JP7287938B2 - Selection device, selection method and selection program - Google Patents

Description

The present invention relates to a selection device, selection method and selection program.

Conventionally, techniques related to trading of financial products on the Internet are known. As an example of such a technique, an index value indicating the relationship between brands is calculated based on user information including the user's action history with respect to brand information, and brand information is provided to the user based on the calculated index value. is known.

JP 2018-005669 A

However, with the above-described technology, there are cases where it cannot be said that the financial product to be proposed to the user for purchase is appropriately selected.

For example, the above-described technology merely provides brand information based on the user's behavior of browsing brands on a finance site or searching for brands on a search site, and does not browse or search for brands. It may be difficult for the user to appropriately select the financial product to be purchased.

The present application has been made in view of the above, and aims to appropriately select a financial product to be proposed to a user for purchase.

A selection device according to the present application includes an acquisition unit that acquires amount information related to an amount of payment made by a user using a predetermined payment method, and proposes a purchase to the user based on the amount information acquired by the acquisition unit. and a selection unit for selecting a financial product to be used.

According to one aspect of the embodiment, it is possible to appropriately select the financial product to be purchased by the user.

FIG. 1 is a diagram illustrating an example of selection processing according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 3 is a diagram showing an example of an account database according to the embodiment. FIG. 4 is a diagram illustrating an example of an investment product database according to the embodiment; FIG. 5 is a diagram illustrating an example of a business operator information database according to the embodiment; FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; FIG. 7 is a flowchart illustrating an example of a selection process procedure according to the embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server.

Embodiments for implementing the selection device, selection method, and selection program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the selection device, selection method, and selection program according to the present application are not limited to this embodiment. Further, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Selection processing realized by the selection device and the like of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of selection processing according to the embodiment. In FIG. 1, it is assumed that the selection process and the like according to the embodiment are realized by the settlement server 10, which is an example of the selection device according to the embodiment.

As shown in FIG. 1, the selection system 1 according to the embodiment includes a payment server 10, a user terminal 100, and a store terminal 200. The payment server 10, the user terminal 100, and the store terminal 200 are connected by wire or wirelessly via a network N (see FIG. 2, for example) so that they can communicate with each other. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The selection system 1 shown in FIG. 1 may include a plurality of payment servers 10, a plurality of user terminals 100, and a plurality of shop terminals 200. FIG.

The settlement server 10 shown in FIG. 1 is an information processing device that executes selection processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the user terminal 100 . For example, the settlement server 10 manages the account of the provider (operator) of the transaction object and the account of the user to whom the transaction object is provided, and transfers electronic money between accounts according to the payment request from the user. By doing so, various settlements are realized. In addition, electronic money may be, for example, points or currency used independently by various companies, or may be electronically tradable currency provided by the state such as Japanese yen and dollars. good.

The settlement server 10 also provides finance services. For example, the payment server 10 serves as a financial service in an application (mini-app) launched within an electronic payment application (hereinafter sometimes simply referred to as a "payment application") using the user terminal 100. We provide a financial service that enables the purchase of financial products using the balance of the user's electronic money in the application and the points given to the user in the payment application. Hereinafter, an application that provides financial services may be simply referred to as a "finance application".

A user terminal 100 shown in FIG. 1 is an information processing device used by a user. The user terminal 100 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 100 displays information distributed by the settlement server 10 using a web browser or application. Note that the example shown in FIG. 1 shows a case where the user terminal 100 is a smart phone.

When the user terminal 100 receives control information for implementing predetermined information processing from the settlement server 10, the user terminal 100 implements the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is written in up language or the like. Note that the predetermined application itself distributed from the settlement server 10 may be regarded as the control information.

A store terminal 200 shown in FIG. 1 is an information processing device used in a store that provides transaction objects to users. The store terminal 200 is realized by, for example, a POS (Point of Sales) terminal, a smart phone, a tablet terminal, a notebook PC, a desktop PC, a mobile phone, a PDA, or the like. In addition, the store terminal 200 displays information distributed by the settlement server 10 using a web browser or an application.

In the example shown in FIG. 1, it is assumed that the store terminal 200 is a POS terminal installed in the store and manages product information related to products offered at the store. For example, the store terminal 200 manages product information such as the name of the product and the price of the product by linking it to the information indicated by the barcode attached to the product (identification information (product ID) for identifying the product). do.

[1-1. Payment using the user terminal 100]
Here, an example of payment (electronic payment) using the user terminal 100 will be described prior to the selection process executed by the payment server 10. FIG. In the following description, the user U1 uses a two-dimensional code (QR code (registered trademark)) placed at the store A and indicating the store identification information C1 for identifying the store A. An example of settlement using the user terminal 100 will be described, but the embodiment is not limited to this. An example of settlement described below is also applicable when any user uses any user terminal 100 to make a payment at any store. Moreover, the store identification information C1 may be not only a QR code, but also a bar code, a predetermined mark, a number, or the like.

For example, when user U1 makes a payment for using or purchasing a payment target (transaction target) such as various products and services at store A, user U1 installs a payment application in advance on user terminal 100. to start. Then, the user U1 photographs the store identification information C1 installed in the store A via the payment application. In such a case, the user terminal 100 displays a screen for inputting the price to be settled, and accepts the input of the payment amount from the user U1 or the store A clerk. Then, the user terminal 100 stores user identification information that identifies the user U1, and store identification information C1 (or information indicated by the store identification information C1, that is, information indicating the store A (for example, store ID)). , and the settlement amount are sent to the settlement server 10 .

In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A indicated by the store identification information C1. Then, the settlement server 10 transmits a notification that the settlement has been completed to the user terminal 100 . In such a case, the user terminal 100 notifies that the payment has been made with electronic money by outputting a screen or a predetermined voice indicating that the payment has been completed.

Note that the settlement using the user terminal 100 is not limited to the processing described above. For example, settlement using the user terminal 100 may be performed using the store terminal 200 installed in the store A. For example, the user terminal 100 displays user identification information for identifying user U1 on the screen. In such a case, the store terminal 200 installed in the store A reads the user identification information displayed on the user terminal 100, and the user identification information (or information indicated by the user identification information, that is, the user Payment information indicating information indicating U1 (for example, user ID), payment amount, and information identifying the store A is transmitted to the payment server 10 . In such a case, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of the user U1 indicated by the user identification information to the account of the store A, The fact that the payment has been made may be notified to the user terminal 100 by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the user terminal 100 includes not only the process of transferring electronic money from the account charged with electronic money in advance by the user U1 to the account of the store A, but also the credit card pre-registered by the user U1. Payment may be made using a card. In such a case, for example, the user terminal 100 transfers the electronic money of the settlement amount to the account of the store A, and requests the credit card management company (card company) of the user U1 for the settlement amount. You may

[1-2. Overview of Embodiment]
Here, conventionally, as a technology related to trading of financial products such as investment products on the Internet, an index value indicating the relationship between brands is calculated based on user information including the user's action history with respect to brand information, and the calculated index Techniques for providing stock information for presentation to users based on value are known. However, such technology merely provides brand information based on the user's behavior of browsing the brand on the finance site or the behavior of searching for the brand on the search site. In some cases, it cannot be said that the financial product to be proposed for purchase to the user is appropriately selected using the information regarding settlement using 100 .

Therefore, the settlement server 10 executes selection processing according to the embodiment. Selection processing executed by the settlement server 10 will be described below with reference to FIG. Note that the following description shows an example in which the user terminal 100 is used by the user U1. Also, in the following description, the user terminal 100 may be identified with the user U1. That is, the user U1 can be read as the user terminal 100 below.

Further, in the following description, an example in which the store terminal 200 is used by an administrator (clerk, etc.) M1 who manages a store A, which is a retail store (department store, supermarket, convenience store, etc.) is shown. Also, in the following description, the store terminal 200 may be identified with the administrator M1. That is, hereinafter, the manager M1 can be read as the store terminal 200 as well. Note that the store A may be a store that offers any type of industry and transaction target as long as the store allows users to make electronic payments using a payment application, for example.

Also, in the following description, the settlement server 10 manages information on investment products provided to users in finance services in its own storage unit. For example, the settlement server 10 stores, as information about investment products, the type of investment product (for example, stocks, investment trusts, etc.), the name of the investment product (brand name), the industry to which the company issuing the investment target stock belongs, the investment It manages information such as product prices (for example, stock prices and investment trust base prices), product details (for example, various classifications of stocks, Investment Trusts Association classifications of investment trusts, etc.).

First, a user U1 who visits the store A and purchases a product at the store A executes payment using the user terminal 100 described above. In the example of FIG. 1, it is assumed that the user U1 desires to make the above-described payment to the store A by reading the user identification information (user ID) by the store terminal 200. . In this case, the administrator M1 uses the shop terminal 200 to read the product ID of each product purchased by the user U1 and the user ID of the user U1 displayed on the user terminal 100 (step S1). . For example, the store terminal 200 reads the barcode (product ID) attached to the product and the user ID displayed on the user terminal 100 using a barcode reader or the like at the time of checkout.

Subsequently, the payment server 10 acquires payment information from the store terminal 200 (step S2). For example, the payment server 10 stores the store ID of the store A, the product ID read by the store terminal 200 in step S1, the total price of each product linked to the product ID (settlement amount), Payment information including a person ID is acquired from the store terminal 200 . The above is merely an example, and the user terminal 100 may read the store identification information C1 placed at the store A, and the user terminal 100 may transmit the settlement information to the settlement server 10. .

Subsequently, the payment server 10 executes payment processing based on the payment information acquired from the store terminal 200 (step S3). For example, the settlement server 10 transfers the amount of electronic money indicated by the settlement amount from the account of user U1 indicated by the user ID to the account of store A indicated by the store ID.

Subsequently, the settlement server 10 executes a selection process of selecting an investment product based on the amount information of settlement using the user terminal 100 used by the user U1 (step S4). For example, the settlement server 10 selects an investment product based on the amount information of the payment made by the user U1 at the store A as an investment product to be proposed for purchase to the user U1. In the example of FIG. 1, first, in order to explain the flow of processing, the settlement server 10 proposes an investment product with an amount corresponding to the settlement amount of the user U1 at the store A as an investment product to be purchased by the user U1. A case of selection will be described as an example. It should be noted that there are various variations in the selection of investment products based on settlement amount information, and the details of this point will be described later. For example, the settlement server 10 selects an investment product with a price corresponding to the settlement amount based on the settlement amount indicated by the amount information included in the settlement information. For example, the settlement server 10 selects an investment product whose price is within a predetermined range from the settlement amount of the user U1 at the store A as an investment product to be proposed to the user U1 for purchase. For example, the settlement server 10 selects, as an investment product to be proposed for purchase to the user U1, a stock whose price is within a predetermined difference from the settlement amount of the user U1 at the store A.

For example, when there are a plurality of target financial products such as investment products, the settlement server 10 selects a financial product to be purchased from among the plurality of financial products. Also, for example, if there is only one target financial product, the settlement server 10 may determine whether or not to propose that financial product. That is, selecting a financial product includes not only the process of selecting one of two or more financial products as a financial product to be proposed, but also the concept of determining whether to propose a financial product. Thus, the concept of the selection process performed by the settlement server 10 also includes the process of determining whether to propose one financial product. Subsequently, the settlement server 10 proposes purchase of the selected investment product to the user U1 via the settlement application (step S5). For example, the payment server 10 distributes to the user terminal 100 information suggesting purchase of the investment product selected in step S5 via a finance application, which is a mini-application activated within the payment application.

Subsequently, the settlement server 10 notifies information corresponding to the investment product purchased by the user U1 using the finance application (step S6). For example, when the user U1 purchases an investment product that invests in a company, the settlement server 10 collects information such as news articles about the company and the industry to which the company belongs, and based on the collected information, a predetermined notification. To give a specific example, when information about scandals (recalls, etc.) or poor business performance related to a company that is an investment target of an investment product purchased by user U1 is collected, the settlement server 10 A notification of proposing the sale is sent to the user U1.

As described above, the settlement server 10 selects an investment product to be proposed to the user for purchase based on the amount information regarding the amount of settlement using the user terminal 100 used by the user. As a result, the settlement server 10 can select an investment product suitable for the user based on the amount information of the settlement using electronic settlement, and propose the purchase of the investment product. That is, the settlement server 10 can appropriately select the financial product to be proposed to the user for purchase.

In addition, since the payment server 10 according to the embodiment can acquire information on the amount of money that the user has settled using the payment application, it is possible to acquire information indicating the amount that can be used by the user. You can choose financial products. In addition, the payment server 10 according to the embodiment proposes the purchase of a financial product via a finance app, which is a mini-app that is activated within the payment app. In addition, by enabling the points given at the time of payment to be invested, the user can be given an opportunity to purchase financial products. In addition, the payment server 10 according to the embodiment recommends a financial product corresponding to the amount settled using the payment application via the payment application, thereby proposing a financial product that the user may purchase. Therefore, it is possible to make a recommendation that does not give the user a sense of incongruity. In addition, since the payment server 10 according to the embodiment can acquire information on the amount of payment made by the user at the physical store using the payment application, the user does not bother to make a purchase in an online service such as an electronic commerce service. It is also possible to acquire information on the amount of payment for such products (for example, foodstuffs such as sweets), and it is possible to propose the purchase of financial products based on the off-line user's preferences. In this way, since the payment application and investment have a high affinity, the payment server 10 according to the embodiment can improve the quality of financial services.

[1-3. Selection processing example]
In the description of FIG. 1, in order to explain the flow of processing for selecting a financial product such as an investment product using settlement amount information, the case of selecting an investment product corresponding to the settlement amount was described as an example. The settlement server 10 may perform selection processing for selecting investment products in various ways. Regarding this point, examples are enumerated below as an example of FIG.

[1-3-1. Extraction of Investment Target Candidates]
For example, the settlement server 10 may select an investment product to be proposed to the user U1 for purchase, using information about the transaction target purchased by the store A and the user U1. In this case, the settlement server 10 uses the information about the transaction target purchased by the store A and the user U1, and selects investment product candidates for which the purchase is proposed to the user from among the investment products stored in the investment product database 32. Investment products (also referred to as “investment product candidates”) are extracted. For example, the settlement server 10 may extract investment product candidates in which store A is the investment target. For example, the settlement server 10 may extract investment product candidates whose investment target is the industry to which the store A belongs. Further, for example, the settlement server 10 may extract investment product candidates whose investment target is a company (for example, a manufacturer) related to the transaction target purchased by the user U1.

For example, the payment server 10 identifies each product purchased by the user U1 at the store A based on the product ID indicated by the payment information, and determines the investment related to the industry to which each product belongs and the business operator who is the manufacturer of each product. Products may be extracted as investment product candidates. For example, when user U1 purchases a product belonging to the industry "apparel", the settlement server 10 may extract investment products corresponding to the industry "apparel" as investment product candidates. For example, stocks of companies belonging to the industry "apparel" (in other words, theme stocks) and investment trusts (index funds, etc.) investing in the industry "apparel" may be extracted as investment product candidates.

In addition, if the business that is the manufacturer of the product purchased by the user U1 is listed, the settlement server 10 may extract investment products and investment product candidates corresponding to stocks issued by the business. For example, the settlement server 10 may extract, as investment product candidates, stocks issued by businesses, investment trusts investing in such stocks, and the like.

The settlement server 10 may also extract investment products related to products purchased by the user U1 as investment product candidates. For example, when the user U1 purchases golf equipment, the settlement server 10 selects an investment product that invests in companies related to golf (eg, golf equipment stores, golf equipment manufacturers, and golf course management companies). You may extract as an investment product candidate.

The settlement server 10 may also estimate the attributes of the user U1 based on the products purchased by the user U1, and extract investment products corresponding to the estimated attributes as investment product candidates. For example, when the user U1 purchases golf equipment, the settlement server 10 presumes that the attribute of the user U1 is "golf enthusiast", and selects an investment product that invests in golf-related companies as an investment product candidate. may be extracted. The above is merely an example, and the settlement server 10 may extract investment product candidates using various types of information.

Then, the settlement server 10 selects an investment product to be proposed for purchase to the user U1 from among the extracted investment product candidates based on the amount information of the settlement of the user U1. For example, the settlement server 10 selects an investment product with a price close to the settlement amount of the user U1 from among the extracted investment product candidates as an investment product to be proposed for purchase to the user U1.

[1-3-2. Selection process according to amount]
Moreover, the settlement server 10 may select an investment product to be proposed for purchase to the user U1 when the amount information regarding the settlement amount of the user U1 satisfies a predetermined condition. That is, in the example of FIG. 1, the settlement server 10 selects an investment product to be proposed for purchase to the user U1 when the amount information regarding the settlement amount of the user U1 satisfies a predetermined condition. Then, the settlement server 10 does not have to select an investment product to be proposed for purchase to the user U1 when the amount information regarding the settlement amount of the user U1 does not satisfy a predetermined condition.

For example, the settlement server 10 selects an investment product to be purchased by the user U1 when the amount indicated by the settlement amount information of the user U1 satisfies a predetermined condition. In this case, the settlement server 10 may select an investment product to be proposed for purchase to the user U1 when the amount indicated by the settlement amount information of the user U1 is equal to or greater than a predetermined threshold.

The settlement server 10 selects an investment product to be purchased by the user U1 according to the amount indicated by the settlement amount information of the user U1. For example, the settlement server 10 selects an investment product with a higher price as the amount indicated by the settlement amount information of the user U1 is larger. For example, when user U1 makes a large payment, the payment server 10 may select an investment product whose price is higher than the price normally proposed (normally proposed price).

Moreover, the settlement server 10 may select an investment product in a price range corresponding to the price of the product purchased by the user U1. For example, the settlement server 10 associates and manages a user's rank (for example, the estimated annual income of user U1) according to the product price and an investment product corresponding to the rank. The settlement server 10 then selects an investment product linked to the rank corresponding to the price of the product purchased by the user U1.

[1-3-3. Settlement amount in the period]
The settlement server 10 may select an investment product to be proposed for purchase to the user U1, using the amount information of the settlement amount of the user U1 in the period. In the following description, one month is taken as an example of the length of the period, but the length of the period is not limited to one month, and may be various lengths such as one week, half a month, three months, and one year.

The settlement server 10 selects an investment product to be proposed for purchase to the user U1, based on the amount information for the target period (for example, December 2020). For example, the payment server 10 acquires, from among the payment histories stored in the user information database 34 (see FIG. 6), the payment history corresponding to the target period (for example, December 2020). Use the amount information in the payment history. It should be noted that acquisition of money amount information for other periods is the same processing, and thus description thereof will be omitted as appropriate.

Based on the amount information in the target period and the amount information (also referred to as "other amount information") related to the amount of settlement using the user terminal 100 in the period prior to the target period, the settlement server 10 An investment product may be selected for purchase by U1. For example, the payment server 10 stores the amount information in December 2020, and the other information of the payment using the user terminal 100 in the period from December 2020 to one year ago (December 2019 to November 2020). Based on the amount information, an investment product to be proposed for purchase to the user U1 is selected. Note that the past period is not limited to one year, and may be various periods such as three months, half a year, and two years.

The settlement server 10 calculates the average value (also referred to as “past average value”) of the settlement amount (total amount) in each period from December 2019 to November 2020, and the settlement amount in December 2020 (total amount) to select an investment product to be purchased by the user U1. If the settlement amount (total amount) in December 2020 is smaller than the past average value from December 2019 to November 2020, the settlement server 10 calculates the settlement amount (total amount) in December 2020 from the past average value amount) is subtracted (also referred to as "estimated surplus"), an investment product to be proposed for purchase to the user U1 is selected. The settlement server 10 selects an investment product with a price corresponding to the estimated surplus. The settlement server 10 selects an investment product whose price is within a predetermined range (for example, ±10%) from the estimated surplus. For example, if the total payment amount (usage amount) of user U1 is 200,000 per month (for example, the past average is 200,000), the payment server 10 has a surplus of funds of 100,000 yen in December 2020. Recommend a financial product if there is one.

The settlement server 10 may select an investment product to be proposed for purchase to the user U1 based on a comparison between the settlement amount in the target period and the settlement amount in the immediately preceding period. For example, the settlement server 10 selects an investment product to be purchased by the user U1 based on the amount information in December 2020 and other amount information of the settlement using the user terminal 100 in November 2020. select. As described above, the settlement server 10 may use information on changes between the previous month and this month, or may take an average value for several months and make a recommendation if the value is lower than the average value.

For example, if the total settlement amount in December 2020 (also referred to as "first total amount") is smaller than the total settlement amount in November 2020 (also referred to as "second total amount") , according to the difference (estimated surplus) obtained by subtracting the first total amount from the second total amount, an investment product to be proposed for purchase to the user U1 is selected. The settlement server 10 selects an investment product with a price corresponding to the estimated surplus. The settlement server 10 selects an investment product whose price is within a predetermined range (for example, ±5%) from the estimated surplus.

For example, the settlement server 10 selects an investment product to be proposed to the user U1 for purchase according to the transition of the settlement amount (total amount) in each period from January 2020 to December 2020. For example, the payment server 10 regularly purchases when the fluctuation range of the total amount of monthly payments in one year from January 2020 to December 2020 is within a predetermined range (eg ±15%). Select the investment product that will be In this case, the settlement server 10 may select regular savings as an investment product to be proposed to the user U1 for purchase. Then, the settlement server 10 may propose to the user U1 to purchase the regular monthly savings.

The above is merely an example, and the settlement server 10 may appropriately use various information to select an investment product to be proposed to the user U1 for purchase. For example, the settlement server 10 selects bill payment such as an electronic bill or a paper bill (also referred to as "bill payment") as an investment product to be proposed to the user U1 for purchase, using information related to electronic settlement. You may For example, the settlement server 10 may select an investment product to be proposed to the user U1 for purchase, using the bill payment amount information for the electronic settlement of the user U1. For example, the settlement server 10 may propose to the user U1 to invest an amount that is cheaper than last month's fixed cost (for example, the difference between this month and last month) by bill payment. In addition, the settlement server 10 may propose to the user U1 that the amount of the fixed cost for bill payment that is cheaper than the previous month is automatically invested. In this case, if the user U1 permits, the settlement server 10 may process the purchase of the financial product using the difference between the fixed cost of bill payment for the user U1 and the previous month. Also, for example, the settlement server 10 may estimate the character of the user and select an investment product to be proposed to the user for purchase based on the estimated character, but this point will be described later.

[1-3-4. Extraction of Investment Target Candidates]
In the above example, the case of using the information of the payment amount of the user, that is, the information of the amount spent by the user has been described as an example. Various amounts of information may be used. For example, the settlement server 10 may use information on the amount of money held by the user to select an investment product to be proposed to the user for purchase. For example, the settlement server 10 may use balance information indicating the balance of a user's predetermined account (also referred to as "account balance") to select a financial product to be purchased by the user. In this case, the settlement server 10 may use information on the user's account balance stored in the account database 31 (see FIG. 3).

For example, if the amount indicated by the payment amount information for user U1 (also referred to as "usage amount") is less than a predetermined threshold, the payment server 10 may select an investment product to be proposed for purchase to user U1. good. The settlement server 10 does not propose the purchase of an investment product to the user when the account balance of the user is less than the predetermined amount even if the amount used for settlement by the user is less than the predetermined threshold. good. For example, when the user's payment amount is less than a predetermined threshold and the user's account balance is equal to or greater than a predetermined amount, the payment server 10 selects an investment product to be purchased by the user. good too.

In addition, the settlement server 10 may determine (select) whether or not to propose the purchase of an investment product to the user based on a comparison between the user's payment amount and the user's account balance. . The settlement server 10 proposes the purchase of an investment product to the user when the amount obtained by subtracting the user's settlement amount from the user's account balance (also referred to as "available amount") is less than a predetermined amount. It doesn't have to be. For example, the settlement server 10 may select an investment product to be proposed to the user for purchase when the available amount obtained by subtracting the user's settlement amount from the user's account balance is equal to or greater than a predetermined amount. . The settlement server 10 may select an investment product to be proposed to the user for purchase based on the available amount obtained by subtracting the user's settlement amount from the user's account balance. For example, the settlement server 10 selects an investment product whose price is within a predetermined range from the user's available amount as an investment product to be proposed for purchase to the user. In this way, the settlement server 10 can appropriately select the financial product to be proposed to the user for purchase by selecting the financial product based on not only the amount spent by the user but also the amount of money held by the user. can be done.

[2. Configuration of payment server]
Next, the configuration of the settlement server 10 will be described using FIG. FIG. 2 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 4 , the settlement server 10 has a communication section 20 , a storage section 30 and a control section 40 .

(Regarding communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 20 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 100, the store terminal 200, and the like.

(Regarding storage unit 30)
The storage unit 30 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31, an investment product database 32, a business operator information database 33, and a user information database .

(Regarding account database 31)
The account database 31 stores various information related to accounts (settlement accounts) owned by users, businesses, stores, etc. in the electronic settlement service. An example of information stored in the account database 31 will now be described with reference to FIG. FIG. 3 is a diagram showing an example of an account database according to the embodiment. In the example of FIG. 3, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. "Owner information" indicates information about the owner who owns the account, and stores, for example, identification information for identifying the owner. "Account balance" indicates the balance of the account.

That is, in FIG. 3, the information of the holder of the account identified by the account ID "AID #1" is "user #1", the account balance is "7,800 yen", and the withdrawal source information is "payment An example of "money origin information #1" is shown.

(Regarding investment product database 32)
The investment product database 32 stores various information on investment products provided in the finance service. Here, an example of information stored in the investment product database 32 will be described with reference to FIG. FIG. 4 is a diagram illustrating an example of an investment product database according to the embodiment; In the example of FIG. 4, the investment product database 32 has items such as "investment product ID", "type", "enterprise information", "brand name", "industry", "price", and "product details".

“Investment product ID” indicates identification information for identifying the investment product. “Type” indicates the type of investment product (for example, stocks, investment trusts, etc.). "Stock" indicates the name of the investment product. "Business information" indicates information about a business (company) that is an investment target, and stores, for example, identification information for identifying the business. The “industry” indicates the industry to which the company issuing the shares to be invested belongs. "Price" indicates the price of the investment product. The “product content” indicates the content of the investment product (for example, various classifications of stocks, classification of investment trusts by the Investment Trusts Association, etc.).

That is, in FIG. 4, the type of investment product identified by the investment product ID "CID#1" is "stock", the issue is indicated by "issue #1", and the business operator is indicated by "business information #1". An example is shown in which the business operator and industry are "industry #1", the price is "price #1", and the product description is "product description #1".

(Regarding the business operator information database 33)
The business operator information database 33 stores various types of information on business operators (companies) that provide transaction targets to users. Here, an example of information stored in the business operator information database 33 will be described with reference to FIG. FIG. 5 is a diagram illustrating an example of a store information database according to the embodiment; In the example of FIG. 5, the operator information database 33 has items such as "enterprise ID", "industry", "trading target", and "listing status".

"Business ID" indicates identification information for identifying the business that manages the store. "Industry" indicates the industry to which the transaction target provided by the business belongs. "Trading object" indicates a trading object provided (manufactured) by a business operator. "Listed" indicates whether or not the business operator is listed. For example, information such as "Yes" indicating that the business is listed and "No" indicating that it is not listed is stored.

That is, in FIG. 5, the operator identified by the operator ID "MID#1" provides the transaction object "transaction object #1", the industry to which the transaction object belongs is "industry #1", and the operator is Indicates that the company is listed.

(Regarding the user information database 34)
The user information database 34 stores various information about users of services provided by the settlement server 10 . An example of information stored in the user information database 34 will now be described with reference to FIG. FIG. 6 is a diagram illustrating an example of a user information database according to the embodiment; In the example of FIG. 6, the user information database 34 has items such as "user ID", "settlement history", "usage history", "attribute information", and "purchased investment product".

"User ID" indicates identification information for identifying a user. "Payment history" indicates the history of payments made using the electronic payment service, and is associated with the date and time when the payment was made, for example, information such as the payment destination, the payment amount, and the transaction object that is the mode of payment. is stored. "Usage history" indicates the usage history of various services. The “attribute information” indicates user attributes (demographic attributes, psychographic attributes) estimated based on payment history, usage history, and the like. "Purchased investment product" indicates an investment product that the user has purchased through the finance service, and has an item such as "investment product ID", for example. “Investment product ID” indicates identification information for identifying the investment product.

That is, in FIG. 6, the payment history of the user identified by the user ID "UID#1" is "payment history #1", the usage history is "usage history #1", and the attribute information is "attribute information #1". , and shows an example in which the purchased investment product is identified by the investment product ID “CID#1”.

(Regarding the control unit 40)
The control unit 40 is a controller, and various programs stored in a storage device inside the payment server 10 are executed by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like, using the RAM as a work area. It is realized by being executed. Also, the control unit 40 is a controller, and is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 2, the control unit 40 according to the embodiment includes an acquisition unit 41, a payment processing unit 42, an estimation unit 43, a selection unit 44, a proposal unit 45, and a notification unit 46 It implements or executes the information processing functions and actions described below.

(Regarding the acquisition unit 41)
The acquisition unit 41 acquires various types of information necessary for processing. The acquisition unit 41 acquires various types of information from the storage unit 30 . The acquisition unit 41 acquires various information about the user from the user information database 34 . The acquisition unit 41 acquires various information related to payment using the user terminal 100 of the user from the user information database 34 . For example, the acquiring unit 41 acquires, from among the payment histories stored in the user information database 34, payment histories in which the date and time of payment correspond to a period.

The acquisition unit 41 acquires money amount information regarding the amount of payment made by the user using a predetermined payment method. The acquisition unit 41 acquires amount information regarding the amount of payment using the user terminal 100 used by the user. The acquisition unit 41 acquires amount information regarding the amount of payment using the user terminal 100 during a target period, which is a period of a predetermined length. For example, the acquiring unit 41 acquires amount information related to the amount of payment for which the date and time of payment correspond to the period from the payment history stored in the user information database 34 .

The acquisition unit 41 acquires other amount information related to the amount of payment using the user terminal 100 during a period of a predetermined length past the target period. The acquisition unit 41 acquires other amount information indicating the average amount of payments made using the user terminal 100 during a period of a predetermined length past the target period.

The acquisition unit 41 acquires other amount information related to the amount of payment using the user terminal 100 in another period of a predetermined length immediately before the target period. The acquisition unit 41 acquires other amount information related to the amounts of payments made using the user terminal 100 during a plurality of periods of a predetermined length past the target period. The acquisition unit 41 acquires balance information indicating the balance of a user's predetermined account.

For example, the acquisition unit 41 acquires payment information indicating the product ID indicated by the barcode read by the store terminal 200 . The acquisition unit 41 may acquire payment information from the user terminal 100 used by the user. For example, when the user terminal 100 reads the store identification information installed in the store and the payment is made, the acquisition unit 41 acquires the payment information indicating the payment from the user terminal 100 .

(Regarding the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information acquired by the acquisition unit 41 . For example, the payment processing unit 42 transfers the amount of electronic money indicated by the payment amount from the account of the user indicated by the user ID to the account of the store indicated by the shop ID.

(Regarding the estimation unit 43)
The estimation unit 43 executes estimation processing for estimating various types of information. For example, the estimation unit 43 executes estimation processing based on various information acquired by the acquisition unit 41 . For example, the estimation unit 43 executes estimation processing based on information stored in the storage unit 30 . For example, the estimation unit 43 executes estimation processing based on various information about the user stored in the user information database 34 . The estimating unit 43 executes estimation processing based on various types of information related to payment using the user terminal 100 of the user stored in the user information database 34 . The estimation unit 43 estimates attributes of the user based on various types of information about the user stored in the user information database 34 .

The estimating unit 43 estimates the character of the user based on various information related to payment using the user terminal 100 of the user stored in the user information database 34 . The estimation unit 43 estimates the user's character based on the frequency of payment using the user terminal 100 of the user. For example, if the frequency of payment using the user terminal 100 of the user in a predetermined period (eg, one week, one month, etc.) is equal to or greater than a predetermined number of times (eg, 30 times, 100 times, etc.) , the user's character is presumed to be the primary character (for example, diligent character, etc.) who prefers frequent processing. Further, for example, the estimation unit 43 determines that the frequency of payment using the user terminal 100 of the user in a predetermined period (for example, two weeks, two months, etc.) is less than a predetermined number of times (for example, 20 times, 200 times, etc.). In some cases, the user's personality is presumed to be secondary (eg lazy) who does not like frequent processing. Note that the above is only an example, and the estimation unit 43 may estimate the user's personality using various types of information.

For example, the estimation unit 43 refers to the business operator information database 33 and the user information database 34, and estimates the attributes of the user based on the transaction target for which the user has settled. For example, when the user U1 purchases golf equipment, the estimation unit 43 estimates that the attribute of the user U1 is "likes golf." When the number of times the user has purchased golf equipment is greater than or equal to a predetermined threshold value, or when the total amount of purchased golf equipment is greater than or equal to a predetermined threshold value, the estimation unit 43 sets the attribute of the user to "loves golf." can be estimated.

The estimation unit 43 may estimate the attribute of the user based on the attribute of another user who purchased the transaction target. For example, the estimation unit 43 refers to the business operator information database 33 and the user information database 34, and estimates the attributes of the user based on the attribute information of other users who have purchased the product purchased by the user. For example, the estimating unit 43 estimates that the user has the same hobbies and tastes for commodities that are equal to or greater than a predetermined threshold from among the commodities purchased by the user having the specific hobbies and tastes.

(Regarding the selection unit 44)
The selection unit 44 selects various information. The selection unit 44 extracts various information. The selection unit 44 executes selection processing based on the various information acquired by the acquisition unit 131 . For example, the selection unit 44 executes selection processing based on information stored in the storage unit 30 . The selection unit 44 selects an investment product to be proposed to the user for purchase from the investment products stored in the investment product database 32 . The selection unit 44 extracts, from the investment products stored in the investment product database 32, investment products (investment product candidates) that are candidates for investment products to be proposed to the user for purchase.

For example, the selection unit 44 executes selection processing based on various types of information about users stored in the user information database 34 . The selection unit 44 executes selection processing based on various information related to payment using the user terminal 100 of the user stored in the user information database 34 . The selection unit 44 selects a financial product to be proposed to the user for purchase, based on various types of information about the user stored in the user information database 34 .

The selection unit 44 selects a financial product to be purchased by the user based on the amount information acquired by the acquisition unit 41 . The selection unit 44 selects a financial product to be purchased by the user when the amount information satisfies a predetermined condition. The selection unit 44 selects a financial product to be purchased by the user when the amount indicated by the amount information satisfies a predetermined condition. When the amount indicated by the amount information is equal to or greater than a predetermined threshold, the selection unit 44 selects a financial product to be purchased by the user.

The selection unit 44 selects a financial product to be purchased by the user according to the amount indicated by the amount information. The selection unit 44 selects a financial product with a higher price as the amount indicated by the amount information increases.

The selection unit 44 selects a financial product to be proposed to the user for purchase based on the amount information for the target period. The selection unit 44 selects a financial product to be proposed to the user for purchase based on the amount information in the target period and other amount information. The selection unit 44 selects a financial product to be proposed to the user for purchase based on a comparison between the amount of settlement in the target period and the average value.

When the amount of payment in the target period is smaller than the average value, the selection unit 44 selects a financial product to be purchased by the user according to the difference between the average value and the amount of payment in the target period. The selection unit 44 selects a financial product with a price corresponding to the difference.

The selection unit 44 selects a financial product to be proposed to the user for purchase based on a comparison between the amount of payment in the target period and the amount of payment in other periods. If the amount of payment in the target period is smaller than the amount of payment in the other period, the selection unit 44 selects the amount of payment for the target period, according to the difference obtained by subtracting the amount of payment in the target period from the amount of payment in the other period. Select financial products to propose. The selection unit 44 selects a financial product with a price corresponding to the difference.

The selection unit 44 selects a financial product to be proposed to the user for purchase according to the transition mode of the amount of settlement in a period of a predetermined length. The selection unit 44 selects a financial product that is regularly purchased when the fluctuation range of the settlement amount for a period of a predetermined length is within a predetermined range. The selection unit 44 selects regular savings as a financial product to be proposed to the user for purchase. The selection unit 44 selects a financial product to be purchased by the user based on the amount information and the balance information.

The selection unit 44 selects a financial product to be purchased by the user based on the user's personality estimated by the estimation unit 43 . If the estimating unit 43 estimates that the user's personality is the primary personality that prefers frequent processing (for example, diligent personality), the selecting unit 44 selects financial products with large price fluctuations (high risk, high return). (also referred to as "product") is selected as a financial product to be proposed to the user for purchase. For example, when the estimation unit 43 estimates that the user's personality is primary, the selection unit 44 selects high-risk, high-return products such as futures trading, FX (Foreign Exchange), and virtual currency to the user. It may be selected as a financial product to be proposed for purchase.

In addition, when the estimation unit 43 estimates that the user has a second personality that does not like frequent processing (for example, a lazy personality), the selection unit 44 selects a financial product whose price fluctuates little (“low risk (also referred to as "low return product") is selected as a financial product to be proposed to the user for purchase. For example, when the estimation unit 43 estimates that the user has a second personality, the selection unit 44 selects a low-risk low-return product such as a foreign currency deposit or gold investment as a financial product to be purchased by the user. You may choose.

If the estimation unit 43 does not estimate the user's personality to be either the first personality or the second personality, the selection unit 44 selects a financial product with moderate price fluctuations ("middle risk middle return product"). ) is selected as the financial product to be proposed to the user for purchase. For example, when the estimation unit 43 estimates that the user's personality is neither the first personality nor the second personality, the selection unit 44 selects middle-risk middle-return products such as investment trusts and stock investments for the user. It may be selected as a financial product to be proposed for purchase. The above is just an example, and the selection unit 44 may select various financial products according to the presumed character of the user.

Note that, as described above, for example, when there is only one financial product to be purchased, the selection unit 44 may determine whether to propose the purchase of that financial product. In other words, selecting a financial product means not only the process of selecting one of two or more financial products as a financial product for which purchase is proposed, but also the concept of determining whether or not to propose the purchase of a financial product. includes.

(Regarding the proposal section 45)
The proposal unit 45 makes various proposals to the user. The proposal unit 45 provides information for making a proposal to the user. The proposal unit 45 transmits various information to the user terminal 100 via the communication unit 110 . The proposing unit 45 transmits the information acquired by the acquiring unit 41 . The proposal unit 45 transmits information on the financial product selected by the selection unit 44 to the user terminal 100 .

The proposal unit 45 purchases the financial product selected by the selection unit 44 via a predetermined platform that provides predetermined payment means using the user terminal 100 and that distributes information on the financial product. Suggest. In the example of FIG. 1, the proposal unit 45 distributes information to the user terminal 100 to the effect that purchase of the selected investment product is proposed via a finance application, which is a mini-application activated within the payment application.

(Regarding the notification unit 46)
The notification unit 46 notifies various types of information to the external device. The notification unit 46 notifies the user terminal 100 of various information. The notification unit 46 transmits various information to the user terminal 100 via the communication unit 11 .

When the user purchases the financial product selected by the selection unit 44, the notification unit 46 makes a predetermined notification according to the information on the company corresponding to the financial product. In the example of FIG. 1, when the user U1 purchases an investment product that invests in a company, the notification unit 46 collects information such as news articles about the company and the industry to which the company belongs, and collects the collected information. A predetermined notification is made based on

[3. Selection process flow]
A procedure of selection processing of the payment server 10 according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating an example of a selection process procedure according to the embodiment.

As shown in FIG. 7, the settlement server 10 acquires amount information regarding the amount of settlement using the user terminal 100 used by the user (step S101). Subsequently, the settlement server 10 selects an investment product to be proposed to the user for purchase based on the amount information (step S102). Subsequently, the settlement server 10 proposes purchase of the investment product via a predetermined platform (step S103), and ends the process.

[4. Modification]
The above-described embodiment is an example, and various modifications and applications are possible.

[4-1. Regarding financial products]
In the above-described embodiment, an example was shown in which the selection unit 44 selects investment products such as stocks and investment trusts as financial products to be purchased by the user, but financial products are not limited to such examples. , may choose any financial instrument. For example, financial products selected by the selection unit 44 may be government bonds, corporate bonds, real estate, foreign currency deposits, foreign exchange such as FX (Foreign Exchange), virtual currencies, futures trading, insurance, deposits and savings, and the like.

[4-2. About amount information]
In the above-described embodiment, an example is shown in which the acquisition unit 41 acquires amount information for a payment made at a physical store using the user terminal 100 in which a payment application is installed. It is not limited to this example, and payment amount information may be acquired by any means. For example, the acquisition unit 41 acquires amount information regarding the amount of payment (i.e., online payment) using the electronic payment service provided by the above-described payment application, which is the user's payment in a predetermined electronic commerce service. . To give a specific example, the acquisition unit 41 acquires amount information related to the amount of payment for a shopping service, a flea market service, an auction service, or the like provided by a mini-app activated within the payment application.

In addition, the acquisition unit 41 may acquire amount information of payments made by other means of payment, not limited to the case where the user makes a payment using a payment application. For example, the payment server may manage, in the storage unit 30, information relating to the link between the user and the credit card owned by the user. Then, the acquisition unit 41 may acquire information on the amount of payment made by the user using the credit card associated with the user.

[4-3. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, and various data and parameters shown in the above text and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the selection device according to the embodiment (“settlement server 10” in this embodiment) includes an acquisition unit (“acquisition unit 41” in this embodiment) and a selection unit (“selection server 10” in this embodiment). The same applies hereinafter). The acquisition unit acquires money amount information related to the amount of payment made by the user using a predetermined payment method. The selection unit selects a financial product to be purchased by the user based on the amount information acquired by the acquisition unit.

As a result, the selection device according to the embodiment selects a financial product according to the payment status of the user by allowing the user to select the financial product based on the amount information regarding the amount of payment using a predetermined payment method. Since the selection is possible, it is possible to appropriately select the financial product to be proposed to the user for purchase.

Further, in the selection device according to the embodiment, the selection unit selects a financial product to be purchased by the user when the amount information satisfies a predetermined condition.

With this, the selection device according to the embodiment selects a financial product to be proposed to the user for purchase when the amount information satisfies the predetermined condition, and the user who satisfies the condition is selected as the target and the user to purchase the financial product. Proposed financial products can be appropriately selected.

Further, in the selection device according to the embodiment, the selection unit selects a financial product to be purchased by the user when the amount indicated by the amount information satisfies a predetermined condition.

With this, when the amount indicated by the amount information satisfies a predetermined condition, the selection device according to the embodiment selects a financial product to be purchased by the user, thereby allowing the user and target whose payment amount satisfies the condition. As a result, it is possible to appropriately select the financial product to be proposed to the user for purchase.

Further, in the selection device according to the embodiment, the selection unit selects a financial product to be purchased by the user when the amount indicated by the amount information is equal to or greater than a predetermined threshold.

As a result, when the amount indicated by the amount information is equal to or greater than a predetermined threshold, the selection device according to the embodiment selects a financial product to be purchased by the user. As a target, it is possible to appropriately select a financial product to be proposed to the user for purchase.

Also, in the selection device according to the embodiment, the selection unit selects a financial product to be purchased by the user according to the amount indicated by the amount information.

As a result, the selection device according to the embodiment can select a financial product based on the settlement amount by selecting a financial product to be purchased by the user according to the amount indicated by the amount information. It is possible to appropriately select a financial product for which purchase is proposed to the user.

In addition, in the selection device according to the embodiment, the selection unit selects a financial product with a higher price as the amount indicated by the amount information increases.

As a result, the selection device according to the embodiment can select a financial product based on the settlement amount by selecting a financial product with a higher price as the amount indicated by the amount information increases, thereby prompting the user to purchase the financial product. can appropriately select financial products that propose

In addition, in the selection device according to the embodiment, the acquisition unit acquires amount information regarding the amount of payment using a predetermined payment method in a target period that is a period of a predetermined length. The selection unit selects a financial product to be purchased by the user based on the amount information in the target period.

As a result, the selection device according to the embodiment selects a financial product based on the amount information about the amount of payment using a predetermined payment method in the target period, thereby appropriately selecting the financial product to be purchased by the user. You can choose.

In addition, in the selection device according to the embodiment, the acquisition unit acquires other amount information related to the amount of payment using a predetermined payment method during a period of a predetermined length past the target period. The selection unit selects a financial product to be proposed to the user for purchase based on the amount information in the target period and other amount information.

As a result, the selection device according to the embodiment selects a financial product based on the amount information in the target period and the amount information in the period prior to the target period, thereby eliminating the difference between the target period and other periods. Since the financial product can be selected based on the information, it is possible to appropriately select the financial product to be proposed to the user for purchase.

In addition, in the selection device according to the embodiment, the acquisition unit acquires other amount information indicating an average amount of payments made using a predetermined payment method during a period of a predetermined length past the target period. The selection unit selects a financial product to be purchased by the user, based on a comparison between the amount of payment in the target period and the average value.

As a result, the selection device according to the embodiment selects a financial product based on a comparison between the amount of settlement in the target period and the average of the amounts in the period prior to the target period, so that the target period and other periods Since the financial product can be selected based on the difference in the settlement amount between the two, it is possible to appropriately select the financial product to be purchased by the user.

In addition, in the selection device according to the embodiment, if the amount of payment in the target period is smaller than the average value, the selection unit asks the user to make a purchase according to the difference between the average value and the amount of payment in the target period. Select a financial product to propose.

As a result, when the amount of settlement in the target period is smaller than the average of the amounts in the period prior to the target period, the selection device according to the embodiment can select a financial product based on the difference. It is possible to appropriately select a financial product for which purchase is proposed to the user.

Further, in the selection device according to the embodiment, the selection unit selects a financial product with a price corresponding to the difference.

As a result, the selection device according to the embodiment can select a financial product with an amount that the user can afford to invest by selecting a financial product with a price corresponding to the difference. It is possible to appropriately select a financial product for which purchase is proposed to the user.

In addition, in the selection device according to the embodiment, the acquisition unit acquires other amount information related to the amount of payment using a predetermined payment method in another period of predetermined length immediately before the target period. The selection unit selects a financial product to be purchased by the user based on a comparison between the amount of payment in the target period and the amount of payment in other periods.

As a result, the selection device according to the embodiment selects a financial product based on the amount information in the target period and the amount information in the period immediately preceding the target period, thereby determining the difference between the target period and the period immediately preceding it. Since the financial product can be selected based on the information, it is possible to appropriately select the financial product to be proposed to the user for purchase.

Further, in the selection device according to the embodiment, when the amount of payment in the target period is smaller than the amount of payment in the other period, the selection unit subtracts the amount of payment in the target period from the amount of payment in the other period. A financial product to be proposed to the user for purchase is selected according to the difference.

As a result, when the amount of settlement in the target period is smaller than the average amount of the period immediately before the target period, the selection device according to the embodiment can select a financial product based on the difference. It is possible to appropriately select a financial product to be proposed to a person for purchase.

Further, in the selection device according to the embodiment, the selection unit selects a financial product with a price corresponding to the difference.

As a result, the selection device according to the embodiment can select a financial product with an amount that the user can afford to invest by selecting a financial product with a price corresponding to the difference. It is possible to appropriately select a financial product for which purchase is proposed to the user.

In addition, in the selection device according to the embodiment, the acquisition unit acquires other amount information related to the amounts of payments made using a predetermined payment method in a plurality of periods of a predetermined length past the target period. The selection unit selects a financial product to be purchased by the user in accordance with the transition of the amount of payment for a period of a predetermined length.

As a result, the selection device according to the embodiment can appropriately select the financial product to be proposed to the user for purchase by selecting the financial product based on the transition of the amount of settlement in a period of a predetermined length. can be done.

In addition, in the selection device according to the embodiment, the selection unit selects a financial product that is regularly purchased when the fluctuation range of the settlement amount for a period of a predetermined length is within a predetermined range.

As a result, the selection device according to the embodiment selects a financial product that is purchased on a regular basis when the fluctuation range of the settlement amount for a period of a predetermined length is within a predetermined range, thereby allowing the user It is possible to appropriately select a financial product to be proposed for purchase.

Moreover, in the selection device according to the embodiment, the selection unit selects the regular accumulation as the financial product to be proposed to the user for purchase.

As a result, the selection device according to the embodiment selects the fixed deposit as a financial product when the fluctuation range of the settlement amount in a period of a predetermined length is within a predetermined range, thereby prompting the user to make a purchase. Proposed financial products can be appropriately selected.

Further, in the selection device according to the embodiment, the acquisition unit acquires balance information indicating the balance of the user's predetermined account. The selection unit selects a financial product to be purchased by the user based on the amount information and the balance information.

As a result, the selection device according to the embodiment selects a financial product to be purchased by the user based on the amount information and the balance information. Since the financial product can be selected based on the amount of money to be purchased, the financial product to be proposed to the user for purchase can be appropriately selected.

Further, the selection device according to the embodiment has a proposal unit (in the embodiment, “proposal unit 45” is the same below). The proposal unit is a predetermined platform that provides a predetermined settlement means using a user terminal (in the embodiment, the same shall apply hereinafter to the “user terminal 100”) used by the user, and is a predetermined platform that distributes information on financial products. Proposing purchase of the financial product selected by the selection unit via the platform.

As a result, since the selection device according to the embodiment can propose the purchase of the selected financial product to the user, it is possible to appropriately select and propose the purchase of the financial product to the user. .

[6. Hardware configuration]
Also, the payment server 10 according to each of the embodiments described above is implemented by, for example, a computer 1000 configured as shown in FIG. The settlement server 10 will be described below as an example. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the settlement server. Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when the computer 1000 functions as the settlement server 10 , the CPU 1100 of the computer 1000 implements the functions of the control unit 40 by executing programs loaded on the RAM 1200 . Further, each data in the storage device of the settlement server 10 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 10 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the acquisition unit can be read as acquisition means or an acquisition circuit.

1 selection system 10 payment server 20 communication unit 30 storage unit 31 account database 32 investment product database 33 business operator information database 34 user information database 40 control unit 41 acquisition unit 42 payment processing unit 43 estimation unit 44 selection unit 45 proposal unit 46 notification Part 100 User terminal 200 Store terminal

Claims (23)

an acquisition unit for acquiring amount information relating to an amount of payment made by a user using a predetermined payment method, the amount information including information indicating the frequency of the payment ;
a selection unit that selects a financial product corresponding to the character of the user estimated based on the amount information acquired by the acquisition unit as a financial product to be purchased by the user. selection device. an acquisition unit that acquires amount information related to the amount of payment made by the user using a predetermined payment method;
a selection unit that selects a financial product to be purchased by the user based on the amount information acquired by the acquisition unit;
The financial product selected by the selection unit is selected by the selection unit via a finance application that is a mini-application that is activated within a payment application that provides the predetermined payment method , which is a payment method using the user terminal used by the user. and a proposal unit that distributes to the user terminal on which the payment application is activated a proposal to purchase the financial product selected by the selection unit, in order to propose purchase. The selection unit
3. The selection device according to claim 1 or 2 , wherein when the amount information satisfies a predetermined condition, a financial product to be proposed to the user for purchase is selected. The selection unit
4. The selection device according to claim 3 , wherein, when the amount indicated by the amount information satisfies the predetermined condition, a financial product to be proposed to the user for purchase is selected. The selection unit
5. The selection device according to claim 4 , wherein when the amount indicated by the amount information is equal to or greater than a predetermined threshold value, a financial product to be proposed to the user for purchase is selected. The selection unit
The selection device according to any one of claims 1 to 5 , wherein a financial product to be proposed to the user for purchase is selected according to the amount indicated by the amount information. The selection unit
7. The selection device according to claim 6 , wherein a financial product with a higher price is selected as the amount indicated by the amount information increases. The acquisition unit
Acquiring amount information regarding the amount of payment using the predetermined payment method in a target period that is a period of a predetermined length;
The selection unit
8. The selection device according to any one of claims 1 to 7 , wherein a financial product to be proposed to the user for purchase is selected based on the amount information in the target period. The acquisition unit
Acquiring other amount information related to the amount of payment using the predetermined payment method in the predetermined length of time period past the target period;
The selection unit
9. The selection device according to claim 8 , wherein a financial product to be proposed to the user for purchase is selected based on the amount information in the target period and the other amount information. The acquisition unit
Acquiring the other amount information indicating the average value of the amounts of payments made using the predetermined payment method during the period of the predetermined length past the target period;
The selection unit
10. The selection device according to claim 9 , wherein a financial product to be proposed to the user for purchase is selected based on a comparison between the settlement amount and the average value in the target period. The selection unit
If the settlement amount in the target period is smaller than the average value, a financial product to be proposed to the user for purchase is selected according to the difference obtained by subtracting the settlement amount in the target period from the average value. 11. A selection device according to claim 10 , characterized in that: The selection unit
12. The selection device according to claim 11 , wherein a financial product with a price corresponding to the difference is selected. The acquisition unit
Acquiring the other amount information related to the amount of settlement using the predetermined settlement means in another period of the predetermined length immediately before the target period;
The selection unit
10. The selection according to claim 9 , wherein a financial product to be proposed to the user for purchase is selected based on a comparison of the settlement amount in the target period and the settlement amount in the other period. Device. The selection unit
If the settlement amount in the target period is smaller than the settlement amount in the other period, according to the difference obtained by subtracting the settlement amount in the target period from the settlement amount in the other period, 14. The selection device according to claim 13 , wherein the selection device selects a financial product that the user is suggested to purchase. The selection unit
15. The selection device according to claim 14 , wherein a financial product with a price corresponding to the difference is selected. The acquisition unit
Acquiring the other amount information related to the amount of settlement using the predetermined settlement means in a plurality of periods of the predetermined length past the target period;
The selection unit
10. The selection device according to claim 9 , wherein a financial product to be proposed to the user for purchase is selected according to a transition mode of settlement amounts during the period of the predetermined length. The selection unit
16. The selection device according to claim 15 , wherein a regularly purchased financial product is selected if the fluctuation range of the settlement amount in the predetermined length of time is within a predetermined range. The selection unit
18. The selection device according to claim 17 , wherein regular accumulation is selected as a financial product to be proposed to the user for purchase. The acquisition unit
Acquiring balance information indicating the balance of a predetermined account of the user;
The selection unit
19. The selection device according to any one of claims 1 to 18 , wherein the selection device selects a financial product to be purchased by the user based on the amount information and the balance information. A computer implemented selection method comprising:
an acquisition step of acquiring amount information relating to the amount of payment made by the user using a predetermined payment method, the amount information including information indicating the frequency of the payment ;
a selecting step of selecting a financial product corresponding to the character of the user estimated based on the amount information obtained in the obtaining step as a financial product to be purchased by the user. selection method. an acquisition procedure for acquiring amount information relating to the amount of payment made by the user using a predetermined payment method, the amount information including information indicating the frequency of the payment ;
and a selection procedure for selecting a financial product corresponding to the character of the user estimated based on the amount information acquired by the acquisition procedure as a financial product to be purchased by the user. selection program. A computer implemented selection method comprising:
an acquisition step in which the user acquires amount information regarding the amount of payment using a predetermined payment method;
a selection step of selecting a financial product to be purchased by the user based on the amount information obtained in the obtaining step;
The financial product selected in the selection step is selected through the finance application, which is a mini application that is activated within the payment application that provides the predetermined payment method, which is the payment method using the user terminal used by the user. and a proposal step of distributing a proposal to purchase the financial product selected in the selection step to the user terminal on which the payment application is activated, in order to propose the purchase. an acquisition procedure in which the user acquires amount information related to the amount of payment using a predetermined payment method;
a selection procedure for selecting a financial product to be purchased by the user based on the amount information acquired by the acquisition procedure;
The financial product selected by the selection procedure through the finance application, which is a mini-application that is activated within the payment application that provides the predetermined payment method, which is the payment method using the user terminal used by the user. A selection program for causing a computer to execute a proposal procedure for distributing a proposal to purchase the financial product selected by the selection procedure to the user terminal on which the payment application is activated, in order to propose purchase.

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