows the customer to confirm that the customer actually performed the transaction using the payment instrument, eliminating the above-mentioned problems.

[0120] Furthermore, according to the information processing device 60 of this embodiment, even for transactions that do not involve online payment processing (transactions using so-called offline payment processing), the customer can confirm through their own operation that they have executed the transaction using a payment method.

[0121] Furthermore, the information processing device 60 of this embodiment allows the customer to confirm, through their own operation, that they themselves have executed the transaction using a payment method, whether in face-to-face transactions where the customer conducts the transaction in a store or non-face-to-face transactions such as online shopping. For example, for non-face-to-face transactions, personal authentication mechanisms such as EMV 3-D Secure exist, but the decision on whether to implement personal authentication using EMV 3-D Secure is left to the discretion of the issuer. Performing personal authentication using 3-D Secure for all transactions would significantly increase the burden on the customer. On the other hand, performing personal authentication using 3-D Secure only for transactions that may be fraudulent could result in missed detection of fraudulent transactions or false positives of legitimate transactions. In this regard, the information processing device 60 of this embodiment allows the customer to confirm, through their own operation, that they themselves have executed the transaction using a payment method, even in non-face-to-face transactions, thereby eliminating the above-mentioned problems.

[0122] Furthermore, even in conventional systems, there are mechanisms for notifying customers when a transaction is executed using a payment method, but customers have no incentive to actively check such notifications, so notifications are often turned off or the notifications are overlooked. However, with the information processing device 60 of this embodiment, when a customer confirms the execution of a transaction, a predetermined reward is awarded to the customer, which can motivate the customer to actively confirm the execution of the transaction.

[0123] In the event of fraudulent use of a payment instrument, customers are not required to pay any fees; the issuer of the payment instrument typically provides compensation. The compensation period is set at approximately 60 days from the date of the transaction. If the issuer detects fraudulent use, it can initiate the compensation process. However, there are cases where the issuer fails to detect fraudulent use and overlooks it. In such cases, customers who have suffered fraudulent use must apply for compensation from the issuer within the compensation period. For this reason, issuers encourage customers to check their transaction details (such as transaction details or transaction history). However, when there are many transactions or when a long time has passed since the transaction was made, it is often difficult for customers to determine whether a transaction was legitimate or unremembered based on their own memory. Furthermore, in recent years, there has been an increase in fraudulent use of small amounts. Customers are becoming lax in verifying such small transactions, which can lead to oversight. As a result, there have been many cases in which customers have had to bear the costs of fraudulent use. Therefore, a mechanism to prevent such fraudulent use from being overlooked is needed. Furthermore, if fraudulent use is overlooked, the card company's fraud detection system cannot utilize accurate fraudulent transaction history data for learning, which has the adverse effect of reducing detection accuracy. Therefore, the information processing device 60 of this embodiment allows the customer to confirm that they themselves have performed a transaction using a payment method, thereby solving the various problems described above.

[0124] Furthermore, when the information processing device 60 receives confirmation from the customer regarding the execution of a transaction, it notifies the customer of at least store information, amount information, and date and time information as transaction details. This allows the customer to easily determine whether the transaction was executed by them. Therefore, the information processing device 60 can more reliably and efficiently determine whether the use of the payment means is legitimate or fraudulent by the owner.

[0125] Furthermore, when a transaction is executed through online processing, the information processing device 60 acquires transaction information from the information transmitted in the online processing, transmits the transaction details to the customer, and receives customer confirmation regarding the execution of the transaction each time a transaction is executed. This allows customer confirmation to be received each time a transaction executed through online payment processing is executed. Therefore, since customer confirmation is received immediately after the transaction is executed, the customer can confirm the execution of the transaction based on their vivid memory. This allows the information processing device 60 to more reliably and efficiently determine whether the use of the payment means is legitimate or fraudulent, by the owner of the payment means.

[0126] Furthermore, if the use of a payment instrument in a transaction is approved and customer confirmation is received, the information processing device 60 grants a first reward as compensation for the customer's confirmation of the approved transaction. On the other hand, if the use of a payment instrument in a transaction is denied and customer confirmation is received, the information processing device 60 grants a second reward as compensation for the customer's correction of the denied transaction. This motivates customers to proactively verify whether or not a transaction in which the use of a payment instrument is approved, as well as a transaction in which the use of a payment instrument is denied (rejected), was actually performed by the customer. For example, if customer confirmation is obtained for a transaction in which the use of a payment instrument is denied due to suspected fraud, this information can be fed back to the issuer of the payment instrument. This allows the issuer to use the content of the acquired customer confirmation as feedback to the fraud detection system, thereby improving the detection accuracy of the fraud detection system.

[0127] Furthermore, the information processing device 60 can set the quantity of the first reward to be larger than the quantity of the second reward. This allows for a transaction in which the use of a payment method is approved to have a larger reward quantity, thereby further promoting customer confirmation, since customer confirmation is of greater importance or value. Furthermore, even in transactions in which the use of a payment method is denied, a certain amount of reward can be set, thereby promoting customer confirmation while suppressing the cost of providing rewards.

[0128] The information processing device 60 also acquires transaction information for each transaction executed within a specified period, outputs a list of transaction details corresponding to each transaction information so that the customer can view them, and accepts customer confirmation for each transaction in the list. This allows the customer to check all transactions executed within a specified period, including transactions that could not be confirmed when the online payment process was executed or transactions that were not processed online. For example, the information processing device 60 may provide a customer-specific webpage provided by the issuer in cooperation with the issuer system 50 or on behalf of the issuer system 50. In this case, the information processing device 60 can provide the list as transaction details (transaction history) that the customer can view on the webpage. The information processing device 60 can accept customer confirmation for each transaction while allowing the customer to view the transaction details. This allows the information processing device 60 to more reliably and efficiently determine whether the use of a payment instrument is legitimate or fraudulent.

[0129] Furthermore, the information processing device 60 can omit the process of receiving customer confirmation in the list for transactions for which customer confirmation is received at the time of transaction execution, and can receive customer confirmation in the list for transactions for which customer confirmation is not received for each transaction execution. This allows customer confirmation in the list to be omitted for transactions for which customer confirmation is received when online payment processing is executed. Therefore, the information processing device 60 can more efficiently determine whether use of a payment means is legitimate use by the owner or fraudulent use.

[0130] The information processing device 60 can also acquire transaction information for transactions in which the use of a payment method is approved and transactions in which the use of a payment method is denied. In this case, the information processing device 60 receives instructions from the customer regarding whether to accept customer confirmation for only approved transactions or for both approved and denied transactions. Based on the received instructions, the information processing device 60 switches whether to output the details of denied transactions in a list. This allows the customer to select whether to accept customer confirmation for only approved transactions, which require higher customer confirmation and carry larger rewards, or to accept customer confirmation for denied transactions as well.

[0131] The information processing device 60 may also transmit information indicating the transaction details to a server that provides a service that aggregates information on various transactions executed by customers and enables the customers to manage the information. In this case, the server receives the customer's confirmation regarding the execution of the transaction, and the information processing device 60 receives the information from the server and accepts the customer's confirmation regarding the execution of the transaction. This allows the customer's confirmation to be accepted in an information aggregation service, such as a household accounting service (household accounting app), that aggregates information on various transactions executed by customers and enables the customers to manage the information. Since customers often subscribe to and use information aggregation services to easily view information on various transactions, if the execution of transactions can be confirmed on such an information aggregation service, the customer can easily view and confirm the transaction. Therefore, the information processing device 60 can more reliably and efficiently determine whether the use of the payment instrument is legitimate or fraudulent.

[0132] Furthermore, the information processing device 60 can collectively acquire transaction information for transactions conducted using multiple payment methods owned by the customer, output transaction details corresponding to the acquired transaction information for the multiple payment methods, and receive customer confirmation for each transaction. This allows the information processing device 60 to provide the information aggregation service described above. If the information processing device 60 provides an information aggregation service and can confirm transaction execution on such an information aggregation service, the customer can easily view and confirm the transaction. Therefore, the information processing device 60 can more reliably and efficiently determine whether the use of a payment method is legitimate or fraudulent.

[0133] Furthermore, the information processing device 60 may infer whether or not there is a high possibility that the transaction was executed by the customer based on the acquired transaction information. In this case, when the information processing device 60 receives confirmation of the transaction from the customer, it outputs the result of the inference in association with the content of the transaction. This allows the result of the inference by the information processing device 60 to be confirmed when confirming whether or not the customer executed the transaction, thereby enabling more reliable and efficient confirmation.

[0134] Furthermore, the information processing device 60 may further acquire history information indicating the content or trends of past transactions by the customer. In this case, the information processing device 60 can infer, based on the transaction information and history information, that it is highly likely that the transaction was executed by the customer if the content of the transaction matches the content or trends of the customer's past transactions. Therefore, the information processing device 60 can make inferences taking into account the content and trends of the customer's transactions, and therefore can more accurately infer whether it is highly likely that the transaction was executed by the customer.

[0135] Furthermore, the information processing device 60 may further acquire the content of confirmations received from customers regarding past transactions. In this case, the information processing device 60 can further consider the content of confirmations from customers regarding past transactions to infer whether or not it is highly likely that a transaction was executed by a customer. Therefore, since the information processing device 60 can make inferences by further considering the content of confirmations from customers regarding past transactions, it can more accurately infer whether or not it is highly likely that a transaction was executed by a customer.

[0136] The information processing device 60 may also acquire information indicating the object of payment in the transaction. In this case, the information processing device 60 can further consider the object of payment to infer whether the transaction is likely to have been performed by the customer. Therefore, since the information processing device 60 can make inferences by further considering the object of payment, it can more accurately infer whether the transaction is likely to have been performed by the customer. For example, if the object of payment is a registration fee, annual fee, monthly fee, or interest payment that occurs periodically in a subscription-based service, the information processing device 60 may infer that the transaction is likely to have been performed by the customer. These payments are continuous payments made based on a contract between the customer and the provider of various services and are unlikely to be made due to fraudulent use by a third party. Therefore, the information processing device 60 can more reliably and efficiently determine whether the use of the payment instrument is legitimate or fraudulent.

[0137] Furthermore, the information processing device 60 may further acquire fraud information regarding stores, store types, transaction amounts, or transaction time periods where there is a high risk of fraudulent transactions occurring. In this case, the information processing device 60 can infer whether or not there is a high probability that the transaction was carried out by a customer based on the transaction information and fraud information. Therefore, the information processing device 60 can make inferences taking into further consideration situations where there is a high risk of fraudulent transactions occurring, and can therefore more accurately infer whether or not there is a high probability that the transaction was carried out by a customer.

[0138] Furthermore, the information processing device 60 may further acquire location information regarding the location where the transaction was executed. In this case, the information processing device 60 can infer whether or not it is highly likely that the transaction was executed by a customer based on the transaction information and the location information. Therefore, the information processing device 60 can make inferences taking into further consideration the location where the transaction was executed, and can therefore more accurately infer whether or not it is highly likely that the transaction was executed by a customer.

[0139] The information processing device 60 may also acquire information regarding the input method of the payment method identification information for the transaction. In this case, the information processing device 60 can infer whether or not the transaction is likely to have been carried out by a customer based on the transaction information and the input method. Therefore, the information processing device 60 can make inferences taking into account the input method of the payment method identification information for the transaction, thereby more accurately inferring whether or not the transaction is likely to have been carried out by a customer.

[0140] Furthermore, the information processing device 60 may further acquire information regarding the content of the customer's identity authentication performed in the transaction. In this case, the information processing device 60 can further consider the content of the identity authentication to infer whether or not it is highly likely that the transaction was performed by the customer. If it is inferred that it is highly likely that the transaction was performed by the customer, the information processing device 60 may process the transaction as if it has received customer confirmation. Therefore, the information processing device 60 can further consider the content of the customer's identity authentication performed in the transaction to infer whether or not it is highly likely that the transaction was performed by the customer, and therefore can more accurately infer whether or not it is highly likely that the transaction was performed by the customer.

[0141] Furthermore, the information processing device 60 may generate a trained model through machine learning using transaction information regarding multiple transactions and information indicating the results of customer confirmation regarding each transaction as training data. In this case, the information processing device 60 can estimate whether or not a transaction is likely to have been performed by a customer by inputting the acquired transaction information into the trained model and obtaining an output. Therefore, the information processing device 60 can make an estimate using the trained model that has been machine-learned using the customer's own past transactions and confirmation results as training data, thereby more accurately estimating whether or not a transaction is likely to have been performed by a customer.

[0142] Furthermore, the information processing device 60 may perform machine learning on a trained model using training data including transaction information on multiple transactions performed by multiple customers other than the customer, and information indicating the results of verification of each transaction by each of the multiple customers or information regarding fraudulent use. The information processing device 60 can infer whether or not a transaction is likely to have been performed by the customer by inputting the acquired transaction information into the trained model and obtaining output. Therefore, the information processing device 60 can make inferences using a trained model that has been further machine-learned using multiple transactions performed by customers other than the customer and the verification results as training data, thereby more accurately inferring whether or not a transaction is likely to have been performed by the customer.

[0143] Furthermore, the information processing device 60 may notify the customer of transactions that are unlikely to have been carried out by the customer. This allows the customer to be immediately notified of transactions that are suspected to have been fraudulently carried out by someone other than the customer, and encourages the customer to promptly confirm the transaction.

[0144] Furthermore, the information processing device 60 can accept from the customer a request for investigation and an application for compensation to the issuer of the payment instrument regarding a transaction not executed by the customer, and send the request to the issuer. This makes it easy to request an investigation and apply for compensation to the issuer of the payment instrument regarding a transaction suspected of being fraudulently executed by someone other than the customer.

[0145] Furthermore, the information processing device 60 may provide an additional reward in addition to the predetermined reward depending on the customer's confirmation status. For example, if the customer proactively confirms the transaction, an additional reward may be provided, further increasing the customer's motivation to confirm the transaction. This allows the information processing device 60 to more reliably and efficiently determine whether the use of the payment means is legitimate or fraudulent.

[0146] The means and methods for performing various processes in each device of the system according to the above-described embodiment can be realized by either a dedicated hardware circuit or a programmed computer. The program may be provided, for example, on a computer-readable recording medium such as a CD-ROM (Compact Disc Read Only Memory), or online via a network such as the Internet. In this case, the program recorded on the computer-readable recording medium is typically transferred to and stored in a storage unit such as a hard disk. The program may also be provided as standalone application software, or may be incorporated into the software of each device in the system as a function of that device. [Explanation of symbols]

[0147] 10 store terminals, 11 control section, 12 storage section, 13 Communications Department, 14 Display section, 15 Operation reception unit, 16 reading unit, 20 Information Processing Center (PSP System), 21 control section, 22 Memory section, 23 Communications Department, 24 Display section, 25 Operation reception unit, 26 buses, 30 Acquirer System, 31 control section, 32 storage section, 33 Communications Department, 34 Display section, 35 Operation reception unit, 36 bus, 40 payment brand systems, 41 control section, 42 Memory section, 43 Communications Department, 44 Display section, 45 Operation reception unit, 46 bus, 50 Issuer Systems, 51 control section, 52 Memory section, 53 Communications Department, 54 Display section, 55 Operation reception unit, 56 bus, 60 Information processing device, 61 control section, 611 Acquisition Department; 612 Reception Department, 613 Grant Department, 614 output section, 615 Guessing Department, 616 Learning Department, 617 Notification Department, 62 Memory section, 63 Communications Department, 64 Display section, 65 Operation reception unit, 66 bus, 70 user terminals, 71 control section, 72 Memory section, 73 Communications Department, 74 Display section, 75 Operation reception unit, Bus 76.

Claims

1. an acquisition unit that acquires transaction information including store information indicating the store where the customer conducts the transaction, payment means identification information for identifying the payment means used by the customer in the transaction, amount information that is information on the transaction amount in the transaction, and date and time information that indicates the date and time when the transaction was conducted; a reception unit that notifies the customer of the content of the transaction based on the transaction information and receives confirmation from the customer regarding the execution of the transaction by the customer; an awarding unit that awards a predetermined reward to the customer when the confirmation is received by the receiving unit; an output unit that outputs information indicating the reward granted by the granting unit; An information processing device having the above.

2. The information processing device according to claim 1 , wherein the reception unit notifies the customer of at least the store information, the amount information, and the date and time information as the content of the transaction.

3. the acquiring unit acquires the transaction information from information transmitted in the online processing when the transaction is executed by the online processing; 3. The information processing device according to claim 1, wherein the reception unit transmits details of the transaction to the customer when the transaction information is acquired by the acquisition unit, and receives confirmation from the customer regarding the execution of the transaction by the customer each time the transaction is executed.

4. 4. The information processing device of claim 3, wherein the granting unit grants a first reward as compensation for the customer's confirmation of the approved transaction when the use of the payment means in the transaction is approved and the customer's confirmation is accepted by the acceptance unit, and grants a second reward as compensation for the customer's correction of the rejected transaction when the use of the payment means in the transaction is denied and the customer's confirmation is accepted by the acceptance unit.

5. The information processing device according to claim 4 , wherein the quantity of the first reward is greater than the quantity of the second reward.

6. the acquiring unit acquires the transaction information for each of the transactions executed within a predetermined period; 3. The information processing device according to claim 1, wherein the reception unit outputs a list of transaction details corresponding to the transaction information acquired by the acquisition unit that can be viewed by the customer, and receives confirmation from the customer for each transaction in the list.

7. 7. The information processing device of claim 6, wherein the reception unit omits the process of receiving customer confirmation in the list for transactions for which the customer confirmation is received at the time of execution of the transaction, and receives customer confirmation in the list for transactions for which the customer confirmation is not received each time the transaction is executed.

8. the acquisition unit acquires the transaction information of the transaction for which the use of the payment means is approved and the transaction for which the use of the payment means is denied; 7. The information processing device according to claim 6, wherein the reception unit receives instructions from the customer regarding whether to receive the customer's confirmation for only the approved transaction or for both the approved transaction and the denied transaction, and switches whether to output the details of the denied transaction in the list based on the received instructions.

9. The acquisition unit transmits information indicating the content of the transaction to a server that provides a service for aggregating information on various transactions executed by the customer and enabling the customer to manage the information, and the server receives confirmation from the customer regarding the execution of the transaction; The information processing device according to claim 1 , wherein the reception unit receives information from the server to receive confirmation from the customer regarding the execution of the transaction by the customer.

10. the acquiring unit collectively acquires the transaction information of the transactions conducted using the plurality of payment methods held by the customer; The information processing device according to claim 1 , wherein the accepting unit outputs details of the transactions corresponding to the transaction information for the plurality of payment methods acquired by the acquiring unit, and accepts confirmation from the customer for each of the transactions.

11. The method further includes a deduction unit that infers whether or not the transaction is likely to have been carried out by the customer based on the transaction information acquired by the acquisition unit, The information processing device according to claim 1 , wherein the reception unit outputs the result of the estimation by the estimation unit in association with the content of the transaction when receiving confirmation of the transaction from the customer.

12. The acquisition unit further acquires history information indicating the content or tendency of past transactions by the customer; The information processing device according to claim 11 , wherein the inference unit infers that, if the content of the transaction matches the content or tendency of past transactions of the customer, there is a high possibility that the transaction was carried out by the customer, based on the transaction information and the history information.

13. The acquisition unit further acquires the content of the confirmation by the customer regarding the past transaction received by the reception unit, The information processing device according to claim 12 , wherein the estimation unit estimates whether or not the transaction is highly likely to have been carried out by the customer, further taking into consideration the content of the customer's confirmation regarding the past transaction.

14. the acquiring unit further acquires information indicating a target to which payment is to be made in the transaction; The information processing device according to claim 11 , wherein the estimation unit estimates whether or not there is a high possibility that the transaction was executed by the customer, further taking the target into consideration.

15. The information processing device according to claim 14, wherein the estimation unit estimates that the transaction is likely to have been carried out by the customer if the target is a registration fee, annual fee, monthly fee, or interest payment that occurs periodically in a registration-based service.

16. The acquisition unit further acquires fraud information relating to stores with a high risk of fraudulent transactions, the type of business of the stores, the transaction amount, or the transaction time period; The information processing device according to claim 11 , wherein the estimation unit estimates whether or not the transaction is likely to have been carried out by the customer based on the transaction information and the fraud information.

17. The acquisition unit further acquires location information regarding a location where the transaction was executed; The information processing device according to claim 11 , wherein the estimation unit estimates whether or not the transaction is likely to have been carried out by the customer based on the transaction information and the location information.

18. the acquisition unit further acquires information regarding a method for inputting the payment method identification information for the transaction; The information processing device according to claim 11 , wherein the estimation unit estimates whether or not the transaction is likely to have been carried out by the customer based on the transaction information and the input method.

19. The acquisition unit further acquires information regarding the content of the customer authentication performed in the transaction, the estimation unit further considers the content of the personal authentication and estimates whether the transaction is likely to have been carried out by the customer; The information processing device according to claim 11 , wherein the accepting unit processes the transaction as if confirmation of the customer has been accepted when the estimating unit estimates that the transaction is highly likely to have been carried out by the customer.

20. a learning unit that generates a trained model by machine learning using the transaction information regarding the plurality of transactions and information indicating the result of the customer confirmation regarding each transaction as training data; The information processing device according to claim 11 , wherein the estimation unit estimates whether or not the transaction is likely to have been carried out by the customer by inputting the transaction information acquired by the acquisition unit into the trained model and obtaining an output.

21. the learning unit performs machine learning of the trained model using the transaction information regarding a plurality of transactions performed by a plurality of customers other than the customer, and information indicating the results of confirmation of each transaction by each of the plurality of customers or information regarding fraudulent use as training data; The information processing device according to claim 20 , wherein the estimation unit estimates whether or not the transaction is likely to have been carried out by the customer by inputting the transaction information acquired by the acquisition unit into the trained model and obtaining an output.

22. The information processing device according to claim 11 , further comprising a notification unit that notifies the customer of the transaction that is inferred by the inference unit to be unlikely to have been carried out by the customer.

23. 3. The information processing device according to claim 1, wherein the accepting unit is capable of accepting from the customer a request for investigation and an application for compensation to the issuer of the payment method regarding a transaction not executed by the customer, and transmitting the request to the issuer.

24. The information processing device according to claim 1 , wherein the awarding unit awards an additional reward in addition to the predetermined reward depending on the status of the confirmation by the customer.

25. an acquisition step of acquiring transaction information including store information indicating the store where the customer will conduct the transaction, payment means identification information for identifying the payment means used by the customer in the transaction, amount information which is information on the transaction amount in the transaction, and date and time information which indicates the date and time when the transaction was conducted; a receiving step of notifying the customer of the content of the transaction based on the transaction information and receiving confirmation from the customer regarding the execution of the transaction by the customer; an awarding step of awarding a predetermined reward to the customer when the confirmation is accepted in the accepting step; an output step of outputting information indicating the reward awarded in the awarding step; A computer-implemented information processing method, including:

26. An information processing program for causing a computer to function as the information processing device according to claim 1 or 2.

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