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

Abstract

To improve the usability of electronic payment services. [Solution] The information processing device according to the present invention comprises an acquisition unit, a management unit, and a provision unit. The acquisition unit acquires image data of an insurance certificate taken by a user through a predetermined user interface displayed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using an identification code. The management unit centrally manages the insurance information extracted from the image data together with the information of registered insurance policies, thereby managing it as information on insurance policies currently held by the user. The provision unit provides the information on insurance policies to the user by transmitting it to the terminal device in response to a request from the user.

Description

Technical Field

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

Background Art

[0002] Conventionally, an electronic payment service that provides an environment for electronic payment (also referred to as "code payment") for paying the price of a product or service to be traded using an identification code such as a two-dimensional code is known (see, for example, Patent Document 1). In this electronic payment service, services other than electronic payment such as bank transactions and financial transactions are also provided.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, there is still room for improvement in the above conventional technology in terms of improving the usability of the electronic payment service.

[0005] The present application has been made in view of the above, and an object thereof is to provide an information processing apparatus, an information processing method, and an information processing program capable of improving the usability of an electronic payment service.

Means for Solving the Problems

[0006] The information processing device according to this application comprises an acquisition unit, a management unit, and a provision unit. The acquisition unit acquires image data of an insurance certificate taken by a user through a predetermined user interface displayed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using an identification code. The management unit centrally manages the insurance information extracted from the image data together with the information of registered insurance policies, thereby providing the user with a unified record of the insurance policies they currently have. The provision unit provides the user with the information of their insurance policies by transmitting it to the terminal device in response to a request from the user. [Effects of the Invention]

[0007] According to one embodiment, the usability of electronic payment services can be improved. [Brief explanation of the drawing]

[0008] [Figure 1] Figure 1 is a diagram illustrating the overview of the information processing (part 1) according to the embodiment. [Figure 2] Figure 2 shows an example of the display screen of the insurance mini-app when recording an insurance certificate according to the embodiment. [Figure 3] Figure 3 is a diagram illustrating the overview of the information processing (part 2) according to the embodiment. [Figure 4] Figure 4 shows an example of the display screen of the insurance mini-app when performing a claim diagnosis according to the embodiment. [Figure 5] Figure 5 shows an example of the configuration of an information processing system according to the embodiment. [Figure 6] Figure 6 shows an example of the configuration of an information processing device according to the embodiment. [Figure 7] Figure 7 is a diagram showing an overview of the insurance information stored in the insurance information storage unit according to this embodiment. [Figure 8] Figure 8 is a diagram showing an overview of the information on the determination conditions stored in the determination condition storage unit according to the embodiment. [Figure 9]Figure 9 is a flowchart showing an example of the processing procedure of information processing (part 1) performed by the information processing device according to the embodiment. [Figure 10] Figure 10 is a flowchart showing an example of the processing procedure for information processing (part 2) performed by the information processing device according to the embodiment. [Figure 11] Figure 11 is a hardware configuration diagram showing an example of a computer that implements the functions of an information processing device according to an embodiment or modified example. [Modes for carrying out the invention]

[0009] The following describes in detail, with reference to the drawings, the embodiments for implementing the information processing apparatus, information processing method, and information processing program according to the present application (hereinafter referred to as "embodiments"). Note that these embodiments do not limit the information processing apparatus, information processing method, and information processing program. Furthermore, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant descriptions are omitted.

[0010] [Embodiment] [1. Overview of Information Processing Based on the Embodiment] (1-1. Overview of Information Processing (Part 1) According to the Embodiment) The following describes the outline of the information processing according to the embodiment, with reference to the drawings. First, using Figure 1, the outline of information processing (part 1) for providing information about the insurance that user U of an electronic payment service, which provides an environment for using electronic payment using an identification code (hereinafter referred to as "code payment" as appropriate), has subscribed to, will be described. Figure 1 is a diagram illustrating the outline of information processing (part 1) according to the embodiment.

[0011] The information processing (Part 1) according to the embodiment is realized by an information processing system SYS (for example, refer to FIG. 5) including a plurality of terminal devices 10 such as the terminal device 10-1, the terminal device 10-2, and the terminal device 10-3 shown in FIG. 1, and the information processing device 100 shown in FIG. 1. The plurality of terminal devices 10 and the information processing device 100 are each connected to a network N (for example, refer to FIG. 5) by wire or wirelessly. The plurality of terminal devices 10 and the information processing device 100 can communicate with other devices through the network N. In the following description, when there is no need to particularly distinguish and describe the terminal devices 10-1 to 10-3 shown in FIG. 1, they will be collectively described as "terminal device 10".

[0012] The terminal device 10-1 shown in FIG. 1 is used by the user U-1 of an electronic payment service that provides an environment for code-based payment. The terminal device 10-2 shown in FIG. 1 is used by the user U-2 of an electronic payment service that provides an environment for code-based payment. The terminal device 10-3 shown in FIG. 1 is used by the user U-3 of an electronic payment service that provides an environment for code-based payment. In the following description, when there is no need to particularly distinguish and describe the users U-1 to U-3 of the electronic payment service, they will be collectively described as "user U".

[0013] The terminal device 10 is pre-installed with a payment application, which is an application program for various functions for performing code-based payment. In addition, an insurance mini-application, which is a subordinate application program operating on the terminal device 10 based on the payment application, is added to the payment application pre-installed on the terminal device 10.

[0014] The information processing device 100 shown in FIG. 1 executes various processes related to code-based payment. The information processing device 100 is operated and managed by a service provider that operates an electronic payment service. In addition, the information processing device 100 executes the information processing (Part 1) according to the embodiment.

[0015] For example, user U-1 activates the insurance mini app and performs an operation to display a list of the insurance policies that user U-1 is currently subscribed to. In response to the operation by user U-1, terminal device 10-1 sends a display request for the information of the subscribed insurance policies to information processing device 100 (step S01).

[0016] When information processing device 100 receives the display request for the information of the subscribed insurance policies from terminal device 10-1, it acquires the information of the subscribed insurance policies corresponding to user U-1 (step S02). Then, information processing device 100 provides the acquired information of the subscribed insurance policies to user U-1 by sending it to terminal device 10-1 (step S03).

[0017] Terminal device 10-1 displays the information of the subscribed insurance policies received from information processing device 100 on the screen of the insurance mini app as information indicating the list of the insurance policies that user U-1 is currently subscribed to.

[0018] Also, user U can register the information of the insurance policies they are subscribed to in the insurance mini app. For example, user U-2 operates terminal device 10-2 to take a photo of the insurance certificate to be registered. Terminal device 10-2 sends the image data of the insurance certificate to information processing device 100 (step S11A).

[0019] Information processing device 100 acquires the image data sent from terminal device 10-2 (step S12A). Then, information processing device 100 extracts the information of the insurance policies from the acquired image data, associates the extracted information of the insurance policies with the user ID of user U-2 together with the information of the registered insurance policies, and records them (step S13A), and performs unified management as the information of the subscribed insurance policies that user U-2 is currently subscribed to. The user ID is identification information for identifying user U-2 in the electronic payment service.

[0020] Furthermore, the information processing device 100 acquires an insurance management request transmitted from the terminal device 10-3 (step S11B). An insurance management request is generated, for example, when user U-3 launches an insurance mini-app and performs an operation to request centralized management of information on subscribed insurance. The insurance management request stores a user ID, which is identification information used to identify user U-3 in the electronic payment service.

[0021] Furthermore, the information processing device 100 cooperates with the insurance information management API (Application Programming Interface) of the insurance service provider device 200, a partner that provides insurance-related services, and transmits the user ID of user U-3, whose insurance information is to be acquired (step S12B). Here, if the user ID in the electronic payment service is identification information shared in the insurance-related service, the information processing device 100 transmits the user ID in the electronic payment service as is. If the user ID in the electronic payment service is not identification information shared in the insurance-related service, the information processing device 100 can convert the user ID to a common ID shared by the insurance service provider device 200 and transmit the converted common ID. Also, if the insurance service provider device 200 manages a database for ID conversion, the information processing device 100 may transmit the user ID in the electronic payment service as is.

[0022] Furthermore, the information processing device 100 acquires insurance information transmitted from the insurance service provider 200 (step S13B). The information processing device 100 then records the acquired insurance information in association with the user ID of user U-3 (step S14B) and centrally manages it as information on the insurance policies that user U-3 currently has. If there is registered insurance information for user U-3, the information processing device 100 records the insurance information acquired from the insurance service provider 200 together with the registered insurance information.

[0023] Furthermore, the information processing device 100 records the insurance information extracted from the image data using the same data format as the data format used to record the registered insurance information. In other words, the information processing device 100 can record and manage information from insurance certificates issued by multiple different insurance companies in a common format.

[0024] Figure 2 shows an example of the display screen of the insurance mini-app when recording an insurance certificate (also called an "insurance policy") according to the embodiment. As shown in Figure 2, the terminal device 10 displays the Insurance List screen G-1, which contains a list of information on the insurance policies that user U currently has, in accordance with user U's operation. The Insurance List screen G-1 displays an image of a pie chart showing the list of insurance policies, as well as information on each insurance policy individually. The Insurance List screen G-1 also includes an icon B-1 for displaying the top screen of the insurance mini-app, a button B-2 for taking a picture of the insurance certificate, and a button B-3 for performing an insurance claim diagnosis.

[0025] When terminal device 10 detects an operation on button B-2, it accesses the camera installed in terminal device 10 in accordance with instructions from the insurance mini-app and displays a shooting guide screen G-2 linked to the camera's image capture function. User U takes a picture of the insurance certificate by focusing on the insurance certificate to be registered so that it fits within the designated frame on shooting guide screen G-2, and then pressing the shutter button, following the instructions displayed on the shooting guide screen G-2. Upon taking a picture of the insurance certificate, terminal device 10 acquires the image data of the captured insurance certificate and transmits the acquired image data to the information processing device 100.

[0026] As described above, the information processing device 100 according to this embodiment can centrally manage information on insurance policies that user U has, and provide insurance information in response to user U's requests through an insurance mini-app. This allows the information processing device 100 to provide an environment in which user U can easily view insurance information, thereby improving the usability of viewing insurance information.

[0027] Furthermore, the information processing device 100 according to this embodiment records and manages information on insurance certificates issued by multiple different insurance companies in a common format. As a result, the information processing device 100 can digitize and manage the insurance certificates of the insurance policies that user U is subscribed to, and even if the format of the insurance certificates differs for each insurance company, it can display them in a similar manner through the insurance mini-app. Thus, the information processing device 100 can improve the usability of user U regarding the management of insurance information, as well as further improve the usability of viewing insurance information.

[0028] (1-2. Overview of Information Processing According to the Embodiment (Part 2)) The following outline of information processing (part 2) for providing user U with information indicating whether or not user U's situation may be covered by the insurance policy user U has already taken out will be explained using Figure 3. Figure 3 is a diagram illustrating the outline of information processing (part 2) according to the embodiment.

[0029] For example, user U-1 performs an operation through the insurance mini-app to request information indicating whether user U-1's situation may be covered by their existing insurance. That is, user U-1 performs an operation to request information indicating whether they may be able to claim benefits or insurance payments for events such as a vehicle breakdown or medical treatment for an illness. At this time, user U-1 selects the insurance policy to be examined from their existing insurance policies.

[0030] In response to user U-1's actions, terminal device 10-1 sends a claim diagnosis request to information processing device 100 to request information indicating whether user U-1's situation may be covered by the insurance policy they have subscribed to (step S21).

[0031] When the information processing device 100 receives a claim diagnosis request from the terminal device 10-1, it provides the user U-1 with diagnostic content (an example of "predetermined content") containing simple questions to identify the user U-1's situation by transmitting it to the terminal device 10-1 (step S22). At this time, the information processing device 100 selects diagnostic content corresponding to the insurance selected by the user U-1 and provides it to the user U-1.

[0032] When terminal device 10-1 receives diagnostic content from information processing device 100, it displays the received diagnostic content on the screen of the insurance mini-app. User U-1 views the diagnostic content displayed on the screen of the insurance mini-app and answers the questions contained in the diagnostic content. Terminal device 10-1 transmits the results of user U-1's answers to the questions contained in the diagnostic content to the information processing device 100 (step S23).

[0033] When the information processing device 100 receives the response result from user U-1 from terminal device 10-1, it performs a claim determination (step S24). Specifically, the information processing device 100 determines, based on the response result from user U-1 and a pre-configured rule base, whether or not user U-1's situation may be eligible for insurance benefits selected by user U-1.

[0034] Then, the information processing device 100 derives a determination result regarding whether or not the user U-1's situation may be eligible for insurance benefits selected by the user U-1, and provides the information of the diagnosis result based on the determination result to the terminal device 10-1 (step S25).

[0035] Furthermore, if the information processing device 100 determines that user U-1's condition may be eligible for insurance benefits selected by user U-1, it may provide user U-1 with inquiry information tailored to user U-1 to ask whether or not they wish to proceed with the insurance benefit claim procedure when providing the diagnostic result information to user U-1. If the information processing device 100 receives a response from user U-1 indicating that they wish to proceed with the insurance benefit procedure, it may send notification information to the insurance service provider device 200 that processes the relevant insurance, informing it that user U-1 wishes to proceed with the insurance benefit procedure.

[0036] Figure 4 shows an example of the display screen of the insurance mini-application when performing a claim diagnosis according to the embodiment. The terminal device 10 displays the list of subscribed insurances screen G-1 shown in Figure 4 in response to the user U's operation. Furthermore, after the user U selects the insurance to be diagnosed from the list of subscribed insurances, if the button B-3 for performing an insurance claim diagnosis is pressed, the terminal device 10 sends a claim diagnosis request to the information processing device 100 along with the information of the selected insurance.

[0037] Then, in response to a claim diagnosis request, the diagnostic content transmitted from the information processing device 100 is displayed on the diagnostic screen G-3 of the terminal device 10. The diagnostic content displayed on the diagnostic screen G-3 corresponds to the type of insurance selected by the user U, and includes simple questions to identify the user U's situation in order to determine whether or not they are eligible for benefits under the insurance selected by the user U. For example, in the case of medical insurance, questions may be included to identify whether it is an illness or an injury, to identify whether or not hospitalization or surgery has been performed, and to identify the name of the disease.

[0038] The information processing device 100 determines whether the situation of user U, identified by the user's answers to the questions in the diagnostic content displayed on the diagnostic screen G-3, is likely to be covered by the insurance selected by user U, based on the user's answers and a pre-set rule base, and provides user U with information based on the determination result as a diagnostic result. For example, based on the determination result, the information processing device 100 can select one of three levels of information as a diagnostic result: there is a high probability of being covered, there is a possibility of being covered, or there is no possibility of being covered.

[0039] Thus, the information processing device 100 according to this embodiment can provide user U with information indicating whether or not user U's situation may be eligible for benefits under the insurance policy they have purchased. This allows the information processing device 100 to improve the usability of insurance use.

[0040] [2. Regarding payment using terminal device 10] The following describes an example of electronic payment processing performed using terminal device 10. The following description explains code-based payments using, for example, a two-dimensional code (QR code®) placed in a designated store, which may include a store identification code indicating store identification information for identifying the designated store, or a user identification code indicating user identification information for identifying the service user (for example, user U shown in Figure 1). Code-based payments performed using terminal device 10 are also referred to as "smartphone payments" when terminal device 10 is a smartphone.

[0041] Furthermore, the code payment method described below is applicable even when any user U uses any terminal device 10 to make a payment at any store. The two-dimensional code indicating store identification information may be a QR code, a barcode, a designated mark, a number, etc. Also, the two-dimensional code is not limited to being physically constructed from printed material on a medium such as paper, but may also be constructed from image information displayed on any terminal.

[0042] The following describes user-scan payment, a type of code payment where the user U takes the lead. User-scan payment is a code payment method in which the user U takes the lead by scanning a 2D code installed at a designated store.

[0043] For example, when user U makes a payment for purchasing or using various goods or services at a designated store, user U launches a payment app pre-installed on the terminal device 10 to use code payment. User U can then use various functions related to code payment through the payment app.

[0044] The user U then uses a payment app to scan a 2D code installed at a designated store. In this case, the terminal device 10 displays a screen for entering the price of the transaction and accepts the payment amount from either the user U or a store employee at the designated store. The terminal device 10 also transmits transaction information, including user identification information that identifies the user U, store identification information (or information indicated by the store identification information, i.e., information indicating the designated store (for example, store ID)), and the payment amount, to the information processing device 100 (see, for example, Figure 1) according to the user U's operation.

[0045] When the information processing device 100 receives transaction information from the terminal device 10, it transfers electronic money equivalent to the settlement amount from the account of user U, indicated by the user identification information, to the account of the designated store, indicated by the store identification information. At this time, the information processing device 100 may deduct a predetermined fee to be charged to the designated store from the electronic money equivalent to the settlement amount before transferring it to the designated store's account.

[0046] The information processing device 100 then sends a notification to the terminal device 10 indicating that the transaction has been completed. In this case, the terminal device 10 notifies the user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed. Alternatively, the information processing device 100 may withdraw an amount of electronic money equivalent to the settlement amount from the user U's account indicated by the user identification information, manage it as sales information for a designated store, and transfer an amount of cash equivalent to the sales to a bank account held by the designated store at a predetermined time. In this case, the information processing device 100 may notify the user U that the electronic money transaction has been completed at the time the amount of electronic money equivalent to the settlement amount has been withdrawn from the user U's account.

[0047] Next, we will explain store scan payment, a type of code payment where the designated store takes the lead. Store scan payment is a payment method where the user U displays a 2D code indicating user identification information on the payment app screen and presents it to the store, and the store reads the 2D code presented by the user U with its store terminal, thus the store takes the lead in the payment process.

[0048] Specifically, first, the terminal device 10 displays code information on its screen that indicates user identification information for identifying user U. In such a case, the store terminal reads the user identification information from the code information displayed on the terminal device 10 and transmits transaction information to the information processing device 100, which includes the read user identification information (or the information indicated by the user identification information, i.e., information indicating user U (for example, user ID)), the payment amount, and information identifying a designated store.

[0049] When the information processing device 100 receives transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from the account of user U, indicated by the user identification information, to the designated store's account. The information processing device 100 then sends a notification to the store terminal or terminal device 10 that the transaction has been completed. The store terminal or terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed.

[0050] Alternatively, the information processing device 100 may withdraw an amount of electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage it as sales information for a designated store, and transfer an amount of cash equivalent to the sales to a bank account held by the designated store at a predetermined time. In this case, the information processing device 100 may notify the store clerk or user U that the electronic money transaction has been completed at the time the amount of electronic money equivalent to the payment amount has been withdrawn from user U's account.

[0051] Furthermore, payment using the terminal device 10 may involve not only transferring electronic money from an account where user U has pre-charged electronic money to the designated store's account, but also, for example, payment using a credit card that user U has registered in advance. In such a case, for example, the terminal device 10 may transfer the amount of electronic money indicated by the payment amount to the designated store's account and also bill the credit card company of user U for the amount indicated by the payment amount.

[0052] Furthermore, the payment using the terminal device 10 may not only involve transferring electronic money from user U's account to the account of a designated store, but may also involve transferring electronic money from user U's account to another user's account (i.e., a transfer between users). For example, the terminal device 10 used by user U, the sender, reads user identification information that identifies the recipient user (for example, user identification information displayed on the terminal device 10 used by the recipient user), accepts input of the transfer amount from user U, and transmits the read identification information, the transfer amount, and information indicating user identification information that identifies user U to the information processing device 100. In such a case, the information processing device 100 transfers the amount of electronic money indicated by the transfer amount from user U's account to the recipient user's account, and may notify the terminal device 10 or the terminal device 10 used by the recipient user that the transfer has been completed by displaying a screen or a predetermined sound indicating that the transfer has been completed.

[0053] It should be noted that the transfer of funds using the terminal device 10 is not limited to the process described above. For example, a transfer of funds using the terminal device 10 may be performed by inputting the recipient user's phone number or information identifying the recipient user (for example, a user ID) into the terminal device 10. To give a specific example, the terminal device 10 receives input from user U, including the recipient user's phone number or user ID and the transfer amount, and transmits the entered phone number or user ID, the transfer amount, and user identification information identifying user U to the information processing device 100. The information processing device 100 then transfers the amount of electronic money indicated by the transfer amount from user U's account to the user's account linked to the transmitted phone number or user ID.

[0054] Here, the recipient user's phone number or user ID may be pre-registered in the payment app in conjunction with information about that user. In this case, the terminal device 10 receives from user U the specification of a user (recipient) registered in the payment app and the input of the amount to be sent to that user, and transmits the phone number or user ID associated with the specified user, the amount to be sent, and user identification information that identifies user U to the information processing device 100.

[0055] Furthermore, for example, a remittance using the terminal device 10 may be performed by providing the recipient user with link information for receiving the remittance amount. To give a specific example, the terminal device 10 receives input of the remittance amount from user U, generates link information for receiving the remittance amount, and provides the link information to the terminal device 10 used by the recipient user by sending an email containing the link information or posting information containing the link information to an SNS (Social Networking Service). When the recipient user selects the link information and performs the receiving operation, the information processing device 100 transfers the amount of electronic money indicated by the remittance amount from user U's account to the recipient user's account.

[0056] Furthermore, the payment methods and services described above are not limited to those for the purchase of goods or the provision of services (settlement of debts). For example, as described above, payment methods and services may have functions related to transfers between accounts held by multiple users. In other words, the payment methods and services described above are services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as a user or a store. That is, the payment methods and services according to the embodiment may be provided in any form as long as they are transaction methods or transaction services that perform various controls to realize the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various debt processing such as installment payments and bonus payments, and various other controls related to the exchange of assets including electronic money). Moreover, the various controls realized by such transaction methods and transaction services may include both settlement controls and transfer controls, or only one of them. In other words, "transaction" is a concept that includes not only "settlement" of electronic money, but also "transfers" of electronic money and various other processing. In other words, the information processing device 100 may be an information processing device that implements a transaction means for controlling the exchange of electronic money between any two owners.

[0057] [3. System Configuration] The configuration of the information processing system SYS, including the information processing device 100 according to the present application, will be described below. Figure 5 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

[0058] As shown in Figure 5, the information processing system SYS according to this embodiment is composed of a plurality of terminal devices 10, such as terminal device 10-1, terminal device 10-2, and terminal device 10-3, an information processing device 100, and an insurance service provision device 200. Note that the configuration of the information processing system SYS shown in Figure 5 is just one example, and other devices not illustrated in Figure 5 may also be included.

[0059] The terminal device 10, the insurance service provider 200, and the information processing device 100 are connected to the network N by wire or wireless connection. The terminal device 10, the insurance service provider 200, and the information processing device 100 can communicate with other devices via the network N.

[0060] Network N includes, for example, WANs (Wide Area Networks) such as the Internet, and mobile communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation: 5th Generation Mobile Communication System).

[0061] The terminal device 10 connects to the network N via a mobile communication network or short-range wireless communication such as Bluetooth® or Wi-Fi (Local Area Network), and can communicate with other devices such as the information processing device 100 through the network N.

[0062] Furthermore, the terminal device 10 is used by users U of the electronic payment service (see, for example, Figure 1). Each of the multiple terminal devices 10 is used by a different user U.

[0063] Furthermore, the terminal device 10 is typically a smartphone, but is not limited to such examples; it may also be a notebook PC (Personal Computer), a desktop PC, a tablet PC, or a wearable device. Examples of wearable devices include smart glasses and smartwatches, but are not limited to such examples.

[0064] A user U using the terminal device 10 can use a payment application that is pre-installed on the terminal device 10. By operating the terminal device 10, the user U can launch the payment application and, by using the various functions installed in the payment application, can work in conjunction with the information processing device 100 to execute various processes related to electronic payment services, including payment processing for code payments. For example, the terminal device 10 can display various web content delivered from the information processing device 100 using the functions installed in the payment application. Furthermore, when the terminal device 10 receives control information from the information processing device 100 to realize the information display process, it will perform the display process according to the control information.

[0065] Furthermore, a user U using the terminal device 10 can utilize an insurance mini-app, which is a subordinate application program that operates on the terminal device 10 based on the payment app. By operating the terminal device 10, user U can launch the insurance mini-app and, by utilizing the various functions installed in the insurance mini-app, can perform information processing according to the embodiment in cooperation with the information processing device 100.

[0066] Furthermore, when the terminal device 10 receives control information from the information processing device 100 to perform predetermined information processing, it performs the information processing according to the control information. Here, the control information is written in, for example, a scripting language such as JavaScript®, a stylesheet language such as CSS (Cascading Style Sheets), a programming language such as Java®, or a markup language such as HTML (HyperText Markup Language). Note that the predetermined application itself distributed from the information processing device 100 may also be considered as the control information.

[0067] The information processing device 100 performs various processes related to code payments and information processing according to the embodiment. The information processing device 100 is operated and managed by a service provider that operates an electronic payment service. If the information processing device 100 is composed of a server device, it may be implemented by a single server device, or it may be implemented by a cloud system in which multiple server devices and multiple storage devices work together.

[0068] The information processing device 100 manages, for example, the electronic money accounts of providers of transaction items (e.g., stores) provided to user U, and the electronic money accounts of user U who receive the transaction items (also referred to as "electronic wallets"). The information processing device 100 can realize code-based payments by transferring electronic money between accounts in accordance with payment requests from user U received through the payment app. Electronic money may be, for example, points or currencies used independently by various companies, or it may be a form of currency provided by a country, such as Japanese yen or US dollars, that can be traded electronically.

[0069] Furthermore, the information processing device 100 exchanges various types of information with, for example, the insurance mini-application running on the terminal device 10, and uses the various types of information obtained through the insurance mini-application to perform information processing according to the embodiment.

[0070] The insurance service provider 200 performs various processes related to insurance services. The insurance service provider 200 can manage insurance information related to insurance purchased by user U of the electronic payment service. The insurance information is managed in association with identification information used to identify user U. The identification information used to identify user U may be unique identification information for user U in the insurance service, a user ID assigned to identify user U in the electronic payment service, or a common ID shared between the insurance service and the electronic payment service.

[0071] [4. Configuration of the information processing device 100] Hereinafter, an example of the functional configuration of the information processing device 100 according to the embodiment will be described using Figure 6. Figure 6 is a diagram showing an example of the configuration of the information processing device 100 according to the embodiment. As shown in Figure 6, the information processing device 100 according to the embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0072] (Communications Department 110) The communication unit 110 is implemented, for example, by a communication module or a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wireless connection and transmits and receives information with other devices such as the terminal device 10.

[0073] (Storage unit 120) The storage unit 120 stores, for example, programs and data used for control and calculations by the control unit 130. The storage unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) or flash memory, or storage devices such as hard disks or optical discs. As shown in Figure 10, the storage unit 120 has an insurance information storage unit 121 and a determination condition storage unit 122.

[0074] (Insurance information storage unit 121) The insurance information storage unit 121 stores insurance information relating to insurance policies that user U of the electronic payment service has already taken out. Figure 7 is a diagram showing an overview of the insurance information stored in the insurance information storage unit 121 according to this embodiment.

[0075] As shown in Figure 7, the insurance information stored in the insurance information storage unit 121 has a "User ID" item and an "Insurance Information" item. These items in the insurance information are interconnected.

[0076] The "User ID" field stores the user ID, which is identification information used to identify user U of the electronic payment service. The "Insurance Information" field stores insurance information related to the insurance policies that user U has.

[0077] (Judgment condition storage unit 122) The determination condition storage unit 122 stores information on determination conditions that are set in advance to determine whether or not the user U's situation may be eligible for benefits under the insurance policy that user U is enrolled in. Figure 8 is a diagram showing an overview of the determination condition information stored in the determination condition storage unit 122 according to this embodiment.

[0078] As shown in Figure 8, the judgment condition information stored in the judgment condition storage unit 122 has an item for "insurance type" and an item for "judgment condition". These items in the judgment condition information are mutually related.

[0079] The "Insurance Type" field stores information indicating the type of insurance. The "Determination Condition" field stores information indicating whether or not user U's situation falls under an event eligible for insurance benefits. As shown in Figure 8, the determination condition storage unit 122 stores determination condition information for each type of insurance. The information processing device 100 uses the determination condition information corresponding to the type of insurance selected by user U to determine whether or not user U's situation falls under an event eligible for insurance benefits.

[0080] (Control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs (an example of an "information processing program" according to this embodiment) stored in the storage device inside the information processing device 100 using RAM as the working area.

[0081] Furthermore, the control unit 130 can be implemented using an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or a GPGPU (General Purpose Graphic Processing Unit).

[0082] As shown in Figure 6, the control unit 130 includes an acquisition unit 131, a management unit 132, and a provision unit 133. These units realize or execute the functions and operations of the information processing described below. Note that the control unit 130 may also be equipped with new functional units different from those shown in Figure 6, depending on the expansion of the various processes performed by the information processing device 100.

[0083] (Acquisition part 131) The acquisition unit 131 acquires image data of the insurance certificate taken by user U through the screen of the insurance mini-application displayed on the terminal device 10 of user U of the electronic payment service that provides an environment for using electronic payments using an identification code (an example of a "predetermined user interface"). For example, the acquisition unit 131 receives the image data of the insurance certificate from the terminal device 10 via the communication unit 110. The acquisition unit 131 then passes the received image data to the management unit 132.

[0084] Furthermore, the acquisition unit 131 obtains claim diagnosis requests from user U through the insurance mini-app screen. For example, the acquisition unit 131 receives an insurance policy claim diagnosis request from terminal device 10 via the communication unit 110. The acquisition unit 131 then passes the received claim diagnosis request to the provision unit 133. The claim diagnosis request includes information about the insurance selected by user U as the subject of the benefit determination.

[0085] (Management Department 132) The management unit 132 centrally manages the insurance information extracted from the image data together with the registered insurance information, thereby providing a record of the insurance policies currently held by user U. For example, the management unit 132 extracts insurance information from the image data received from the acquisition unit 131. The acquisition unit 131 records the extracted insurance information, along with the registered insurance information, in the insurance information storage unit 121, associating it with user U's user ID.

[0086] Furthermore, the management unit 132 records the insurance information extracted from the image data using the same data format as the data format used when recording the registered insurance information.

[0087] (Provider 133) The provision unit 133 provides information about the insurance policies that user U has purchased in response to a request from user U. For example, when the provision unit 133 receives a request to display purchased insurance policies from the terminal device 10 via the communication unit 110, it uses the user ID included in the display request as a key to retrieve information about the purchased insurance policies corresponding to user U from the insurance information stored in the insurance information storage unit 121. The provision unit 133 then provides the retrieved information about purchased insurance policies to user U-1 by transmitting it to the terminal device 10 via the communication unit 110.

[0088] Furthermore, the provision unit 133, in response to a request from user U, determines whether user U's situation may be eligible for benefits under the insurance policy selected by user U, and provides user U with information based on the determination result.

[0089] For example, when the provision unit 133 receives a claim diagnosis request from the acquisition unit 131, it provides user U with diagnostic content (an example of "predetermined content") containing simple questions to identify user U's situation by transmitting it to the terminal device 10 via the communication unit 110. The provision unit 133 obtains the answers to the questions from user U via the communication unit 110. Based on the obtained answers and information on the judgment conditions corresponding to the insurance selected by user U as the subject of the benefit determination (an example of "pre-set rule base"), the provision unit 133 determines whether user U's situation may be eligible for benefits under the insurance policy selected by user U.

[0090] Furthermore, if the provision unit 133 determines that user U's situation may be eligible for benefits under the insurance policy selected by user U, it may provide information based on the determination result to user U by sending inquiry information to the terminal device 10 via the communication unit 110 to ask user U whether or not they wish to proceed with the insurance benefit claim procedure, thereby providing information tailored to user U.

[0091] [5. Example of Processing Procedure] (5-1. Information Processing (Part 1) Processing Procedure) The following describes the flow of information processing (part 1) performed by the information processing device 100 according to the embodiment, using Figure 9 as an example. Figure 9 is a flowchart of an example of the processing procedure for information processing (part 1) performed by the information processing device 100 according to the embodiment. The processing procedure shown in Figure 9 is performed by the control unit 130 of the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Figure 9 while the information processing device 100 is in operation.

[0092] As shown in Figure 9, the acquisition unit 131 acquires image data of the insurance certificate taken by user U through the screen of the insurance mini-app displayed on the terminal device 10 of user U of the electronic payment service (step S101).

[0093] Furthermore, the management unit 132 records the insurance information extracted from the image data along with the registered insurance information (step S102).

[0094] Furthermore, the provision unit 133 provides user U with information on the insurance policies they have already purchased (step S103) in response to a request from user U, and then terminates the processing procedure shown in Figure 9.

[0095] (5-2. Information Processing (Part 2) Processing Procedure) The following describes the flow of information processing (part 2) performed by the information processing device 100 according to the embodiment, using Figure 10. Figure 10 is a flowchart of an example of the processing procedure for information processing (part 2) performed by the information processing device 100 according to the embodiment. The processing procedure shown in Figure 10 is performed by the control unit 130 of the information processing device 100. The control unit 130 repeatedly executes the processing procedure shown in Figure 10 while the information processing device 100 is running.

[0096] As shown in Figure 10, the provisioning unit 133 provides user U with diagnostic content containing simple questions to identify user U's situation in response to a diagnostic request from user U (step S201).

[0097] Furthermore, the provision unit 133 determines whether or not the situation of user U may be eligible for benefits under the insurance policy selected by user U, based on the response obtained from user U and the information on the determination conditions corresponding to the insurance policy selected by user U as the subject of the benefit determination (step S202).

[0098] Furthermore, the provisioning unit 133 provides the user U with the information based on the determination result of step S202 as a billing diagnosis result (step S203), and terminates the processing procedure shown in Figure 10.

[0099] [6. Variant] (6-1. Regarding eligibility determination) In the above-described embodiment, the information processing device 100 may use a trained model and text information describing the situation input by the user U to determine whether or not the user U's situation falls under an event eligible for insurance benefits.

[0100] In this case, for example, the memory unit 120 can store information of a trained model that determines whether or not the user U's situation falls under an event eligible for insurance benefits. For example, as the trained model, a generative AI that has been trained to automatically generate content based on input data can be used. The generative AI can be implemented using AI (Artificial Intelligence) such as GPT (Generative Pre-trained Transformer). GPT is a language model that can generate text using natural language processing techniques.

[0101] The provisioning unit 133 inputs text information describing the situation entered by user U, information about user U's existing insurance, and an instruction sentence instructing the generating AI, which is a trained model, to consider whether user U's situation falls under an event covered by the insurance benefits of user U's existing insurance. At this time, the instruction sentence may instruct the AI ​​to consider the situation in three stages: highly likely to be covered, likely to be covered, or unlikely to be covered. The provisioning unit 133 then obtains the output result from the trained model, uses the obtained output result to create a claim diagnosis result describing whether user U's situation is likely to be covered by the insurance benefits of user U, and provides the created claim diagnosis result to user U.

[0102] (6-2. Regarding the use of payment history) In the above-described embodiment, the information processing device 100 may, if necessary, use the user U's payment history when determining whether the user U's situation falls under an event covered by insurance benefits. For example, when the provision unit 133 claims damage to goods purchased during domestic travel using code payment from domestic travel insurance, it may obtain necessary information such as the purchase price and purchase date of the goods.

[0103] (6-3. System Configuration, etc.) Furthermore, although the above-described embodiment explains an example in which the information processing device 100 according to the embodiment performs the information processing according to the embodiment, the system is not limited to this example. For example, in the information processing system SYS, a device that performs information processing related to electronic payment services in cooperation with a payment application running on the terminal device 10 and a device that performs information processing according to the embodiment in cooperation with an insurance mini-application running on the terminal device 10 may be distributed.

[0104] Furthermore, among the processes described in the embodiments described above, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically by known methods. In addition, the processing procedures, specific names, and various data and parameters shown in the above document and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown.

[0105] Furthermore, the components of each illustrated device are functionally conceptual and do not necessarily need to be physically configured as shown. In other words, the specific forms of distribution and integration of each device are not limited to those shown, and all or part of them can be functionally or physically distributed and integrated in any unit according to various loads and usage conditions.

[0106] Furthermore, the embodiments described above can be combined as appropriate, provided that the processing content is not contradictory.

[0107] [7. Hardware Configuration] Furthermore, the information processing device 100 according to the embodiments or modified examples described above can be implemented by a computer 1000 having a configuration such as that shown in Figure 18. Figure 18 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device 100 according to the embodiments or modified examples.

[0108] Computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output interface 1060, an input interface 1070, and a network interface 1080 are connected by a bus 1090.

[0109] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, as well as programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as RAM, that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device where data used by the arithmetic unit 1030 for various calculations and various databases are registered, and is implemented using ROM (Read Only Memory), HDD, flash memory, etc.

[0110] Output IF1060 is an interface for transmitting information to be output to output devices 1010, such as monitors and printers, and is implemented using connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (High Definition Multimedia Interface). Input IF1070 is an interface for receiving information from various input devices 1020, such as mice, keyboards, and scanners, and is implemented using, for example, USB.

[0111] The input device 1020 may also be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), DVD (Digital Versatile Disc), or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), tape media, magnetic recording media, or semiconductor memory. Furthermore, the input device 1020 may be an external storage medium such as a USB memory stick.

[0112] Network IF1080 receives data from other devices via network N and sends it to the arithmetic unit 1030, and also transmits data generated by the arithmetic unit 1030 to other devices via network N.

[0113] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0114] For example, when the computer 1000 functions as an information processing device 100 according to an embodiment or modified example, the arithmetic unit 1030 of the computer 1000 performs the same function as the control unit 130 by executing a program loaded on the primary storage device 1040. That is, the arithmetic unit 1030 performs processing by the information processing device 100 according to an embodiment or modified example in cooperation with a program loaded on the primary storage device 1040 (for example, an example of an information processing program).

[0115] [8. Effects] As described above, the information processing device 100 according to the embodiment includes an acquisition unit 131, a management unit 132, and a provision unit 133. The acquisition unit 131 acquires image data of an insurance certificate taken by user U through a predetermined user interface displayed on the terminal device 10 of user U of an electronic payment service that provides an environment for using electronic payments using an identification code. The management unit 132 centrally manages the insurance information extracted from the image data together with the information of registered insurances, thereby providing it as information on insurance policies currently held by user U. The provision unit 133 provides the information on insurance policies to user U by transmitting it to the terminal device 10 in response to a request from user U.

[0116] As described above, the information processing device 100 according to this embodiment can centrally manage information on insurance policies that user U has, and provide insurance information in response to user U's requests through an insurance mini-app. This allows the information processing device 100 to provide an environment in which user U can easily view insurance information, thereby improving the usability of viewing insurance information.

[0117] Furthermore, the management unit 132 can record the insurance information extracted from the image data using the same data format as the data format used to record the registered insurance information.

[0118] As described above, the information processing device 100 according to this embodiment records and manages information on insurance certificates issued by multiple different insurance companies in a common format. This allows the information processing device 100 to digitize and manage the insurance certificates of the insurance policies that user U is subscribed to, and even if the format of the insurance certificates differs for each insurance company, it can be displayed in a similar manner through the insurance mini-app. Thus, the information processing device 100 can improve the usability of user U regarding the management of insurance information, as well as further improve the usability of viewing insurance information.

[0119] Furthermore, the provision unit 133 can, in response to a request from user U, determine whether user U's situation may be eligible for benefits under the insurance policy selected by user U, and provide user U with information based on the determination result.

[0120] Furthermore, the provisioning unit 133 provides user U with predetermined content containing simple questions to identify user U's situation, obtains the answers to the questions from user U, and determines whether user U's situation may be eligible for benefits under the insurance policy selected by user U based on the obtained answers and a pre-set rule base.

[0121] Furthermore, if the provisioning unit 133 determines that user U's situation may be eligible for benefits under the insurance policy selected by user U, it can provide user U with inquiry information tailored to user U to ask whether or not they wish to proceed with the insurance benefit claim procedure when providing information based on the determination result.

[0122] Thus, the information processing device 100 according to this embodiment can provide user U with information indicating whether or not user U's situation may be eligible for benefits under the insurance policy they have purchased. This allows the information processing device 100 to improve the usability of insurance use.

[0123] The effects described above can be achieved by any combination of the processes performed by the respective parts described above, or by any combination of the processes performed by the respective parts.

[0124] [9. Other] Although some embodiments of the present invention have been described in detail above with reference to the drawings, these are illustrative examples, and the present invention can be implemented in various other forms with modifications and improvements based on the knowledge of those skilled in the art, starting with the embodiments described in the disclosure section of the invention.

[0125] Furthermore, the configuration of the aforementioned information processing device 100 can be flexibly changed, for example, by calling external platforms via APIs (Application Programming Interfaces) or network computing depending on the function.

[0126] Furthermore, the term "part" in the claims can be replaced with "means," "circuit," etc. For example, "control unit" can be replaced with "control means" or "control circuit." [Explanation of Symbols]

[0127] SYS Information Processing System 10 Terminal devices 100 Information Processing Devices 110 Communications Department 120 Storage section 121 Insurance Information Storage Unit 122 Judgment condition storage section 130 Control Unit 131 Acquisition Department 132 Management Department 133 Provision Department 200 Insurance service provision device

Claims

1. An application program installed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using identification codes, and which operates on the basis of a payment app equipped with various functions for performing code payments using the electronic payment service, includes an acquisition unit that acquires image data of an insurance certificate taken by the user through a predetermined user interface displayed on the terminal device by an insurance mini-app, The insurance information extracted from the aforementioned image data is recorded in association with the user ID used to identify the user in the electronic payment service, along with the registered insurance information, thereby centrally managing the information of the insurance policies currently held by the user in the management department. In response to a request from the user, the providing unit transmits the information of the subscribed insurance to the terminal device, thereby providing the user with the information. It has, The aforementioned management department, In response to insurance management requests obtained from the user through the aforementioned insurance mini-app, the system retrieves the user's insurance information from a partner's insurance service provider and records the retrieved user's insurance information in association with the user ID. An information processing device characterized by the following:

2. The aforementioned management department, The insurance information extracted from the aforementioned image data is recorded using the same data format as the data format used when recording the previously registered insurance information. The information processing apparatus according to feature 1.

3. The aforementioned supply unit is, In response to a request from the user, the system determines whether the user's situation may be eligible for benefits under the insurance policy selected by the user, and provides the user with information based on the determination result. The information processing apparatus according to feature 1.

4. The aforementioned supply unit is, By providing the user with predetermined content containing simple questions to identify the user's situation, the system obtains the user's answers to the questions and, based on the obtained answers and a pre-defined rule base, determines whether the user's situation may be eligible for benefits under the insurance policy selected by the user. The information processing apparatus according to claim 3.

5. The aforementioned supply unit is, If the determination results in the user's situation indicating that they may be eligible for benefits under the insurance policy selected by the user, when providing the user with information based on the determination result, the system will also provide inquiry information tailored to the user to ask whether they wish to proceed with the insurance benefit claim procedure. The information processing apparatus according to feature 4.

6. A method of information processing performed by a computer, An application program installed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using identification codes, and which operates on the basis of a payment app equipped with various functions for performing code payments using the electronic payment service, acquires image data of an insurance certificate taken by the user through a predetermined user interface displayed on the terminal device by an insurance mini-app, and A management process is performed to centrally manage the insurance information extracted from the aforementioned image data, along with the registered insurance information, in association with the user ID used to identify the user in the electronic payment service, thereby centrally managing the information of the insurance policies currently held by the user. In response to a request from the user, the information of the insurance policy already purchased is transmitted to the terminal device, thereby providing the information to the user. Includes, The aforementioned control process is, In response to insurance management requests obtained from the user through the aforementioned insurance mini-app, the system retrieves the user's insurance information from a partner's insurance service provider and records the retrieved user's insurance information in association with the user ID. An information processing method characterized by the following:

7. On the computer, An application program installed on the terminal device of a user of an electronic payment service that provides an environment for using electronic payments using identification codes, and which operates on the basis of a payment app equipped with various functions for performing code payments using the electronic payment service, provides an acquisition procedure for acquiring image data of an insurance certificate taken by the user through a predetermined user interface displayed on the terminal device, and A management procedure for centrally managing information on insurance policies currently held by a user, by recording the insurance information extracted from the aforementioned image data together with the registered insurance information in association with the user ID used to identify the user in the electronic payment service, In response to a request from the user, the procedure for providing information to the user involves transmitting the information of the purchased insurance to the terminal device. Make it run, The aforementioned management procedure is: In response to insurance management requests obtained from the user through the aforementioned insurance mini-app, the system retrieves the user's insurance information from a partner's insurance service provider and records the retrieved user's insurance information in association with the user ID. An information processing program characterized by the following features.

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