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

Abstract

Ensuring users utilize appropriate methods for sending and receiving funds in electronic payment services. [Solution] The information processing device according to the present invention comprises a calculation unit and a provision unit. The calculation unit calculates a score indicating the degree to which the second money transfer method is used as an alternative to the first money transfer method, based on the transfer history showing the history of using the second money transfer method, which has lower fees than the first money transfer method, among a plurality of money transfer methods available in a predetermined electronic payment service. The provision unit provides predetermined notification information to the user who makes a transfer using the second money transfer method if the score meets predetermined conditions.

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, cashless payment means in commercial transactions mainly between companies and individuals have been widely recognized by consumers. In particular, due to their convenience, electronic payment services conducted online using user terminals such as smartphones owned by individual users are spreading among consumers.

[0003] Also, among the above-mentioned electronic payment services, there is known a technology that provides a service that enables easy money transfer of digital money such as electronic money and virtual currency between users (for example, see Patent Document 1 below).

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, for example, when an electronic payment service has a plurality of money transfer methods, there may be users who use inappropriate money transfer methods among the users who use the electronic payment service.

[0006] 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 that can cause a user to use an appropriate money transfer method in an electronic payment service.

Means for Solving the Problems

[0007] The information processing device according to the present application is characterized by comprising: a calculation unit that calculates a score indicating the degree to which the second money transfer method is used as an alternative to the first money transfer method, based on a transfer history showing the history of using a second money transfer method which has lower fees than the first money transfer method, among a plurality of money transfer methods available in a predetermined electronic payment service; and a provision unit that provides predetermined notification information to a user who makes a transfer using the second money transfer method when the score satisfies predetermined conditions. [Effects of the Invention]

[0008] According to one embodiment of the system, the electronic payment service has the effect of allowing users to utilize appropriate methods for sending and receiving money. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 shows an example of a provisioning process performed by the information processing device according to this embodiment. [Figure 2] Figure 2 shows an example of the configuration of an information processing device according to the embodiment. [Figure 3] Figure 3 shows an example of a user information storage unit according to the embodiment. [Figure 4] Figure 4 shows an example of a business information storage unit according to the embodiment. [Figure 5] Figure 5 is a flowchart showing an example of the flow of the provisioning process executed by the information processing device according to the embodiment. [Figure 6] Figure 6 is a hardware configuration diagram showing an example of a computer that implements the functions of an information processing device. [Modes for carrying out the invention]

[0010] 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 according to the present application. Furthermore, each embodiment can be appropriately combined as long as the processing content is not inconsistent. Also, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant descriptions are omitted.

[0011] [1. An example of a processing operation performed by an information processing device] The provisioning process performed by the information processing device 100 will be explained using Figure 1. Figure 1 is a diagram showing an example of the provisioning process performed by the information processing device 100 according to this embodiment.

[0012] Using Figure 1, we will explain an example in which user U1 visits store SP1 and purchases goods or services. In this case, it is assumed that user U1 and store operator M1, which is the operator of store SP1, are using an electronic payment service (an example of a specified electronic payment service).

[0013] In the example shown in Figure 1, the business operator managing the information processing device 100 provides electronic payment services. For example, the business operator managing the information processing device 100 operates a platform service that provides electronic payment services using predetermined code information.

[0014] For example, the information processing device 100 performs information processing related to electronic payment services in cooperation with a predetermined application for realizing various processes related to electronic payment services. Here, the predetermined application operates on the user terminal 10 used by user U1 and the store terminal 20 used by store operator M1. In the following, this predetermined application may be referred to as application AP.

[0015] The following will provide an example of an electronic payment service that uses predetermined code information.

[0016] [1-1. Payment Using User Terminal 10 Here, an example of electronic payment performed using predetermined code information will be described. In the following, the electronic payment performed using predetermined code information may sometimes be simply referred to as code payment.

[0017] In the following, an example will be described in which user U1 performs code payment for a transaction target provided at store SP1 using a two-dimensional code such as a QR (Quick Response) code (registered trademark) arranged at store SP1 and indicating store identification information for identifying store SP1.

[0018] Note that code payment is applicable even when an arbitrary user performs code payment at an arbitrary store using an arbitrary user terminal 10. Also, the predetermined code information is not limited to the above two-dimensional code, and may be, for example, a one-dimensional code such as a barcode (registered trademark), or a predetermined mark or number. Further, the predetermined code information may be physically constituted by a printed matter printed on a medium such as paper, or may be constituted by image information displayed on an arbitrary user terminal 10. Also, the store identification information may include a franchise ID (Identifier) individually assigned to identify the brand of the store as a franchise of an electronic payment service, and a store ID assigned to identify the store itself.

[0019] For example, assume that user U1 performs a code settlement with a transaction target at store SP1. Also assume that a two-dimensional code is installed at store SP1. In this case, user U1 launches an application AP pre-installed on user terminal 10. Subsequently, user U1 takes a picture of the two-dimensional code installed at store SP1 via application AP. In this case, user terminal 10 displays a screen for inputting the amount of the transaction target on application AP and accepts an input of the settlement amount from user U1 or store operator M1 of store SP1. Subsequently, user terminal 10 transmits transaction information including user identification information for identifying user U1, store identification information (or information indicated by the store identification information, that is, information indicating store SP1 (for example, store ID, etc.)), and the settlement amount to information processing device 100. Note that such a settlement method is also referred to as the "user scan method."

[0020] And when information processing device 100 receives transaction information from user terminal 10, it transfers electronic money corresponding to the settlement amount from the account of user U1 indicated by the user identification information (the wallet linked to the user account of user U1) to the account of store SP1 indicated by the store identification information (the wallet linked to the account corresponding to store B). At this time, information processing device 100 may subtract a predetermined fee charged to store SP1 from the electronic money corresponding to the settlement amount and then transfer it to the account of store SP1. Then, information processing device 100 transmits a notification indicating that the transaction has been completed to user terminal 10. In this case, user terminal 10 notifies user U1 that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, information processing device 100 may withdraw electronic money corresponding to the settlement amount from the account of user U1 indicated by the user identification information, manage it as the sales information of store SP1, and transfer cash equivalent to the sales amount to the bank account held by store SP1 at a predetermined timing. In this case, information processing device 100 may notify user U1 that the transaction using electronic money has been completed at the timing when the electronic money corresponding to the settlement amount is withdrawn from the account of user U1.

[0021] It should be noted that code payment using the user terminal 10 is not limited to the process described above. For example, code payment using the user terminal 10 may also be performed using the store terminal 20. Specifically, first, the user terminal 10 displays code information on its screen that indicates user identification information identifying user U1. In this case, the store terminal 20 reads the user identification information from the code information displayed on the user terminal 10 and transmits transaction information including the read user identification information (or the information indicated by the user identification information, i.e., information indicating user U1 (e.g., user ID)), the payment amount, and information identifying store SP1 to the information processing device 100. This type of payment method is also called the "store scan method".

[0022] When the information processing device 100 receives transaction information from the store terminal 20, it transfers electronic money equivalent to the payment amount from the account of user U1, indicated by the user identification information, to the account of store SP1. The information processing device 100 then sends a notification to the store terminal 20 or the user terminal 10 that the transaction has been completed. The store terminal 20 or the user terminal 10 notifies user U1 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 electronic money equivalent to the payment amount from user U1's account, manage it as sales information for store SP1, and transfer the amount equivalent to the sales in cash to a bank account held by store SP1 at a predetermined time. In this case, the information processing device 100 may notify store operator M1 or user U1 that the electronic money transaction has been completed at the time the electronic money equivalent to the payment amount is withdrawn from user U1's account.

[0023] Furthermore, code payment using the user terminal 10 may involve not only transferring electronic money from an account where user U1 has pre-charged electronic money to the store SP1's account, but also, for example, payment using a credit card that user U1 has pre-registered. In this case, for example, the user terminal 10 may transfer the amount of electronic money indicated by the payment amount to the store SP1's account and also bill the credit card company of user U1 for the amount indicated by the payment amount.

[0024] Furthermore, code payment using the user terminal 10 may not only involve transferring electronic money from user U1's account to store SP1's account, but also, for example, a payment that transfers electronic money from user U1's account to another user's account (i.e., a transfer between users). For example, the user terminal 10 used by user U1, the sender, reads user identification information that identifies the other recipient user who is different from user U1 (for example, user identification information displayed on the user terminal 10 used by the other recipient user), accepts input of the transfer amount from user U1, and transmits the read identification information, the transfer amount, and information indicating user identification information that identifies user U1 to the information processing device 100. In this case, the information processing device 100 transfers the amount of electronic money indicated by the transfer amount from user U1's account to the other recipient user's account, and may notify the user terminal 10 or the user terminal 10 used by the other recipient user that the transfer has been completed by outputting a screen or a predetermined sound indicating that the transfer has been completed.

[0025] It should be noted that remittances using the user terminal 10 are not limited to the process described above. For example, a remittance using the user terminal 10 may be performed by inputting the phone number of the recipient user or information identifying the recipient user (e.g., user ID) into the user terminal 10. To give a specific example, the user terminal 10 receives input from user U1 of the recipient user's phone number or user ID and the remittance amount, and transmits the entered phone number or user ID (recipient identification information), the remittance amount, and user identification information identifying user U1 (sender identification information) to the information processing device 100. The information processing device 100 then transfers the amount of electronic money indicated by the remittance amount from user U1's account to the account of the other user linked to the transmitted phone number or user ID.

[0026] Here, the phone numbers and user IDs of other users receiving the remittance may be pre-registered in the application AP in conjunction with information about other users. In this case, the user terminal 10 receives from user U1 the specification of user U1 (recipient) registered in the application AP and the input of the amount to be remitted to user U1, and transmits the phone number or user ID associated with the specified user U1, the remittance amount, and user identification information that identifies user U1 to the information processing device 100.

[0027] As described above, the information processing device 100 can perform information processing related to payments using electronic money and electronic money transfers on the same platform that provides electronic payment services to other users.

[0028] Furthermore, the payment means, etc., that implement the various processes corresponding to the electronic payment service described above are not limited to those for providing consideration for the purchase of goods or use of services (settling debts) or for transferring money between accounts held by multiple users. For example, the payment means, etc., described above may be any service that controls the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as user U1 or a store. In other words, the payment means, etc., according to the embodiment may be provided in any form as long as it is a transaction means or transaction service that performs 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 other various controls related to the exchange of assets including electronic money). In addition, the various controls implemented by such transaction means or 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 processes. 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.

[0029] [1-2. Information Processing Systems] First, the configuration of the information processing system 1 according to the embodiment will be described using Figure 1. As shown in Figure 1, the information processing system 1 includes a user terminal 10, a store terminal 20, and an information processing device 100. The user terminal 10, the store terminal 20, and the information processing device 100 are connected via a network N such as the Internet, either by wired or wireless communication. Note that the information processing system 1 shown in Figure 1 may include multiple user terminals 10, multiple store terminals 20, and multiple information processing devices 100.

[0030] User terminal 10 is an information processing device used by user U1 to access web pages and application content displayed in a browser. For example, user terminal 10 may be a mobile phone such as a smartphone, a tablet device, a desktop PC (Personal Computer), a notebook PC, or a PDA (Personal Digital Assistant). In the example in Figure 1, user U1 is assumed to be using a smartphone. Also, user U1 is assumed to have installed an application AP on user terminal 10.

[0031] In the following text, web pages and application content displayed in a browser may simply be referred to as "content." Furthermore, in the following text, user terminal 10 may be treated as identical to the user (for example, user U1). In other words, in the following text, "user" can be read as "user terminal 10."

[0032] For example, the user terminal 10 performs various processes related to the electronic payment service using functions provided by the application AP. Furthermore, the user terminal 10 also performs various processes related to the electronic payment service by accessing a designated website via a web browser.

[0033] The store terminal 20 is an information processing device used by the store operator M1 to access content. For example, the store terminal 20 may be a mobile phone such as a smartphone, a tablet device, a desktop PC, a notebook PC, or a PDA. Alternatively, the store terminal 20 may be a store POS (Point of Sale) terminal or other devices usable for payment. In the example in Figure 1, it is assumed that the store operator M1 is using a smartphone. Furthermore, it is assumed that the store operator M1 has installed an application AP on the store terminal 20.

[0034] In the following text, store terminal 20 may be treated as identical to the store operator (for example, store operator M1). In other words, in the following text, store operator can be read as store terminal 20.

[0035] For example, the store terminal 20 performs various processes related to electronic payment services using functions provided by the application AP. Furthermore, the store terminal 20 also performs various processes related to electronic payment services by accessing a designated website via a web browser.

[0036] The information processing device 100 is an information processing device that can communicate with various devices via a network N, and is implemented, for example, by a server device or a cloud system. For example, the information processing device 100 provides an electronic payment service to a user U1 or a store operator M1 using predetermined code information. For example, the information processing device 100 performs information processing related to the electronic payment service by coordinating with an application AP running on a user terminal 10 or a store terminal 20.

[0037] For example, the information processing device 100 performs processing related to an electronic payment service that moves electronic money from one wallet to another through predetermined code information such as a two-dimensional code. The electronic payment service also has a function for sending and receiving text-based direct messages between users. For example, in an electronic payment service, the first user sends and receives direct messages with the second user, who is a different user from the first user and is mutually registered with the first user.

[0038] For example, a user accesses the information processing device 100 by operating the user terminal 10. Here, the user is a user who utilizes the electronic payment service provided through the information processing device 100. The user then uses the electronic payment service provided through the information processing device 100 by operating the user terminal 10 to send and receive payment information to and from the information processing device 100.

[0039] [1-3. An example of the processing method] Next, using Figure 1, a specific example of the processing performed by the information processing device 100 will be explained. For convenience, the steps shown in Figure 1 include actions performed by natural persons such as users.

[0040] In the example shown in Figure 1, store operator M1 uses a second payment method, which has lower fees than the first payment method, among the multiple payment methods available in the electronic payment service.

[0041] Here, we will explain the first and second methods of sending and receiving funds. The first method of sending and receiving funds is a method of sending and receiving funds between a business operator and a user who uses an electronic payment service. For example, the first method of sending and receiving funds is a method of transferring electronic money from user U1's account to store SP1's account. In this case, the first method of sending and receiving funds is the method used when user U1 purchases a transaction item provided by store operator M1.

[0042] The second method of sending and receiving funds is a method of sending and receiving funds between users of an electronic payment service. For example, the second method of sending and receiving funds is a method of transferring electronic money from user U1's account to another user's account. In this case, the merchant M1 uses the second method of sending and receiving funds by, for example, using a personal account instead of a business account in the electronic payment service. For example, the second method of sending and receiving funds is a method of transferring electronic money from user U1's account to an account corresponding to the merchant M1's personal account.

[0043] For store operator M1, it is usually appropriate to use the first payment method in accordance with the terms of service of the electronic payment service. However, some store operators M1 may intentionally use the second payment method, which has lower fees than the first payment method. The following describes an example in which store operator M1 uses the second payment method as an alternative to the first payment method. In the example in Figure 1, it is assumed that store operator M1 is using the second payment method.

[0044] As shown in Figure 1, user U1 visits store SP1 and purchases the item to be traded (step S1). Subsequently, user U1 operates user terminal 10 to send money to store operator M1 (step S2). In this case, user U1 uses the second money transfer method to send money to store operator M1.

[0045] In such cases, the information processing device 100 obtains the sending and receiving history from the store terminal 20 (step S3). Specifically, the information processing device 100 obtains information from the store terminal 20 regarding transactions in which electronic money was transferred to other users as the sending history. In addition, the information processing device 100 obtains information from the store terminal 20 regarding transactions in which the balance of electronic money was received from other users as the receiving history.

[0046] For example, the information processing device 100 obtains information from the store terminal 20 as a remittance history, including the user ID of the user who sent the electronic money, the user ID of the user who received the electronic money, the amount of electronic money sent, and the date and time of the remittance. The information processing device 100 also obtains information from the store terminal 20 as a receipt history, including the user ID of the user who received the electronic money, the user ID of the user who received the electronic money, the amount of electronic money received, and the date and time of the receipt.

[0047] To give a more specific example, the information processing device 100 acquires a record of payments received and received for a predetermined period of up to three months. Note that this predetermined period is not limited to three months; it could be any period, such as one day, one month, six months, or one year.

[0048] Next, the information processing device 100 calculates a score (step S4). Specifically, the information processing device 100 calculates a score indicating the degree to which the second payment method is being used as an alternative to the first payment method, based on the payment history of the second payment method. For example, the information processing device 100 calculates a score indicating the degree to which the second payment method is being used intentionally when the first payment method should be used. For example, the information processing device 100 calculates a score based on the payment history within a predetermined period.

[0049] Here, we will explain how the score is calculated. For example, the score is calculated using a predetermined score calculation rule. This predetermined score calculation rule is set based on the characteristics of the money transfers of store operators using the second money transfer method. For example, the predetermined score calculation rule is set based on the fact that store operators using the second money transfer method have many receiving transactions and fewer sending transactions than regular users, and that store operators using the second money transfer method receive money from various users, whereas regular users send and receive electronic money from other users within the same group.

[0050] The information processing device 100 calculates a score based on multiple indicators shown in the remittance history using a predetermined score calculation rule. Specifically, the information processing device 100 calculates a score based on the sum of each of the multiple indicators using a predetermined score calculation rule.

[0051] Here, we will explain several indicators. These indicators include the first, second, third, fourth, and fifth indicators. The first indicator is based on the frequency of receiving payments. The second indicator is based on the ratio of the number of payments received to the number of payments sent. The third indicator is based on the amount received. The fourth indicator is based on a comparison between the number of payments received from other users with whom a friendship has been established in the electronic payment service and the number of payments received from other users with whom a friendship has been established in the electronic payment service. The fifth indicator is based on the ratio of the number of payments received to the number of payments sent.

[0052] For example, the information processing device 100 calculates the first to fifth indicators using a predetermined score calculation rule. Next, the information processing device 100 calculates the sum of each of the first to fifth indicators. Then, the information processing device 100 calculates a score based on the calculated sum using a predetermined score calculation rule.

[0053] The information processing device 100 then provides notification information to the store terminal 20 (step S5). Specifically, the information processing device 100 provides predetermined notification information to the store terminal 20 when the score corresponding to the store operator M1 meets predetermined conditions. For example, the information processing device 100 provides predetermined notification information to the store terminal 20 when the score corresponding to the store operator M1 is above a predetermined threshold. The threshold here may be set, for example, based on the sending and receiving history and / or number of transactions of other users.

[0054] For example, the information processing device 100 provides the store terminal 20 with recommendation information as predetermined notification information, recommending that it register with an electronic payment service provider account that uses the first money transfer method. This allows the provider of the electronic payment service to recommend that it register with an electronic payment service provider account that uses the first money transfer method.

[0055] Next, the information processing device 100 provides notification information regarding store operators M1 whose scores meet predetermined conditions (step S6). Specifically, the information processing device 100 provides, for example, notification information regarding store operators M1 whose scores are above a predetermined threshold.

[0056] For example, the information processing device 100 provides the provider of the electronic payment service with notification information, which is used to report that store operator M1 is in violation of the terms of use for the electronic payment service. This allows the provider of the electronic payment service to issue a warning to store operator M1, such as instructing them to use the first payment method.

[0057] In this way, the information processing device 100 can enable store operators M1 to use an appropriate payment method in the electronic payment service. An "appropriate payment method" is exemplified by a payment method that is appropriate in light of the terms of use of the electronic payment service. Conventionally, when an electronic payment service has multiple payment methods, there has been a problem in that some store operators may intentionally use a payment method with lower fees among users of the electronic payment service. In such cases, the information processing device 100 calculates a score indicating the degree to which the store operator M1 is intentionally using the second payment method, which has lower fees than the first payment method, based on the payment history of the second payment method, which has lower fees than the first payment method. Then, if the calculated score meets predetermined conditions, the information processing device 100 provides notification information to the store operator M1 corresponding to this score. In this way, the information processing device 100 can solve the above problem. In this way, the information processing device 100 can prevent the intentional use of the second payment method with lower fees.

[0058] [2. Configuration of the Information Processing Device] Next, an example of the functional configuration of the information processing device 100 will be described using Figure 2. Figure 2 is a diagram showing an example of the configuration of the information processing device 100 according to the embodiment. As shown in Figure 2, the information processing device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

[0059] (Regarding Communications Unit 110) The communication unit 110 is implemented, for example, by 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 various other devices.

[0060] (Regarding memory unit 120) The storage unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) or flash memory, or by a storage device such as a hard disk or optical disc. The storage unit 120 also includes a user information storage unit 121 and a business information storage unit 122. The storage unit 120 also stores information related to predetermined score calculation rules.

[0061] (Regarding the user information storage unit 121) The user information storage unit 121 stores various information about the user. For example, the user information storage unit 121 stores various information about the user registered when they registered for the electronic payment service. The user information storage unit 121 also stores various histories related to the use of the electronic payment service.

[0062] Here, Figure 3 shows an example of the user information storage unit 121 according to the embodiment.

[0063] In the example shown in Figure 3, the user information storage unit 121 contains items such as "User ID," "User Information," "Payment History," "Sending and Receiving History," "Number of Transactions," and "Related User ID." The user information storage unit 121 also contains items such as "First Indicator," "Second Indicator," "Third Indicator," "Fourth Indicator," "Fifth Indicator," and "Score."

[0064] A "User ID" is an identifier that identifies a user. For example, a User ID is associated with a unique code information for each user used to access the electronic payment service. "User Information" is the user information associated with the "User ID". Specifically, User Information includes the user's account information for the electronic payment service, attribute information related to the user's attributes, etc. For example, account information includes the user's phone number, email address, password set by the user, and code information such as a 2D code corresponding to the identification information assigned to each user.

[0065] For example, attribute information includes information about demographic attributes and psychographic attributes. Demographic attributes are demographic attributes. More specifically, demographic attributes include age, gender, occupation, place of residence, annual income, and family structure. Psychographic attributes are psychological attributes. More specifically, psychographic attributes include lifestyle, values, and interests.

[0066] "Payment history" refers to information about the history of payments made in the electronic payment service by a user associated with a "user ID." For example, payment history is stored in association with each payment method, such as the first or second payment method.

[0067] The "Transfer History" is information regarding the history of transfers and receipts made within the electronic payment service by a user associated with a "User ID." For example, the transfer history is stored in association with each transfer method, along with the transfer and receipt history.

[0068] For example, the remittance history includes information about transactions in which electronic money was transferred to other users. To give a more specific example, the remittance history includes information such as the user ID of the user who sent the electronic money, the user ID of the user who received the electronic money, the amount of electronic money sent, and the date and time of the transfer.

[0069] Furthermore, the sending and receiving history includes information about transactions where electronic money balances were transferred from other users as part of the receiving history. To give a more specific example, the sending and receiving history includes information such as the user ID of the user who sent the electronic money, the user ID of the user who received the electronic money, the amount of electronic money received, and the date and time of receipt. The "number of transactions" is information about the number of transactions for a user associated with a "user ID".

[0070] The "Related User ID" is an identifier that identifies related users who are other users mutually registered in the electronic payment service by the user associated with the "User ID". Here, related users are, for example, other users with whom each user has established a friendship relationship and registered as friends within the electronic payment service.

[0071] "The first indicator" is information about the first indicator calculated for users associated with a "User ID". For example, the first indicator is an indicator based on the frequency of receiving payments. "The second indicator" is information about the second indicator calculated for users associated with a "User ID". For example, the second indicator is an indicator based on the ratio of the number of payments received to the number of payments sent.

[0072] The "Third Indicator" is information about the Third Indicator calculated for users associated with a "User ID". For example, the Third Indicator is an indicator based on the amount received. The "Fourth Indicator" is information about the Fourth Indicator calculated for users associated with a "User ID". For example, the Fourth Indicator is an indicator based on a comparison between the number of payments received from other users with whom a friendship relationship has been established in the electronic payment service and the number of payments received from other users with whom a friendship relationship has not been established in the electronic payment service.

[0073] "The fifth indicator" is information about the fifth indicator calculated for users associated with a "User ID". For example, the fifth indicator is an indicator based on the ratio of the number of received transactions to the number of sent transactions. "The score" is information about the score calculated for users associated with a "User ID".

[0074] For example, in Figure 3, "U1," identified by user ID, has user information as "UI1," payment history as "PH1," send / receive history as "RH1," transaction count as "TN1," and associated user ID as "U11." Furthermore, "U1" has the following metrics: first metric as "FTM1," second metric as "SDM1," third metric as "TDM1," fourth metric as "FOM1," fifth metric as "FIM1," and score as "SC1."

[0075] In the example shown in Figure 3, user information is represented by an abstract code such as "UI1," but user information may also be represented by numbers, strings, or a file format containing various information indicating user information.

[0076] (Regarding the business information storage unit 122) The business information storage unit 122 stores various information about the business. This business is, for example, a store operator. For example, the business information storage unit 122 stores various information about the business that was registered when it registered with the electronic payment service.

[0077] Here, Figure 4 shows an example of a business information storage unit 122 according to the embodiment. Figure 4 is a diagram showing an example of a business information storage unit 122 according to the embodiment.

[0078] In the example shown in Figure 4, the business information storage unit 122 has items such as "Business ID," "Business Information," and "Store ID."

[0079] A "Business ID" is an identifier that identifies a business. "Business Information" is the business information of a business associated with a "Business ID". Specifically, business information includes the business's account information in electronic payment services, etc. For example, account information includes the business's telephone number, email address, password set by the business, and code information such as a 2D code corresponding to the identification information assigned to each business.

[0080] A "store ID" is an identifier that identifies a store. For example, a store ID is associated with a unique code information specific to each store that is used when using electronic payment services.

[0081] For example, in Figure 4, "M1," identified by the business ID, has business information "MI1" and store ID "MS11." In the example shown in Figure 4, business information is represented by abstract codes such as "MI1," but business information may also be numerical values, strings, or file formats containing various information indicating business information. Furthermore, the business information storage unit 122 may store various business histories, including various histories related to the use of electronic payment services.

[0082] (Regarding the control unit 130) The control unit 130 is a controller, and is realized by executing various programs (an example of an information processing program) stored in the memory device inside the information processing device 100 using RAM as the working area, for example, by a CPU (Central Processing Unit), MPU (Micro Processing Unit), or GPU (Graphics Processing Unit). Alternatively, the control unit 130 is a controller and can be realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or FPGA (Field Programmable Gate Array).

[0083] As shown in Figure 2, the control unit 130 includes an acquisition unit 131, a calculation unit 132, and a provision unit 133, and realizes or executes the information processing functions and operations described below. Note that the internal configuration of the control unit 130 is not limited to the configuration shown in Figure 2, and other configurations are also possible as long as they perform the information processing described later. Furthermore, the connection relationships of the various processing units in the control unit 130 are not limited to the connection relationships shown in Figure 2, and other connection relationships are also possible.

[0084] (Regarding acquisition section 131) The acquisition unit 131 acquires various types of information. Specifically, the acquisition unit 131 acquires the remittance history from the store terminal 20. The acquisition unit 131 then stores the acquired remittance history in the user information storage unit 121.

[0085] For example, the acquisition unit 131 acquires information from the store terminal 20 regarding transactions in which electronic money was transferred to another user, as a remittance history. The acquisition unit 131 also acquires information from the store terminal 20 regarding transactions in which the balance of electronic money was received from another user, as a receipt history. The acquisition unit 131 then stores the acquired remittance history and receipt history as a remittance / receipt history in the user information storage unit 121.

[0086] For example, the acquisition unit 131 acquires information from the store terminal 20 as a remittance history, including the user ID of the user who sent the electronic money, the user ID of the user who received the electronic money, the amount of electronic money sent, and the date and time of the remittance. The acquisition unit 131 also acquires information from the store terminal 20 as a receipt history, including the user ID of the user who received the electronic money, the user ID of the user who received the electronic money, the amount of electronic money received, and the date and time of the receipt. The acquisition unit 131 then stores the acquired remittance history and receipt history as a remittance / receipt history in the user information storage unit 121.

[0087] To give a more specific example, the acquisition unit 131 acquires the remittance history for a predetermined period of up to three months. The acquisition unit 131 then stores the acquired remittance history in the user information storage unit 121.

[0088] (Regarding calculation unit 132) The calculation unit 132 calculates a score indicating the degree to which the second payment method is used as an alternative to the first payment method, based on the payment history showing the history of using the second payment method, which has lower fees than the first payment method, among multiple payment methods available in a predetermined electronic payment service. For example, the calculation unit 132 calculates a score indicating the degree to which the second payment method is used intentionally when the first payment method should be used. For example, the calculation unit 132 calculates a score based on the payment history within a predetermined period from the payment history stored in the user information storage unit 121. The calculation unit 132 then stores the calculated score in the user information storage unit 121.

[0089] For example, the calculation unit 132 uses a predetermined score calculation rule stored in the storage unit 120 to calculate a score based on multiple indicators shown in the money transfer history. Specifically, the calculation unit 132 uses a predetermined score calculation rule stored in the storage unit 120 to calculate a score based on the sum of each of the multiple indicators. The calculation unit 132 then stores the calculated score in the user information storage unit 121.

[0090] For example, the calculation unit 132 calculates the first to fifth indicators using predetermined score calculation rules stored in the storage unit 120. The calculation unit 132 then stores the calculated first to fifth indicators in the user information storage unit 121.

[0091] Next, the calculation unit 132 calculates the sum of each of the first to fifth indicators stored in the user information storage unit 121. Then, the calculation unit 132 calculates a score based on the calculated sum using a predetermined score calculation rule stored in the storage unit 120. Finally, the calculation unit 132 stores the calculated score in the user information storage unit 121.

[0092] (Regarding Section 133) The provision unit 133 provides various types of information. Specifically, the provision unit 133 provides predetermined notification information to users who make payments using the second payment method when the score stored in the user information storage unit 121 meets predetermined conditions.

[0093] For example, the provisioning unit 133 provides predetermined notification information to the store terminal 20 of a store operator when the score stored in the user information storage unit 121 that corresponds to the store operator satisfies predetermined conditions. For example, the provisioning unit 133 provides predetermined notification information to the store terminal 20 of a store operator when the score stored in the user information storage unit 121 that corresponds to the store operator is above a predetermined threshold.

[0094] For example, the provisioning unit 133 provides the store terminal 20 with recommendation information as predetermined notification information, which recommends that the store register with a business account for an electronic payment service that uses the first money transfer method.

[0095] Furthermore, the provision unit 133 provides notification information regarding store operators whose scores stored in the user information storage unit 121 meet predetermined conditions. For example, the provision unit 133 provides notification information regarding store operators whose scores stored in the user information storage unit 121 are above a predetermined threshold. For example, the provision unit 133 provides notification information to a provider of an electronic payment service provider to report that a store operator has violated the terms of use of the electronic payment service.

[0096] [3. Processing Procedure] Next, the procedure for the provisioning process performed by the information processing device 100 according to the embodiment will be explained using Figure 5. Figure 5 is a flowchart showing an example of the flow of the provisioning process performed by the information processing device 100 according to the embodiment.

[0097] As shown in Figure 5, the acquisition unit 131 acquires the remittance history from the store terminal 20 (step S101). Specifically, if the acquisition unit 131 has not acquired the remittance history from the store terminal 20 (step S101; No), it waits until the remittance history is acquired.

[0098] Meanwhile, the calculation unit 132 calculates a score (step S102) when the acquisition unit 131 acquires the remittance history from the store terminal 20 (step S101; Yes). Subsequently, the provision unit 133 determines whether the score calculated by the calculation unit 132 is above a predetermined threshold (step S103).

[0099] Specifically, if the provisioning unit 133 determines that the score calculated by the calculation unit 132 is above a predetermined threshold (step S103; Yes), it provides notification information to the store terminal 20 used by the store operator whose score is determined to be above the predetermined threshold (step S104). Then, the provisioning unit 133 terminates the information processing.

[0100] On the other hand, if the providing unit 133 determines that the score calculated by the calculation unit 132 is less than a predetermined threshold (step S103; No), it terminates the information processing.

[0101] The flowchart is not limited to the embodiment described above. For example, after step S104, the provisioning unit 133 may provide notification information regarding the store operator whose score is determined to be above a predetermined threshold to the provider of the electronic payment service.

[0102] [4. Variations] The information processing device 100 described above may be implemented in various other forms besides those described above. Therefore, other embodiments of the information processing device 100 will be described below.

[0103] [4-1. Other scoring methods] In the above embodiment, an example was described in which the calculation unit 132 calculates a score based on the sum of each of the multiple indicators, but it is not limited to this. For example, the calculation unit 132 may multiply each of the multiple indicators by a predetermined weight, and then calculate a score based on the sum of each of the multiple indicators multiplied by the weights.

[0104] For example, the calculation unit 132 multiplies the first indicator by a predetermined weight. The calculation unit 132 multiplies the second indicator by a predetermined weight. The calculation unit 132 multiplies the third indicator by a predetermined weight. The calculation unit 132 multiplies the fourth indicator by a predetermined weight. The calculation unit 132 multiplies the fifth indicator by a predetermined weight. The calculation unit 132 may then calculate a score based on the sum of the first indicator multiplied by the predetermined weight, the second indicator multiplied by the predetermined weight, the third indicator multiplied by the predetermined weight, the fourth indicator multiplied by the predetermined weight, and the fifth indicator multiplied by the predetermined weight. This allows the calculation unit 132 to determine if a user is using an inappropriate money transfer method. Note that the predetermined weights may differ for each indicator.

[0105] Furthermore, the calculation unit 132 may calculate a score based on any of several indicators. For example, the calculation unit 132 may calculate a score based on a first indicator as one of several indicators indicated by the remittance history. In this case, the provision unit 133 may provide predetermined notification information to the store terminal 20 of the store operator if the score based on the first indicator, which corresponds to the store operator, is above a predetermined threshold.

[0106] Furthermore, the calculation unit 132 may calculate a score based on a second indicator as one of several indicators indicated by the remittance history. In this case, the provision unit 133 may provide predetermined notification information to the store terminal 20 of the store operator if the score based on the second indicator that corresponds to the store operator is above a predetermined threshold.

[0107] Furthermore, the calculation unit 132 may calculate a score based on a third indicator as one of several indicators indicated by the remittance history. In this case, the provision unit 133 may provide predetermined notification information to the store terminal 20 of the store operator if the score based on the third indicator that corresponds to the store operator is above a predetermined threshold.

[0108] Furthermore, the calculation unit 132 may calculate a score based on the fourth indicator as one of several indicators indicated by the remittance history. In this case, the provision unit 133 may provide predetermined notification information to the store terminal 20 of the store operator if the score based on the fourth indicator that corresponds to the store operator is above a predetermined threshold.

[0109] Furthermore, the calculation unit 132 may calculate a score based on the fifth indicator as one of several indicators indicated by the remittance history. In this case, the provision unit 133 may provide predetermined notification information to the store terminal 20 of the store operator if the score based on the fifth indicator that corresponds to the store operator is above a predetermined threshold.

[0110] In this manner, the provisioning unit 133 provides predetermined notification information to the store terminal 20 when a score based on any of the multiple indicators meets predetermined conditions. This allows the calculation unit 132 to determine if a user is using an inappropriate money transfer method.

[0111] Furthermore, the provisioning unit 133 may provide predetermined notification information to the store terminal 20 if all of the scores calculated based on any of the multiple indicators are above a predetermined threshold. In this case, the provisioning unit 133 may provide predetermined notification information to the store terminal 20 if each of the scores based on the first indicator, the second indicator, the third indicator, the fourth indicator, and the fifth indicator is above a predetermined threshold.

[0112] Furthermore, the information provider 133 may provide predetermined notification information to the store terminal 20 based on scores calculated based on any of the multiple indicators, specifically based on scores from at least two of the indicators. For example, an example using scores based on the first and second indicators will be described. In this case, the information provider 133 may provide predetermined notification information to the store terminal 20 based on scores calculated based on any of the multiple indicators, specifically based on scores from the first and second indicators. For example, the information provider 133 may provide predetermined notification information to the store terminal 20 if each of the scores calculated based on the first indicator and the score based on the second indicator is above a predetermined threshold. Note that the scores based on the first and second indicators described above are just examples and are not limited thereto.

[0113] [4-2. Store Operators] Furthermore, the calculation unit 132 may assign a label to the store operator indicating the risk level of using an inappropriate money transfer method, depending on the score value. For example, the labels may be divided into four categories according to this risk level. The first label corresponds to the highest risk level. The second label corresponds to a risk level lower than that indicated by the first label. The third label corresponds to a risk level lower than that indicated by the first and second labels. The fourth label corresponds to a typical user.

[0114] [5. Hardware Configuration] Furthermore, the information processing device 100 according to the above-described embodiment is implemented by a computer 1000 having a configuration such as that shown in Figure 6. Figure 6 is a hardware configuration diagram showing an example of a computer 1000 that implements the functions of the information processing device 100. The 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 cache 1040, a memory 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

[0115] The arithmetic unit 1030 operates based on programs stored in the cache 1040 and memory 1050, as well as programs read from the input device 1020, and executes various processes. The cache 1040 is a memory device, such as RAM, that temporarily stores data used by the arithmetic unit 1030 for various calculations. The memory 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 (Hard Disk Drive), flash memory, etc.

[0116] 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 input devices 1020, such as mice, keyboards, and scanners, and is implemented using, for example, USB.

[0117] 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 Disc), 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.

[0118] 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.

[0119] 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 memory 1050 onto the cache 1040 and executes the loaded program.

[0120] For example, when computer 1000 functions as an information processing device 100, the arithmetic unit 1030 of computer 1000 realizes the functions of the control unit 130 by executing a program loaded on the cache 1040.

[0121] [6. Other] Furthermore, among the processes described in the above embodiments and modifications, all or part of the processes described as being performed automatically can be performed manually, or 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 information including 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.

[0122] 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.

[0123] Furthermore, the embodiments and modifications described above can be combined as appropriate, provided that the processing content is not inconsistent.

[0124] Furthermore, the terms "section, module, unit" mentioned above can be replaced with "means" or "circuit," etc. For example, a calculation unit can be replaced with a calculation means or a calculation circuit.

[0125] [7. Effects] As described above, the information processing device 100 according to the embodiment includes a calculation unit 132 and a provision unit 133. The calculation unit 132 calculates a score indicating the degree to which the second money transfer method is used as an alternative to the first money transfer method, based on the transfer history showing the history of using the second money transfer method, which has lower fees than the first money transfer method, among a plurality of money transfer methods available in a predetermined electronic payment service. The provision unit 133 provides predetermined notification information to the user who is making a transfer using the second money transfer method if the score meets predetermined conditions.

[0126] As a result, the information processing device 100 according to this embodiment can allow users to use an appropriate method for sending and receiving money in an electronic payment service.

[0127] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the transaction history of a second transaction method, which has lower fees than the first transaction method, between a business operator and a user using a predetermined electronic payment service, as the first transaction method.

[0128] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0129] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the transaction history of a second transaction method, which is a first transaction method between a business operator and a user, and which has lower fees than the first transaction method used when a user purchases a transaction item provided by the business operator.

[0130] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0131] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the transaction history of the second transaction method between users using a predetermined electronic payment service.

[0132] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0133] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on a plurality of indicators shown in the remittance history.

[0134] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0135] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on one of a plurality of indicators.

[0136] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0137] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on an index that is based on the frequency of receipts, as one of a plurality of indicators shown by the remittance history.

[0138] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0139] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on an index that is based on the ratio of the number of received funds to the number of sent funds, as one of several indicators shown by the sending and receiving history.

[0140] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0141] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on an indicator that is based on the amount received, as one of several indicators indicated by the remittance history.

[0142] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0143] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on an index that compares the number of payments received from other users with whom a friendship relationship has been established in a predetermined electronic payment service with the number of payments received from other users with whom a friendship relationship has not been established in a predetermined electronic payment service, as one of several indicators shown by the payment history.

[0144] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0145] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on an index that is based on the ratio of the number of received transactions to the number of sent transactions, as one of several indicators shown by the remittance and receipt history.

[0146] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0147] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the sum of each of the multiple indicators.

[0148] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0149] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the sum of a plurality of indicators: an indicator based on the frequency of receiving payments, an indicator based on the ratio of the number of payments received to the number of payments sent, an indicator based on the amount received, an indicator based on a comparison between the number of payments received from other users with whom a friendship relationship has been established in a predetermined electronic payment service and the number of payments received from other users with whom a friendship relationship has not been established in a predetermined electronic payment service, and an indicator based on the ratio of the number of payments received to the number of payments sent.

[0150] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0151] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score based on the remittance history within a predetermined period from the remittance history.

[0152] As a result, the information processing device 100 according to the embodiment can determine which users are using an inappropriate money transfer method during a predetermined period.

[0153] Furthermore, in the information processing device 100 according to the embodiment, the calculation unit 132 calculates a score indicating the degree to which the second payment method is being intentionally used when the first payment method should be used.

[0154] This allows the information processing device 100 according to the embodiment to determine if a user is using an inappropriate money transfer method.

[0155] Furthermore, in the information processing device 100 according to this embodiment, the provisioning unit 133 provides predetermined notification information to the user when the score is above a predetermined threshold.

[0156] As a result, the information processing device 100 according to this embodiment can allow users to use an appropriate method for sending and receiving money in an electronic payment service.

[0157] Furthermore, in the information processing device 100 according to the embodiment, the provisioning unit 133 further provides notification information to the business operator providing the predetermined electronic payment service for reporting that a user has violated the terms of use of the predetermined electronic payment service.

[0158] As a result, the information processing device 100 according to this embodiment can allow users to use an appropriate method for sending and receiving money in an electronic payment service.

[0159] 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. [Explanation of symbols]

[0160] N Network 1. Information Processing System 10. User terminals 20 store terminals 100 Information Processing Devices 110 Communications Department 120 Storage section 121 User information storage unit 122 Business information storage unit 130 Control Unit 131 Acquisition Department 132 Calculation Section 133 Provision Department

Claims

1. A calculation unit calculates a score indicating the degree to which the second method of sending and receiving money is used as an alternative to the first method of sending and receiving money, based on the transaction history showing the history of using the second method of sending and receiving money, which has lower fees than the first method of sending and receiving money, among multiple sending and receiving methods available in a specified electronic payment service. When the score meets the predetermined conditions, the providing unit provides predetermined notification information to a business operator that uses the second money transfer method to transfer money and a business operator that uses the predetermined electronic payment service. An information processing device characterized by comprising:

2. The calculation unit described above, The score is calculated based on the transaction history of the second transaction method, which has lower fees than the first transaction method between the business operator and the user, as the first transaction method. The information processing apparatus according to feature 1.

3. The calculation unit described above, The score is calculated based on the transaction history of the first method of sending and receiving money between the business operator and the user, the second method of sending and receiving money which has lower fees than the first method of sending and receiving money used by the user when purchasing the transaction item provided by the business operator. The information processing apparatus according to feature 2.

4. The calculation unit described above, As the second method of sending and receiving funds, the score is calculated based on the sending and receiving history of the second method of sending and receiving funds between users using the predetermined electronic payment service. The information processing apparatus according to feature 2.

5. The calculation unit described above, The score is calculated based on the multiple indicators shown in the aforementioned remittance history. The information processing apparatus according to feature 1.

6. The calculation unit described above, The score is calculated based on any of the aforementioned multiple indicators. The information processing apparatus according to feature 5.

7. The calculation unit described above, As one of several indicators shown by the aforementioned remittance and receipt history, the score is calculated based on an indicator that is based on the frequency of receipts. The information processing apparatus according to feature 6.

8. The calculation unit described above, As one of several indicators shown by the aforementioned remittance history, the score is calculated based on an indicator that is based on the ratio of the number of received funds to the number of sent funds. The information processing apparatus according to feature 6.

9. The calculation unit described above, As one of several indicators shown in the aforementioned remittance and receipt history, the score is calculated based on an indicator that is based on the amount received. The information processing apparatus according to feature 6.

10. The calculation unit described above, As one of several indicators shown by the aforementioned payment history, the score is calculated based on an indicator that compares the number of payments received from other users with whom a friendship has been established in the predetermined electronic payment service with the number of payments received from other users with whom a friendship has not been established in the predetermined electronic payment service. The information processing apparatus according to feature 6.

11. The calculation unit described above, As one of several indicators shown by the aforementioned remittance and receipt history, the score is calculated based on an indicator that is the ratio of the number of received transactions to the number of remittance transactions. The information processing apparatus according to feature 6.

12. The calculation unit described above, The score is calculated based on the sum of each of the aforementioned multiple indicators. The information processing apparatus according to feature 5.

13. The calculation unit described above, The score is calculated based on the sum of the following multiple indicators: an indicator based on the frequency of receiving payments, an indicator based on the ratio of the number of payments received to the number of payments sent, an indicator based on the amount received, an indicator based on a comparison between the number of payments received from other users with whom a friendship has been established in the specified electronic payment service and the number of payments received from other users with whom a friendship has been established in the specified electronic payment service, and an indicator based on the ratio of the number of receiving transactions to the number of sending transactions. The information processing apparatus according to feature 12.

14. The calculation unit described above, The score is calculated based on the transaction history within a predetermined period from the aforementioned transaction history. The information processing apparatus according to feature 1.

15. The calculation unit described above, The score is calculated to indicate the degree to which the second money transfer method is intentionally used when the first money transfer method should be used. The information processing apparatus according to feature 1.

16. The aforementioned supply unit is, If the score is above a predetermined threshold, the predetermined notification information will be provided to the business operator. The information processing apparatus according to feature 1.

17. The aforementioned supply unit is, Further providing the business operator providing the specified electronic payment service with information to report that the business operator is in violation of the terms of use of the specified electronic payment service. The information processing apparatus according to feature 1.

18. A method of information processing performed by a computer, A calculation process that calculates a score indicating the degree to which the second method of sending and receiving money is used as an alternative to the first method of sending and receiving money, based on the transaction history showing the history of using the second method of sending and receiving money, which has lower fees than the first method of sending and receiving money, among multiple sending and receiving methods available in a given electronic payment service, and If the score meets the predetermined conditions, the provision step involves providing predetermined notification information to a business operator that uses the second money transfer method and utilizes the predetermined electronic payment service. An information processing method characterized by including

19. A calculation procedure for calculating a score indicating the degree to which a second money transfer method, which has lower fees than a first money transfer method, is used as an alternative to a first money transfer method, based on a transaction history showing the history of using a second money transfer method with lower fees than a first money transfer method, among multiple money transfer methods available in a given electronic payment service, and A provision procedure for providing predetermined notification information to a business operator that uses the second money transfer method and utilizes the predetermined electronic payment service, when the aforementioned score meets predetermined conditions. An information processing program characterized by causing a computer to execute it.

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