JP2021117614A - Payment support system - Google Patents

Abstract

To provide a settlement support system for helping a user appropriately select settlement means and a point giving program.SOLUTION: According to the present invention, a settlement support system preliminarily learns a tendency of settlement means and point giving programs in the past settlement executed by a user, and estimates settlement means suitable to the user according to its learning result.SELECTED DRAWING: Figure 1

Description

The present invention relates to a payment support system that assists a user in selecting a payment method.

Payment methods other than cash, such as credit cards and QR code payments, are widespread. Such a payment means may give a privilege to a payment person (hereinafter referred to as a user) by a mechanism such as point return or cash back. In addition to payment methods, various point-giving programs are provided in the form of point cards, etc., and users can also receive benefits from the point-giving program by using the point-giving program together at the time of payment. ..

When the user has a plurality of payment methods and point awarding programs, the user can select which payment method and point awarding program to use for payment. At this time, it is considered that the user evaluates the payment method and the point granting program from the viewpoint of the number of points granted and the ease of settlement, and selects the points at the time of settlement.

The following Patent Document 1 describes a technique for recommending a payment method suitable for a user. The document states, "Receiving the first payment method information applicable to the store from the first device, comparing the first payment method information with the second payment method information that can be utilized by the user, and comparing the results. This is a transaction-related service provision method that recommends a second payment method based on. 』Disclosures the technology (see summary).

The following Patent Document 2 describes a technique for searching a reward program or the like acquired by a user. The document states, "This disclosure tracks purchases and rewards for users of credit cards, debit cards or other traceable accounts. When a user is ready to purchase an item (eg, a retail item), the store terminal queries the system for information about the user's credit, debit, and other accounts. Information in the store reveals the category and price of the item. The system then calculates potential rewards for the user, depending on the card or other account used to settle the item. The user or clerk at the store then selects a card or other account (credit card or user account for the store or seller of the item) to settle the item. Similar methods can be used for online purchases, price information acquisition, and reward confirmation. 』Disclosures the technology (see summary).

Special Table 2014-522028 Special Table 2018-511101 Gazette

Patent Document 1 specifies available payment methods for each store and recommends payment methods suitable for the user. Which payment method is recommended is considered to be based on the number of benefits that the user obtains. However, the user does not always select the payment method based only on the number of benefits, and for example, if each user has a preferred payment method, he / she may try to select it. In Patent Document 1, it is considered that sufficient consideration is not given to appropriately reflecting such unique tastes of each user. In addition, the user may also use a point-giving program other than the payment means, and it is considered that Patent Document 1 does not fully consider the combination of such a payment means and the point-giving program.

Patent Document 2 searches for a reward program that can be obtained by a user. The user can select a payment method with a large reward from the search results. In the same document, the search results can also be ranked (see claim 10 and the like in the same document). This ranking is considered to be based on the amount of remuneration (see claim 13 and the like in the same document). However, the payment methods and point-giving programs that users prefer to use are not always based solely on the amount of rewards. It is considered that Patent Document 2 does not sufficiently consider such appropriate reflection of the unique preference of each user.

The present invention has been made in view of the above problems, and an object of the present invention is to provide a payment support system that assists a user in appropriately selecting a payment means and a point-giving program.

The payment support system according to the present invention learns in advance the tendency of the payment means and the point awarding program in the payment performed by the user in the past, and estimates the payment means suitable for the user according to the learning result.

According to the payment support system according to the present invention, the user can appropriately select the payment method and the point-giving program by learning in advance the tendency of the payment method and the point-giving program in the payment performed by the user in the past. Can support.

It is a block diagram of the settlement support system 10 which concerns on Embodiment 1. It is a processing flow diagram explaining the operation procedure of the settlement support system 10. It is a block diagram of the settlement support system 10 which concerns on Embodiment 2. It is a processing flow diagram explaining the operation procedure of the settlement support system 10 in Embodiment 2. It is a block diagram of the settlement support system 10 which concerns on Embodiment 3. It is a processing flow diagram explaining the operation procedure of the settlement support system 10 in Embodiment 3. This is an example of a screen in which the user terminal 200 displays a response to a payment means presentation request. This is another screen example in which the user terminal 200 displays a response to a payment means presentation request. This is another screen example in which the user terminal 200 displays a response to a payment means presentation request.

<Embodiment 1>
FIG. 1 is a configuration diagram of a payment support system 10 according to the first embodiment of the present invention. The payment support system 10 is a system that assists the user 300 in selecting a payment means to be used when purchasing a product or service. The payment method referred to here is, for example, a credit card, a QR code payment, a debit card, a carrier payment (payment using a mobile terminal of a mobile phone operator), or other payment means other than cash.

The payment support system 10 includes a server 100 and a user terminal 200. When selecting a payment means, the user 300 instructs the user terminal 200 to present an appropriate payment means. The user terminal 200 sends a request (payment means presentation request) requesting the server 100 to present a payment means suitable for the user 300. When the server 100 receives the request, it selects a payment method suitable for the user 300 and responds with the result.

The server 100 includes a payment means selection unit 110, a payment means identification unit 121, a point granting program identification unit 122, a point calculation unit 130, a store identification unit 150, a learning device 170, and a storage unit 180. The storage unit 180 is a storage device that stores each data used by the server 100.

The payment means selection unit 110 receives a request from the user terminal 200 requesting that the user 300 present a suitable payment means. The payment means selection unit 110 selects a payment means suitable for the user 300 by using the other function unit and the learning device 170, and responds the result to the user terminal 200.

The store identification unit 150 identifies the store where the user 300 intends to use the payment means. For example, when the user terminal 200 transmits a payment means presentation request, the position information of the GPS (Global Positioning System) included in the user terminal 200 is also transmitted. The store identification unit 150 can identify a store by comparing the location information with the location information of each store held in advance. If the store is a chain store, the chain name (for example, the company name of a convenience store chain) may be specified in place of the store or in combination with the store. In the following, for convenience of description, only stores will be specified.

The payment means specifying unit 121 acquires a list of payment means owned by the user 300. For example, the user 300 itself registers a list of payment means in the user terminal 200 in advance, and when the user terminal 200 issues a payment means presentation request to the server 100, the registered contents are also transmitted. Therefore, the payment means owned by the user 300 can be acquired. Alternatively, the ID of the user 300 and the list of payment means corresponding to the ID (list of payment means owned by the user) are stored in the storage unit 180 in advance, and the ID of the user 300 is transferred from the user terminal 200 to the server 100. By transmitting to the user 300, the payment means owned by the user 300 can be acquired. Other suitable methods may be used.

The payment means specifying unit 121 may narrow down only the payment means owned by the user 300 that can be used in the store specified by the store specifying unit 150. For example, the payment means that can be used at the store may be recorded in advance together with the location information of the store. As a result, when the payment means selection unit 110 returns the selection result in response to the payment means presentation request, it is possible to narrow down and present only the selection results for the payment means that can be used in the store. In the following explanation, the payment methods that can be used at the store will be narrowed down.

The point-giving program specifying unit 122 acquires a list of point-giving programs to which the user 300 is subscribed. The acquisition procedure is the same as the procedure for acquiring the payment means owned by the user 300. Similar to the payment means, the point awarding program specifying unit 122 may narrow down only those that can be used in the store specified by the store specifying unit 150. The point awarding program is typically provided together with a point card possessed by the user 300, but is not limited to this, and any service that can acquire points and other accumulable benefits by presenting it together with a payment method. It may be.

The point calculation unit 130 includes a payment means owned by the user 300 (specified by the payment method specifying unit 121) and a point giving program subscribed to by the user 300 (specified by the point giving program specifying unit 122). The number of points that can be acquired by the user 300 is calculated by the combination. The number of points for each combination of the payment means and the point granting program may be stored in the storage unit 180 in advance. For example, the number of points for each standard unit price (example: 1 point for every 100 yen) may be stored for each combination, and the number of points may be calculated using this.

When the number of points acquired by the user 300 varies depending on the payment amount, it is necessary to send the payment amount to the server 100 together with the payment means presentation request. Therefore, the user 300 needs to input the payment amount into the user terminal 200. If you want to save this time and effort, for example, the number of points acquired per 1 yen of the settlement amount (0.01 points / yen in the above example) can be used as equivalent to the number of points. This is because the number of points acquired by the user 300 is still represented in this case as well. In the following description, these will be referred to as the number of points without distinction.

The learning device 170 is based on (a) a payment means used in a payment performed by the user 300 in the past, a point-giving program used by the user 300 in combination with the payment means in the payment, and (c) a combination of the payment means and the point-giving program. Learn in advance the correspondence between the number of points acquired. When the learner 170 newly receives a combination of payment means / point granting program / number of points as an input, the learning device 170 determines the probability (or confidence level, the same applies hereinafter) that the user 300 selects the combination based on the result learned in advance. It is configured to estimate.

The payment means selection unit 110 includes (a) a payment means owned by the user 300 (specified by the payment means specifying unit 121), and (b) a point granting program (point granting program specifying unit 122 specified by the user 300). (Specified), (c) The number of points obtained by the combination of these (calculated by the point calculation unit 130) is input to the learner 170. If there are a plurality of combinations (input value sets) of (a) to (c), input each combination. The learner 170 estimates the probability that the user 300 selects a combination corresponding to the input value set according to the result learned in advance, and outputs the estimated result. The payment means selection unit 110 returns the estimation result acquired from the learning device 170 as a response to the payment means presentation request. Specifically, for each input value set, the probability that the user 300 selects the combination is returned.

The user terminal 200 presents a response from the payment means selection unit 110 to the user 300. For example, the combinations of the payment means and the point awarding program can be arranged and displayed on the screen in descending order of probability that the user 300 selects the points. The response content may be presented to the user 300 by other appropriate means.

FIG. 2 is a processing flow diagram illustrating an operation procedure of the payment support system 10. Hereinafter, an operation procedure when each functional unit of the payment support system 10 and the user terminal 200 processes a payment means presentation request will be described with reference to FIG.

The user 300 activates an application used to use the payment support system 10 on the user terminal 200. The application requests the store identification unit 150 to provide information about the store in which the user 300 intends to use the payment means (FIG. 2: (1) acquisition of store data). For example, the current position of the user terminal 200 can be used as a request parameter. The store identification unit 150 returns the ID of the store corresponding to the current position. If it is not possible to identify one store, the ID list of the candidate store may be returned.

The user terminal 200 displays the store name corresponding to the store ID on the screen. When there are a plurality of store candidates, the user 300 may be able to select them. If the store to be used does not match the store name on the screen, the user 300 selects the correct one from the other store candidates.

The process of identifying the store by the store identification unit 150 does not necessarily have to be performed at the beginning of this flow, and the store can also be specified while processing the payment means presentation request. However, in order for the user 300 to select the correct store on the user terminal 200, it is necessary to specify the store before issuing the payment means presentation request. An example is shown in FIG.

The user 300 instructs the application to present a payment means suitable for the user 300. The user terminal 200 sends a payment means presentation request to the server 100 according to the instruction (FIG. 2: (2) payment means presentation request). At this time, the ID of the store where the user 300 intends to use the payment means is included as the request parameter.

The payment method selection unit 110 receives a payment method presentation request. The payment means specifying unit 121 acquires a payment means that can be used by the user 300 at the store by using the store ID specified in the request (FIG. 2: (3) Acquisition of payment means). Similarly, the point awarding program specifying unit 122 acquires a point awarding program that can be used at the store (FIG. 2: (4) point awarding program acquisition). The payment means selection unit 110 acquires all combinations of available payment means and point awarding programs.

The point calculation unit 130 calculates the number of points that the user 300 can acquire for each combination of the payment means and the point granting program (FIG. 2: (5) point calculation). The payment means selection unit 110 acquires the probability that the user 300 selects the combination by inputting the combination of the payment means / point granting program / number of points (input value set) to the learner 170 (FIG. 2). : (6) Acquisition of estimation results). The payment means selection unit 110 returns the estimation result acquired from the learning device 170 to the user terminal 200 (FIG. 2: (7) response).

<Embodiment 1: Summary>
The payment support system 10 according to the first embodiment learns in advance the history of the payment means / point granting program / number of acquired points in the payment performed by the user 300 in the past, and is suitable for the user 300 according to the learning result. Present the payment method. Thereby, it is possible to support the user 300 to select the payment means that matches the preference of the user 300 without relying only on the number of points obtained by the combination of the payment means / the point granting program.

The payment support system 10 according to the first embodiment specifies in advance the payment means and the point awarding program that can be used in the store where the user 300 intends to use the payment means, and determines the probability that the user 300 selects the combination thereof. presume. As a result, the candidates for the payment means and the point-giving program to be presented to the user 300 can be narrowed down in advance. Therefore, the user 300 can appropriately select these combinations suitable for himself / herself.

<Embodiment 2>
The user 300 is typically subscribed to the point granting program by possessing a point card, but the payment business operator that provides the payment means may also provide its own point granting program. In addition to these points, both the settlement operator and the point awarding program operator may provide temporary additional points in the form of a campaign or the like. In the second embodiment of the present invention, a configuration example will be described in which a combination of a payment means and a point awarding program is presented to the user 300 when these are provided.

FIG. 3 is a configuration diagram of the payment support system 10 according to the second embodiment. In the second embodiment, the server 100 includes a settlement means point acquisition unit 141 and an additional point acquisition unit 142 in addition to the configuration described in the first embodiment. Since other configurations are the same as those in the first embodiment, the differences related to these will be mainly described below.

The payment means point acquisition unit 141 acquires points (payment means points) provided by the payment operator of the payment means owned by the user 300. At this time, only the points that can be used in the store specified by the store specifying unit 150 may be narrowed down and specified. The settlement means point acquisition unit 141 further acquires temporary points provided by the settlement operator (eg, campaign points of the settlement means). Similarly, only those that can be used at the store may be narrowed down. Since all of these are provided by the payment operator, they can be collectively processed as payment means points.

The additional point acquisition unit 142 acquires additional points (eg, campaign points of the point granting program) temporarily provided by the point granting program subscribed to by the user 300 in addition to the normal points. At this time, only the points that can be used in the store specified by the store specifying unit 150 may be narrowed down and specified.

For points provided by the payment method, points temporarily provided by the payment method, and points temporarily provided by the point awarding program, for example, data describing combinations that can be used for each store is stored in the storage unit 180 in advance. It may be stored, and the settlement means point acquisition unit 141 and the additional point acquisition unit 142 may acquire each point by referring to the data.

The point calculation unit 130 adds up the points acquired by the settlement means point acquisition unit 141 and the additional point acquisition unit 142 in addition to the points obtained by the combination of the payment means owned by the user 300 and the point granting program. The user 300 can acquire the total number of points.

The learning device 170 is based on (a) a payment means used in a payment performed by the user 300 in the past, a point-giving program used by the user 300 in combination with the payment means in the payment, and (c) a combination of the payment means and the point-giving program. In addition to the number of acquired points, (d) the number of payment method points provided by the payment method used in the payment (if there are campaign points, the number of temporary points), (e) in the payment. Learn in advance the correspondence between the number of additional points temporarily provided by the point granting program used in combination with the payment method.

FIG. 4 is a processing flow diagram illustrating an operation procedure of the payment support system 10 according to the second embodiment. Steps (4-1) and (4-2) are newly added between steps (4) and (5). The payment means point acquisition unit 141 acquires the payment means points that can be used by the user 300 at the store by using the store ID specified in the payment means presentation request (FIG. 4: (4-1) payment means). Get points). At this time, the campaign points temporarily provided by the payment method are also acquired. Similarly, the additional point acquisition unit 142 acquires additional points temporarily provided by the point granting program that can be used at the store (FIG. 4: (4-2) acquisition of additional points).

The payment means selection unit 110 acquires the probability that the user 300 selects the combination by inputting the combination of the payment means / point granting program / number of points / payment means points / additional points to the learner 170 ( Figure 4: (6) Acquisition of estimation results). After that, it is the same as the first embodiment.

<Embodiment 2: Summary>
The payment support system 10 according to the second embodiment acquires the payment means points provided by the payment operator of the payment means owned by the user 300 for each available store. The learning device 170 learns in advance the payment means points used in the payment performed by the user 300 in the past, and presents the payment means suitable for the user 300 according to the learning result. As a result, when the payment business operator provides a campaign or the like that encourages the use of the payment means, it is possible to reflect the preference of the user 300 for the campaign. Similarly, the preference of the user 300 can be reflected in the campaign provided by the point subscription program.

<Embodiment 3>
The payment business operator may provide temporary points through a campaign or the like in order to encourage the use of its own payment method. However, even if the campaign points are added, the probability that the user 300 selects the payment method may not be sufficiently high. In this case, the payment operator may wish to provide additional points in order to raise the ranking of its payment method. Therefore, in the third embodiment of the present invention, a configuration example for the settlement business operator to provide the additional points will be described. Since the other configurations are the same as those of the first and second embodiments, the differences related thereto will be mainly described below.

FIG. 5 is a configuration diagram of the payment support system 10 according to the third embodiment. In the third embodiment, the server 100 includes a settlement operator point setting unit 160 in addition to the configurations described in the first and second embodiments. FIG. 5 shows an example in which the settlement operator point setting unit 160 is added to the configuration of the second embodiment.

When the estimation result by the learning device 170 satisfies the predetermined condition, the settlement operator point setting unit 160 additionally grants the predetermined settlement operator points to its own settlement means. Typically, when the probability that the company's payment method is selected is low in the estimation results output by the learner 170 (eg, 6th or lower among 10 combinations), the payment operator points are given. Give. Other appropriate conditions may be set. For example, the amount of additional points can be changed according to the ranking. It is desirable to set the maximum number of times (for example, once) that additional settlement business points can be granted so that the settlement business points will not be continuously granted indefinitely.

The settlement business point referred to here is different from the points acquired by the settlement means point acquisition unit 141 in the second embodiment, and is given only when the estimation result satisfies the condition. It is considered that by further awarding the payment operator points, the ranking of the payment means will be raised, and the possibility that the user 300 will select the payment means will be increased. The settlement operator point setting unit 160 can also be provided for each settlement operator who wishes to award settlement operator points. In the following, for convenience of description, only one settlement business operator desires this.

FIG. 6 is a processing flow diagram illustrating an operation procedure of the payment support system 10 according to the third embodiment. Steps (1) to (6) are the same as those in the first and second embodiments. Steps (6-1) to (6-3) are newly added between steps (6) and (7).

The settlement operator point setting unit 160 acquires the estimation result by the learning device 170, and determines whether or not the estimation result satisfies a predetermined condition (eg, the order of the settlement means of the company is low). If it is satisfied, additional settlement business points will be given according to the prescribed rules (Fig. 6: (6-1) Settlement business points will be given).

The point calculation unit 130 assigns the settlement operator points and then recalculates the number of points acquired by the user 300 for each combination of the settlement means and the point granting program (FIG. 6: (6-2) point recalculation). ). The payment method selection unit 110 replaces the number of points input to the learning device 170 in step (6) with the recalculated points, and then inputs the payment method or the like to the learning device 170 again. The estimation result is acquired (Fig. 6: (6-3) Re-acquisition of estimation result). After that, it is the same as the first embodiment.

<Embodiment 3: Summary>
When the estimation result by the learning device 170 satisfies the condition, the payment support system 10 according to the third embodiment additionally grants the payment business operator points peculiar to the payment business operator according to the condition. As a result, the payment operator can increase the probability that the user 300 will select his / her own payment method.

<Embodiment 4>
In the first to third embodiments, as learning items to be learned by the learning device 170, (a) a payment means used in the payment performed by the user 300 in the past, and a point giving program used by the user 300 in combination with the payment means in the payment. (C) The number of points acquired by the combination of the payment method and the point granting program (the above-mentioned first embodiment), (d) the number of payment method points provided by the payment method used in the payment (when there are campaign points). Further exemplifies the number of temporary points) and (e) the number of additional points temporarily provided by the point-giving program used in combination with the payment means in the settlement (the above-mentioned second embodiment). In the fourth embodiment of the present invention, examples of other possible learning items and operations that can be performed by learning the items will be described. Since other configurations are the same as those of the first to third embodiments, the differences related to these will be mainly described below.

Which payment method / point awarding program combination the user 300 selects may be affected by the payment date and time. For example, it is possible that there is a tendency to use a specific payment method / point awarding program combination in a specific month or time zone. Alternatively, additional points such as a payment method or a campaign provided by a point awarding program may depend on a specific date and time. For example, there may be a campaign such as "Points will be awarded only on the 5th day of each month (5th, 15th, 25th)". Therefore, the learning device 170 may learn in advance the date and time (year / month / day, day of the week, time, etc.) of the settlement made by the user 300 in the past. The payment means selection unit 110 inputs the reception date and time of the payment means selection request to the learning device 170. This makes it possible to present a combination that is likely to be selected by the user 300 at the current date and time.

Among the combinations of payment methods / point granting programs presented by the user 300 in the payment method presentation request executed in the past, the one with the highest selection probability is considered to have a high possibility of being selected in the subsequent payment. .. Further, the combination selected even if the rank of the selection probability is low may be selected even if the rank is low in the estimation results in the subsequent payment means presentation request. That is, it is considered that the ranking among the estimation results in the payment means presentation request executed in the past has some correlation with the payment means / point granting program selected by the user 300 in the subsequent payment. Therefore, the learning device 170 may learn in advance the order of the combination of the payment means / point granting program presented by the user 300 in the payment means presentation request executed in the past.

In this case, the payment means selection unit 110 first determines the payment means / point granting program / number of points obtained by the payment means specifying unit 121 / point granting program specifying unit 122 / payment means point acquisition unit 141 / additional point acquisition unit 142. Get all combinations and sort the combinations according to the number of points (ie, in descending order of points). The payment means selection unit 110 inputs the order obtained by the sorting to the learning device 170. As a result, the learner 170 can output the estimation result according to the ranking in the past payment means presentation request learned in advance.

The number of points acquired by the user 300 at the time of payment may vary depending on the payment amount. Therefore, the learning device 170 may learn in advance the payment amount in the payment performed by the user 300 in the past. The payment means selection unit 110 can acquire the estimation result according to the payment amount learned in advance by inputting the amount to be settled by the user 300 into the learning device 170. However, in this case, when issuing the payment means presentation request, the user 300 needs to input the payment amount to the user terminal 200, and the user terminal 200 needs to transmit the input amount together with the payment means presentation request.

<Embodiment 5>
In the first to fourth embodiments, the user terminal 200 presents a response to the payment means presentation request to the user 300. Various conveniences can be provided to the user 300 depending on what kind of information is presented at this time. Therefore, in the fifth embodiment of the present invention, a screen example presented by the user terminal 200 to the user 300 will be described. Since other configurations are the same as those of the first to fourth embodiments, the screen on the user terminal 200 will be mainly described below.

FIG. 7 is an example of a screen in which the user terminal 200 displays a response to a payment means presentation request. The payment means selection unit 110 returns the probability that the user 300 selects the combination together with the combination of the payment means / point granting program. The user terminal 200 can display the combinations on the screen in descending order of the probability.

In addition to the combination, the user terminal 200 may also present useful information for the user 300. For example, it is possible to present how many yen the points acquired by the user 300 by the combination are converted into monetary amounts. In FIG. 7, for the second-ranked combination, an example is shown in which the points acquired by making a payment of 1000 yen are converted into monetary amounts. Similar information may be presented for all combinations, for example, the conversion amount may be presented when the user selects the arrow in FIG.

The amount obtained by converting the number of points into a monetary amount can be calculated based on, for example, information used when the point calculation unit 130 calculates the number of points (example: the number of points for each reference unit price). In this case, the payment means selection unit 110 transmits the information to the user terminal 200 together with the response. The user terminal 200 can present the information as shown in FIG. 7 by using the information.

When there are a plurality of store candidates specified by the store identification unit 150, the user terminal 200 can display the store candidates in the selection column at the upper part of FIG. 7. The user 300 can select the correct store from the stores displayed in the selection field. The user terminal 200 can notify the server 100 of the ID of the selected store in the payment means presentation request.

FIG. 8 is an example of another screen in which the user terminal 200 displays a response to a payment means presentation request. The payment means selection unit 110 may return the number of points acquired by the user 300 together with the response for the combination of the cash / point granting program as well as the combination of the payment means / point granting program. The user terminal 200 can also present a combination of cash / point granting program on the screen. For example, after ranking according to the number of points for each standard unit price, a cash / point awarding program combination can be presented in the ranking of other combinations. Similarly, when the point awarding program is not used only for cash settlement, it can be presented at the same time. As a result, the user 300 can easily grasp how much profit can be obtained by comparing the case of cash payment and the case of using other payment means.

FIG. 9 is an example of another screen in which the user terminal 200 displays a response to a payment means presentation request. The payment method selection unit 110 returns the result estimated by the learning device 170 as a response to the payment method presentation request, and together with this, returns the result of ranking according to the number of points calculated by the point calculation unit 130. (Or, the user terminal 200 may perform the ranking by returning only the number of points). In this case, the user terminal 200 acquires the result of ranking according to the magnitude of the number of points and the estimation result by the learner 170. The user terminal 200 may present these two results to the user 300 together.

In FIG. 9, an example in which two results are presented in the same display format (ranking for each combination of payment means / point awarding program) is shown, but the present invention is not limited to this. For example, it is conceivable to present the ranking result based on the number of points by visual information such as an icon image. The two results may be presented in parallel by any other suitable method. By presenting the two results together, the user 300 can verify the validity of the result presented by the payment support system 10.

<About a modified example of the present invention>
In the above embodiment, the payment means selection unit 110, the payment means identification unit 121, the point granting program identification unit 122, the point calculation unit 130, the store identification unit 150, the payment means point acquisition unit 141, the additional point acquisition unit 142, and the payment business. The person point setting unit 160 can be configured by hardware such as a circuit device that implements these functions, or by executing software that implements these functions by an arithmetic unit such as a CPU (Central Processing Unit). It can also be configured.

In the above embodiment, the learning device 170 can be configured by data describing the learning result and a program for estimating a payment means or the like suitable for the user 300 according to the data. As the learning algorithm of the learner 170, any learning method such as a neural network or other machine learning method can be used.

In the above embodiment, the learning device 170 may learn the past payment history for each user to generate a learning model for each user, or may collectively learn the payment history of a plurality of users to generate one learning model. May be generated. Since the tendencies of the payment methods preferred by the users may be similar, even when the payment histories of a plurality of users are combined into one learning model, a corresponding effect can be obtained. When a learning model is generated for each user, the ID of the user 300 may be transmitted together with the payment means presentation request, and the learning model corresponding to the user ID may be used.

In the above-described embodiment, the configuration example in which the server 100 includes each functional unit has been described, but these functional units can be distributed and implemented in a plurality of computers. In that case, necessary data can be acquired from each other by transmitting and receiving, for example, a store ID, to and from each computer.

10: Payment support system 100: Server 110: Payment means selection unit 121: Payment means identification unit 122: Point granting program specification unit 130: Point calculation unit 141: Payment means point acquisition unit 142: Additional point acquisition unit 150: Store identification unit 160: Settlement company point setting unit 200: User terminal 300: User

Claims (15)

A payment support system that helps users select a payment method.
Payment method identification unit that specifies the payment method owned by the user,
Point-giving program identification unit that specifies the point-giving program to which the user has subscribed,
A point calculation unit that calculates points obtained by combining the payment means and the point granting program,
A learning device that has learned in advance the correspondence between the payment method used in the payment performed by the user in the past, the point awarding program used in the payment, and the points acquired in the payment.
A payment method selection unit, which receives a request from the user to select a payment method, and selects at least one of a payment method or a point-giving program suitable for the user in response to the request.
With
The payment means selection unit gives the learning device the points obtained by the payment means owned by the user, the point giving program to which the user subscribes, and the combination of the payment means and the point giving program. The estimation result of estimating the payment method suitable for the user is acquired as the output of the learning device.
The payment means selection unit is a payment support system characterized in that the payment means acquired from the learning device is returned as a response to the request. The payment support system further includes a payment means point acquisition unit for acquiring payment means points provided by the payment means owned by the user separately from the point granting program.
In addition to the correspondence between the payment means used in the payment performed by the user in the past, the point granting program used in the payment, and the points acquired in the payment, the learning device is the payment means used in the payment. We have learned in advance the correspondence with the payment method points provided by
The payment means selection unit includes the payment means owned by the user, the point granting program to which the user subscribes, and the points obtained by the combination of the payment means and the point granting program, as well as the payment means. The payment support system according to claim 1, wherein the result of estimating a payment means suitable for the user is acquired as an output of the learning device by inputting points to the learning device. The payment support system further includes an additional point acquisition unit that acquires additional points provided separately from the point awarding program by the point awarding program subscribed to by the user.
In addition to the correspondence between the payment means used in the payment performed by the user in the past, the point awarding program used in the payment, and the points acquired in the payment, the learning device gives points used in the payment. We have learned in advance the correspondence with the additional points provided by the program.
The payment means selection unit includes the additional points in addition to the payment means owned by the user, the point granting program to which the user subscribes, and the points obtained by the combination of the payment means and the point granting program. The payment support system according to claim 1, wherein the result of estimating the payment means suitable for the user is acquired as the output of the learning device by inputting to the learning device. The payment support system further includes a store identification unit that identifies a store to be used when the user issues the request.
The payment means specifying unit specifies a usable payment means that can be used at the user store among the payment means owned by the user.
The point granting program specifying unit identifies a usable point granting program that can be used at the user store among the point granting programs subscribed to by the user.
The payment means selection unit inputs points obtained by the usable payment means, the usable point granting program, and the combination of the usable payment means and the usable point granting program as inputs to the learning device. The payment support system according to claim 1, wherein the result of estimating a payment means suitable for the user is acquired as an output of the learning device. The payment support system further includes a store identification unit that identifies a store to be used when the user issues the request.
The payment means point acquisition unit identifies the usable payment means points that can be used at the user store among the payment means points.
The payment means selection unit inputs the available payment means points to the learning device as the payment means points, and acquires the result of estimating the payment means suitable for the user as the output of the learning device. The settlement support system according to claim 2, wherein the payment support system is characterized in that the payment is made. The payment support system further includes a store identification unit that identifies a store to be used when the user issues the request.
The additional point acquisition unit identifies available additional points that can be used at the store where the additional points are used.
The payment means selection unit inputs the available additional points to the learning device as the additional points, and acquires the result of estimating the payment means suitable for the user as the output of the learning device. 3. The settlement support system according to claim 3. The payment support system further includes a payment business point setting unit that sets payment business points provided separately from the point granting program by the payment business of the payment means owned by the user.
The settlement means point acquisition unit identifies the result of adding the settlement means points and the settlement operator points as new settlement means points.
The payment means selection unit is characterized in that by inputting the new payment means points to the learning device, the result of estimating the payment means suitable for the user is acquired as the output of the learning device. The payment support system according to claim 2. The settlement support system further includes a storage unit for storing settlement operator point condition data that describes conditions for setting the settlement operator points.
The settlement operator point condition data describes the amount of the settlement operator points to be given according to the order in which the settlement means provided by the settlement operator is located in the estimation result output from the learning device.
The settlement support system according to claim 7, wherein the settlement operator point setting unit sets an amount of the settlement operator points to be granted according to the description of the settlement operator point condition data. The learning device is used between the payment method used in the payment performed by the user in the past, the point granting program used in the payment, the correspondence between the points acquired in the payment, and the date and time of the payment. I have learned the correspondence of
In addition to the payment means owned by the user, the point granting program to which the user subscribes, and the points obtained by the combination of the payment means and the point granting program, the payment means selection unit receives the request. The settlement according to claim 1, wherein the issued date and time is input to the learning device, and the result of estimating the payment means suitable for the user at that date and time is acquired as the output of the learning device. Support system. The learning device is used by the user in the payment in addition to the correspondence between the payment means used in the payment performed by the user in the past, the point granting program used in the payment, and the points acquired in the payment. We have learned in advance the correspondence between the payment method and the ranking on the estimation result.
The point calculation unit ranks the combination of the payment means and the point granting program according to the calculated amount of points.
The payment means selection unit calculates the points in addition to the payment means owned by the user, the point granting program to which the user subscribes, and the points obtained by the combination of the payment means and the point granting program. The settlement support according to claim 1, wherein the result of estimating the settlement means suitable for the user is acquired as the output of the learner by inputting the result of ranking by the department into the learner. system. The payment means selection unit is an input value set composed of a payment means owned by the user, a point granting program to which the user subscribes, and points obtained by a combination of the payment means and the point granting program. To the learner,
The learning device outputs the degree of certainty as to whether or not the payment method is suitable for the user for each input value set.
The payment support system according to claim 1, wherein the payment means selection unit returns the certainty degree for each input value set in addition to the payment means acquired from the learning device in the response. The payment means selection unit according to claim 1, wherein, as the content of the response, the points obtained by the combination of the payment means and the point granting program return the profit amount provided to the user. Payment support system. As the content of the response, the payment means selection unit determines how much profit the points obtained by the combination of the payment means and the point granting program make a cash settlement without using the payment means. The payment support system according to claim 1, wherein a value indicating whether or not to provide the user is returned. The payment support system further includes a store identification unit that identifies a store to be used when the user issues the request.
The payment support system further includes a user terminal used by the user to issue the request.
The store identification unit transmits data describing the store candidate list acquired by estimating the store to be used together with the estimation accuracy to the user terminal.
The payment support according to claim 1, wherein the user terminal includes a user interface that allows the user to select the store to be used from the store candidate list by presenting the store candidate list to the user. system. The payment support system further includes a user terminal used by the user to issue the request.
The point calculation unit ranks the combination of the payment means and the point granting program according to the calculated amount of points.
The payment support system according to claim 1, wherein the user terminal includes a user interface capable of comparing the ranking result by the point calculation unit and the estimation result by the learning device.

Images