Program, information processing device, and information processing method

Abstract

To provide a program, an information processing apparatus, and an information processing method which can easily manage a corresponding relationship between settlement means which a user can use and a plurality of services using this settlement means.SOLUTION: The present invention is directed to a program for causing a computer to realize: a service acquiring function for acquiring service information relating to each of a plurality of services used by a user and including use information relating to use by a user of each of one or more settlement means in each of plurality of services; an association function for associating, based on the service information, each of the plurality of services with each of the one or more settlement means; and display means for displaying, on a user device of the user, each of the plurality of services and each of the one or more settlement means with one another.SELECTED DRAWING: Figure 5

Description

【Technical Field】 【0006】 , , , 【0001】 The present invention relates to a program, an information processing apparatus, and an information processing method. 【Background Art】 【0002】 Conventionally, there has been known a technique in which a settlement means is preliminarily associated with a service, and when a user uses this service, a process for settlement is executed by the preliminarily associated settlement means. Patent Document 1 describes an input / output management device that subtracts the usage fee of a service provided in a space where entry and exit are permitted from the amount of electronic money preliminarily associated with a user. 【Prior Art Documents】 【Patent Documents】 【0003】 【Patent Document 1】 Japanese Unexamined Patent Application Publication No. 2023-041725 【Summary of the Invention】 【Problems to be Solved by the Invention】 【0004】 A user may use a plurality of settlement means for a plurality of services. When the number of services used in this way becomes plural, it is conceivable that the management of the correspondence relationship between these plural settlement means and the plural services becomes complicated. However, in the technique of Patent Document 1, the assumption is not that there are a plurality of services, and there is room for improvement. 【0005】 Therefore, in view of the above problems, an object of the present invention is to provide a program, an information processing apparatus, and an information processing method that facilitate the management of the correspondence relationship between settlement means available to a user and a plurality of services that use this settlement means. 【Means for Solving the Problems】 【0006】 A program according to one aspect of the present invention provides a computer with a service acquisition function that acquires service information relating to each of a plurality of services used by a user, including usage information relating to the use of each of the user's one or more payment methods within each of the plurality of services; an association function that associates each of the plurality of services with each of the one or more payment methods based on the service information; and a display function that displays the associations of each of the plurality of services with each of the one or more payment methods together on the user's user device. 【0007】 An information processing device according to one aspect of the present invention includes a service acquisition unit that acquires service information relating to each of a plurality of services used by a user, which includes usage information relating to the use of each user of one or more payment methods in each of the plurality of services; an association unit that associates each of the plurality of services with each of the one or more payment methods based on the service information; and a display unit that displays the associations of each of the plurality of services with each of the one or more payment methods together on the user's user device. 【0008】 An information processing method according to one aspect of the present invention involves a computer acquiring service information relating to each of a plurality of services used by a user, which includes usage information relating to the use of one or more payment methods by each user in each of the plurality of services, and based on the service information, displaying the associations between each of the plurality of services and each of the one or more payment methods, and the associations between each of the plurality of services and each of the one or more payment methods, together on the user's user device. [Effects of the Invention] 【0009】 According to the present invention, it is possible to easily manage the correspondence between payment methods available to a user and multiple services that utilize these payment methods. [Brief explanation of the drawing] 【0010】 [Figure 1]This figure illustrates an example of the system configuration of the integrated system according to this embodiment. [Figure 2] This is a diagram illustrating the overview of the integrated system according to this embodiment. [Figure 3] This is a diagram illustrating the overview of the integrated system according to this embodiment. [Figure 4] This is a diagram illustrating the overview of the integrated system according to this embodiment. [Figure 5] This figure shows an example of the functional configuration of the server device according to this embodiment. [Figure 6] This figure shows an example screen of the integrated system according to this embodiment. [Figure 7] This figure shows an example screen of the integrated system according to this embodiment. [Figure 8] This figure shows an example screen of the integrated system according to this embodiment. [Figure 9] This figure shows an example screen of the integrated system according to this embodiment. [Figure 10] This figure shows an example of the operation of the integrated system according to this embodiment. [Figure 11] This figure shows an example of the operation of the integrated system according to this embodiment. [Figure 12] This figure shows an example of the hardware configuration of the server device according to this embodiment. [Modes for carrying out the invention] 【0011】 A preferred embodiment of the present invention (hereinafter referred to as "this embodiment") will be described with reference to the attached drawings. In each drawing, components denoted by the same reference numerals have the same or similar configuration. 【0012】 In the present invention, the terms "section", "means", "device", or "system" do not simply mean physical means, but also include cases where the functions of the "section", "means", "device", or "system" are realized by software. Further, even if the functions of one "section", "means", "device", or "system" are realized by a combination of two or more physical means, devices, or software modules, or the functions of two or more "sections", "means", "devices", or "systems" are realized by one physical means, device, or software module, it is acceptable. 【0013】 <1. System Configuration> Referring to FIG. 1, an example of the system configuration of the integrated system 1 according to the present embodiment will be described. The integrated system 1 visualizes the association (hereinafter also simply referred to as "association") between a plurality of services used by a user and one or more payment means used in each of the plurality of services. Further, the integrated system 1 proposes services and payment means that the user has not yet used (does not yet have an account for using), and provides an opportunity to switch and / or review the services and payment means. 【0014】 As shown in FIG. 1, the integrated system 1 includes, for example, a server device 100, a payment provider's payment provider device 200a, a service provider's service provider device 200b, and a user's user device 300. Further, the server device 100, the payment provider's payment provider device 200a, the service provider's service provider device 200b, and the user's user device 300 are connected to each other via a network N so as to be communicable. Note that when there is no need to distinguish between the payment provider device 200a and the service provider device 200b, they are also collectively referred to as "provider device 200". 【0015】 [Server Device] The server device 100 is an information processing device capable of communicating with the operator device 200 and the user device 300. By executing a predetermined program, the server device 100 integrally manages payment means information of payment means used by the user and service information of the service. In addition, in order to visualize this payment means information and service information, the server device 100 transmits display information (for example, a web page or the like) to the user device 300 to display this information. 【0016】 The payment means information is information regarding payment means. The payment means information includes, for example, type information indicating the type of payment means (for example, credit card payment, debit card payment, electronic money payment, etc.), payment means identification information for identifying the payment means (for example, card number, account number, etc.), payment business operator identification information regarding the payment business operator providing the payment means, user identification information of the user using the payment means, security information for the security of the payment means, and the like. Further, the payment means information may be stored in the storage unit 130 in association with the payment account information of the same user and / or the same payment means, and / or the payment business operator information of the same payment means. Also, the payment means information may include, for example, at least a part of the payment account information of the same user and / or the same payment means, and / or at least a part of the payment business operator information of the same payment means. 【0017】 The payment means information may include, for example, the name of each payment means (for example, in the case of credit card payment, the type of credit card, etc.), an overview of each payment means, an explanation of each function provided by each payment means, the usage fee of each payment means, address information of a website regarding each payment means (for example, the URL of the top page or the new account registration application page), a data file in which an introduction of each payment means is published (for example, a pamphlet PDF file introducing the payment means), and the like. 【0018】 The payment means information may include information indicating evaluations and / or word - of - mouth regarding payment means on external sites such as so - called comparison sites. 【0019】 Payment account information refers to information about a user account used to access a payment method (hereinafter also referred to as a "payment account"). Payment account information may include, for example, payment account identification information (e.g., ID or card number) to identify a user's payment account, and payment method information for the corresponding payment method. Payment account information may also include, for example, the password for the payment account as authentication information in user authentication of the payment account. 【0020】 Payment service provider information refers to information about a payment service provider. Payment service provider information may include, for example, payment service provider identification information, the name of the payment service provider (e.g., company name), the address of the head office, the address of the payment service provider's website (e.g., URL of the corporate website), and / or contact information (e.g., email address and telephone number). 【0021】 Service information is information about a service. Service information may include, for example, service provider identification information to identify the service provider, a service ID to identify each service, the service name of each service, an overview of each service, a description of each function provided by each service (e.g., guide information such as an operation guide or user guide), the usage fee for each service, the address information of the website providing each service (e.g., the URL of the top page or the new account registration application page), and data files containing introductions to each service (e.g., a PDF file of a brochure introducing the service). 【0022】 Service information may include, for example, information showing evaluations and / or reviews of the service on external sites such as so-called comparison sites. 【0023】 Service provider information may include, for example, service provider identification information, the name of the service provider (e.g., company name if the service provider is a company), the address of the head office, the address of the service provider's website (e.g., URL of the corporate website), and / or contact information (e.g., email address and telephone number). 【0024】 Service account information is information about a user account used to access a service (hereinafter also referred to as a "service account"). Service account information may include, for example, service account identification information (e.g., ID or email address, etc.) to identify a user's service account, and service information for the corresponding service. 【0025】 [Payment service provider equipment] The payment service provider device 200a is an information processing device used by a payment service provider. The payment service provider provides users with payment methods that can be used for services provided by service providers. The payment methods provided by the payment service provider may be, for example, credit card payments, debit card payments, electronic money payments, or carrier billing. 【0026】 [Service provider equipment] The service provider device 200b is an information processing device used by the service provider. The service provider provides users with services that allow them to use payment methods provided by a payment service provider. The services provided by the service provider may be, for example, so-called online services such as SNS services like the metaverse, game services, streaming services such as video provision, and / or e-commerce services such as online shopping. 【0027】 [User device] The user device 300 is an information processing device used by the user, such as a smartphone or laptop computer. The user device 300 sends and receives user information with the server device 100 by executing a predetermined program, displays payment method information and service information to the user on a screen, and accepts user requests regarding the displayed screen. 【0028】 User information is information about a user. User information may include, for example, user identification information to identify the user, payment account information, service account information, and user attributes such as name, telephone number, address, email address, personal identification number (My Number), gender, and / or date of birth. 【0029】 User information may include authentication information for authenticating the user. Authentication information is information that is an element of a predetermined authentication method and is used to authenticate the user in that predetermined authentication method. Authentication information may include, for example, possession information, biometric information, and stored information. 【0030】 Possession information may include, for example, card information relating to an IC card or magnetic card that the user possesses, or device identification information that identifies a device that the user possesses. Biometric information may include, for example, information relating to the user's physical characteristics such as facial features, fingerprints, palm prints, voiceprints, and / or iris scans. Stored information may include, for example, user identification information, payment method numbers (e.g., card number or account number), telephone number, account name such as email address, password, signature or drawing entered or selected by the subject, free-form or multiple-choice answers to prescribed questions, or any other information stored by the subject that can be acquired by the server device 100. 【0031】 [network] Network N consists of wireless or wired networks. Examples of Network N include mobile phone networks or PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network, including communication compliant with IEEE 802.11 (so-called Wi-Fi®)), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation), WiMAX®, infrared communication, visible light communication, Bluetooth®, wired LAN, telephone lines, power line communication, power line networks, and networks compliant with IEEE 1394, etc. 【0032】 <2. Overview> <2-1. Subsystem and Functional Configuration> An overview of an example of integrated system 1 will be described with reference to Figures 2-4. As shown in Figure 2, integrated system 1 consists of the following three subsystems, each of which has one or more functions. In integrated system 1, subsystems and functions cooperate with each other (including information exchange and / or function exchange; the same applies hereinafter). A) Payment service provider management system: A-1) Payment service provider registration function, A-2) Payment method offer registration function B) Service Provider Management System: B-1) Service Provider Registration Function, B-2) Service Offer Registration Function C) Optimization support system: C-1) Service x Payment method control function, C-2) User x Business operator control function, C-3) Recommendation function D) Common Management System: D-1) Dashboard function, D-2) User registration function, D-3) Usage status registration function, D-4) Mapping registration function 【0033】 In this embodiment, an example is described in which the server device 100 implements the three subsystems and the functions that each of the three subsystems provides, but the arrangement of these subsystems and functions is not limited to this. For example, at least some of the functions of the common management system may be implemented by the user device 300 or other external devices. 【0034】 <2-2. Mapping Management> Referring to Figure 3, an example of managing the correspondence between payment method information and service information in integrated system 1 will be explained. 【0035】 A-1) Payment service provider registration function (1-1) As shown in Figure 3, the payment service provider device 200a provides (transmits) payment service provider information to the server device 100 based on instructions from the payment service provider. The payment service provider device 200a may also provide the server device 100 with payment method information of the payment method used by the user based on instructions from the user. The payment acquisition unit 111a of the server device 100 acquires this provided payment service provider information and / or payment method information and registers it in the storage unit 130. 【0036】 B-1) Service Provider Registration Function (1-2) The service provider device 200b provides service provider information to the server device 100 based on instructions from the service provider. The service provider device 200b may also provide service information used by the user to the server device 100 based on instructions from the user. The service information may include, for example, information about the use of one or more payment methods in the service by each user, such as the payment method registered for the service (hereinafter also referred to as "usage information"). The service acquisition unit 111b of the server device 100 acquires the provided service provider information and / or service information and registers it in the storage unit 130. 【0037】 Usage information may include, for example, the usage status of services and / or payment methods. Furthermore, usage information may include, for example, authentication history indicating that user authentication was successful at the payment service provider device 200a and / or the service provider device 200b for the payment method or service being used. 【0038】 D-1) Dashboard function, D-2) User registration function (1-3) The user inputs user information, payment method information for one or more payment methods used by the user, and / or service information for multiple services used by the user, to the dashboard screen displayed on the user device 300 (hereinafter also simply referred to as the "dashboard"). The dashboard, for example, accepts the input of this payment method information and service information together, and displays this information together. The acquisition unit 111 of the server device 100 acquires this input information and registers the information in association with the storage unit 130. 【0039】 The service information entered by the user may, for example, be the result of the user selecting a service from among several service options displayed on the dashboard. The user may also enter the service account information for the selected service on the dashboard. The acquisition unit 111 (service acquisition unit 111b) of the server device 100 may acquire the selected service and its service account information as service information. Furthermore, the acquisition unit 111 may link this service account information to the service provider device 200b and register this information as service information in the storage unit 130 if user authentication on the service provider device 200b is successful. The service information may, for example, include payment method information for one or more payment methods for each service as usage information. 【0040】 For example, a user may input usage information regarding their use of one or more payment methods within a service to a dashboard displayed on the user device 300. The usage information may be, for example, the result of the user selecting a payment method to use for each service they are using from among multiple payment methods displayed on the dashboard. The service acquisition unit 111b acquires the usage information as one of the service information items. 【0041】 D-3) Usage Status Registration Function (2) The determination unit 113a of the server device 100 determines the usage status of one or more payment methods in the service based on the usage information acquired above. This usage status may include, for example, not used, in use, or suspended. This usage status may also include, for example, the most recent usage date and time, usage frequency, and usage statistics (for example, the average amount used). 【0042】 (3) The mapping unit 113 of the server device 100 associates (links) each of the one or more payment methods with each of the multiple services based on the service information (usage information). 【0043】 (4) The display unit 114 of the server device 100 displays the association between each of the multiple services and each of the one or more payment methods on the dashboard of the user's user device 300, based on the user's input or on the user's instruction to refer to it. 【0044】 Under the above configuration, the integrated system 1 can display, in a dashboard format, the payment methods available to the user and the multiple services that utilize these payment methods, in a unified manner. Therefore, the integrated system 1 can easily manage the correspondence between the payment methods available to the user and the multiple services that utilize these payment methods. 【0045】 <2-3. Recommendations> Referring to Figure 4, an example of the processing involved in recommending payment methods and services to users in the integrated system 1 will be explained. 【0046】 A-2) Payment Method Offer Registration Function (1-1) As shown in Figure 4, the payment service provider device 200a provides (transmits) information to the server device 100 for proposing to the user a list of payment methods offered by the payment service provider (hereinafter also referred to as "payment method proposal information"), based on instructions from the payment service provider. The payment acquisition unit 111a of the server device 100 acquires this provided payment method proposal information and registers it in the storage unit 130. 【0047】 The proposed payment method information may include, for example, at least one of the following (a) to (c): (a) Conditions for users to whom payment method candidates are proposed (hereinafter also referred to as "payment proposal conditions"): For example, being a user of a specific service, or not being a user of a specific service, being a user who meets certain conditions in specific attributes such as age and / or gender (for example, being 20 years of age or older, or under 20 years of age), and / or not being a user currently using the proposed payment method, etc. (i) Proposed benefits: For example, bonus points, cash back, or discount coupons for the proposed payment method or other services of the partner company. (c) Conditions for granting the proposed benefits: For example, using the proposed payment method, using the proposed payment method at a specific store (including a real physical store and / or virtual store), using the proposed payment method within a specified period, using the proposed payment method in a specific region or a specific virtual space, etc. 【0048】 B-2) Service Offer Registration Function (1-2) Based on instructions from the service provider, the service provider device 200b provides the server device 100 with information (hereinafter also referred to as "service proposal information") for proposing to the user a list of service candidates (hereinafter also referred to as "service candidates") provided by the service provider. The service acquisition unit 111b of the server device 100 acquires this provided service proposal information and registers it in the storage unit 130. 【0049】 The service proposal information may include, for example, at least one of the following (a) to (c): (a) Conditions for users to whom the proposed service is intended (hereinafter also referred to as "service proposal conditions"): For example, being a user who uses a specific payment method, or not being a user who uses a specific payment method, being a user who meets certain conditions in specific attributes such as age and / or gender (for example, being 30 years of age or older and under 50 years of age), and / or not being a user who is currently using the proposed service, etc. (i) Proposed benefits: For example, bonus points, cash back, or discount coupons for the proposed service or other services of the partner company. (c) Conditions for granting the proposed benefits: For example, using the proposed service, using the proposed service at a specific store (including a real physical store and / or virtual store), using the proposed service within a specified period, using the proposed service in a specific region or a specific virtual space, etc. 【0050】 D-1) Dashboard function, D-2) User registration function (1-3) The user inputs information (hereinafter also referred to as "user proposal information") to the dashboard displayed on the user device 300 in order to receive proposals from payment service providers and / or service providers. The user acquisition unit 111c of the server device 100 acquires this input user proposal information and registers it in the storage unit 130 in association with already registered user information. 【0051】 User-suggested information may include, for example, at least one of the following (a) to (c): (a) Targets for which proposals are desired: For example, specifying a particular service candidate and / or a particular payment method candidate, specifying a payment method / service with a high number of registered users and / or associated users in integrated system 1, etc. (b) Desired benefits: For example, points redemption that can be used for services or payment methods (with a redemption rate of XX% or more), points awarded that can be used for services or payment methods (with a minimum of XX points awarded), cashback (with a cashback of XX yen or more), discount coupons (with a discount rate of XX% or more). (c) Conditions for obtaining the proposed benefit: Use of the proposed service or payment method, use of the proposed service or payment method at a specific store, use of the proposed service or payment method within the specified period, use of the proposed service or payment method in a specific region or a specific virtual space, etc. 【0052】 C-1) Service × Payment Method Control Function (2-1) The payment identification unit 112a of the server device 100 forms a population of users to whom each payment method is proposed. Specifically, the payment identification unit 112a identifies users to whom each payment method is proposed from among multiple users of the integrated system 1, based on the acquired payment proposal information and usage information or user information. 【0053】 (2-2) The service identification unit 112b of the server device 100 forms a population of target users for each service. Specifically, the service identification unit 112b identifies target users for each service from among multiple users of the integrated system 1 based on the acquired service proposal information and usage information or user information. 【0054】 C-2) User x Operator Control Function (3) The extraction unit 112d of the server device 100 extracts users whose proposed content matches their own preferences from the population of target users for each payment method and each service. Specifically, based on the user proposal information, the extraction unit 112d extracts users who wish to be proposed to from the target users identified in (2-1) and (2-2) above. 【0055】 C-3) Recommendation function (4) The display unit 114 of the server device 100 generates display information that displays proposals from businesses that match the preferences of each of the extracted users who wish to receive proposals on a dashboard or the like. Specifically, the display unit 114 may generate display information that limits the display of proposed payment method candidates to the extracted users who wish to receive proposals for these payment method candidates. The display unit 114 may also generate display information that limits the display of proposed service candidates to the extracted users who wish to receive proposals for these service candidates. 【0056】 The displayed information may consist of content such as text, audio, and / or images (including still and moving images). 【0057】 The displayed information may include, for example, payment service provider information for payment service providers offering proposed payment methods, or service provider information for service providers offering proposed services. The displayed information may also include, for example, payment method information (e.g., an overview of each payment method, a description of each function provided by each payment method, etc.) or service information (e.g., an overview of each service, a description of each function provided by each service, etc.). Furthermore, the displayed information may include, for example, the advantages of the payment method or service for the prospective user (e.g., the details of any benefits offered). Finally, the displayed information may include website address information for each proposed payment method, or website address information for each proposed service. 【0058】 D-1) Dashboard Functions (5) The display unit 114 of the server device 100 transmits the generated display information to the user device 300 as a result of user input such as the user suggestion information, or based on a user instruction to refer to it. The user device 300 displays this transmitted display information, i.e., suggestions of payment method candidates and / or service candidates that match the user's preferences, on the dashboard. 【0059】 Under the above configuration, integrated system 1 can propose services and payment methods to users, taking into account the wishes of service providers and payment providers, and provide opportunities to switch and / or review these services. Furthermore, it can limit proposals to only those that match the user's wishes, thus enabling efficient and user-friendly proposals. 【0060】 <3. Functional Configuration> Referring to Figure 5, the functional configuration of the server device 100 according to this embodiment will be described. As shown in Figure 5, the server device 100 comprises a control unit 110, a communication unit 120, and a storage unit 130. 【0061】 The control unit 110 includes an acquisition unit 111, a matching unit 113, and a display unit 114. The control unit 110 may also include, for example, a specification unit 112 and / or an authentication / authorization unit 115. 【0062】 [Acquisition Department] The acquisition unit 111 acquires various information and / or various designations from the operator's equipment 200 and / or user equipment 300, etc. 【0063】 The acquisition unit 111 may, for example, receive a message indicating the entered user information as it is entered by the user on the dashboard displayed by the user device 300. Another example is that the acquisition unit 111 may, for example, receive a data file of payment method information from the payment service provider device 200a cyclically or event-driven. Yet another example is that the acquisition unit 111 may, for example, instruct an API implemented by an external system (not shown), such as a cloud file system, to refer to service information and acquire service information as a result. The acquisition unit 111 may also acquire various information by, for example, allowing the user device 300 to use a library of the SDK corresponding to the integrated system 1. 【0064】 The acquisition unit 111 may include, for example, a payment acquisition unit 111a. The payment acquisition unit 111a acquires payment method information for each of one or more payment methods. 【0065】 The settlement acquisition unit 111a may, for example, acquire settlement proposal information for the settlement method candidates from the settlement service provider device 200a of a settlement service provider that provides one or more settlement method candidates. The settlement proposal information may include, for example, the settlement proposal conditions for the settlement method candidate, the details of the proposed benefits, and / or the conditions for granting the proposed benefits. 【0066】 The acquisition unit 111 includes a service acquisition unit 111b. The service acquisition unit 111b acquires service information for each of the multiple services used by the user. The service information includes usage information for each of the multiple services, specifically for the use of one or more payment methods by the user. 【0067】 The service acquisition unit 111b may, for example, acquire service proposal information from the service provider equipment 200b of a service provider that provides one or more service candidates. The service proposal information may include, for example, the service proposal conditions for the service candidates, the details of the proposed benefits, and / or the conditions for granting the proposed benefits. 【0068】 The acquisition unit 111 may include, for example, a user acquisition unit 111c. The user acquisition unit 111c may acquire user information for each of the multiple users from each of the multiple users' user devices 300. 【0069】 The user acquisition unit 111c may, for example, acquire user suggestion information from each user device 300 of multiple users, indicating the payment method candidates that the user wishes to receive. 【0070】 The user acquisition unit 111c may, for example, acquire user suggestion information from each user device 300 of multiple users, indicating the service candidates that the user wishes to receive suggestions for. 【0071】 The user acquisition unit 111c may acquire, for example, user specifications and instructions entered into the dashboard, etc., via the user device 300. The user acquisition unit 111c may also acquire, for example, information indicating the service specified by the user from among multiple services displayed on the dashboard. 【0072】 The user acquisition unit 111c may, for example, acquire the designation of a service or payment method being used from the user device 300, such as a dashboard. This designation may include, for example, service account information or payment account information corresponding to each of the designated services or payment methods. 【0073】 [Specific part] The identification unit 112 identifies information that matches the set conditions or user specifications from among multiple pieces of information. The identification unit 112 may include, for example, a payment identification unit 112a. The payment identification unit 112a refers to a storage unit 130 that stores payment method candidate information indicating one or more payment method candidates, and, based on the usage information, identifies a payment method candidate to propose to the user as a payment method to be used in the designated service from among one or more payment method candidates. The payment identification unit 112a may, for example, identify a payment method that the user has not yet used in the designated service as a payment method candidate from among one or more payment method candidates. 【0074】 The payment method candidate information may be generated by the payment method identification unit 112a based on the payment method information of payment methods that can be registered in the integrated system 1, and registered in the storage unit 130. 【0075】 The payment identification unit 112a may, for example, limit the identified payment method candidates to those whose payment proposal conditions match those of a user who has specified a designated service, based on the payment proposal condition information. When making this limitation, the payment identification unit 112a may calculate the degree of match between the user and the payment proposal conditions (hereinafter also referred to as the "payment method match rate"). For example, the payment identification unit 112a may calculate the payment method match rate as the percentage of items included in the payment proposal conditions that match the user's attributes, etc. 【0076】 The payment identification unit 112a may, for example, limit the identified payment method candidates to those whose calculated payment method matching degree is equal to or greater than a predetermined threshold. 【0077】 The payment identification unit 112a may, for example, identify the designated payment method (hereinafter also referred to as the "designated payment method") from among one or more payment methods based on the user designation obtained by the user acquisition unit 111c. 【0078】 The identification unit 112 may, for example, include a service identification unit 112b. The service identification unit 112b may, for example, identify a designated service (hereinafter also referred to as the "designated service") from among a plurality of services based on a user designation obtained by the user acquisition unit 111c. 【0079】 The service identification unit 112b may, for example, refer to a storage unit 130 that stores service candidate information indicating one or more service candidates, and from among the one or more service candidates, identify a service candidate to propose to the user as a service that uses the designated payment method, based on usage information. The service identification unit 112b may, for example, identify a service candidate from among the one or more service candidates that does not yet use the designated payment method. 【0080】 The service identification unit 112b may, for example, limit the identified service candidates to service candidates whose service proposal conditions match those of a user who has specified a designated payment method, based on the service proposal condition information. When making this limitation, the service identification unit 112b may calculate the degree of match between the user and the service proposal conditions (hereinafter also referred to as the "service match rate"). For example, the service identification unit 112b may calculate the service match rate as the percentage of items included in the service proposal conditions that match the user's attributes, etc. 【0081】 The service identification unit 112b may, for example, limit the identified service candidates to service candidates whose calculated service matching degree is equal to or greater than a predetermined threshold. 【0082】 The identification unit 112 may include, for example, a user identification unit 112c. The user identification unit 112c identifies the target user from among multiple users based on the payment method proposal condition information and usage information. 【0083】 The user identification unit 112c may, for example, identify candidate payment methods and / or service methods to propose to the user based on payment proposal condition information and / or service proposal condition information and user proposal information obtained from the user. 【0084】 The user identification unit 112c may include, for example, an extraction unit 112d. The extraction unit 112d extracts users who wish to be proposed to from among the proposed users identified by the user identification unit 112c, based on the user proposal information. The extraction unit 112d may, for example, extract users from among the proposed users identified by the payment proposal conditions and usage status shown by the payment service provider, who have a high degree of match between the payment methods provided by this payment service provider and their own preferences. Alternatively, the extraction unit 112d may, for example, extract users from among the proposed users identified by the service proposal conditions and usage status shown by the service provider, who have a high degree of match between the payment methods provided by this payment service provider and their own preferences. 【0085】 [Association Unit] Based on the service information, the association unit 113 associates each of the plurality of services with each of one or more settlement means. The information indicating this association may be registered in the storage unit 130 as part of the service information, settlement means information, and / or user information, or may be registered separately from these information. 【0086】 For example, the association unit 113 may associate each of one or more settlement means with each of the plurality of services as follows. - Association of the first service (Streaming Service A) with the first settlement means (Credit Card A) and the second settlement means (Debit Settlement (withdrawal from the account of Bank B)). In this case, it indicates that the first settlement means and the second settlement means are available in the first service. - Association of the second service (Commerce Service A) with the second settlement means (Debit Settlement (withdrawal from the account of Bank B)) and the third settlement means (QR Code (registered trademark) Settlement (Pay A)). In this case, it indicates that the second settlement means and the third settlement means are available in the second service. 【0087】 Based on the usage situation determined by the determination unit 113a, the association unit 113 may determine the degree of association between each settlement means and service. 【0088】 [Display Unit] The display unit 114 generates display information and transmits it to the user device 300 to cause various screens of the integrated system 1 such as a dashboard to be displayed on the user device 300. The display unit 114 collectively displays the association between each of the plurality of services and each of one or more settlement means on the user's user device 300. 【0089】 With the above configuration, the display unit 114 can display, in a dashboard or the like, the payment methods available to the user and the multiple services that utilize these payment methods in a coordinated manner. Therefore, the display unit 114 can easily manage the correspondence between the payment methods available to the user and the multiple services that utilize these payment methods. 【0090】 The display unit 114 may, for example, display the payment method information for one or more payment methods and the service information for each of the multiple services in the mapping display. With such a configuration, the user can view the information for each payment method and service together. Therefore, a screen display that allows for easy overview can be provided. 【0091】 The display unit 114 may, for example, associate the payment method candidates identified by the payment identification unit 112a with the designated service and display them on the user device 300 of the user who specified the designated service. 【0092】 With the above configuration, for a service specified by the user, the system can display payment method candidates identified based on the user's use of payment methods for each service. For example, instead of displaying payment methods already used for the specified service as candidates, which would be redundant, the system can narrow the display to only payment methods that have not yet been used. Thus, payment method candidates can be displayed effectively and in a user-friendly manner. 【0093】 The display unit 114 may, for example, associate the payment method candidates limited by the payment identification unit 112a with the designated service and display them on the user device 300 of the user who specified the designated service. 【0094】 According to the above configuration, the payment service provider can display payment method options for the service specified by the user, taking into account the user's criteria for the proposed service. For example, a payment service provider can narrow down the options to the type of user they desire and propose the payment methods they offer. Thus, a user-friendly recommendation function can be realized for payment service providers as well. 【0095】 The display unit 114 may, for example, display payment method candidates on the user device 300 of the target user identified by the user identification unit 112c. With this configuration, payment service providers can display payment method candidates to users who meet the target user criteria specified by the payment service provider, taking into account the user's usage of payment methods in the service. This enables payment service providers to realize a user-friendly recommendation function. 【0096】 The display unit 114 may, for example, limit the display of payment method candidates to the user devices 300 of users who have been identified by the user identification unit 112c and who have been identified by the extraction unit 112d as users who wish to be proposed to. 【0097】 According to the above configuration, payment method candidates can be displayed based on the user's preferences for payment method options. Therefore, payment service providers can propose their available payment method candidates only to users who meet their criteria and have expressed a desire for suggestions. Furthermore, since users receive payment method candidates that align with their preferences, a user-friendly recommendation function can be achieved. 【0098】 The display unit 114 may, for example, display the service candidates identified by the service identification unit 112b on the user's user device 300, associating them with the designated payment method. 【0099】 According to the above configuration, for a payment method specified by the user, service candidates can be displayed based on the user's usage of each service. For example, displaying services that the user has already used with the specified payment method would be redundant, but the system can narrow the display to only services that the user has not yet used. Thus, service candidates can be displayed effectively and in a user-friendly manner. 【0100】 The display unit 114 may, for example, associate the service candidates limited by the service identification unit 112b with the designated payment method and display the designated service on the user device 300 of the user who specified the service. 【0101】 According to the above configuration, the service provider can display service candidates based on the payment method specified by the user, taking into account the user's criteria for the proposed service. For example, a service provider can narrow down the candidates for the type of user they desire and propose them to the users. Thus, a user-friendly recommendation function can be realized for service providers as well. 【0102】 The display unit 114 may, for example, display service candidates on the user device 300 of the target user identified by the user identification unit 112c. With this configuration, service candidates can be displayed to users who meet the target user criteria specified by the service provider, taking into account the user's service usage status, etc. This enables the service provider to realize a user-friendly recommendation function. 【0103】 The display unit 114 may, for example, limit the display of service candidates to the user devices 300 of users who have been identified by the user identification unit 112c and who have been identified by the extraction unit 112d as users who wish to be proposed to. 【0104】 According to the above configuration, service candidates can be displayed based on the user's preferences for service suggestions. Therefore, service providers can propose service candidates specifically to users who meet their criteria and who have requested suggestions. Furthermore, since users receive service candidates that align with their preferences, a user-friendly recommendation function can be achieved. 【0105】 [Authorization and Authorization Department] The authentication and authorization unit 115 performs user authentication of the integrated system 1 based on authentication information obtained from the user device 300, etc. The authentication and authorization unit 115 may perform authentication cooperation with the payment service provider device 200a or the service provider device 200b using, for example, OpenID Connect. The authentication and authorization unit 115 may also cooperate by using OAuth or other technologies to authorize each function of the integrated system 1 to the service and / or payment method. 【0106】 The authentication and authorization unit 115 may request user authentication from the payment service provider device 200a or service provider device 200b where the corresponding account is registered, based on the service account information or payment account information obtained along with the designation of use for the service or payment method. When the authentication and authorization unit 115 obtains a response from each service provider device 200 indicating that this user authentication was successful, it may register an authentication history of "User authentication successful" in the usage status of the usage information for each service or payment method. When this user authentication is successful, the authentication and authorization unit 115 may register the service account information or payment account information obtained together in the storage unit 130. In addition, the authentication and authorization unit 115 may, for example, provide additional user authentication (e.g., authentication using SMS or email) and / or user identity verification for user authentication of the service or payment method. 【0107】 [g section] The communication unit 120 transmits and receives various information and / or various specifications, etc., to and from the operator equipment 200 and / or user equipment 300, etc., via the network N. 【0108】 [Storage] The storage unit 130 stores various information such as user information, payment method information, payment service provider information, service information, and / or service provider information. The storage unit 130 may store various information using a database management system (DBMS) or using a file system. When using a DBMS, for example, a table may be created for each of the above types of information, and the information may be managed by associating these tables. 【0109】 <4. Screen example> Refer to Figures 6-9 to explain an example screen of the integrated system 1. 【0110】 Figure 6 is a schematic diagram showing an example of how the dashboard displayed on the user device 300 looks when the services and payment methods used by the user are registered. As shown in Figure 6, Dashboard A1 is a screen that displays a list of the services (labeled "Digital Services" in Figures 6-9) and payment methods used by each logged-in user, providing a clear overview. 【0111】 Dashboard A1 includes a service list display area a11 that displays a list of services used by the user, and a payment list display area a12 that displays a list of payment methods used by the user. 【0112】 The service list display area a11 may display a list of services used by the user, divided by service type, such as "videos" and "shopping." Specifically, the service list display area a11 may include a video-related services display area a111 that displays services related to "videos," a shopping-related services display area a112 that displays services related to "shopping," and a service offer button a113 that specifies service candidates. 【0113】 The video-related service display area a111 may display multiple services, such as "Streaming A" (first service) and "Streaming B," as streaming services. Similarly, the shopping-related service display area a112 may display multiple services, such as "Commerce A" (second service) and "Commerce B," as e-commerce services. 【0114】 When the user selects (presses) the service offer button a113, the user device 300 sends information indicating that selection to the server device 100. When the user acquisition unit 111c of the server device 100 acquires this information, the display unit 114 displays the user suggestion setting screen A2 shown in Figure 7 on the user device 300. 【0115】 The payment list display area a12 may display a list of payment methods used by the user, separated by type, such as "credit card" and "QR code". Specifically, the payment list display area a12 may include a credit card payment display area a121 that displays payment methods belonging to "credit card", a QR code payment display area a122 that displays payment methods belonging to "QR", and a payment method offer button a123 that specifies a suggested payment method. 【0116】 The credit card payment display area a121 may display multiple credit card payment options, such as "Credit Card A" (first payment method) and "Credit Card B". Similarly, the QR code payment display area a122 may display multiple QR code payment options, such as "Pay A" (third payment method) and "Pay B". 【0117】 When the user selects the payment method offer button a123, the user device 300 sends information indicating this selection to the server device 100. When the user acquisition unit 111c of the server device 100 acquires this information, the display unit 114 displays the user suggestion setting screen A2 shown in Figure 7 on the user device 300. 【0118】 Figure 7 is a schematic diagram showing an example of a user suggestion setting screen displayed on the user device 300. As shown in Figure 7, the user suggestion setting screen A2 (labeled "Offer Preference Registration" in Figure 7) includes a suggestion specification area a21 for specifying user suggestion information and an OK button a22. 【0119】 The proposal specification area a21 is an area for the user to specify user proposal information. Specifically, the proposal specification area a21 may include at least one of the following areas: (a) area a211 for specifying the target to which the proposal is desired (labeled "Offer Target" in Figure 7), (b) area a212 for specifying the content of the benefits to which the proposal is desired (labeled "Offer Content" in Figure 7), and (c) area a213 for specifying the conditions for obtaining the benefits to which the proposal is desired (labeled "Offer Conditions" in Figure 7). In this example, both services and payment methods are targeted as the target to which the proposal is desired, but they may be displayed separately on different user proposal setting screens. 【0120】 When the user presses the OK button a22, the user device 300 sends user proposal information indicating the content specified in the proposal designation area a21 to the server device 100. When the user acquisition unit 111c of the server device 100 acquires this user proposal information, the user identification unit 112c identifies candidate payment methods and / or service methods to propose to the user based on the payment proposal condition information and / or service proposal condition information and the user proposal information. In this example, we will describe a case where there are two proposed payment method candidates. 【0121】 Figure 8 is a schematic diagram showing an example of a display on the user device 300 where the services and payment methods used by the user are associated with each other, and potential suggestions for the user are identified. 【0122】 As shown in Figure 8, Dashboard A1' displays each of the multiple services displayed in the service list display area a11 and each of the multiple payment methods displayed in the payment list display area a12 in a associated manner. This association may be made, for example, by user input on Dashboard A1, or it may be automatically made based on usage information contained in the service information. This input may be, for example, by dragging and dropping a specific service, moving it to the associated payment method, and then deselecting the service. 【0123】 Dashboard A1' may, for example, display a suggestion notification icon a13 in the service list display area a11 and / or payment list display area a12 based on the suggested service and / or payment method. In this example, we will explain how to display two suggested payment method candidates identified as described above in the payment list display area a12. The suggestion notification icon a13 displays text indicating that there are two suggested payment method candidates identified, such as "2 matching offers". 【0124】 When a user selects the suggestion notification icon a13, information indicating that selection is sent to the server device 100. When the user acquisition unit 111c of the server device 100 acquires this information, the display unit 114 displays the suggestion screen A3 shown in Figure 9 on the user device 300. 【0125】 Figure 9 is a schematic diagram showing an example of a user suggestion screen displayed on the user device 300. As shown in Figure 9, user suggestion screen A3 (labeled "Recommend" in Figure 9) is a screen for suggesting payment method options and / or service options to the user. 【0126】 The user suggestion screen A3 includes a suggestion candidate display area a31 that displays a list of one or more payment method candidates and / or service candidates. If the suggestion target is a payment method candidate, the suggestion candidate display area a31 may display the name of the payment method candidate (e.g., "XX Pay"), the degree of matching with the payment method, and recommended points (e.g., details of the benefits and / or the URL of the new account registration application page) for each payment method candidate. 【0127】 <5. Example of operation> Refer to Figures 10-11 to explain an example of the operation of the integrated system 1. Figure 10 is a flowchart showing an example of the processing flow when payment provider information and service information are registered in the integrated system 1. Figure 11 is a flowchart showing an example of the processing flow when the integrated system 1 proposes payment method candidates and service candidates to the user. Note that the order and units of processing shown in Figures 10-11 are examples and may be changed as appropriate. 【0128】 As shown in Figure 10, the service acquisition unit 111b of the server device 100 acquires service information (including usage information) for each of the multiple services used by the user (S10). The payment acquisition unit 111a of the server device 100 acquires payment method information for each of the one or more payment methods (S11). The mapping unit 113 of the server device 100 associates each of the multiple services with each of the one or more payment methods based on the service information (S12). The display unit 114 of the server device 100 displays the associations between each of the multiple services and each of the one or more payment methods on the user's user device 300 (S13). In addition, the display unit 114 displays the payment method information for each of the one or more payment methods and the service information for each of the multiple services in this display of associations (S14). 【0129】 As shown in Figure 11(a), the user acquisition unit 111c of the server device 100 acquires the user device 300's designation of the service it wishes to propose from among the multiple services displayed (S20). The service identification unit 112b of the server device 100 identifies the designated service from among the multiple services based on the user's designation (S21). The payment identification unit 112a of the server device 100 refers to the storage unit 130 which stores payment method candidate information and identifies a payment method candidate to propose to the user as a payment method to be used for the designated service, based on usage information, from among one or more payment method candidates (S22). The display unit 114 of the server device 100 displays the identified payment method candidate on the user's user device 300, associating it with the designated service (S23). 【0130】 As shown in Figure 11(b), the user acquisition unit 111c of the server device 100 acquires the user device 300's designation of the desired payment method from among the displayed multiple payment methods (S30). The payment identification unit 112a of the server device 100 identifies the designated payment method from among one or more payment methods based on the user's designation (S31). The service identification unit 112b of the server device 100 refers to the storage unit 130 which stores service candidate information and identifies a service candidate to propose to the user as a service that uses the designated payment method, based on the usage information, from among one or more service candidates (S32). The display unit 114 of the server device 100 displays the identified service candidate on the user device 300, associating it with the designated payment method (S33). 【0131】 <5. Hardware Configuration> Referring to Figure 12, an example of a hardware configuration when the server device 100 described above is implemented using a computer 800 will be explained. Note that the functions of each device can also be implemented by dividing them among multiple devices. 【0132】 As shown in Figure 12, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811, and a display device 813. 【0133】 The processor 801 controls various processes in the computer 800 by executing programs stored in memory 803. For example, the various functional units of the control unit 110 of the server device 100 can be realized by the processor 801 executing programs temporarily stored in memory 803. 【0134】 Memory 803 is a storage medium such as RAM (Random Access Memory). Memory 803 temporarily stores the program code of the program executed by the processor 801, as well as data required during program execution. 【0135】 The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 805 stores the operating system and various programs for realizing the above configurations. In addition, the storage device 805 can also store tables for registering various information such as user information, payment method information, and / or service information, and a database for managing those tables. Such programs and data are loaded into memory 803 as needed and accessed by the processor 801. 【0136】 The input interface unit 807 is a device for receiving input from the user. Specific examples of the input interface unit 807 include keyboards, mice, touch panels, various sensors, and wearable devices. The input interface unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus). 【0137】 The data interface unit 809 is a device for inputting data from outside the computer 800. Specific examples of the data interface unit 809 include drive devices for reading data stored on various storage media. The data interface unit 809 may also be located outside the computer 800. In that case, the data interface unit 809 would be connected to the computer 800 via an interface such as USB. 【0138】 The communication interface unit 811 is a device for performing data communication with external devices of the computer 800 via a network N, either wired or wirelessly. The communication interface unit 811 may also be located outside the computer 800. In that case, the communication interface unit 811 is connected to the computer 800 via an interface such as USB. 【0139】 The display device 813 is a device for displaying various types of information. Specific examples of the display device 813 include liquid crystal displays, organic EL (Electro-Luminescence) displays, and displays for wearable devices. The display device 813 may be located outside the computer 800. In that case, the display device 813 is connected to the computer 800, for example, via a display cable. Furthermore, if a touch panel is used as the input I / F unit 807, the display device 813 can be integrated with the input I / F unit 807. 【0140】 This embodiment is illustrative for explaining the present invention and is not intended to limit the invention to this embodiment alone. Furthermore, the present invention can be modified in various ways without departing from its essence. Moreover, those skilled in the art can adopt embodiments in which each of the elements described below is replaced with equivalent ones, and such embodiments are also included within the scope of the present invention. [Explanation of symbols] 【0141】 1...Integrated system, 100...Server device, 110...Control unit, 111...Acquisition unit, 112...Identification unit, 113...Mapping unit, 114...Display unit, 115...Authentication / authorization unit, 120...Communication unit, 130...Storage unit, 200...Operator device, 300...User device, 800...Computer, 801...Processor, 803...Memory, 805...Storage device, 807...Input I / F unit, 809...Data I / F unit, 811...Communication I / F unit, 813...Display device.

Claims

[Claim 1] On the computer, A service acquisition function that acquires service information for each of multiple services used by a user, wherein the service information includes usage information for each of the one or more payment methods used by the user in each of the multiple services, The aforementioned usage information includes information indicating the payment method registered for each of the aforementioned multiple services, and the authentication history of the payment method, and is a service acquisition function. Based on the usage information contained in the service information, a matching function determines the usage status of each of the one or more payment methods in each of the multiple services, including at least one of unused and in use, and associates the services and payment methods whose usage status is determined to be in use with the services and payment methods. A display function is provided that displays the association between each of the aforementioned multiple services and each of the aforementioned one or more payment methods on the user's device. program. [Claim 2] A payment acquisition function is implemented to acquire payment method information for each of the one or more payment methods mentioned above. The display function, in the display of the correspondence, displays the payment method information of each of the one or more payment methods and the service information of each of the multiple services. The program according to claim 1. [Claim 3] To the aforementioned computer, A service identification function that identifies a specified service from among the multiple services based on the user's specification, A payment identification function is implemented that, by referring to a storage unit that stores payment method candidate information indicating one or more payment method candidates, identifies a payment method candidate to be proposed to the user as a payment method to be used in the designated service, based on the usage information, from among the one or more payment method candidates. The display function displays the identified payment method candidates on the user's device, associating them with the designated service. The program according to claim 1 or 2. [Claim 4] The aforementioned computer is equipped with a payment acquisition function that acquires payment proposal condition information indicating the conditions of the user to whom the proposed payment method is offered, from the payment service provider's device of a payment service provider that provides one or more payment method candidates. The payment identification function, based on the payment proposal condition information, limits the identified payment method candidates to those payment method candidates that meet the conditions for the user who has specified the designated service. The display function displays the limited payment method candidates on the user's device, associating them with the designated service. The program according to claim 3. [Claim 5] The aforementioned computer is equipped with a payment acquisition function that acquires payment proposal condition information indicating the conditions of the user to whom the proposed payment method is offered, from the payment service provider's device of a payment service provider that provides one or more payment method candidates. The computer is equipped with a user identification function that identifies the target user from among multiple users based on the payment proposal conditions information and the usage information. The display function causes the payment method candidates to be displayed on the user device of the identified proposed user. The program according to claim 1 or 2. [Claim 6] The computer is equipped with a user acquisition function that acquires user suggestion information indicating preferred payment method candidates from each of the user devices of the multiple users. The computer is equipped with an extraction function that extracts users who wish to receive proposals from among the identified target users based on the user proposal information. The display function displays the payment method candidates only on the user devices of the extracted users who are interested in the proposal, among the identified users of the proposed recipients. The program according to claim 5. [Claim 7] To the aforementioned computer, A payment identification function that identifies a designated payment method from among the one or more payment methods based on the user's designation, A service identification function is implemented that refers to a storage unit that stores service candidate information indicating one or more service candidates, and identifies a service candidate from among the one or more service candidates to be proposed to the user as a service that uses the specified payment method, based on the usage information. The display function displays the identified service candidates on the user's device, associating them with the designated payment method. The program according to claim 1 or 2. [Claim 8] The aforementioned service acquisition function acquires service proposal condition information indicating the conditions of the target user for each of the one or more service candidates from the service provider equipment of the service provider that provides each of the service candidates. The service identification function, based on the service proposal condition information, limits the identified service candidates to those that meet the conditions for the user. The display function causes the limited service candidates to be displayed on the user device in association with the designated payment method. The program according to claim 7. [Claim 9] The aforementioned service acquisition function acquires service proposal condition information indicating the conditions of the target user for each of the one or more service candidates from the service provider equipment of the service provider that provides each of the service candidates. The computer is provided with a user identification function that identifies the target user from among multiple users based on the service proposal condition information and the usage information. The display function causes the service candidates to be displayed on the user device of the identified target user. The program according to claim 1. [Claim 10] To the aforementioned computer, A user acquisition function that acquires user suggestion information indicating the service candidates that the user wishes to be proposed with from each of the user devices of the aforementioned multiple users, The computer is provided with an extraction function that extracts users who wish to receive proposals from among the identified target users based on the user proposal information. The display function displays the service candidates only to the extracted users who have expressed interest in proposals from among the identified users of the proposed proposals. The program according to claim 9. [Claim 11] A service acquisition unit that acquires service information relating to each of a plurality of services used by a user, wherein the service information includes usage information relating to the user's use of one or more payment means in each of the plurality of services, The aforementioned usage information includes information indicating the payment method registered for each of the multiple services, and the authentication history of the payment method, and is provided by the service acquisition unit. Based on the usage information contained in the service information, a matching unit determines the usage status of each of the one or more payment methods in each of the multiple services, including at least one of unused and in use, and associates the services and payment methods whose determined usage status is in use with the services and payment methods. The system includes a display unit that displays on the user's device the association between each of the aforementioned multiple services and each of the aforementioned one or more payment methods. Information processing device. [Claim 12] Computers The user obtains service information for each of the multiple services used by the user, and the service information includes usage information for each of the one or more payment methods used by the user in each of the multiple services. The aforementioned usage information includes information indicating the payment method registered for each of the aforementioned multiple services, and the authentication history of the payment method. Based on the usage information contained in the service information, the usage status of each of the one or more payment methods in each of the multiple services is determined, including at least one of not being used and being used, and the determined usage status of the service being used is associated with the payment method. The association between each of the aforementioned multiple services and each of the aforementioned one or more payment methods is displayed together on the user's device. Information processing methods.

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