JP6979249B1 - Information processing equipment, information processing methods and programs - Google Patents

Abstract

PROBLEM TO BE SOLVED: To grasp the usage status of a credit card. SOLUTION: The information processing device is a usage statement acquisition unit for acquiring credit card usage statement data, a product information storage unit for storing product information related to a product, and an electronic transmission to a credit card user. The e-mail acquisition unit that acquires e-mail data, the transaction data extraction unit that analyzes e-mail data and extracts transaction data, and the transaction data and usage statement data are associated with each other, and the product information corresponding to the transaction data is specified. It is characterized by including a data matching unit and an output unit that outputs product information in association with usage detail data. [Selection diagram] Fig. 1

Description

The present invention relates to an information processing apparatus, an information processing method and a program.

Patent Document 1 describes associating credit card usage details information with usage history.

Japanese Unexamined Patent Publication No. 2017-162296

However, in Patent Document 1, the usage history is created based on the usage information of the credit card, and the usage history is created even if the usage information is illegally used.

The present invention has been made in view of such a background, and an object of the present invention is to provide a technique capable of grasping the usage status of a credit card.

The main invention of the present invention for solving the above-mentioned problems is an information processing apparatus, which includes a usage statement acquisition unit for acquiring credit card usage statement data, a product information storage unit for storing product information related to the product, and the above-mentioned. An e-mail acquisition unit that acquires e-mail data sent to a credit card user, a transaction data extraction unit that analyzes the e-mail data and extracts transaction data, and the transaction data and the usage statement data. It is characterized by including a data matching unit for specifying the product information corresponding to the transaction data, and an output unit for outputting the product information in association with the usage detail data.

Other problems disclosed in the present application and solutions thereof will be clarified by the columns and drawings of the embodiments of the invention.

According to the present invention, it is possible to grasp the usage status of a credit card.

It is a figure which shows the hardware configuration example of the information processing apparatus 10 which concerns on this embodiment. It is a figure which shows the software configuration example of the information processing apparatus 10 of this embodiment. It is a figure explaining an example of e-mail data. It is a figure explaining the operation of the information processing apparatus 10 of this embodiment.

<Outline of the invention>
The contents of the embodiments of the present invention will be described in a list. The present invention includes, for example, the following configuration.
[Item 1]
The usage statement acquisition unit that acquires credit card usage statement data,
A product information storage unit that stores product information related to products,
An e-mail acquisition unit that acquires e-mail data sent to the credit card user, and
A transaction data extraction unit that analyzes the e-mail data and extracts transaction data,
A data matching unit that associates the transaction data with the usage statement data and specifies the product information corresponding to the transaction data.
An output unit that outputs the product information in association with the usage detail data,
An information processing device characterized by being equipped with.
[Item 2]
The information processing device according to item 1.
The data matching unit confirms with the user whether or not the correspondence between the transaction data and the usage statement data is correct.
An information processing device characterized by.
[Item 3]
The information processing device according to item 2.
The data matching unit machine-learns the input from the user.
An information processing device characterized by.
[Item 4]
The information processing apparatus according to any one of items 1 to 3.
The transaction data extraction unit accesses the EC site to which the e-mail data is transmitted when the e-mail data does not include the transaction data but contains information for specifying the transaction data. Acquiring the transaction data,
An information processing device characterized by.
[Item 5]
The information processing apparatus according to any one of items 1 to 4.
The transaction data includes payment methods and
A product proposal unit that proposes a product to a user and proposes the use of the first payment means is further provided based on the transaction data including a second payment means other than the predetermined first payment means. ,
An information processing device characterized by.
[Item 6]
Steps to get credit card usage statement data,
Steps to memorize product information about products and
The step of acquiring the e-mail data sent to the credit card user, and
Steps to analyze the e-mail data and extract transaction data,
A step of associating the transaction data with the usage statement data and specifying the product information corresponding to the transaction data, and
A step of associating the product information with the usage detail data and outputting the product information.
An information processing method characterized by the execution of a computer.
[Item 7]
Steps to get credit card usage statement data,
Steps to memorize product information about products and
The step of acquiring the e-mail data sent to the credit card user, and
Steps to analyze the e-mail data and extract transaction data,
A step of associating the transaction data with the usage statement data and specifying the product information corresponding to the transaction data, and
A step of associating the product information with the usage detail data and outputting the product information.
A program that lets your computer run.

<System overview>
Hereinafter, the information processing apparatus 10 according to the embodiment of the present invention will be described. The information processing device 10 of the present embodiment electronically issues details of payment details displayed on a credit card usage statement when a commercial transaction is performed, such as when a product is purchased on an electronic commerce (EC) site. I'm trying to get it from an email. Although the transaction history sent by e-mail has the same meaning as the receipt in the real world, the current situation is that it is buried in a large amount of e-mail and is not effectively utilized. By linking with e-mail on the usage statement screen of a smartphone application or a credit card on the Web, it is possible to match the product name and give hints to the conventional statement. Specifically, the contents settled in the commercial transaction are arranged in a list together with the credit card usage details, and by facilitating the confirmation of expenses, it is possible to make it easier to find the actual product. In addition, if the total amount, date and time, and match with the store name are successful, a specific product name can be linked and displayed. Furthermore, if there is a suspicious point in the credit card usage statement, the user can confirm the transaction associated with the usage statement, so it is expected that self-sufficiency can be completed without contacting the credit card company, and the credit card. Support costs in the company can be reduced.

<Hardware configuration example>
FIG. 1 is a diagram showing a hardware configuration example of the information processing apparatus 10 according to the present embodiment. The information processing device 10 may be a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing. The configuration shown in the figure is an example, and may have other configurations. The information processing device includes a CPU 101, a memory 102, a storage device 103, a communication interface 104, an input device 105, and an output device 106. The storage device 103 stores various data and programs, such as a hard disk drive, a solid state drive, and a flash memory. The communication interface 104 is an interface for connecting to the communication network 3, for example, an adapter for connecting to Ethernet (registered trademark), a modem for connecting to a public telephone network, and a wireless communication device for performing wireless communication. , USB (Universal Serial Bus) connector for serial communication, RS232C connector, etc. The input device 105 is, for example, a keyboard, a mouse, a touch panel, a button, a microphone, or the like for inputting data. The output device 106 is, for example, a display, a printer, a speaker, or the like that outputs data. Each functional unit included in the information processing device 10 described later is realized by the CPU 101 reading a program stored in the storage device 103 into the memory 102 and executing the function unit, and the storage unit included in the information processing device 10 is a memory. It can be realized as a part of the storage area provided by 102 and the storage device 103.

<Software configuration example>
FIG. 2 is a diagram showing a software configuration example of the information processing apparatus 10 of the present embodiment. The information processing apparatus 10 includes a usage statement acquisition unit 111, a product information acquisition unit 112, an e-mail acquisition unit 113, a transaction data extraction unit 114, a data matching unit 115, a data output unit 116, a data correction unit 117, and an alert output unit 118. It includes a product proposal unit 119, a transaction data storage unit 131, a rule storage unit 132, a billing name storage unit 133, and a product information storage unit 134.

The usage statement acquisition unit 111 acquires the usage statement data of the credit card by the user. The usage statement acquisition unit 111, for example, calls an API from the server of the card company that issues the credit card, automatically logs in to the Web service, and scrapes the list of detail data. You can get the data. A known method can be used for the acquisition process of the usage detail data. The usage statement data may include the date of use of the credit card, the name of the store used, the user, the amount of money used, and the like.

The transaction data storage unit 131 stores information related to commercial transactions (hereinafter referred to as transaction data). The transaction data includes the transaction date, the store name of the store where the transaction was made, the payment amount for the product or service, the payment method, the shipping cost of the product, the transaction amount related to the transaction, the name of the product or service (product name), etc. It can be. The transaction amount is the final amount after adding the shipping fee to the payment amount and adding / subtracting according to points, fees, etc., and is the settlement amount to be settled. The payment method indicates which payment method is used for payment, such as a credit card, points, a prepaid card, or a QR code (registered trademark) payment.

The rule storage unit 132 stores rules for analyzing e-mail data. The rule storage unit 132 can store rules for each store. The rule may be, for example, a learning model in which e-mail data is learned by machine learning. The rule storage unit 132 further associates and stores the pattern of the address that is the source of the e-mail (the address itself may be used, or the address may be expressed by a regular expression or the like). It can also be.

The billing name storage unit 133 stores the name of the store that is the subject of the commercial transaction and the name of the claimant (detailed notation) that makes the bill as a member store of the credit card in association with each other.

The product information storage unit 134 stores information (hereinafter referred to as product information) related to a product subject to commercial transactions. In the product information, the user's purpose related to the product, the product category, the consumables flag, the product name, the product name pattern, the manufacturer name, the manufacturer name pattern, the product description, and the target are associated with the product ID that identifies the product. Attribute, list price, etc. may be included.

Multiple purposes can be set. For example, for a ballpoint pen, the purpose of "writing" and "decoration" can be set.

The category can be set for each purpose. The category may have a plurality of layers, and for example, a major classification, a middle classification, a minor classification, and the like can be set.

The consumables flag is information indicating whether or not the product is a consumable item.

The product name pattern can be a pattern in which the notational fluctuation of the product can be specified. Further, in addition to the official name of the product name, one or more names used for specifying the product, such as a common name or an abbreviation, may be set.

The target attribute may be, for example, information for specifying a user segment assumed by this product (demographic information, etc.), or information for specifying a user or segment who likes this product (segment information). The segment information can be a feature amount common to users corresponding to purchase data including a certain product ID.

The product information acquisition unit 112 acquires product information and registers it in the product information storage unit 134. The product information acquisition unit 112 can accept input of product information from an operator, for example. For example, it can be the product information attached to the JAN code. Further, the product information acquisition unit 112 accesses the server of the manufacturer or the retailer, for example, by reading the product information provided on the website by scraping, or when the server provides the API. , Product information can be acquired by calling the API. The product information acquisition unit 112 can register the acquired product information in the product information storage unit 134. When registering product information

The e-mail acquisition unit 113 acquires e-mail data addressed to the user. The e-mail acquisition unit 113 can access the mail server and acquire e-mail data from the user's mailbox according to a protocol such as POP (Post Office Protocol) or IMAP (Internet Message Access Protocol). The information processing apparatus 10 is provided with a mail server storage unit that manages the mail server to be accessed in association with the user ID, and the e-mail acquisition unit 113 accesses all the mail servers registered in the mail server storage unit. You can also try to collect e-mail data.

The transaction data extraction unit 114 analyzes the e-mail data and extracts the transaction data. Among the e-mail data, those related to commercial transactions include information related to transactions (transaction data). The transaction data extraction unit 114 can extract transaction data from the e-mail data according to the rules registered in the rule storage unit 132. The transaction data extraction unit 114 reads a rule corresponding to an address pattern in which the sender's address included in the e-mail data matches from the rule storage unit 132, and reads the transaction data from the e-mail data based on the read rule. Can be extracted. Further, the transaction data extraction unit 114 may apply all the rules stored in the rule storage unit 132 to use the one that succeeds in extracting the transaction data. In this case, the transaction data extraction unit 114 succeeds. The store name corresponding to the rule can be specified.

FIG. 3 is a diagram illustrating an example of e-mail data. FIG. 3 shows an example of a purchase notification mail 21 which is an e-mail notified when a product is purchased on an EC (electronic commerce) site. The purchase notification mail 21 contains text data indicating the date and time when the product was purchased 211, the purchased product 212, and the transaction amount 213 (including the payment amount and the shipping fee for the product). The transaction data extraction unit 114 can extract these data from the e-mail data according to the rules and create transaction data based on the extracted data.

Further, the transaction data extraction unit 114 acquires information for specifying the transaction history managed on the EC site or the like (for example, a URL for viewing the transaction history) from the e-mail data, and uses the acquired information as the information. Based on this, it is possible to access the EC site and acquire transaction data. In this case, the transaction data extraction unit 114 can extract the transaction data displayed as the transaction history from the linked Web page by a method such as scraping. Further, the transaction data extraction unit 114 may pass the information for specifying the transaction history extracted from the e-mail data to the API provided by the EC site to acquire the transaction data.

The data matching unit 115 associates transaction data and usage statement data. In the present embodiment, the billing name storage unit 133, which serves as master data for the notation of the store name displayed on the credit card usage statement side, is constructed and collates with the purchase history issued as an e-mail. The data matching unit 115 determines whether or not the usage amount (settlement amount) and usage date (settlement date) included in the usage details data match the transaction amount and transaction date included in the transaction data, and the usage details data It can be associated with transaction data. Further, when the detail notation matching the user store name included in the usage detail data is registered in the billing name storage unit 133, the data matching unit 115 uses the billing name storage unit 133 to store the store name corresponding to the detail notation. It may be read from, and whether or not the read store name and the store name of the transaction data match is used for the association.

Further, the data matching unit 115 may specify the product information corresponding to the transaction data matched with the usage detail data from the product information storage unit 134, and associate the specified product information with the usage detail data. The data matching unit 115 can specify, for example, product information in which the product name included in the transaction data matches the product name pattern. Further, when the transaction data includes the manufacturer name and the product name, the data matching unit 114 provides product information in which the manufacturer name matches the manufacturer name pattern and the product name matches the product name pattern. It can also be specified.

In addition to pattern matching, the data matching unit 115 may specify product information using, for example, a learning model that estimates product information by using each item of transaction data extracted from e-mail data as input data. can. In this case, for example, a learning model can be created and updated by machine learning using each item of transaction data as input data and the product ID that specifies the product information as teacher data.

The data matching unit 115 can also make the user confirm the pros and cons of matching for the e-mail data transmitted from the preset EC site. For example, the data matching unit 115 presents transaction data or product information for usage statement data, displays a confirmation message such as "Is this the content?", And inputs from the user whether or not the matching is correct. Only when it is accepted and the correctness is input, it can be determined that the match is successful. Here, if the matching fails, the matching may be performed again using another rule.

The data matching unit 115 can also allow the user to match the usage statement data with the product information for the e-mail data transmitted from the preset EC site or shop. In this case, the data matching unit 115 asks the user to confirm the similar transaction data or product data that does not completely match the usage statement data but whose similarity is equal to or less than the predetermined value as described above. can do.

<Display>
The data output unit 116 outputs the transaction data in association with the usage details data. The data output unit 116 may, for example, transmit the list data for displaying the usage details data and the transaction data in association with each other to the user terminal of the user, or transmit the list data to the server of the credit card company. You may do so. Thereby, when displaying the usage details in the credit card company, the transaction data associated with the usage details can be displayed by using the list data from the information processing apparatus 10 of the present embodiment.

Further, the data output unit 116 can output the product information corresponding to the transaction data in association with the usage detail data in place of the transaction data or in addition to the transaction data.

The data correction unit 117 receives the correction of the matching from the user. The data correction unit 117 can, for example, receive an indication from the user that the transaction data output by the data output unit 116 has an error in the matching. The data correction unit 117 can notify the operator of the received error.

In addition, the data correction unit 117 can also accept the designation of transaction data corresponding to the usage details data. For example, when an error is pointed out by the user, the data correction unit 117 transmits to the user terminal of the user so as to display all the transaction data or the data that is not matched with the usage statement data, and the user sends the data to the user terminal. It is possible to accept the specification of correct transaction data.

Further, the data correction unit 117 may learn to point out an error from the user. For example, when the rule is a learning model created by machine learning, the data correction unit 117 can update the learning model by reinforcement learning. It is also possible to use the learning model and pattern matching together to estimate product information using the learning model for transaction data that does not match the pattern.

<Fraud detection / guessing>
The alert output unit 118 can output an alert when the transaction data cannot be associated with the usage statement data. The alert output unit 118 may notify the alert by e-mail, may notify by a direct message or post on a social network (SNS), or may be carried by a user such as a smartphone. A push notification may be sent to the terminal, or a text message may be sent to the mobile phone by SMS or the like.

Further, when the data matching unit 115 succeeds in matching (matching the card payment and the purchase history), the alert output unit 118 notifies a message indicating that the matching has been performed or that the payment has been performed. You may try to do it.

<Product proposal>
The product proposal unit 119 can propose a product to the user. The product proposal unit 119 can specify a category of interest of the user based on, for example, transaction data and corresponding product information, and propose other products in the specified category to the user.

Further, the product proposal unit 119 can propose a product based only on the transaction data settled by a payment means different from the credit card related to the usage statement data. In this case, the product proposal unit 119 can propose payment with the credit card and reward (for example, grant points, issue coupons, etc.) on condition of payment with the credit card. This makes it possible to make so-called brand switch recommendations for credit card companies.

Further, when the transaction data is extracted from the e-mail data, the product proposal unit 119 displays an advertisement related to the credit card when the payment method included in the transaction data is different from the credit card related to the usage statement data. Or, along with the product proposal, you can propose a reward by using the credit card.

The information processing apparatus 10 may be provided with a campaign storage unit that stores campaign information from a credit card company, and may make a proposal according to the campaign information. For example, the campaign information includes the product or category, the designation of the payment method (credit card, etc.), the campaign period, and the information for specifying the target user. Advertisement to settle the specified product or the product belonging to the specified category by the specified payment method for the campaign information that is included in the campaign period and matches the target of the user. Can be displayed.

<Operation>
FIG. 4 is a diagram illustrating the operation of the information processing apparatus 10 of the present embodiment.

The e-mail acquisition unit 113 acquires the user's e-mail data (S301), and the transaction data extraction unit 114 extracts transaction data from the e-mail data (S302). As described above, the transaction data extraction unit 114 can read the rule corresponding to the pattern matching the sender of the e-mail from the rule storage unit 132, and can extract the transaction data according to the read rule. Further, the rules registered in the rule storage unit 132 may be tried in order until the transaction data is successfully extracted. The transaction data extraction unit 114 registers the extracted transaction data in the transaction data storage unit 131 (S303).

The usage statement acquisition unit 111 acquires usage statement data from, for example, a credit card website (S304). The data matching unit 115 searches for transaction data including the transaction date and the transaction amount, which matches the usage date and the usage amount of the usage details data, and performs the matching process (S305). The data matching may be performed using the store name in addition to the transaction date and transaction amount (usage date and usage amount). In this case, the data matching unit 115 reads the store name corresponding to the detail notation corresponding to the usage store name of the usage detail data from the billing name storage unit 133, and matches the read store name with the store name of the transaction data. Can be.

When transaction data including the transaction date and transaction amount matching the usage date and usage amount exists, that is, when the matching between the usage details data and the transaction data is successful (S306: YES), the data matching unit 115 makes a transaction. The product information corresponding to the data is specified from the product information storage unit 134 (S307), and the data output unit 116 outputs the usage details data in association with the product information (S308). Here, the alert output unit 118 may notify the user that the match has been successful.

On the other hand, if the matching between the usage details data and the transaction data fails (S306: NO), the alert output unit 118 outputs an alert (S309).

As described above, it is possible to output the credit card usage details and the transaction history sent by e-mail in association with each other.

Although the present embodiment has been described above, the above embodiment is for facilitating the understanding of the present invention, and is not for limiting the interpretation of the present invention. The present invention can be modified and improved without departing from the spirit thereof, and the present invention also includes an equivalent thereof.

For example, in the present embodiment, the information processing apparatus 10 proactively acquires the usage details data, but the present invention is not limited to this, and the usage details data is given from the outside, and the given usage details are given accordingly. It is also possible to collate the transaction data corresponding to the data and respond with the product information corresponding to the transaction data. For example, when a user browsing the usage statement discovers a suspicious usage statement (for example, when a request is made from a store name that he / she does not remember using), the usage statement data is transmitted to the information processing device 10. It can be given to confirm the transaction data corresponding to the usage statement data. In this case, for example, on the Web page of the credit card company or in the smartphone application for viewing the usage details, a list of usage details data is displayed, and buttons and links for confirming the details of the usage details data are arranged. Then, the usage statement data specified by the button or link is transmitted to the information processing device 10, the information processing device 10 returns the transaction data in response to this, and the transaction data replied by the Web page or application is displayed. Can be done.

111 Usage details acquisition unit 112 Product information acquisition unit 113 E-mail acquisition unit 114 Transaction data extraction unit 115 Data matching unit 116 Data output unit 117 Data correction unit 118 Alert output unit 119 Product proposal unit 131 Transaction data storage unit 132 Rule storage unit 133 Billing name storage unit 134 Product information storage unit

Claims (6)

The usage statement acquisition unit that acquires credit card usage statement data,
A product information storage unit that stores product information related to products,
An e-mail acquisition unit that acquires e-mail data sent to the credit card user, and
A transaction data extraction unit that analyzes the e-mail data and extracts transaction data,
A data matching unit that associates the transaction data with the usage statement data and specifies the product information corresponding to the transaction data from the product information storage unit.
An output unit that outputs the product information in association with the usage detail data,
An information processing device characterized by being equipped with. The information processing apparatus according to claim 1.
The data matching unit confirms with the user whether or not the correspondence between the transaction data and the usage statement data is correct.
An information processing device characterized by. The information processing apparatus according to claim 1 or 2.
The transaction data extraction unit accesses the EC site to which the e-mail data is transmitted when the e-mail data does not include the transaction data but contains information for specifying the transaction data. Acquiring the transaction data,
An information processing device characterized by. The information processing apparatus according to any one of claims 1 to 3.
The transaction data includes payment methods and
A product proposal unit that proposes a product to a user and proposes the use of the first payment means is further provided based on the transaction data including a second payment means other than the predetermined first payment means. ,
An information processing device characterized by. Steps to get credit card usage statement data,
Steps to memorize product information about products and
The step of acquiring the e-mail data sent to the credit card user, and
Steps to analyze the e-mail data and extract transaction data,
A step of associating the transaction data with the usage statement data and specifying the product information corresponding to the transaction data from the product information storage unit.
A step of associating the product information with the usage detail data and outputting the product information.
An information processing method characterized by the execution of a computer. Steps to get credit card usage statement data,
Steps to memorize product information about products and
The step of acquiring the e-mail data sent to the credit card user, and
Steps to analyze the e-mail data and extract transaction data,
A step of associating the transaction data with the usage statement data and specifying the product information corresponding to the transaction data from the product information storage unit.
A step of associating the product information with the usage detail data and outputting the product information.
A program that lets your computer run.

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