Information processing device, information processing method, and program

Abstract

To enable users of electronic payment services to easily verify their income gains. [Solution] An information processing device comprising: an acquisition unit that acquires input information including information for obtaining income gains generated based on financial assets held by a user of an electronic payment service in a predetermined financial service; and a display control unit that, based on the input information, causes the user to display information relating to the income gains generated by the user on the screen of the electronic payment service displayed on the user terminal device used by the user.

Description

Technical Field

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

Background Art

[0002] Patent Document 1 discloses a technique for displaying the value (asset amount, stock) of financial assets held by a user of an electronic payment service in a predetermined financial service on the screen of the electronic payment service. The "value of financial assets" is, for example, the remaining balance of a charge, points in an electronic payment service, the balance of a deposit in a predetermined bank, the asset evaluation amount in a predetermined securities company, and the like.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the conventional technology, in order for a user of an electronic payment service to confirm the income gain generated from the above financial assets, it was necessary to individually refer to the interfaces (such as websites and applications) provided by each financial service. Therefore, it took time for the user of the electronic payment service to confirm the income gain.

[0005] The present invention has been made in consideration of such circumstances, and an object thereof is to provide an information processing apparatus, an information processing method, and a program that enable a user of an electronic payment service to easily confirm the income gain.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing device comprising: an acquisition unit that acquires input information including information for obtaining income gains generated based on financial assets held by a user of an electronic payment service in a predetermined financial service; and a display control unit that, based on the input information, causes the user to display information relating to the income gains generated by the user on the screen of the electronic payment service displayed on a user terminal device used by the user. [Effects of the Invention]

[0007] According to the above aspects of the present invention, it is possible to provide an information processing device, an information processing method, and a program that enable users of electronic payment services to easily confirm their income gains. [Brief explanation of the drawing]

[0008] [Figure 1] This figure shows an example of the configuration of an information processing system that implements electronic payment services and income gain management services. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payments. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payments. [Figure 4] This figure shows an example of the functional configuration of the payment server 100. [Figure 5] This figure shows an example of the contents of user information 172. [Figure 6] This figure shows an example of the contents of merchant / store information 176. [Figure 7] This figure shows an example of the functional configuration of the Income Gain Management Unit 200. [Figure 8] This diagram shows an example of the functional configuration of the service server 300. [Figure 9] This sequence diagram shows an example of the process for displaying information related to income gain, which is executed by the user terminal device 10, the payment server 100, and the service server 300. [Figure 10] This figure shows an example of the contents of Income Gain Management Information 274. [Figure 11] This figure shows an example of an interface screen provided to the payment application 20. [Figure 12] This sequence diagram shows an example of the process related to providing action prompts, which is executed by the user terminal device 10, the payment server 100, and the service server 300. [Modes for carrying out the invention]

[0009] The following describes embodiments of the information processing apparatus, information processing method, and program of the present invention with reference to the drawings. Various devices, such as devices and servers, that provide services to users or perform internal analysis may be implemented by a distributed group of devices, and the operators of each device may be different. Furthermore, the owner of the hardware of the devices (the provider of the cloud server) and the operator that actually operates them may also be different. The application program, payment server, and service server work together to provide electronic payment services and income gain management services. In the following description, the application program that runs on the user terminal device 10 (details will be described later) will be referred to as the payment app. The electronic payment service is a service that supports payment for the purchase of goods and services at a store. A store is, for example, a physical store that exists in the real world (a physical store), but it may also include a virtual store for e-commerce. The virtual store may include one provided by an entity different from the operator of the electronic payment service. In that case, when settling a purchase at the virtual store, the system may be controlled to transition to the interface screen of the electronic payment service. In electronic payment services, stores are treated as belonging to, for example, a merchant (brand), and the processing of payments and other transactions when a purchase is made at a store is primarily carried out between the user and the merchant. Alternatively, the processing of payments and other transactions may be carried out between the user and the store.

[0010] [Information Processing Systems] Figure 1 shows an example of the configuration of an information processing system that implements electronic payment services and income gain management services. The electronic payment service is implemented around a payment server 100. The income gain management service is implemented around a payment server 100 and a service server 300. The information processing system that implements the electronic payment service and income gain management service includes, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a payment server 100, and one or more service servers 300. These devices communicate, for example, via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, and provider equipment. The payment server 100 is an example of an "information processing device".

[0011] Some or all of the functional configurations included in the information processing system may be distributed across multiple devices in any form, or integrated into any device. For example, some or all of the functional configurations of the payment server 100 may be included in a device different from the payment server 100, and some or all of the functional configurations of the service server 300 may be included in a device different from the service server 300.

[0012] [Electronic payment service] The following section primarily describes electronic payment services, followed by a detailed explanation of the configuration and processing related to income gain management services.

[0013] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, when the settlement application 20 is executed by a processor such as a CPU, it operates to provide an electronic settlement service to the user in cooperation with the settlement server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc. Further, in the user terminal device 10, when the settlement application 20 is executed, it operates to provide an income gain management service to the user in cooperation with the settlement server 100 and the service server 300.

[0014] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0015] The second store terminal device 70 is used by a franchise store (for example, the operator of the franchise store). The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, an interface 72 for franchise stores operates. The interface 72 for franchise stores may be an application for franchise stores or a browser. The interface 72 for franchise stores accepts settings of coupons and the like by the operator of the franchise store and transmits them to the settlement server 100. The second store terminal device 70 that is a smartphone has functions such as displaying a code image corresponding to a store code image or reading a code image displayed by the user terminal device 10 by executing an application for franchise stores.

[0016] The settlement server 100 realizes electronic settlement based on the settlement information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and a franchise store server. In that case, settlement information is transmitted from the POS device to the settlement server 100 via the franchise store server. In the following description, without particularly distinguishing this, it is assumed that settlement information is transmitted from the first store terminal device 50.

[0017] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic settlement. There may be two patterns, pattern 1 and pattern 2, in the electronic settlement.

[0018] In the case of Pattern 1 shown in Figure 2 (hereinafter referred to as User Scan), the user terminal device 10, with the payment application 20 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 contains information about the store URL (Uniform Resource Locator). This store URL is an electronic payment service domain to which information that can identify the store has been added, and is associated with the merchant ID and store ID, etc., at the payment server 100 (described later). The payment application 20 sends the first payment information, including the store URL and account ID, to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the merchant ID and store ID corresponding to the store URL, obtains the merchant name and store name information (S3), and sends it to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen where the merchant name and store name are displayed (S5). The user terminal device 10 then generates second payment information, including at least the payment amount, and sends it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notification (information for displaying the payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). If the store code image 60 is displayed on a display placed in the store, the store code image 60 may include payment amount information as well as the store URL. In this case, the procedure for the user to enter the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Merchant name and store name information may be included and displayed on the payment completion screen.

[0019] In the case of Pattern 2 shown in Figure 3 (hereinafter referred to as Store Scan), when the payment app 20 is launched, when a payment operation is performed in the payment app 20, when it is time for an automatic update (for example, every minute), and at other times, the payment app 20 sends a request to the payment server 100 to issue a one-time code (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image such as a QR code or barcode that was generated based on the one-time code (S14). The user holds the display surface of the user terminal device 10 over the first store terminal device 50 (presents it), and the first store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). Then, the first store terminal device 50 generates payment information including the one-time code, payment amount, merchant ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is obtained in advance by barcode scanning or manual input. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs the electronic payment (S17). The payment server 100 then sends a payment completion notification to the payment app 20 (S18), and the payment app 20 displays a payment completion screen (S19).

[0020] Furthermore, electronic payment may be performed using only one of the above patterns. Also, the "account ID" explained in Figure 2 may be other information that can be used as user identification information (for example, a phone number). In addition, the issuance of a one-time code may be omitted during store scanning, and the payment app 20 may display a code image generated based on the user's account ID. In that case, the payment server 100 will identify the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0021] [Payment Server] Figure 4 shows an example of the functional configuration of the payment server 100. The payment server 100 is used by an entity (provider) that provides electronic payment services. The payment server 100 includes, for example, a communication unit 110, a payment content provision unit 120, a payment processing unit 130, an information management unit 140, a storage unit 170, and an income gain management unit 200. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), and GPU (Graphics Processing Unit), or by the cooperation of software and hardware. The program may be stored in advance on a storage device such as an HDD (Hard Disk Drive) or flash memory (a storage device equipped with a non-transient storage medium), or it may be stored on a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed on the storage device when the storage medium is inserted into the drive device.

[0022] The storage unit 170 can be an HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may also be a NAS (Network Attached Storage) device that can be accessed by the payment server 100 via the network. The storage unit 170 stores information such as user information 172, payment content information 174, and merchant / store information 176.

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

[0024] The payment content provision unit 120, for example, has the functionality of a web server and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content provision unit 120 reads the necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 receives various inputs from the user while the content is being played by the payment application 20 and transmits the aforementioned payment information and other data to the payment server 100.

[0025] The payment processing unit 130 performs payment processing based on payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0026] Figure 5 shows an example of the contents of User Information 172. User Information 172 is an example of user registration information. User Information 172 includes, for example, user URL, account ID, telephone number, password, as well as information such as email address, user ID, name, address, date of birth, registration date, charge balance, credit payment settings, credit payment limit, credit payment amount, available credit payment amount, payment method settings, bank account, credit card number, charge history information, and payment history information. The user URL is used for money transfer processing between users. When registering for a new electronic payment service, registration of a telephone number and password is mandatory. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can set at will (or does not have to set). Similarly, the email address and name, address, and date of birth are also information that the user can set at will (or does not have to set). The registration date is the date the user registered for the electronic payment service (the date the account was created). Hereafter, the user instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance is information indicating the balance of electronic money set by the user by sending money to their account in advance. Methods of sending money include sending from an ATM (Automatic Teller Machine) of a designated provider (bank) and sending from a registered bank account. The credit payment setting indicates whether or not the user has completed the settings to enable electronic payments by credit card, and is set to either "Completed" or "Not Completed". The credit payment limit is the monthly limit for credit payments, the credit payment amount is the amount already used for credit payments in the current month, and the available credit payment amount is the amount available for credit payments in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the diagram shows only one credit payment limit, in reality there are also daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will use electronic payment with the charge balance or payment by credit card at that time. The bank account and credit card number information, respectively, refers to the bank account or credit card number (account number, card number) to which funds can be deposited into the electronic payment service. The charge history information is a record of when the user has previously sent money to the electronic payment service to increase the charge balance. The payment history information shows the details of each payment made by the user (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0028] Figure 6 shows an example of the contents of the merchant / store information 176. The merchant / store information 176 includes, for example, a first table 176A in which the merchant ID and store ID are associated with the store URL, a second table 176B in which the merchant name and sales amount (as described above) are associated with the merchant ID, and a third table 176C in which the store name is associated with the store ID. In addition to this information, the merchant / store information 176 may also include information such as the merchant or store category, the store's location, and payment patterns.

[0029] The Information Management Unit 140 manages user information 172 and affiliated store / store information 176 based on information obtained from the user terminal device 10 and the second store terminal device 70. The Information Management Unit 140 performs operations such as adding, editing, and deleting new records for user information 172 and affiliated store / store information 176.

[0030] [Electronic payment] When the payment processing unit 130 obtains payment information from the user terminal device 10 or the first store terminal device 50, it refers to the user information 172 to obtain the user's "payment method setting". For users whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance, which is managed in association with the user ID, and increasing the value of the merchant's sales proceeds item. The merchant's sales proceeds item value is not used as electronic money itself, for example, but the amount corresponding to the sales proceeds item value is transferred to the bank account in a cycle according to the agreement between the merchant and the electronic payment service. The merchant may receive the sales proceeds as electronic money. In this case, the payment server 100 manages the account (wallet) corresponding to the merchant ID, the electronic money balance of the account, and the sales proceeds history for each payment method in association.

[0031] The payment processing unit 130 performs electronic payment as follows for users whose "settings information" is set to "credit payment". Credit payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and allows electronic payment that does not depend on the charge balance within the credit limit. In order to use the credit payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The payment processing unit 130 adds the payment amount to the credit payment usage amount in the user information 172 and subtracts the above payment amount from the available credit payment amount. If the payment amount exceeds the available credit payment amount, an error notification is sent back to the payment app. The amount used by credit payment is settled, for example, in a lump sum for one month on the payment date of the following month, for example, by direct debit from a bank account. This processing is performed by the operator of the credit card company.

[0032] [Income Gain Management Service] Next, we will provide a detailed explanation of the configuration and processing related to the income gain management service.

[0033] [Income Gain Management Department] Figure 7 shows an example of the functional configuration of the income gain management unit 200. The income gain management unit 200 includes, for example, an acquisition unit 210, a display control unit 220, an estimation unit 230, an action prompting unit 240, and a storage unit 270. Components other than the storage unit 270 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted on a drive device.

[0034] The storage unit 270 can be an HDD, flash memory, RAM, etc. The storage unit 270 may also be a NAS device accessible by the income gain management unit 200 via a network. The storage unit 270 stores information such as correspondence information 272, income gain management information 274, and service management information 276. Some or all of the information stored in the storage unit 270 may be stored in the storage unit 170 described above, and some or all of the information stored in the storage unit 170 may be stored in the storage unit 270. The storage unit 170 and the storage unit 270 may be implemented with the same configuration.

[0035] Correspondence information 272 is information that associates the user ID in the service server 300 with the account ID in the electronic payment service. The user ID in the service server 300 is information used in the service server 300 as identification information for users of financial services provided by its user.

[0036] [Service Server] Figure 8 shows an example of the functional configuration of the service server 300. The service server 300 is used by an entity (provider) that provides a predetermined financial service. The financial service provided by the entity using the service server 300 is a different service from the electronic payment service provided by the entity using the settlement server 100. As a result, users of the electronic payment service are provided with an income gain management service (display of information related to income gain, etc., which will be described in detail below) related to a financial service different from the electronic payment service. The entity using the service server 300 may be a bank, insurance company, securities company, etc. If the information processing system that provides the income gain management service (see Figure 1) has multiple service servers 300, these service servers 300 may be used by different entities (providers of financial services). In other words, each service server 300 may correspond to a different financial service.

[0037] The service server 300 includes, for example, a communication unit 310, an information provision unit 320, and a storage unit 370. Components other than the communication unit 310 and the storage unit 370 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, GPU, or SOC, or by the cooperation of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transient storage medium), or it may be stored in a removable storage medium such as a DVD or CD-ROM (a non-transient storage medium) and installed in the storage device when the storage medium is mounted on a drive device.

[0038] The storage unit 370 can be an HDD, flash memory, RAM, etc. The storage unit 370 may also be a NAS device accessible by the service server 300 via a network. The storage unit 370 stores information such as asset information 372. Some or all of the information stored in the storage unit 370 may be stored in the storage units 170 and 270 described above, and some or all of the information stored in the storage units 170 and 270 may be stored in the storage unit 370.

[0039] Asset information 372 is information indicating the value of financial assets held by users of financial services provided by an entity using the service server 300, and the income gains generated therefrom. For example, asset information 372 is information where the value of financial assets and income gains are associated with each user ID on the external server 300.

[0040] The financial assets and income gains differ depending on the financial service provided by the entity using the service server 300. For example, in a financial service provided by a bank, the financial assets may be the user's deposits, and the income gains may be interest on those deposits. In a financial service provided by an insurance company, the financial assets may be the insurance products the user has contracted, and the income gains may be points or other benefits awarded to the user based on those insurance products. In a financial service provided by a securities company, the financial assets may be investment trusts, stocks, etc., held by the user, and the income gains may be distributions or dividends based on those assets. The memory unit 370 of each service server 300 stores asset information 372 that shows the value of the financial assets and the income gains corresponding to that financial service. The asset information 372 is updated, for example, whenever the value of the financial assets held by the user changes or income gains are generated.

[0041] The communication unit 310 is a communication interface for connecting to a network NW. The communication unit 310 is, for example, a network interface card.

[0042] [Overview of Income Gain Management Service] In the income gain management service according to this embodiment, the settlement server 100 (income gain management unit 200) acquires input information. The input information includes information for acquiring income gains generated based on financial assets held by the user of the electronic payment service in a predetermined financial service. Based on the input information, the settlement server 100 displays information related to the income gains generated by the user on the screen of the electronic payment service displayed on the user terminal device 10. The displayed "information related to income gains" is, for example, the value of income gains for a predetermined period in each financial service, or the sum of income gains (total value) in two or more financial services (details will be described later). This allows the user of the electronic payment service to easily check their income gains on the screen of the electronic payment service. Furthermore, by visualizing income gains in this way, users can feel that their financial assets are steadily generating profits (income gains). This allows users to feel capital gains as a concrete result of asset management, rather than just a vague feeling of having "made a profit," thereby improving user satisfaction and trust.

[0043] [Details of the Income Gain Management Service] Figure 9 is a sequence diagram showing an example of the process for displaying information related to income gain, which is executed by the user terminal device 10, the payment server 100, and the service server 300. The following will specifically describe the functional configurations and processes related to the display of information related to income gain, following this sequence diagram.

[0044] (Step S21) First, the information provision unit 320 of each service server 300 generates input information based on the asset information 372 and provides it to the settlement server 100. The acquisition unit 210 of the settlement server 100 acquires the input information provided by the information provision unit 320. The provision of input information by the information provision unit 320 (and acquisition of input information by the acquisition unit 210) may be performed, for example, whenever the asset information 372 is updated in each service server 300, or it may be performed at a predetermined interval.

[0045] The input information includes information that can identify the user (for example, the user ID on the service server 300) and information for obtaining income gains generated by the user, in a manner that is associated with each other. For example, the input information includes information on income gains generated by the user. This information is an example of "information for obtaining income gains." The input information may also include the value of financial assets (held assets) owned by the user. The acquisition unit 210 aggregates the acquired information as income gain management information 274 and stores it in the storage unit 270.

[0046] Figure 10 shows an example of the contents of the Income Gain Management Information 274. The Income Gain Management Information 274 includes, for example, a table associated with each user (account ID) of the electronic payment service. In each table, information that associates input information (assets held, income gain) provided by the Information Provision Unit 320 with date and time information is stored, associated for each financial service. For example, the Acquisition Unit 210 identifies the user (account ID) in the electronic payment service based on the user ID included in the input information provided by the Information Provision Unit 320 and the correspondence information 272. Then, the Acquisition Unit 210 adds the provided input information (assets held, income gain) to the portion of the table for the identified account ID that corresponds to the financial service (financial service for which input information was provided). Here, "date and time" in the Income Gain Management Information 274 indicates the date and time when the user's assets held and income gain are values ​​in the input information. The Acquisition Unit 210 may, for example, store the date and time information of when the input information was provided in the Income Gain Management Information 274. Alternatively, the information provision unit 320 may provide the settlement server 100 with input information including date and time information, in which case the acquisition unit 210 may store the date and time information included in the input information in the income gain management information 274.

[0047] Note that the contents of the input information and income gain management information 274 are not limited to the above example and can be changed as appropriate. For example, the input information and income gain management information 274 may include information on investment trusts that have generated distributions or investment targets (companies, etc.) that have generated dividends from stocks.

[0048] The income gain management information 274 and the user information 172 may be shared in at least part. In other words, some or all of the information contained in the income gain management information 274 may be contained in the user information 172, and some or all of the information contained in the user information 172 may be contained in the income gain management information 274.

[0049] Furthermore, the correspondence information 272 may be stored in the storage unit 370 of the service server 300 instead of (or in addition to) the storage unit 270. In this case, the service server 300 may perform a conversion process from user ID to account ID, and the input information may include the account ID.

[0050] Furthermore, the "information for obtaining income gain" included in the input information may be information about the value of financial assets held by the user, instead of (or in addition to) information about income gain incurred by the user. In this case, the acquisition unit 210 may estimate the income gain incurred by the user based on the value of the financial assets held by the user and acquire that estimated value as the income gain value. In this case, the input information may also include information used in conjunction with the information about the value of financial assets when estimating income gain (for example, information about deposit interest rates). However, a configuration that uses information about income gain incurred by the user (i.e., actual income gain values) as "information for obtaining income gain" is preferable in that it can increase the accuracy of the income gain information displayed to the user.

[0051] (Step S22) Returning to Figure 9, the user terminal device 10 requests the payment server 100 to display information related to income gain on the electronic payment service screen, in response to user operations. For example, the user terminal device 10 makes such a request in response to a predetermined operation performed by the user on the payment application 20. The "predetermined operation on the payment application 20" may be, for example, an operation to display the wallet screen. The wallet screen is a screen that shows the financial assets held by the user in the electronic payment service. The wallet screen is, for example, a screen displayed on the payment application 20.

[0052] (Step S23) Next, the display control unit 220 of the payment server 100 displays information related to income gain on the screen of the electronic payment service displayed on the user terminal device 10 that made the display request in step S22, based on the income gain management information 274. Specifically, it extracts information corresponding to the account ID of the user who made the display request in step S22 from the income gain management information 274 and displays information based on the extracted information. For example, the display control unit 220 displays such information on the wallet screen. This allows users to check their income gain every time they open the wallet screen, and is expected to improve the user's motivation and frequency of using the electronic payment service (payment app 20).

[0053] Figure 11 shows an example of an interface screen provided to the payment application 20. Interface screen IF1 is the wallet screen in the payment application 20. In the example shown, interface screen IF1 includes displays D1a and D1b. Display D1a shows the financial assets (charge balance and points) held by the user in the electronic payment service.

[0054] Here, display D1b shows information related to income gains from multiple financial services. Specifically, the "Total" column in the example diagram shows the sum of income gains from multiple (e.g., all) financial services that generated income gains for the user. In the column below, the income gains for each financial service (in the example diagram, a securities company and a bank) are displayed. By displaying the information in this way, the user can comprehensively understand the income gains generated from multiple financial services.

[0055] Furthermore, if there are income gains (points, etc.) that have units different from the currency (yen, etc.), the display control unit 220 may display information converted to the currency unit. The conversion process may be performed by the settlement server 100 or by the service server 300 by referring to a predetermined conversion rate, etc. When displaying the total value of income gains as shown in the illustrated example, the display control unit 220 may unify the units of the income gains to the currency unit through the above conversion process and then display the total value.

[0056] Display D1b includes a button B1 for transitioning to the interface screen IF2. When the user operates on button B1, the display control unit 220 transitions the payment application 20 screen to the interface screen IF2. In the illustrated example, the interface screen IF2 includes displays D2a, D2b, and D2c. Display D2a is a display corresponding to the total value in display D1b and corresponds to the "summary display" which includes information about the overview of income gains. Display D2b is a display showing the history of income gains earned by the user, and in the illustrated example, the income gains for the two most recent transactions are displayed. Display D2c corresponds to the "call to action display" which encourages the user to take action to obtain more income gains in each financial service. Details of the call to action display will be described later.

[0057] Display D2a, which serves as an overview, includes a button B2a for transitioning to the interface screen IF3. When the user presses button B2a, the display control unit 220 transitions the payment application 20 screen to the interface screen IF3. Interface screen IF3 corresponds to a "detailed display" that contains more detailed information about income gain than the overview display (display D2a). By displaying income gain information hierarchically in this way, it becomes easier for users to grasp the information about their income gain.

[0058] Specifically, the interface screen IF3 in the illustrated example includes displays D3a and D3b. Display D3a is a display (a pull-down display in the illustrated example) for narrowing down the period and financial services of income gain to be displayed on the interface screen IF3. Display D3b displays the details of the income gain for the period and financial services narrowed down in display D3a. The display control unit 220 extracts information corresponding to the period and financial services narrowed down in display D3a from the income gain management information 274 and displays display D3b based on the extracted information. In the illustrated example, display D3a shows the breakdown of distributions and dividends for each company as details of the income gain generated at the securities company. Although detailed illustrations are omitted, for example, if an insurance company is specified in display D3a, display D3b may show the breakdown of points for each insurance product, etc.

[0059] Furthermore, display D2b on interface screen IF2 includes a button B2b for transitioning to interface screen IF4. When the user operates on button B2b, the display control unit 220 transitions the payment application 20 screen to interface screen IF4. In the illustrated example, interface screen IF4 includes displays D4a, D4b, and D4c. Display D4a is a display (a pull-down display in the illustrated example) for specifying the period (months in the illustrated example) of the calendar to be displayed in display D4b. Display D4b is a display showing the calendar for the period specified in display D4a. In display D4b, each date included in the calendar can be selected by the user. Display D4c displays the income gain corresponding to the date selected by the user in display D4b. The display control unit 220 extracts information corresponding to the date selected in display D4b from the income gain management information 274 and displays display D4c based on the extracted information. By displaying income gains in this way, corresponding to a calendar, it becomes easier for users to understand their income gains at each point in time.

[0060] The contents of interface screens IF1 to IF4 described above are examples, and the contents of the screens that the display control unit 220 displays on the user terminal device 10 can be changed as appropriate. For example, the display control unit 220 may display the income gain values ​​for each financial service in a graph format such as a bar graph or pie chart. The display control unit 220 may also display information on capital gains related to financial assets held by the user (for example, changes in the asset valuation of stocks held by the user) on the electronic payment service screens such as interface screens IF1 to IF4. The display control unit 220 may also display indicators (buttons, etc.) on the electronic payment service screens such as interface screens IF1 to IF4 for transitioning to interfaces provided by each financial service (for example, websites or mini-applications).

[0061] [Display increment] The display control unit 220 may display the increment in income gains earned by the user on the user terminal device 10. For example, the display control unit 220 may display the increment in income gains, based on the time the user last logged into the electronic payment service (the time the payment app 20 was last launched), on the screen of the payment app 20 using a pop-up or the like. Such a display may only be made when an increment in income gains has occurred. In addition, the display of the increment in income gains may be made outside of the payment app 20 (for example, via push notification or email) instead of on the screen of the payment app 20 (or in addition to). Displaying the increment in income gains on the user terminal device 10 can increase the user's motivation to take actions that will lead to more income gains (for example, increasing their deposit amount or investing in new stocks).

[0062] [Display Estimated Values] In the income gain management service according to this embodiment, the income gain to be generated in the future for the user may be estimated, and information based on the estimation may be displayed on the user terminal device 10. Specifically, the estimation unit 230 of the settlement server 100 may estimate the income gain to be generated in the future for the user based on the input information (income gain management information 274). For example, the estimation unit 230 may estimate the user's future deposit balance (value of financial assets) at a predetermined bank based on the income gain management information 274, and estimate the interest (income gain) to be generated in the future based on the estimated deposit balance. The display control unit 220 may also estimate future distributions and dividends based on information on investment trusts, stocks, etc., currently held by the user. The display control unit 220 may then display information related to the estimated future income gain on the user terminal device 10. For example, when a future period is specified in the interface screens IF3, IF4, etc., the display control unit 220 may display the estimated value of the income gain for the corresponding future period. Such estimation-based displays may be made outside of the payment app 20 (for example, via push notifications or email) rather than on the payment app 20 screen (or in addition to the payment app 20 screen). By displaying estimated future income gain information on the user terminal device 10, it is possible to increase the user's motivation to take actions that will allow them to acquire more income gain in the future.

[0063] [Call to action display] In the income gain management service according to this embodiment, the user terminal device 10 may be provided with action prompts that encourage users to take actions to acquire more income gains in financial services (for example, increasing deposits, investing in new stocks, receiving interest in points, etc.). This makes it easier to increase the amount of income gains that users can obtain. Specifically, the action prompting unit 240 of the settlement server 100 may provide action prompts to the user terminal device 10 based on input information and service information provided by the financial service.

[0064] Figure 12 is a sequence diagram showing an example of the process related to providing action-calling displays, which is executed by the user terminal device 10, the payment server 100, and the service server 300. The following will specifically describe the functional configurations and processes related to providing action-calling displays, following this sequence diagram.

[0065] (Step S31) First, the acquisition unit 210 of the settlement server 100 acquires service information provided by the financial service through the information provision unit 320 of the service server 300. Here, the service information is information relating to services that the financial service provides to users that increase the amount of income gain earned. The service information acquired by the acquisition unit 210 may include, for example, display provision conditions, which are the conditions for users who will be guided to the service (i.e., who will be the target of the call to action display), target conditions, which are the conditions for users who will be eligible for the service, and information such as the benefits (increase in the amount of income gain earned) provided to users who meet the target conditions. The content of the display provision conditions, target conditions, and benefits is at the discretion of the financial service. The acquisition unit 210 aggregates the acquired service information as service management information 276 and stores it in the storage unit 270. The service management information 276 is, for example, information that associates the above service information with identification information that can identify the financial service.

[0066] (Step S32) Next, the call prompting unit 240 of the payment server 100 selects users to whom a call prompting display is to be provided, based on the input information (income gain management information 274) and the service information acquired in step S31. For example, the call prompting unit 240 refers to the income gain management information 274 to select users who meet the display provision conditions included in the service information (for example, the deposit balance (value of financial assets) at a designated bank is above a designated threshold, etc.).

[0067] (Step S33) Next, the call-to-action unit 240 of the payment server 100 provides a call-to-action display to the user terminal device 10 used by the selected user. Displays C2a and C2b, included in display D2c shown in Figure 11, are examples of such call-to-action displays. As shown in the example in the figure, displays C2a and C2b as call-to-action displays may include information about the benefits provided to the user (increase in the amount of income gain earned), such as "interest rate increases by WW%" and "VVpt gift," as well as information about the actions the user should take to enjoy those benefits (i.e., information related to the target conditions), such as "receive interest in points" and "invest in JJ Company." If a financial service (bank) provides a deposit service in which the interest rate increases in stages according to the deposit balance (also called a step-up deposit service), a call-to-action display may be shown that visually shows the difference between the current deposit balance and the deposit balance to which the next interest rate applies (also called a difference display). The difference display may include, for example, a bar displayed with a length corresponding to the deposit balance or the difference, or the actual numerical value of the deposit balance or the difference. The specific content of the call to action display may be generated by the payment server 100 based on the service information, or may be included in the service information.

[0068] The call to action display may be configured to transition the display on the user terminal device 10 to a screen where, when operated by the user, the user can take action to fulfill the above target conditions and obtain the above benefits (actions that allow the user to obtain more income gain). For example, each of the displays C2a and C2b shown in Figure 11 may be configured to transition the display on the user terminal device 10 to an interface (website, mini-app, etc.) provided by the corresponding financial service when they are operated. For example, the difference display described above may be configured to transition the display on the user terminal device 10 to a deposit screen for making a deposit to that financial service (bank) when it is pressed.

[0069] (Step S34) In this case, when a user operates display C2a or display C2b on the payment app 20, the user terminal device 10 (payment app 20) activates the interface and accesses the service server 300 used by the corresponding financial service. Upon receiving access from the user terminal device 10, the service server 300 provides the user terminal device 10 with a display for performing the above action. Subsequently, the user completes the action necessary to enjoy the above benefits (for example, changing the method of receiving interest to points) by performing a predetermined operation on the display. With this configuration, the user can be provided with a series of steps from the presentation of opportunities to increase income gain to the actual action, and the likelihood of the user taking action to increase income gain can be increased.

[0070] Here, the action prompting unit 240 may, based on the input information of a first financial service included in a plurality of financial services from which the acquisition unit 210 acquires input information, provide the user terminal device 10 with an action prompting display that prompts the user to take action to acquire more income gain in a second financial service that is included in the plurality of financial services but is different from the first financial service. In other words, the financial service in which an increase in income gain occurs when the user takes the action suggested by the action prompting display and the financial service corresponding to the display provision conditions related to that action prompting display may be different. For example, the acquisition unit 210 may acquire service information from securities company B that states that it will provide an action prompting display to users who meet the display provision condition of "deposit balance at bank A is above a predetermined threshold" with the content "a predetermined number of points will be awarded if investments exceed a predetermined threshold at securities company B". Then, the action prompting unit 240 may select users who meet such display provision conditions by referring to the portion of the input information (income gain management information 274) related to bank A, and provide the selected users with an action prompting display that increases their income gain at securities company B. This increases the flexibility in providing action-oriented displays.

[0071] Furthermore, the provision of the action-calling displays described above may be done outside of the payment app 20 (for example, via push notifications or email) instead of on the payment app 20 screen (or in addition to the payment app 20 screen).

[0072] [Support for filing tax returns] In the income gain management service according to this embodiment, assistance may be provided to the user when inputting information during tax filing. For example, the settlement server 100 may have a function to aggregate, display and / or output the profits (income gains and capital gains) generated by the user in a format usable for tax filing (for example, by year).

[0073] [Differentiation] In the embodiments described above, the display of information related to income gain was performed in the payment application 20 of the electronic payment service, but this is not limited to this. For example, if the screen of the electronic payment service is provided in a browser, the display of information related to income gain may be performed in the browser.

[0074] Furthermore, if the electronic payment service provides financial assets that can generate income gains, information relating to such income gains may also be displayed on the user terminal device 10 in the same manner as in the above embodiment. In other words, the "specified financial service" may be an electronic payment service. In this case, information relating to financial assets provided by the electronic payment service and the income gains generated therefrom may be stored in the storage units 170 and 270 of the payment server 100, and the acquisition unit 210 may acquire the above-described input information by referring to the storage units 170 and 270. Also, in cases where services relating to income gains generated in financial services other than electronic payment services are not provided, the information processing system (see Figure 1) that provides the income gain management service does not need to have a service server 300.

[0075] [Summary] According to the embodiment described above, the payment server 100 (an example of an information processing device) includes an acquisition unit 210 that acquires input information including information for obtaining income gains generated based on financial assets held by a user of an electronic payment service in a predetermined financial service, and a display control unit 220 that displays information related to income gains generated by the user on the screen of the electronic payment service displayed on the user terminal device 10 used by the user, based on the input information. This makes it easy for users of the electronic payment service to check their income gains.

[0076] Although embodiments for carrying out the present invention have been described above using examples, the present invention is not limited in any way to these embodiments, and various modifications and substitutions can be made without departing from the spirit of the invention. Furthermore, the above embodiments may be combined as appropriate. [Explanation of Symbols]

[0077] 10...User terminal device 100... Payment Server 210…Acquisition Department 220...Display Control Unit 230...Estimation part 240…Call-to-action department

Claims

1. An acquisition unit that acquires input information including information for obtaining income gains generated based on financial assets held by users of an electronic payment service in a specified financial service, A display control unit that, based on the input information, displays information including the value of the income gain generated for the user on the screen of the electronic payment service displayed on the user terminal device used by the user, The system includes an action prompting unit that provides the user terminal device with an action prompting display that encourages the user to take action to obtain more income gain in the financial service, based on the input information and the service information provided by the financial service. The information for obtaining the income gain includes the information on the income gain generated by the user. The service information includes the eligibility conditions, which are the conditions for the user who is eligible for the service provided by the financial service that increases the amount of income gains earned. The aforementioned call to action display is information associated with the aforementioned target conditions, The aforementioned action is an action performed by the user in order to satisfy the aforementioned target conditions, as prompted by the aforementioned action prompting display. The aforementioned call to action display includes a display of the action that the user should take in order to satisfy the aforementioned target conditions. Information processing device.

2. The service information includes information on a deposit service provided by the financial service in which the interest rate, which is the income gain, increases in stages according to the deposit balance, which is the financial asset, The aforementioned action includes an increase in the deposit balance, The aforementioned call to action display includes a visual representation showing the difference between the current deposit balance and the deposit balance to which a higher interest rate applies. The information processing apparatus according to claim 1.

3. The aforementioned financial service is a service different from the aforementioned electronic payment service. The information processing apparatus according to claim 1 or 2.

4. The display control unit causes the screen showing the financial assets held by the user in the electronic payment service to display information including the income gain value. The information processing apparatus according to claim 1 or 2.

5. The acquisition unit acquires the input information for a plurality of financial services, The display control unit causes the electronic payment service screen to display information including the income gain values ​​of the multiple financial services based on the input information of the multiple financial services. The information processing apparatus according to claim 1 or 2.

6. The display control unit causes the screen of the electronic payment service to display the total income gains from the multiple financial services. The information processing apparatus according to claim 5.

7. The display control unit causes the income gain to be displayed on the screen of the electronic payment service for each financial service. The information processing apparatus according to claim 5.

8. The display control unit causes the screen to display an overview display including information about the income gain overview, If an operation is performed on the summary display, the display control unit will display a detailed display containing more detailed information about the income gain than the summary display. The information processing apparatus according to claim 1 or 2.

9. The display control unit displays the income gain on the screen of the electronic payment service in association with a calendar. The information processing apparatus according to claim 1 or 2.

10. The display control unit causes the user terminal device to display the increment of the income gain generated for the user. The information processing apparatus according to claim 1 or 2.

11. The system further includes an estimation unit that estimates the income gain that will be incurred by the user in the future based on the input information. The display control unit causes the user terminal device to display information including the estimated future income gain value. The information processing apparatus according to claim 1 or 2.

12. The action prompting unit provides the user terminal device with the action prompting display, which transitions the display on the user terminal device to a screen that accepts the execution of the action by the user when the user performs an operation. The information processing apparatus according to claim 1 or 2.

13. The acquisition unit acquires the input information for a plurality of financial services, The action prompting unit provides the user terminal device with an action prompting display that prompts the user to take action to obtain more income gain in a second financial service, which is included in the plurality of financial services but is different from the first financial service, based on the input information of the first financial service included in the plurality of financial services. The information processing apparatus according to claim 1 or 2.

14. Computers The system acquires input information that includes information for obtaining income gains generated based on financial assets held by users of electronic payment services in specified financial services. Based on the input information, the screen of the electronic payment service displayed on the user terminal device used by the user displays information including the value of the income gain incurred by the user. Based on the input information and the service information provided by the financial service, the user terminal device is provided with an action prompt display that encourages the user to take action to obtain more of the income gain in the financial service. The information for obtaining the income gain includes the information on the income gain generated by the user. The service information includes the eligibility conditions, which are the conditions for the user who is eligible for the service provided by the financial service that increases the amount of income gains earned. The aforementioned call to action display is information associated with the aforementioned target conditions, The aforementioned action is an action performed by the user in order to satisfy the aforementioned target conditions, as prompted by the aforementioned action prompting display. The aforementioned call to action display includes a display of the action that the user should take in order to satisfy the aforementioned target conditions. Information processing methods.

15. On the computer, The system obtains input information that includes information for users of electronic payment services to acquire income gains generated based on financial assets they hold in a specified financial service. Based on the input information, the screen of the electronic payment service displayed on the user terminal device used by the user displays information including the value of the income gain incurred by the user. Based on the input information and the service information provided by the financial service, the user terminal device is provided with an action prompt display that encourages the user to take action to obtain more of the income gain in the financial service. The information for obtaining the income gain includes the information on the income gain generated by the user. The service information includes the eligibility conditions, which are the conditions for the user who is eligible for the service provided by the financial service that increases the amount of income gains earned. The aforementioned call to action display is information associated with the aforementioned target conditions, The aforementioned action is an action performed by the user in order to satisfy the aforementioned target conditions, as prompted by the aforementioned action prompting display. The aforementioned call to action display includes a display of the action that the user should take in order to satisfy the aforementioned target conditions. program.

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