JP7754874B2 - Information processing device, service providing system, information processing system, information processing method, and program - Google Patents

Description

The present invention relates to an information processing device, a service providing system, an information processing system, an information processing method, and a program.

Technology is known for evaluating the reliability of information registered by users in order to use services over a network. For example, Patent Document 1 discloses technology for evaluating the reliability of information registered by a user by comparing that information with pre-stored personnel information.

Japanese Patent Application Laid-Open No. 2020-190955

The technology described in Patent Document 1 requires that personnel information corresponding to a user be prepared in advance in order to evaluate the reliability of the information registered by that user. As a result, for example, if there is a change in the content of the personnel information, the user must notify the institution or system that stores the personnel information of the change. However, with conventional technology, there are cases where personnel information is not updated promptly in accordance with the user's actual situation, for example, due to the user forgetting to notify of the change.

The present invention was made in consideration of these circumstances, and one of its objectives is to provide an information processing device, service providing system, information processing system, information processing method, and program that enable user information to be quickly changed in accordance with the user's actual situation.

One aspect of the present invention is an information processing device that includes an information acquisition unit that acquires user information held by a service provider as information for a user to use the service; a change determination unit that determines whether there has been a change in the content indicated by the user information based on payment service-related information held by a provider of an electronic payment service that is linked to a payment application program installed on the user's terminal device and that differs from the user information; and an update request unit that requests the terminal device to update the user information when the change determination unit determines that there has been a change in the content.

One aspect of the present invention makes it possible to quickly change user information depending on the user's actual situation.

FIG. 1 illustrates an example of the configuration of a system 1. FIG. 2 is a diagram illustrating an example of a functional configuration of a payment server 20. FIG. 10 is a diagram showing an example of a scene in which a user makes a payment using a payment application program of terminal device 10. 3 is a diagram showing an exemplary configuration of balance information 32 stored in a storage unit 30. FIG. 3 is a diagram showing an exemplary configuration of payment history information 34 stored in the storage unit 30. FIG. 3 is a diagram showing an exemplary configuration of upload information 36 stored in a storage unit 30. FIG. FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing device 60. 7 is a diagram showing an exemplary configuration of service user information 74 stored in a storage unit 70. FIG. 10 is a diagram for explaining the relationship between the balance information 32, payment history information 34, and upload information 36 stored by the storage unit 30 and the service user information 74 stored in the storage unit 70. FIG. 10 is a diagram showing an example of a change in the content indicated by the service user information 74, determined by the change determination unit 66. FIG. 7 is a diagram showing an exemplary configuration of integrated information 78 stored in a storage unit 70. FIG. 10 is a diagram showing an example of update request information displayed on the terminal device 10 when the update request unit 68 requests an update of the service user information 74. FIG. FIG. 2 is a sequence diagram showing an example of a flow of processing executed by the system 1.

Embodiments of the information processing device, service providing system, information processing system, information processing method, and program of the present invention will be described below with reference to the drawings.

Figure 1 is a diagram showing an example of the configuration of system 1. System 1 includes, for example, a terminal device 10, a payment server 20, a service server 40, and an information processing device 60. The combination of the service server 40 and the information processing device 60 is an example of a "service provision system," and the combination of a payment application program (described below) running on the terminal device 10, the payment server 20, and the information processing device 60 is an example of an "information processing system."

The terminal device 10, payment server 20, service server 40, and information processing device 60 communicate via a network NW. The network NW includes a wide area network (WAN), a local area network (LAN), the Internet, a cellular network, etc.

The terminal device 10 is a computer device with communication and display functions, such as a smartphone, personal computer, or tablet device. In the terminal device 10, a processor such as a CPU (Central Processing Unit) and a UA (User Agent) such as a browser or application program work together to display content on the display unit of the terminal device 10 and execute various processes.

The payment server 20, for example, provides content to the terminal device 10 in response to a request sent by the terminal device 10, or provides content by launching an application installed on the terminal device 10 and communicating with the launched application program. Examples of various processes include payment processing using electronic money. Details of the payment server 20 will be described later.

The service server 40 is, for example, a server device that provides content to the terminal device 10 in response to a request sent by the terminal device 10, or a server device that provides content when an application installed on the terminal device 10 is launched and communicates with the launched application program to send and receive various information. The service server 40 provides, for example, electronic money payment deferred payment services, news services, shopping services, auction services, matching services, stock trading services, banking services, social networking services, navigation services, and the like via a network. In this embodiment, for the sake of convenience, the service server 40 is assumed to provide an electronic money payment deferred payment service, but the service server 40 is not limited to this, and there may be multiple service servers 40 that provide different services.

Figure 2 is a diagram showing an example of the functional configuration of the payment server 20. The payment server 20 provides an electronic payment service. The payment server 20 includes, for example, an information acquisition unit 22, a payment management unit 24, a payment processing unit 26, and a memory unit 30. The information acquisition unit 22, the payment management unit 24, and the payment processing unit 26 perform payment-related processing, which will be described later, by executing programs stored in a memory device using a processor such as a CPU. The memory unit 30 stores, for example, balance information 32, payment history information 34, and upload information 36, which will be described later. The balance information 32, payment history information 34, and upload information 36 are examples of "payment service-related information."

The information acquisition unit 22 acquires information transmitted by a payment application program installed on the terminal device 10. The payment management unit 24 manages the information acquired by the information acquisition unit 22. For example, the payment management unit 24 manages the acquired information as payment service-related information. The payment processing unit 26 performs electronic payment processing in cooperation with the payment application program and a store terminal (not shown) that can use the payment services provided by the payment server. The payment server 20 manages, for example, the accounts of stores that are the subject of transactions and service providers that provide services to users, and realizes various payments by transferring electronic money between accounts in accordance with payment requests from users and stores.

For example, when a user presents a screen displaying code information (e.g., a barcode) generated by a payment application program to a store clerk and the store terminal reads the code information using a scanner or the like, the amount set in the store terminal, the store's identification information, and the user's identification information are sent to the payment server 20. For example, the code information may contain encoded user identification information, and the store terminal decodes the code information to obtain the user's identification information. It then transmits to the payment server 20 the store's identification information and the amount to be settled, which it stores in advance. The payment server 20 deducts the amount sent from the store terminal from the user's charged balance and performs the payment by associating a predetermined amount of the deducted amount with the store's identification information.

For example, when a user reads code information specified by a store using terminal device 10, operates terminal device 10 to input the amount to be paid, and performs an operation to make a payment, payment server 20 obtains information corresponding to the above operation, store identification information, and user identification information from terminal device 10. The payment server 20 then deducts the transmitted amount from the user's top-up balance and performs the payment by associating a predetermined amount of the deducted amount with the store identification information.

Figure 3 shows an example of a scene in which a user makes a payment using the payment application program of terminal device 10. As shown in Figure 3, the display unit of terminal device 10 displays code information read by a camera (not shown) of terminal device 10, the charge balance, a payment button PB1, and a deferred payment button PB2. The user can make a payment by entering the payment amount on terminal device 10 and pressing the payment button PB1. Alternatively, by pressing the deferred payment button PB2, the payment application program accesses the service server 40, allowing the user to use the deferred payment service provided by the service server 40. Here, a deferred payment service is a service that allows the user to purchase goods or services without making an advance deposit into an electronic payment service. The amount used by the user is settled, for example, by debiting the charge balance on a specified day of the following month. To use the deferred payment service, the user registers service user information with the service server 40. Details of this service user information will be described later with reference to Figure 8.

In Figure 3, the user accesses the service server 40 via a payment application program on the terminal device 10 to use the deferred payment service, so the terminal device 10 does not need to install a separate application program for executing the services provided by the service server 40. This allows the identification information of the terminal device 10 to be shared between the payment server 20 and the service server 40. For this reason, the following explanation may omit a description of the process for identifying the terminal device 10 that is executed as appropriate between the payment server 20 and the service server 40.

[Data configuration]
Next, the configurations of the balance information 32, payment history information 34, and upload information 36 stored in the storage unit 30 will be described with reference to Figures 4 to 6. Figure 4 is a diagram showing an example configuration of the balance information 32 stored in the storage unit 30. The balance information 32 is stored by the storage unit 30 for each user of the electronic payment service. As shown in Figure 4, the balance information 32 associates information such as summary, withdrawal, deposit, and charge balance with the date.

Summary is information indicating the reason for a withdrawal or deposit to the user's charge balance, such as a charge, a salary transfer, or the name of the store where the user purchased goods or services. Withdrawal is information indicating the amount debited from the user's charge balance. Deposit is information indicating the amount transferred to the user's charge balance. Charge balance is information indicating the amount remaining in the user's account after a withdrawal or deposit process has been executed. A salary transfer is an example of "payment information to the user."

Figure 5 is a diagram showing an exemplary configuration of payment history information 34 stored in the memory unit 30. The payment history information 34 is stored by the memory unit 30 for each user of the electronic payment service. As shown in Figure 5, the payment history information 34 associates information such as the payment location and payment amount with time. The payment location is information indicating the store where the user purchased goods or services using the electronic payment service. For convenience, Figure 5 lists only the store name, but GPS information (longitude and latitude information) indicating the location of the store may also be stored. The payment amount is information indicating the amount of goods or services purchased by the user using the electronic payment service.

Figure 6 is a diagram showing an exemplary configuration of the upload information 36 stored in the memory unit 30. The upload information 36 is information that the terminal device 10 periodically sends to the payment server 20 through background processing of the payment application program, and is stored in the memory unit 30 for each user of the electronic payment service. As shown in Figure 6, the upload information 36 associates information such as location with time. As an example, Figure 6 shows an example in which the terminal device 10 sends its GPS information (longitude and latitude information) to the payment server 20 every six hours, but the present invention is not limited to this configuration, and the upload information may be sent at predetermined time intervals, such as every hour.

[Information processing device]
7 is a diagram showing an example of the functional configuration of the information processing device 60. The information processing device 60 includes, for example, an information acquisition unit 62, a user information estimation unit 64, a change determination unit 66, an update request unit 68, and a storage unit 70. The information acquisition unit 62, the user information estimation unit 64, the change determination unit 66, and the update request unit 68 are realized by, for example, a hardware processor such as a CPU (Central Processing Unit) executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as a hard disk drive (HDD) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. It is not necessary for all of the above components to be realized by a single processor; distributed processing using multiple processors may be performed as appropriate. Furthermore, some or all of the functional configuration of the information processing device 60 may be included in the payment server 20.

The information acquisition unit 62 acquires user information registered with the electronic payment service, balance information 32, payment history information 34, and upload information 36 from the payment server 20, and stores this information in the storage unit 70 as payment service-related information 72. The information acquisition unit 62 also acquires user information held by the service server 40 as information for the user to use the deferred payment service, and stores this information in the storage unit 70 as service user information 74. The information acquisition unit 62 integrates the payment service-related information 72, user information estimated based on the payment service-related information 72 (details will be described later), and service user information 74, and manages them as integrated information 78. The integrated information 78 is comprehensive information about each user based on information acquired from the payment server 20 and the service server 40.

Figure 8 is a diagram showing an example configuration of service user information 74 stored in the memory unit 70. As shown in Figure 8, the service user information 74 associates information such as name, telephone number, email address, place of employment, address, and annual income with a user ID. When a user uses a deferred payment service, this information is entered on a usage application screen provided by the service server 40 using the terminal device 10 and sent to the service server 40. Because it is important to understand the user's creditworthiness in deferred payment services, the service user information 74 also stores information indicating the user's financial strength, such as place of employment and annual income.

Name is information indicating the name of the user corresponding to the user ID. Phone number is information indicating the phone number of the user corresponding to the user ID. Email address is information indicating the email address of the user corresponding to the user ID. Place of employment is information indicating the name of the company where the user corresponding to the user ID works. Address is information indicating the address of the residence where the user corresponding to the user ID lives. Annual income is information indicating the amount of income earned per year by the user corresponding to the user ID. This information was entered by the user corresponding to the user ID when they began using the deferred payment service, but after a certain period of time has passed, even if the content of the entered information changes, there is a problem that the content of the information may not be updated promptly, for example, because the user may forget to update the information.

The user information estimation unit 64 then estimates the content of the service user information 74 based on the payment service related information 72. More specifically, the user information estimation unit 64 estimates the content of each item of the service user information 74 based on the payment service related information 72, and stores the estimated content as estimated user information 76. Next, the change determination unit 66 compares the estimated user information 76 estimated by the user information estimation unit 64 with the service user information 74, and determines whether there has been a change in the content indicated by the service user information 74.

Figure 9 is a diagram illustrating the relationship between the balance information 32, payment history information 34, and upload information 36 stored by the memory unit 30 and the service user information 74 stored in the memory unit 70. The user information estimation unit 64 estimates the user's workplace information, for example, based on the payment location information included in the payment history information 34. The change determination unit 66 compares the estimated workplace information with the workplace information in the service user information 74 to determine whether there has been a change in the content indicated by the workplace information in the service user information 74. More specifically, referring to the payment history information 34 in Figure 5, the user used electronic payment services at Store A during the daytime every day in April and May. Therefore, the user information estimation unit 64 estimates that the user's workplace is near Store A, and the change determination unit 66 measures the distance between Store A and Trading Company C indicated by the workplace information in the service user information 74 based on map information (not shown) stored in the information processing device 60. In this case, the "distance" may be the straight-line distance connecting the GPS coordinates of Store A and Trading Company C, or the user's walking distance calculated based on the road structure set in the map information. The change determination unit 66 compares the measured distance with a threshold (e.g., 1 km), and if the distance is less than the threshold, determines that there has been no change in the content indicated by the workplace information in the service user information 74. In the case of Figure 5, Store A and Trading Company C are located across an intersection, and the distance between the two points is less than the threshold, so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information in the service user information 74.

Three months later, as shown at the bottom of the payment history information 34 in Figure 5, the user uses electronic payment services at Store C every day during the daytime in July and August. Therefore, the user information estimation unit 64 estimates that the user's workplace is near Store C, and the change determination unit 66 then remeasures the distance between Store C and Trading Company C, which is indicated by the workplace information in the service user information 74, and compares the measured distance with a threshold. Referring to Figure 9, because Store C and Trading Company C are far apart, the change determination unit 66 determines that the measured distance is greater than or equal to the threshold, and determines that there has been a change in the content indicated by the workplace information in the service user information 74.

Furthermore, for example, the user information estimation unit 64 estimates the user's address information based on the payment location information included in the payment history information 34, and the change determination unit 66 compares the estimated address information with the address information in the service user information 74 to determine whether there has been a change in the content indicated by the address information in the service user information 74. More specifically, referring to the payment history information 34 in FIG. 5, the user used electronic payment services at Store B every evening in April and May. Therefore, the user information estimation unit 64 estimates that the user's address is near Store B, and the change determination unit 66 measures the distance between Store B and the point indicated by the address information in the service user information 74 based on map information. In the case of FIG. 5, Store B and the point indicated by the address information in the service user information 74 are located across the road from each other, and the distance between the two points is less than the threshold value, so the change determination unit 66 determines that there has been no change in the content indicated by the address information in the service user information 74.

Three months later, as shown at the bottom of the payment history information 34 in Figure 5, the user uses electronic payment services at D Store every evening in July and August. Therefore, the user information estimation unit 64 estimates that the user's workplace is near D Store, and the change determination unit 66 then remeasures the distance between D Store and the location indicated by the address information in the service user information 74 and compares the measured distance with a threshold. Referring to Figure 9, because D Store and the location indicated by the address information in the service user information 74 are far apart, the change determination unit 66 determines that the measured distance is greater than or equal to the threshold and determines that there has been a change in the content indicated by the address information in the service user information 74.

In the above description, the user information estimation unit 64 estimates workplace information from the payment history of electronic payment services during the daytime, and estimates address information from the payment history of electronic payment services during the nighttime. However, the present invention is not limited to this configuration. For example, it is conceivable that some users arrive at work at night and leave work during the day. Therefore, the user information estimation unit 64 may estimate workplace information or address information further based on the uploaded information 36. For example, if the GPS coordinates in the uploaded information 36 during the nighttime indicate the location of an office building, the user information estimation unit 64 may estimate workplace information from the payment history of electronic payment services during the nighttime. Conversely, if the GPS coordinates in the uploaded information 36 during the daytime indicate the location of a residence, the user information estimation unit 64 may estimate address information from the payment history of electronic payment services during the daytime.

For example, the user information estimation unit 64 estimates the user's annual income information based on the deposit information included in the balance information 32, and the change determination unit 66 compares the estimated annual income information with the annual income information in the service user information 74 to determine whether there has been a change in the content indicated by the annual income information in the service user information 74. More specifically, referring to the balance information 32 in FIG. 4, 300,000 yen is deposited on the 6th of each month under the heading "salary transfer." Therefore, the user information estimation unit 64 estimates that the user's annual income is 3.6 million yen, and the change determination unit 66 compares this with the 3.6 million yen indicated by the annual income information in the service user information 74 and determines that there has been no change in the content indicated by the annual income information in the service user information 74 if the difference is less than a threshold (e.g., 1 million yen). In this case, since the difference is zero, the change determination unit 66 determines that there has been no change in the content indicated by the annual income information in the service user information 74.

After three months have passed, as shown at the bottom of the balance information 32 in Figure 4, the amount of salary deposited into the user's account has changed from 300,000 yen to 400,000 yen. Therefore, the user information estimation unit 64 estimates that the user's annual income is 4.8 million yen, and the change determination unit 66 compares this with the 3.6 million yen indicated by the annual income information in the service user information 74 and determines that the difference is greater than or equal to the threshold, i.e., determines that there has been a change in the content indicated by the annual income information in the service user information 74.

Furthermore, for example, the user information estimation unit 64 estimates the user's annual income information based on the payment amounts included in the payment history information 34. More specifically, for example, the user information estimation unit 64 totals the payment amounts included in the payment history information 34 of FIG. 5 over a one-month period, and estimates that the larger the total payment amount, the higher the user's annual income, and the smaller the total payment amount, the lower the user's annual income. The change determination unit 66 records the total payment amount for each month, and can determine that the user's annual income has increased (decreased) if the total payment amount increases (decreases). Further, for example, the user information estimation unit 64 can estimate the user's annual income by multiplying the total payment amount by a predetermined coefficient. In this case, the predetermined coefficient can be determined, for example, based on statistical data showing the relationship between the annual income information of multiple users and the payment amounts for one month. Furthermore, for example, the user information estimation unit 64 totals the amount of charges made by the user to the electronic payment service over a month based on the balance information 32, and estimates that the larger the total charge amount, the higher the user's annual income, and the smaller the total charge amount, the lower the user's annual income. The change determination unit 66 records the total charge amount each month, and can determine that the user's annual income has increased (decreased) if the total charge amount increases (decreases). Furthermore, for example, the user information estimation unit 64 can estimate the user's annual income by multiplying the total charge amount by a predetermined coefficient. In this case, the predetermined coefficient can be determined, for example, based on statistical data showing the relationship between the annual income information of multiple users and the charge amount for one month.

If the difference between the estimated annual income and the amount indicated by the annual income information in the service user information 74 is less than the threshold, the change determination unit 66 determines that there has been no change in the content indicated by the annual income information in the service user information 74. On the other hand, if the difference between the estimated annual income and the amount indicated by the annual income information in the service user information 74 is equal to or greater than the threshold, the change determination unit 66 determines that there has been a change in the content indicated by the annual income information in the service user information 74.

Also, for example, the user information estimation unit 64 estimates the user's workplace information based on the location information of the terminal device 10 included in the uploaded information 36, and the change determination unit 66 compares the estimated workplace information with the workplace information in the service user information 74 to determine whether there has been a change in the content indicated by the workplace information in the service user information 74. More specifically, if a location coordinate appears a predetermined number of times (e.g., three times) or more among multiple location coordinates included in the uploaded information 36 and indicates a workplace such as an office building based on map information, the user information estimation unit 64 estimates the location coordinate as the user's workplace information. For example, in the case of Figures 6 and 9, the user information estimation unit 64 estimates the location coordinate of "XX degrees, XX minutes, XX seconds" as the user's workplace, and the change determination unit 66 measures the distance between the location coordinate of "XX degrees, XX minutes, XX seconds" and C Corporation indicated by the workplace information in the service user information 74, and compares the measured distance with a threshold. As shown in Figure 9, the location coordinates of "XX degrees, XX minutes, XX seconds" match C Corporation, so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information in the service user information 74.

After three months have passed, as shown at the bottom of the upload information 36 in Figure 6, the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" appear more than a predetermined number of times, and since these location coordinates indicate an office building, the user information estimation unit 64 next estimates the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" as the user's workplace information. Next, the change determination unit 66 measures the distance between the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" and C Corporation indicated in the workplace information of the service user information 74, and compares the measured distance with a threshold. As shown in Figure 9, since the location coordinates of "ZZ degrees, ZZ minutes, ZZ seconds" are far from C Corporation, the change determination unit 66 determines that there has been a change in the content indicated by the workplace information of the service user information 74.

Furthermore, for example, the user information estimation unit 64 estimates the user's address information based on the location information of the terminal device 10 included in the uploaded information 36, and the change determination unit 66 compares the estimated address information with the address information in the service user information 74 to determine whether there has been a change in the content indicated by the address information in the service user information 74. More specifically, if a location coordinate appears a predetermined number of times (e.g., three times) or more among multiple location coordinates included in the uploaded information 36 and the address indicates, based on map information, for example, a residential area such as an apartment building, the user information estimation unit 64 estimates the location coordinate as the user's address information. For example, in the case of Figures 6 and 9, the user information estimation unit 64 estimates the location coordinate of "YY degrees, YY minutes, YY seconds" as the user's address, and the change determination unit 66 measures the distance between the location coordinate of "YY degrees, YY minutes, YY seconds" and "91-6, XX town" indicated by the address information in the service user information 74, and compares the measured distance with a threshold. As shown in Figure 9, the location coordinates of "YY degrees, YY minutes, YY seconds" match "XX town 91-6," so the change determination unit 66 determines that there has been no change in the content indicated by the workplace information in the service user information 74.

After three months have passed, as shown at the bottom of the upload information 36 in Figure 6, the location coordinates of "VV degrees, VV minutes, VV seconds" appear more than a predetermined number of times, and since these location coordinates indicate an apartment, the user information estimation unit 64 next estimates the location coordinates of "VV degrees, VV minutes, VV seconds" as the user's address information. Next, the change determination unit 66 measures the distance between the location coordinates of "VV degrees, VV minutes, VV seconds" and C Corporation indicated by the address information in the service user information 74, and compares the measured distance with a threshold. As shown in Figure 9, since the location coordinates of "VV degrees, VV minutes, VV seconds" are far from C Corporation, the change determination unit 66 determines that there has been a change in the content indicated by the address information in the service user information 74.

Figure 10 is a diagram showing an example of a change in the content indicated by the service user information 74, as determined by the change determination unit 66. As shown in Figure 10, based on the balance information 32, payment history information 34, and upload information 36, the change determination unit 66 determines that the content indicated by the workplace information in the service user information 74 has changed from near store A to near store D, that the content indicated by the address information in the service user information 74 has changed from near store B to near store C, and that the content indicated by the annual income information in the service user information 74 has changed from 3.6 million yen to 4.8 million yen.

When the change determination unit 66 determines that there has been a change in the content indicated by a certain item in the service user information 74, the update request unit 68 requests the terminal device 10 to update the service user information 74. More specifically, the update request unit 68 notifies the service server 40 that the content indicated by a certain item in the service user information 74 may have changed, and upon receiving this notification, the service server 40 displays update request information on the payment application program of the terminal device 10 to confirm the need to update the service user information 74.

Figure 11 is a diagram explaining integrated information 78. As shown in Figure 11, the information stored in the "Payment Service" column corresponds to user information (name, telephone number, email address) registered with the electronic payment service and user information (place of employment, address, annual income) estimated based on payment service-related information 72, the information stored in the "First Service" column corresponds to service user information 74, and the information stored in the "Second Service" and subsequent columns corresponds to service user information stored in other service servers linked to the electronic payment service.

When the change determination unit 66 determines that there has been a change in the information stored in the "Payment Service" column of the integrated information 78, the update request unit 68 may request the terminal device 10 to update the service user information 74 and notify the service server 40 (and other service servers) of the change in content. For example, in FIG. 11, when it is determined that there has been a change in the "Telephone Number" information stored in the "Payment Service" column, the update request unit 68 may request the terminal device 10 to update the "Telephone Number" and notify the service server 40 (and other service servers) of the change in content. Also, when the change determination unit 66 determines that there has been a change in the "Place of Work" information in the integrated information 78, the update request unit 68 may request the terminal device 10 to update the "Place of Work" and notify the service server 40 (and other service servers) of the change in content.

The update request unit 68 may not only notify the service server 40 of changes in information registered or estimated by the electronic payment service in one direction, but may also notify the payment server 20 and other service servers in two directions of changes in information registered by the service server 40. In other words, if a discrepancy occurs between the information stored in each column registered in the integrated information 78, the update request unit 68 may cause information indicating the discrepancy to be shared between the payment server 20 and the service server 40 as a whole.

When the integrated information 78 is generated, the following processing may be performed, for example. If the information processing device 60 determines that the information is user information based on some or all of the content, type, format, or labels associated with the information acquired from multiple service providers, the information processing device 60 aggregates the information as user information. The information processing device 60 recognizes the content of the information, and if it determines that the information is information such as the name, address, or email address of a target user managed in the integrated information 78, it associates the information as user information with the target item in the integrated information 78. Furthermore, if the information processing device 60 determines that the format of the information is a predetermined format, it associates the information as user information with the target item in the integrated information 78. For example, if an "@" is found after an alphabet, number, or combination thereof, and a character string that is presumed to be a domain such as "****.com" is included after the "@," the information processing device 60 determines that the information is a user's email address. The information processing device 60 may presumably presumes the domain based on dictionary information stored in advance, or if the information contains a predefined character string (e.g., ".com"), it presumes that the information is an email address. Additionally, the information processing device 60 may acquire from the service provider a label indicating the type of item information (for example, a label indicating that it is name information or email address information) along with the label information, and generate integrated information 78 based on the acquired information.

For example, each service server 40 may transmit information to the information processing device 60 in a different format. In this case, the information processing device 60 can determine the type of information item the acquired information corresponds to by referring to the content, type, format, label, and other information elements, as described above. For example, one service server may transmit "email;XXX@XXX.com," while another may transmit "mail address;XXX@XXX.com." Even when the email address field is notated differently, the information processing device 60 can determine that the information corresponds to an email address by analyzing, for example, specified dictionary information, keywords, or the meaning of characters. In this way, even when the service servers 40 provide information in different formats, the information processing device 60 can perform name matching, taking into account similarities in the specific information format, to determine which information item the information corresponds to. Note that when the service server 40 receives information from the information processing device 60, the service server 40 may also determine the type of information received by taking into account similarities in the information format, as described above.

Figure 12 shows an example of update request information displayed on the terminal device 10 when the update request unit 68 requests an update of the service user information 74. As described above with reference to Figure 10, the change determination unit 66 determines that there have been changes to the workplace information, address information, and annual income information, and therefore the update request unit 68 displays information on the payment application program of the terminal device 10 to confirm the need to update the workplace information, address information, and annual income information. This allows the user to confirm the need to update the service user information 74 on the terminal device 10 and quickly change the user information according to the user's actual situation. Note that while Figure 12 describes an example of specifically displaying information that is estimated to need to be updated, the present invention is not limited to this configuration, and an update confirmation message may be displayed without specifically specifying the user information that is estimated to need to be updated.

When the service server 40 is notified by the update request unit 68 that there may be a change in the content indicated by a certain item in the service user information 74, the service server 40 may change the content of the service to be provided to the user based on the notification. For example, in the case of Figure 10, the service server 40 may increase the upper limit of the deferred payment amount for the deferred payment service in response to receiving a notification indicating that the user's annual income may have changed from 3.6 million yen to 4.8 million yen.

[Sequence]
13 is a sequence diagram showing an example of the flow of processing executed by the system 1. First, the information processing device 60 detects a change in the content indicated by the service user information 74 based on the estimated user information 76 (S100). Next, the information processing device 60 notifies the service server 40 of the detected change in content (S101). Next, the service server 40 requests the terminal device 10 to update the service user information 74 (S102).

Next, when the terminal device 10 receives a request to update the service user information 74, it displays update request information on the display unit to confirm the need to update the service user information 74, and accepts input from the user to update the service user information 74 (S103). Next, the terminal device 10 transmits the updated service user information 74 to the service server 40 (S104). Next, when the service server 40 receives the updated service user information 74, it stores the updated service user information 74 in its own memory unit (S105).

Next, the service server 40 transmits the updated service user information 74 to the information processing device 60 (S106). Next, the information processing device 60 stores the received service user information 74 in the storage unit 70 (S107). This completes the processing of the sequence diagram.

In the above embodiment, if the change determination unit 66 determines that there has been a change in the content indicated by a certain item in the service user information 74, the terminal device 10 is requested to update the service user information 74. However, the present invention is not limited to this configuration, and may include a determination result providing unit that provides the result of the determination by the change determination unit 66 to the service server 40 without requesting an update from the terminal device 10. In this case, upon receiving the determination result, the service server 40 may change the content of the service to be provided to the user depending on the content of the determination result.

According to the embodiment of the present invention described above, the information processing device 60 estimates the content of the user information held by the service server 40 based on the payment service-related information held by the payment server 20, and if it determines based on the estimation result that there has been a change in the content indicated by the user information, it requests the terminal device 10 to update the user information. This makes it possible to quickly change the user information according to the user's actual situation.

The above describes the form for carrying out the present invention using an embodiment, but the present invention is in no way limited to such an embodiment, and various modifications and substitutions can be made without departing from the spirit of the present invention.

1. System, 10. Terminal Device, 20. Payment Server, 22. Information Acquisition Unit, 24. Payment Management Unit, 26. Payment Processing Unit, 30. Storage Unit, 32. Balance Information, 34. Payment History Information, 36. Upload Information, 40. Service Server, 60. Information Processing Device, 62. Information Acquisition Unit, 64. User Information Estimation Unit, 66. Change Determination Unit, 68. Update Request Unit, 70. Storage Unit, 72. Payment Service-Related Information, 74. Service User Information, 76. Estimated User Information

Claims (14)

a change determination unit that determines whether there has been a change in the content indicated by the payment service related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
a determination result providing unit that , when the change determining unit determines that there has been a change in the content, notifies a service server that provides a service different from the electronic payment service of the change in the content;
The payment service related information includes a payment history,
The payment service-related information includes annual income information of the user,
the change determination unit determines whether or not there has been a change in the content indicated by the annual income information based on information on the payment amount included in the payment history;
Information processing device. a change determination unit that determines whether there has been a change in the content indicated by the payment service related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
a determination result providing unit that , when the change determining unit determines that there has been a change in the content, notifies a service server that provides a service different from the electronic payment service of the change in the content;
the payment service-related information includes payment information to the user made using the electronic payment service;
The payment service-related information includes annual income information of the user,
the change determination unit determines whether or not there has been a change in the content indicated by the annual income information based on the payment information;
Information processing device. a change determination unit that determines whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on a user's terminal device , based on the payment amount included in the payment history of the electronic payment service or payment information made to the user using the electronic payment service ;
a determination result providing unit that, when the change determining unit determines that there has been a change in the content, notifies a service server that provides a service different from the electronic payment service of the change in the content;
An information processing device comprising: a change determination unit that determines whether there has been a change in the content indicated by the payment service related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
a determination result providing unit that, when the change determining unit determines that there has been a change in the content, notifies a service server that the user can access using the payment application program and that provides a service different from the electronic payment service on the payment application program of the change in content;
An information processing device comprising: An information processing device according to any one of claims 1 to 4 ;
the service server;
Equipped with
the service server changes the content of the service to be provided to the user in accordance with the determination result provided by the determination result providing unit.
Service delivery system. An information processing device according to any one of claims 1 to 4 ;
an electronic payment server;
a payment application program that displays code information in which user identification information is encoded on a display unit or reads code information provided in a store and executes an electronic payment service in cooperation with a payment server;
An information processing system comprising: The computer
Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, notify a service server that provides a service different from the electronic payment service of the change in the content ;
The payment service related information includes a payment history,
The payment service-related information includes annual income information of the user,
The determination is made based on information on the payment amount included in the payment history to determine whether or not there has been a change in the content indicated by the annual income information.
Information processing methods. On the computer,
determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, a service server that provides a service different from the electronic payment service is notified of the change in the content;
The payment service related information includes a payment history,
The payment service-related information includes annual income information of the user,
The determination is made based on information on the payment amount included in the payment history to determine whether or not there has been a change in the content indicated by the annual income information.
program. The computer
Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, notify a service server that provides a service different from the electronic payment service of the change in the content ;
the payment service-related information includes payment information to the user made using the electronic payment service;
The payment service-related information includes annual income information of the user,
The determination is made based on the payment information to determine whether or not there has been a change in the content indicated by the annual income information.
Information processing methods. On the computer,
determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, a service server that provides a service different from the electronic payment service is notified of the change in the content;
the payment service-related information includes payment information to the user made using the electronic payment service;
The payment service-related information includes annual income information of the user,
The determination is made based on the payment information to determine whether or not there has been a change in the content indicated by the annual income information.
program. The computer
Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device , based on the payment amount included in the payment history of the electronic payment service or payment information made to the user using the electronic payment service;
If it is determined that there has been a change in the content, notify a service server that provides a service different from the electronic payment service of the change in the content.
Information processing methods. On the computer,
determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device , based on the payment amount included in the payment history of the electronic payment service or payment information to the user made using the electronic payment service;
If it is determined that there has been a change in the content, a service server that provides a service different from the electronic payment service is notified of the change in the content.
program. The computer
Determine whether there has been a change in the content of payment service-related information held by the provider of the electronic payment service linked to the payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, notify a service server that is accessible by the user using the payment application program and that provides a service different from the electronic payment service on the payment application program of the change in content.
Information processing methods. On the computer,
determining whether there has been a change in the content of payment service-related information held by a provider of an electronic payment service linked to a payment application program installed on the user's terminal device;
If it is determined that there has been a change in the content, a service server that is accessible by the user using the payment application program and that provides a service different from the electronic payment service on the payment application program is notified of the change in the content.
program.