Information processing device, information processing method, program, and system

Abstract

To enable provision of detailed privileges at individual stores without an affiliated store introducing a high-cost POS device.SOLUTION: An information processing device comprises: a transmission and reception unit that receives, from a user terminal device of a user of an electronic settlement service, code information that was read by the user terminal device from a code image displayed on a store terminal device installed in a real store when executing an electronic settlement, the code information issued by the store terminal device; a determination unit that determines whether or not the user satisfies predetermined conditions related to privileges on the basis of the received code information; and a granting unit that grants a privilege corresponding to the predetermined conditions to an account of the user when it is determined that the user satisfies the predetermined conditions.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, a program, and a system. [Background technology]

[0002] Conventionally, there are known techniques for providing benefits such as discounts to users who use electronic payment services. For example, Patent Document 1 discloses a technique for identifying usage trends of electronic payment services for each residential area of ​​a user based on electronic payment information for each residential area of ​​the user, and determining a discount rate for each residential area according to the identified usage trends. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2022-018204 Summary of the Invention [Problem to be solved by the invention]

[0004] However, with conventional technology, affiliated stores of electronic payment services were required to install expensive Point of Sale (POS) devices in order to provide special benefits to users, and they were sometimes unable to provide special benefits tailored to each store.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing device, information processing method, program, and system that enable affiliated stores to provide detailed benefits for each store without having to install expensive POS devices. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing device comprising: a transceiver unit that receives from a user terminal device of a user of an electronic payment service code information issued by a store terminal device installed in a physical store when the user terminal device executes electronic payment, the code information being read from a code image displayed by the store terminal device when the user terminal device executes electronic payment, a determination unit that determines whether the user satisfies predetermined conditions related to a benefit based on the received code information, and an granting unit that grants a benefit corresponding to the predetermined conditions to an account of the user when it is determined that the user satisfies the predetermined conditions. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing device, information processing method, program, and system that enable affiliated stores to provide detailed benefits for each store without having to install expensive POS devices. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. [Diagram 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Diagram 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] 1 is a configuration diagram of a payment server 100 according to a first embodiment. [Diagram 5] FIG. 13 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] 13 is a diagram showing an example of the contents of first coupon information 178. FIG. [Figure 8] 13 is a diagram showing an example of the contents of second coupon information 180. FIG. [Figure 9] FIG. 13 is a diagram showing an example of a top screen IM of a payment application 20. [Figure 10]FIG. 2 is a diagram showing an example of a method for using a first coupon by a user terminal device 10. [Figure 11] FIG. 11 is a diagram showing an example of a method for using a second coupon by a second user terminal device 10B. [Figure 12] FIG. 11 is a diagram showing an example of a process for issuing a second coupon by a first user terminal device 10A. [Figure 13] 13 is a diagram showing an example of a generation process of a second code image 60_2 by a second store terminal device 70. FIG. [Figure 14] FIG. 13 is a diagram showing an example of notification information transmitted to a second user terminal device 10B. [Figure 15] FIG. 13 is a diagram showing another example of notification information transmitted to the second user terminal device 10B. [Figure 16] FIG. 13 is a diagram showing another example of notification information transmitted to the second user terminal device 10B. [Figure 17] 4 is a sequence diagram showing an example of a flow of processing executed by cooperation between the user terminal device 10 and the payment server 100. FIG. [Figure 18] 13 is a flowchart showing an example of the flow of a notification process executed by the payment server 100. [Figure 19] FIG. 13 is a diagram showing an example of a generation process of a second code image 60_2 by a second store terminal device 70 according to a modified example. [Figure 20] FIG. 11 is a sequence diagram showing an example of a flow of a process executed by cooperation between a user terminal device 10 and a payment server 100 according to a modified example. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing device, an information processing method, a program, and a system of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as a "server", a "management device", and an "information providing device" that will be described below, may be realized by a group of distributed devices, and each device may be operated by a different business operator. Furthermore, the owner of the hardware of the device (the provider of the cloud server) and the business that actually operates the device may also be different. An application program and a payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. An electronic payment service is a service that supports payments related to the purchase of goods and services at a store. A store is, for example, a physical store (real store) that exists in the real world, but may also include a virtual store for electronic commerce. A virtual store may include a store provided by an entity different from the operator of the electronic payment service. In that case, when making a payment for shopping at a virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at a store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be carried out between the user and the store.

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, and one or more second store terminal devices 70 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, and the like.

[0011] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or a tablet terminal. The user terminal device 10 is a computer device having at least an optical reading function, a communication function, a display function, an input reception function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, a processor such as a CPU executes a payment application 20, thereby operating to provide an electronic payment service to a user in cooperation with a payment server 100. The payment application 20 is installed in the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The first code image 60_1 is placed in the store, and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The first code image 60_1 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. An interface 72 for affiliated stores runs on the second store terminal device 70. The interface 72 for affiliated stores may be an app for affiliated stores or a browser. The interface 72 for affiliated stores accepts coupon settings and the like by the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has a function of displaying a code image corresponding to the first code image 60_1 and reading a code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 10 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case the payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, no distinction is made between these two and it is assumed that the payment information is sent from the first store terminal device 50.

[0015] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns of electronic payment: pattern 1 and pattern 2.

[0016] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, the user terminal device 10 with the payment application 20 activated decodes the first code image 60_1 by the optical reading function (S1). The first code image 60_1 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which information capable of identifying a store is added, and is associated with an affiliated store ID, a store ID, etc. in the payment server 100 (described later). The payment application 20 transmits the first payment information including the store URL and the account ID to the payment server 100 (S2). The payment server 100 searches for store information (described later) from the affiliated store ID and the store ID corresponding to the store URL, acquires the affiliated store name and the store name information (S3), and transmits it to the payment application 20 (S4). The user inputs the payment amount to the user terminal device 10 on the screen on which the affiliated store name and the store name are displayed (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount, and transmits it to the payment server 100 (S6). The payment server 100 performs electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notice (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays the payment completion screen (S9). Note that when the first code image 60_1 is displayed on a display installed in a store, the first code image 60_1 may include not only the store URL but also information on the payment amount. In this case, the procedure of the user inputting the payment amount is omitted, and the first payment information including the payment amount is transmitted to the payment server 100. Information on the affiliated store name and the store name may be included in the payment completion screen and displayed.

[0017] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, when the payment application 20 is started, when a payment operation is performed in the payment application 20, when an automatic update timing (e.g., every minute) occurs, and at other timings, the payment application 20 transmits a request for issuing a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and transmits it to the payment application 20 (S13). The payment application 20 displays a code image such as a QR code or a barcode generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 10 over the first store terminal device 50, and the first store terminal device 50 decodes the code image by an optical reading function and obtains the one-time code, etc. (S15). The first store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and transmits it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode or manually entering it. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs electronic payment (S17). The payment server 100 then transmits a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0018] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuance of a one-time code may be omitted in the store scan, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0019] [Payment server] FIG. 4 is a configuration diagram of the payment server 100 according to the first embodiment. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The information management unit 140 further includes a transmission / reception unit 140A, a determination unit 140B, and an assignment unit 140C. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), or a GPU (Graphics Processing Unit), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transient storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (non-transient storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0020] The storage unit 170 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172, payment content information 174, affiliated store / shop information 176, first coupon information 178, and second coupon information 180.

[0021] The communication unit 110 is a communication interface for connecting to the network NW. The communication unit 110 is, for example, a network interface card.

[0022] The payment content providing unit 120 has, for example, a function of a Web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 10. The payment content providing unit 120 appropriately reads necessary content from the payment content information 174 and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs by the user while the content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0023] FIG. 5 is a diagram showing an example of the contents of the user information 172. The user information 172 is an example of the registration information of a user. The user information 172 is information associated with, for example, a user URL, an account ID, a telephone number, a password, an email address, a user ID, a name, an address, a date of birth, a registration date, a charge balance, a deferred payment setting, a deferred payment limit, a deferred payment usage amount, a deferred payment available amount, a payment method setting, a bank account, a credit card number, charge history information, payment history information, a follow affiliated store, a first coupon acquired, a second coupon acquired, and points held. The user URL is used for a remittance process between users. When registering for the electronic payment service, it is necessary to register a telephone number and a password. The account ID is issued to the user by the payment server 100, and the user ID is an ID that can be set by the user at will (does not have to be set). Similarly, the email address, and the name, address, and date of birth are information that can be set by the user at will (does not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0024] The charge balance is information indicating the balance of electronic money that is set by a user by transferring money to an account in advance. The means of transfer include transfer from an ATM (Automatic Teller Machine) of a designated company (bank) and transfer from a registered bank account. The deferred payment setting is information indicating whether or not the setting for enabling electronic payment by deferred payment has been completed, and is set to either "completed" or "not completed." The deferred payment limit is the limit of deferred payment that can be used each month, the deferred payment usage amount is the amount of deferred payment that has already been used in the current month, and the deferred payment available amount is the amount of deferred payment that can be used in the current month, which is calculated by subtracting the deferred payment usage amount from the deferred payment limit. Although only one deferred payment limit is shown in the figure, in reality, there is also a daily upper limit, and the lower of these may be set as the deferred payment limit. Further details of deferred payment will be described later. The payment method setting is setting information indicating whether the user will perform electronic payment using the charge balance or payment by deferred payment at that time. The bank account and credit card number are information on a bank account or credit card number (account number, card number) that can be used to deposit funds into an electronic payment service. Charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. Payment history information is information that indicates the details of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.).

[0025] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with an affiliated store ID, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the location of the store, and payment patterns.

[0026] FIG. 7 is a diagram showing an example of the contents of the first coupon information 178. The first coupon information 178 is information in which, for example, a first coupon ID, a member store ID, a store ID, a benefit content, a use condition, an expiration date, and other information are associated. As described later, the first coupon is a benefit that is issued to a user by a member store and can be used for electronic payment. In the table shown in FIG. 7, the benefit content is information indicating the content of the benefit provided by the first coupon corresponding to the first coupon ID. For example, in the case of the first coupon with the first coupon ID "0001", it means that a user can receive a 5% rebate from the payment amount by using the first coupon. The use condition is information indicating the condition under which the coupon can be used at the time of payment. For example, in the case of the first coupon with the coupon ID "0001", it means that a user can use the first coupon for payments of 300 yen or more. The expiration date is information indicating the deadline by which the first coupon can be used. The first coupon is an example of a "second benefit" in the claims.

[0027] FIG. 8 is a diagram showing an example of the contents of the second coupon information 180. The second coupon information 180 is information in which, for example, a second coupon ID, an account ID, a member store ID, a store ID, a target product, a benefit content, a budget amount, an amount used, an expiration date, a comment, and a public setting are associated with each other. As described below, the second coupon is a benefit provided by a certain user to another specific or unspecified user, and is a benefit that can be used for electronic payment of a specific product specified by a certain user. In the table shown in FIG. 8, the account ID is the account ID of the user who issues the second coupon. The target product is identification information (product ID) for identifying a specific product specified by the user who issues the second coupon among products sold at a store specified by the store ID. The benefit content is information indicating the content of the benefit provided by the second coupon corresponding to the second coupon ID. For example, in the case of a coupon with the second coupon ID "D0001", if a user pays for the target product "13579_001" at a store identified by the store ID "651874" of the affiliated store identified by the affiliated store ID "13579", the user can receive a 5% rebate on the payment amount. Also, for example, in the case of a coupon with the second coupon ID "D0002", the store ID and target product are not entered (not specified), which means that the benefit is provided for all products sold at all stores of the affiliated store identified by the affiliated store ID "34244".

[0028] The budget amount is information indicating the amount of funds for the second coupon, designated by the user who issues the second coupon. For example, if the user who issues the second coupon designates 10,000 yen as the budget amount, the information management unit 140 subtracts the amount of 10,000 yen in advance from the charge balance of the user, and subtracts the amount to be returned to other users from the budget amount every time another user uses the second coupon to pay for the target product. The used amount is information indicating the amount of the budget amount that is returned by one or more other users using the second coupon. The expiration date is information indicating the deadline by which the second coupon can be used. At the time of expiration, the remaining amount obtained by subtracting the used amount from the budget amount is returned to the charge balance of the user who issued the second coupon. The comment is information indicating a comment about the target product set by the user who issued the second coupon. The second coupon is an example of a "benefit" in the scope of the claims. The public setting is information indicating whether or not the second coupon is to be made public to unspecified other users on the payment application 20.

[0029] The information management unit 140 manages user information 172, payment content information 174, affiliated store / store information 176, first coupon information 178, and second coupon information 180 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds, edits, and deletes new records for the user information 172, affiliated store / store information 176, first coupon information 178, and second coupon information 180. Of the payment server 100, the function of the information management unit 140 is an example of an "information processing device" in the claims.

[0030] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For a user whose "payment method setting" is set to "charge balance", the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales. The item value of the affiliated store's sales is not used as electronic money itself, for example, and an amount corresponding to the item value of the sales is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0031] The payment processing unit 130 performs electronic payment for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit payment" in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service, and the operator of the electronic payment service acts as a creditor and allows electronic payment that is not dependent on the charge balance within the deferred payment limit. In order to receive the deferred payment service, a credit card provided by the operator of the electronic payment service may be required. The amount used for deferred payment is settled on the payment date of the following month, for example, by debiting from a bank account, for one month. In this case, the payment processing unit 130 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment amount, and when the closing date comes, it performs processing to debit the payment for the current month on the payment date of the following month as described above, or requests the operator of the credit card company to perform such processing. In addition, if the payment amount exceeds the available deferred payment amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0032] [Top page] FIG. 9 is a diagram showing an example of the top screen IM of the payment application 20. The top screen IM displays a code image CD. The code image CD includes, for example, a barcode and a QR code. In addition, together with the code image CD, text (in the figure, "Pay with balance") is displayed indicating whether to perform electronic payment using the charge balance or to perform electronic payment by deferred payment. This text is drawn by the payment application 20 based on information updated by the payment application 20 every time the changeover switch SW is operated. The top screen IM also includes an operation area CA including the changeover switch SW, and a transition button TB. This will be described later. Note that the "switch" and "button" are GUIs (Graphical User Interfaces) realized in cooperation with a touch panel. The changeover switch SW accepts an operation to switch between performing electronic payment using the charge balance or to perform electronic payment by deferred payment. The changeover switch SW is set to perform electronic payment using the charge balance by default, and every time the changeover switch SW is operated by the user, the setting is switched between performing electronic payment using the charge balance and performing electronic payment by deferred payment. In the figure, the explanation "Postpaid" is displayed, which means that the setting is for postpaid electronic payment. The operation area CA has buttons for instructing the main operations in electronic payment, such as a button for scanning (starting a user scan) and a button for charging. When the transition button TB is operated, the screen transitions to a payment screen that displays the code image used for electronic payment and the available balance.

[0033] Below the operation area CA, for example, a group of buttons (switches) M1 to M2 for activating a mini app are further displayed. A mini app is an app that operates using the payment app 20 as a platform and provides some kind of service. A service provider develops a mini app by referring to a Software Development Kit (SDK), which is a program and technical documentation for app development provided by an administrator of the payment app 20. A mini app is an app that operates, for example, while the payment app 20 is activated. For example, a part or all of the mini app may be installed when the payment app 20 is installed, or a part or all of the mini app may be installed from a service server corresponding to the mini app. For example, when the mini app is activated, a service server (not shown) that provides a service corresponding to the mini app is accessed, and the mini app and the service server work together to provide the service to the user. At this time, the service server may be the payment server 100 itself, or may be an external server different from the payment server 100. 7, as an example, a button M1 for a mini-app that provides a coupon function (including a first coupon and a second coupon) described below, and a button M2 for a mini-app that provides a function for asset management of the charge balance are displayed, but buttons for launching various types of mini-apps, such as a payment app for paying public transportation fares, may be displayed. Furthermore, separate buttons may be provided for the first coupon and the second coupon described below.

[0034] [Use of the first coupon] Fig. 10 is a diagram showing an example of how the first coupon is used by the user terminal device 10. The screen on the left side of Fig. 10 represents a screen displayed on the user terminal device 10 when, for example, the user accesses a dedicated page of an affiliated store of the electronic payment service via the payment application 20 of the user terminal device 10. This screen is displayed, for example, when the user clicks the coupon button M1 on the top screen IM of Fig. 10 and searches for a store that offers the first coupon.

[0035] The affiliated store dedicated page includes, for example, an area A1 in which summary information of the affiliated store is displayed, a button B1 for following the affiliated store, and an area A2 in which detailed information of the affiliated store is displayed switchably by tabs. When the user presses the follow button B1, the payment application 20 transmits information indicating that the follow button B1 has been pressed together with the user's identification information (e.g., account ID) to the payment server 100, and the information management unit 140 stores the identification information of the affiliated store (e.g., affiliated store ID) in "followed affiliated store" of the user information 172. As a result, for example, every time the affiliated store updates the content of the affiliated store dedicated page, the payment server 100 notifies the user via the payment application 20 that the content of the affiliated store dedicated page has been updated.

[0036] In FIG. 10, for example, when the user taps on "First coupon," which is one of the tabs included in area A2, coupons that the user can currently use for electronic payment at the store are displayed. When the user, for example, follows an affiliated store and presses button B2 for acquiring a coupon, the payment application 20 transmits information indicating that the Acquire button B2 has been pressed together with the user's identification information (e.g., account ID) to the payment server 100, and the information management unit 140 stores the identification information of the coupon acquired by the user (e.g., first coupon ID) in "Acquired first coupon" of the user information 172. This associates the user with the first coupon acquired by the user.

[0037] After the user acquires the first coupon, when the user terminal device 10 executes an electronic payment, the information management unit 140 refers to the first coupon information 178 to determine whether the electronic payment matches the usage conditions of the first coupon acquired by the user, and if it is determined that the electronic payment matches the usage conditions of the first coupon, the information management unit 140 grants the user a benefit according to the coupon content. For example, in the case of the coupon ID "C0001" in the first coupon information 178 shown in Fig. 7, the payment processing unit 130 determines whether the user's payment amount is 300 yen or more, and if it is determined that the usage conditions are met, points equivalent to 5% of the payment amount are granted.

[0038] Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 displaying the payment store, an area A4 displaying the payment amount, and an area A5 displaying the granted benefit. The right part of FIG. 8 shows, as an example, a case where 25 yen points are granted for a payment of 500 yen in response to the user acquiring a 5% off coupon. In this case, the information management unit 140 stores the 25 yen worth of points in the "owned points" of the user information 172, and the payment processing unit 130 preferentially subtracts the owned points from the payment amount in the user's next electronic payment, and subtracts the remaining amount from the charge balance or the available amount for later payment. In another embodiment, the coupon may be subtracted directly from the payment amount on the day without being added as points available for payment.

[0039] [Use the second coupon] The first coupon described with reference to FIG. 10 is a coupon that an affiliated store provides to a member store within a budget set by the member store itself, which can be used for electronic payment at a real store. On the other hand, for example, some users may wish to support the purchase of a product at an affiliated store in order to recommend to other users a product that is not well known but has high quality, or an affiliated store that the user personally supports. In this case, it is preferable if the user (first user) can issue a benefit to another user (second user) in a format similar to the first coupon issued by the affiliated store and recommend the product or the affiliated store that sells the product. The second coupon described below enables such a first user to grant a benefit to a specific or unspecified second user by making an electronic payment at a specified affiliated store. Hereinafter, the user terminal device 10 used by the first user is referred to as the first user terminal device 10A, and the user terminal device 10 used by the second user is referred to as the second user terminal device 10B.

[0040] FIG. 11 is a diagram showing an example of a method of using a second coupon by the second user terminal device 10B. The screen on the left side of FIG. 11 represents a screen displayed on the second user terminal device 10B by, for example, the second user accessing a list WL of second coupons issued by the first user (hereinafter referred to as a reverse wish list) via the payment application 20 of the second user terminal device 10B. For example, the screen is displayed when the user clicks the coupon button M1 on the top screen IM of FIG. 10 to search for the first user who issued the second coupon, or the product or store to which the second coupon is issued. As another aspect, the coupon button M1 may be divided into a first coupon button M1_1 (first coupon mini-app) for displaying and acquiring information related to the first coupon, and a second coupon button M1_2 (second coupon mini-app) for displaying and acquiring information related to the second coupon, and the screen on the left side of FIG. 11 may be a screen displayed when the second user presses the second coupon button M1_2.

[0041] The reverse wishlist WL includes, for example, an area A6 for displaying the handle name and thumbnail image of the first user who issued the second coupon, an area A7 for displaying the affiliated store, shop, product, benefit, expiration date, and comment set by the first user who issued the second coupon, and a button B3 for acquiring the second coupon. FIG. 11 shows, as an example, a case where the first user issues a second coupon that can be used at two affiliated stores ("XX Coffee Shop" and "YY Ramen") in order to recommend the use of these affiliated stores. The affiliated store, shop, product, benefit, expiration date, and comment displayed on the second user terminal device 10B correspond to the affiliated store ID, shop ID, target product, benefit content, expiration date, and comment stored in the second coupon information 180 of FIG. 8. The information management unit 140 accepts settings related to these items from the first user terminal device 10A, issues a new second coupon, and stores information related to the newly issued second coupon in the second coupon information 180, as described later.

[0042] 11, the payment application 20 may also display a detailed setting button B4 for narrowing down the second coupons in the reverse wish list WL to be displayed. For example, when the second user presses the detailed setting button B4, the payment application 20 may display an area for setting narrowing down conditions related to the first user, affiliated store, shop, product, benefit, expiration date, and comment, and may display only the second coupons in the reverse wish list WL that satisfy the narrowing down conditions input by the second user.

[0043] When the user presses the Acquire button B3, the payment application 20 transmits information indicating that the Acquire button B3 has been pressed together with the identification information (e.g., account ID) of the second user to the payment server 100, and the information management unit 140 stores the identification information (e.g., second coupon ID) of the second coupon acquired by the second user in "acquired second coupon" of the user information 172. This associates the second user with the second coupon acquired by the second user. The operation of acquiring the second coupon is an example of a "predetermined operation for acquiring the right to acquire a benefit" in the claims.

[0044] After the second user acquires the second coupon, when the second user terminal device 10B executes the electronic payment, the information management unit 140 refers to the second coupon information 180 and judges whether the electronic payment matches the use conditions of the second coupon acquired by the second user, and if it is judged that the electronic payment matches the use conditions of the second coupon, the second user is given a benefit according to the coupon contents. More specifically, as described later, the second user uses the second user terminal device 10B to user-scan the second code image 60_2, and the second user terminal device 10B transmits the scanned code information to the payment server 100. Here, the second code image 60_2 further includes information identifying the product or service sold by the store in addition to the information included in the first code image 60_1. When the information management unit 140 receives the code information, it determines whether or not the electronic payment by the second user meets the usage conditions of the second coupon by comparing the affiliated store ID, store ID, and product ID specified by the code information with the affiliated store ID, store ID, and target product included in the second coupon information 180. The second code image 60_2 is an example of "code information" in the claims.

[0045] Thereafter, the payment application 20 displays, as a payment completion screen, an area A3 displaying the payment store, an area A4 displaying the payment amount, and an area A5 displaying the granted benefit, in the same manner as in the case of the first coupon. The right part of FIG. 8 shows, as an example, a case where 25 yen points are granted for a payment of 500 yen in response to the second user acquiring a 5% off second coupon. In this case, the information management unit 140 subtracts 25 yen worth of points from the budget amount of the second coupon information 180, adds them to the used amount, and adds them to the "owned points" of the user information 172. In the next electronic payment of the user, the payment processing unit 130 preferentially subtracts the owned points from the payment amount, and subtracts the remaining amount from the charge balance or the available amount for later payment. In another embodiment, the coupon may be directly subtracted from the payment amount on the day without being added as points available for payment.

[0046] Although not illustrated in FIG. 11, the reverse wishlist WL may be provided with a button for following the first user who issued the second coupon, similar to the affiliated store follow button B1. In this case, the user information 172 may further include a column for storing the account ID of the first user followed by the second user. When the second user follows the first user, a push notification, for example, may be sent to the second user terminal device 10B every time the first user issues a new second coupon or changes the content of an issued second coupon.

[0047] [Issuing the second coupon] FIG. 12 is a diagram showing an example of a second coupon issuing process by the first user terminal device 10A. The screen shown in the left part of FIG. 12 is displayed when, for example, a mini-app button M1 indicating a coupon is pressed on the top screen of the payment application 20 shown in FIG. 9 to transition to a second coupon issuing screen. As shown in FIG. 12, the first user terminal device 10A displays, for example, an area A8 for inputting the handle name of the first user, an area A9 for specifying the affiliated store for which the second coupon is to be issued, an area A10 for specifying the store for which the second coupon is to be issued, an area A11 for specifying the target product for which the second coupon is to be issued, an area A12 for specifying the benefit content of the second coupon, an area A13 for specifying the budget amount of the second coupon, an area A14 for specifying the expiration date of the second coupon, an area A15 for inputting a comment to be displayed when the second coupon is made public, and a radio button R1 for selecting whether or not the second coupon issued by the first user is to be made public as a wish list WL. When the contents are set in the areas A8 to A15 and the radio button R1 and the issue button B5 is pressed, the first user terminal device 10A transmits the set contents to the payment server 100, and the information management unit 140 issues a second coupon based on the received set contents, associates it with the second coupon ID, and stores it in the second coupon information 180. At this time, the information management unit 140 simultaneously subtracts an amount equivalent to the budget amount from the first user's charge balance. Furthermore, the information management unit 140 notifies, for example, the second store terminal device 70 of information on the issued second coupon, and an employee of the affiliated store checks the contents on the issued second coupon. At this time, the employee of the affiliated store specifies permission / prohibition regarding the issuance of the second coupon on the second store terminal device 70, and the information management unit 140 may generate a second coupon only for the second coupon whose issuance is permitted, and store it in the second coupon information 180.

[0048] When the second coupon is set to be public, as shown in the left part of FIG. 11, the wish list WL is made public to unspecified second user terminal devices 10B. On the other hand, when the second coupon is set to be private, for example, a link for acquiring the second coupon is issued to the first user, and the first user can make the second user acquire the second coupon by transmitting the link for acquiring the second coupon to the second user terminal device 10B. The first user terminal device 10A transmits the link for acquiring the second coupon issued in a private setting to the second user terminal device 10B, for example, via a chat application, and the second user clicks the link on the second user terminal device 10B in which the payment application 20 is installed. The second user terminal device 10B transmits information indicating that the link has been clicked to the payment server 100 together with the account ID of the second user, and the information management unit 140 stores the second coupon ID of the second coupon acquired by the second user in the "acquired second coupon" of the user information 172. This allows the second user to obtain the second coupon that has been set to private.

[0049] Among the items shown above, the handle name, store, target product, and comment may be set arbitrarily. For example, if the handle name is not set, the name of the first user displayed on the wish list WL may be anonymous. For example, if the store is not set, the second coupon may be used for all stores belonging to the affiliated store. For example, if the target product is not set, the second coupon may be used for all products sold by the affiliated store. For example, if the comment is not set, the comment area may be omitted from area A7 shown on the left side of FIG. 11.

[0050] [Generating the second code image] Thus, in this embodiment, the electronic payment service provides the user with a first coupon and a second coupon, and the user can use these coupons to receive benefits set by affiliated stores or other users. However, the first coupon is a benefit given per payment at the store, not per individual product, and the affiliated store cannot set detailed benefits using the first coupon. Meanwhile, the second coupon is a benefit given per individual product, but in the conventional technology, each product paid for is identified using an expensive POS device, and a benefit corresponding to the identified product is given.

[0051] In light of this situation, the second store terminal device 70 generates a second code image 60_2 including identification information for identifying a product or service in addition to the information included in the first code image 60_1, and displays the second code image 60_2 in a printable manner on the member store interface 72. A store employee prints out the second code image 60_2 and places it at the store in the same manner as the first code image 60_1. When the second user who has previously acquired the second coupon purchases a product or service that is the subject of the second coupon, the second user terminal device 10B is used to user-scan the second code image 60_2 and transmits the scanned code information to the payment server 100. The information management unit 140 grants the second user a benefit of the second coupon that corresponds to the product or service included in the received code information. In other words, this enables member stores to provide detailed benefits for each store without introducing expensive POS devices.

[0052] Fig. 13 is a diagram showing an example of a generation process of the second code image 60_2 by the second store terminal device 70. In Fig. 13, the member store interface 72 of the second store terminal device 70 displays an area A16 representing a member store and its account that has logged in to the member store interface 72, an area A17 representing a menu that can be operated via the member store interface 72, and an area A18 displaying information about an item selected from the menu A17. Fig. 13 shows, as an example, a screen that is displayed on the member store interface 72 when a store clerk at the member store selects the area representing the second coupon from the menu A17.

[0053] When the second store terminal device 70 receives information indicating that the second coupon has been generated from the first user terminal device 10A, an employee of the affiliated store checks the details of the product or service for which the second coupon has been generated, and inputs identification information identifying the product or service (hereinafter, may be referred to as product identification information) into the affiliated store interface 72. As shown in FIG. 13, the employee of the affiliated store may, for example, input a product ID identifying the product or service into the input area A19, or may input a product name identifying the product or service into the input area A20. When the employee of the affiliated store inputs either the product ID or the product name, the second store terminal device 70 may inquire of a product database managed by the electronic payment service or the inventory management server of the affiliated store, and input the other information as a supplement.

[0054] When the identification information for identifying a product or service is input in the input area A19 or A20, the second store terminal device 70 generates a second code image 60_2 including the identification information, the store URL, and the account ID of the second user, and displays it on the interface for affiliated stores 72. An employee of the affiliated store prints the displayed second code image 60_2, for example, by pressing the print button B6. After that, when the second user indicates his / her intention to acquire the second coupon during electronic payment, the employee of the affiliated store presents the printed second code image 60_2 instead of the first code image 60_1, and the second user performs user scanning of the second code image 60_2 using the second user terminal device 10B. The second user terminal device 10B transmits the scanned code information to the payment server 100, and the information management unit 140 grants the second user the benefit of the second coupon corresponding to the product or service included in the received code information. The account ID of the second user is an example of a “first identification information for identifying a user” as set forth in the claims, and the identification information for identifying a product or service is an example of a “second identification information for granting benefits through an electronic payment service” as set forth in the claims.

[0055] Note that FIG. 13 illustrates an example in which an employee of the affiliated store prints out the second code image 60_2 and uses it for a user scan. However, if the second store terminal device 70 is a smartphone or a tablet terminal, the employee of the affiliated store may display the second code image 60_2 on the second store terminal device 70 at the time of electronic payment and have the second user perform a user scan.

[0056] [Send notification information] In this way, the employee of the affiliated store prints the second code image 60_2 corresponding to the second coupon generated by the first user, and the second user who has acquired the second coupon performs a user scan on the second code image 60_2 instead of the first code image 60_1 by expressing his / her intention to acquire the second coupon at the store. However, due to the second user's forgetfulness or an operation error by the employee of the affiliated store, the second user may user-scan the normal first code image 60_1 even though the second coupon has already been acquired, or may user-scan the normal first code image 60_1 without acquiring the second coupon even though the second coupon can be used to receive a special benefit. Therefore, in this embodiment, when the information management unit 140 receives code information obtained by a user scan from the second user terminal device 10B, the information management unit 140 refers to the user information 172 using the account ID included in the code information as a key, and transmits appropriate notification information according to the acquisition status of the second coupon by the second user. Hereinafter, the notification information transmitted to the second user terminal device 10B will be described in detail with reference to FIGS.

[0057] FIG. 14 is a diagram showing an example of notification information transmitted to the second user terminal device 10B. FIG. 14 shows, as an example, a case where the second user performs a user scan of the normal first code image 60_1 even though the second user has already acquired the second coupon. As shown in FIG. 14, when the second user performs a user scan of the first code image 60_1 using the second user terminal device 10B, the second user terminal device 10B transmits code information (including a store URL and an account ID) obtained by user scanning the first code image 60_1 to the payment server 100. When the transmitting / receiving unit 140A of the information management unit 140 receives the code information, the determination unit 140B of the information management unit 140 refers to the user information 172 using the account ID included in the code information as a key, and determines whether the second user has already acquired the second coupon corresponding to the store identified by the store URL.

[0058] In the case of FIG. 14, since the second user has already acquired the second coupon (that is, since the identification information of the second coupon usable at the store specified by the store URL is stored in the "acquired second coupon" of the user information 172), the determination unit 140B determines that the second user has performed a user scan of the normal first code image 60_1 even though the second user has already acquired the second coupon. In this case, the transmission / reception unit 140A transmits to the second user terminal device 10B the first notification information recommending that the second user perform a user scan of the second code image 60_2 issued by the second store terminal device 70. The second store terminal device 70 displays the received first notification information in a predetermined area A21 of the second user terminal device 10B. This makes it possible to prevent the second user from experiencing an opportunity loss due to a user scan of the normal first code image 60_1 even though the second user has already acquired the second coupon.

[0059] FIG. 15 is a diagram showing another example of the notification information transmitted to the second user terminal device 10B. FIG. 15 shows, as an example, a case where the second user user-scans the second code image 60_2 for the second coupon even though the second user has not yet acquired the second coupon. As shown in FIG. 15, when the second user user-scans the second code image 60_2 using the second user terminal device 10B, the second user terminal device 10B transmits code information (including a store URL, an account ID, and product identification information) obtained by user-scanning the second code image 60_2 to the payment server 100. When the transmitting / receiving unit 140A of the information management unit 140 receives the code information, the determination unit 140B of the information management unit 140 refers to the user information 172 using the account ID included in the code information as a key, and determines whether the second user has acquired a second coupon corresponding to the store identified by the store URL and for the product identified by the product identification information.

[0060] In the case of FIG. 15, since the second user has not yet acquired the second coupon (i.e., the identification information of the second coupon corresponding to the store identified by the store URL and for the product identified by the product identification information is not stored in the "acquired second coupon" of the user information 172), the determination unit 140B determines that the second user has performed a user scan of the second code image 60_2 for the second coupon even though the second user has not yet acquired the second coupon. In this case, the transmission / reception unit 140A transmits to the second user terminal device 10B second notification information recommending that the second user acquire the second coupon on the electronic payment service. The second store terminal device 70 displays the received second notification information in a predetermined area A22 of the second user terminal device 10B. The second store terminal device 70 further displays, for example, a button B3 including a link for transitioning to a screen for acquiring the second coupon (the screen shown in FIG. 11). This can prevent the second user from experiencing an opportunity loss due to not acquiring the second coupon.

[0061] FIG. 16 is a diagram showing another example of the notification information transmitted to the second user terminal device 10B. FIG. 16 shows, as an example, a case where the second user has already acquired the second coupon and has user-scanned the second code image 60_2 for the second coupon (i.e., a case where the user-scanned as intended by the second user). As shown in FIG. 16, when the second user user-scans the second code image 60_2 using the second user terminal device 10B, the second user terminal device 10B transmits code information (including a store URL, an account ID, and product identification information) obtained by user-scanning the second code image 60_2 to the payment server 100. When the transmitting / receiving unit 140A of the information management unit 140 receives the code information, the determination unit 140B of the information management unit 140 refers to the user information 172 using the account ID included in the code information as a key, and determines whether the second user has acquired a second coupon corresponding to the store identified by the store URL and for the product identified by the product identification information.

[0062] In the case of FIG. 16, since the second user has already acquired the second coupon (that is, since the identification information of the second coupon corresponding to the store identified by the store URL and for the product identified by the product identification information is stored in the "acquired second coupon" of the user information 172), the determination unit 140B determines that the second user has already acquired the second coupon and has user-scanned the second code image 60_2 for the second coupon. In this case, the transmission / reception unit 140A transmits third notification information to the second user terminal device 10B, notifying the second user terminal device 10B in advance that a benefit corresponding to the second coupon will be granted by electronic payment. The second store terminal device 70 displays the received third notification information in a predetermined area A23 of the second user terminal device 10B. This notifies the second user in advance that the second coupon will definitely be applied, and gives the second user a sense of security about performing electronic payment.

[0063] In Figures 14 to 16, as an example, the second user terminal device 10B displays the notification information at the timing when it reads the first code image 60_1 or the second code image 60_2, but the present invention is not limited to such a configuration, and the notification information may be displayed at the timing when the second user inputs the payment amount on the second user terminal device 10B (i.e., at the timing of S5 in Figure 2).

[0064] [Processing flow] Next, a process flow executed by the user terminal device 10 and the payment server 100 in cooperation with each other according to the present embodiment will be described with reference to Fig. 17 and Fig. 18. Fig. 17 is a sequence diagram showing an example of a process flow executed by the user terminal device 10 and the payment server 100 in cooperation with each other. FIG. 17 shows, as an example, the flow of processing when a first user makes a second coupon available to unspecified second users.

[0065] First, the first user terminal device 10A accepts the setting conditions of the second coupon input by the first user (S21). Next, the first user terminal device 10A transmits the setting conditions of the second coupon that have been input to the payment server 100 (S22). Next, the payment server 100 issues a new second coupon based on the received setting conditions of the second coupon, and stores information about the newly issued second coupon in the second coupon information 180 (S23). At this time, as described above, if the setting conditions of the second coupon are set to be public, the payment server 100 may inquire of the second store terminal device 70 as to whether or not to permit issuance of the second coupon, and may execute the process of S23 if the issuance of the second coupon is permitted by a store clerk at the affiliated store.

[0066] Next, the payment server 100 discloses the issued second coupon to the second user terminal device 10B (S24). More specifically, when the coupon button M1 is operated on the payment application 20, the second user terminal device 10B displays a list of second coupons issued by multiple second users as a reverse wish list WL. Next, the second user terminal device 10B transmits an acquisition request for the second coupon designated by the second user to the payment server 100 (S25). Next, the payment server 100 grants the second coupon to the second user by associating the account ID of the second user with the second coupon ID of the second coupon based on the received acquisition request for the second coupon (S26) (S27).

[0067] Next, the second user terminal device 10B performs a user scan of the code image at a store affiliated with the electronic payment service (S28). The second user terminal device 10B transmits code information obtained by user scanning the code image to the payment server 100 (S29). Next, the transmitting / receiving unit 140A receives the code information, and the determining unit 140B executes the above-mentioned determination process based on the received code information (S30). The transmitting / receiving unit 140A transmits notification information according to the determination result to the second user terminal device 10B (S31). The second user terminal device 10B displays the received notification information (S32).

[0068] Next, the second user terminal device 10B transmits payment information including the payment amount input by the second user to the payment server 100 (S33). The payment processing unit 130 performs electronic payment based on the received payment information, and the determination unit 140B determines whether or not a second coupon applicable to the second user exists by comparing the affiliated store ID, store ID, and product ID related to the electronic payment with the acquired second coupon included in the user information 172 and the affiliated store ID, store ID, and target product included in the second coupon information 180 (S34).

[0069] Next, the transmitting / receiving unit 140A transmits a payment completion notification to the second user terminal device 10B (S35), and if it is determined that a second coupon applicable to the second user exists, the payment completion notification includes information indicating that the second coupon has been applied. The second user terminal device 10B displays the received payment completion notification (S36), and the payment server 100 awards points to the second user for applying the second coupon (S37). At this time, the application of the first coupon and the awarding of points are also determined in a similar manner, but will not be described for the sake of brevity. This ends the processing related to this sequence diagram.

[0070] 18 is a flowchart showing an example of the flow of the notification process executed by the payment server 100. The process shown in the flowchart in FIG. 18 is a specific embodiment of the processes of S30 and S31 in the sequence diagram in FIG.

[0071] First, the transmitting / receiving unit 140A acquires code information from the second user terminal device 10B (S100). Next, the determining unit 140B determines whether the acquired code information is obtained from the first code image 60_1 (S102). If it is determined that the acquired code information is obtained from the first code image 60_1, then the determining unit 140B determines whether the second user has acquired a second coupon for the affiliated store identified by the acquired code information (S104). If it is determined that the second user has acquired a second coupon for the affiliated store identified by the acquired code information, the transmitting / receiving unit 140A transmits to the second user terminal device 10B first notification information recommending that the user scan the second code image 60_2 issued by the second store terminal device 70 (S106). On the other hand, if it is determined that the second user has not acquired a second coupon for the affiliated store identified by the acquired code information, the payment server 100 ends the process.

[0072] In step S102, if it is determined that the acquired code information is not obtained from the first code image 60_1, the determination unit 140B determines whether or not the second user has already acquired the second coupon of the affiliated store identified by the acquired code information (S108). If it is determined that the second user has not already acquired the second coupon of the affiliated store identified by the acquired code information, the transmission / reception unit 140A transmits to the second user terminal device 10B second notification information recommending that the second user obtain the second coupon on the electronic payment service (S110). On the other hand, if it is determined that the second user has already acquired the second coupon of the affiliated store identified by the acquired code information, the transmission / reception unit 140A transmits to the second user terminal device 10B third notification information notifying in advance that a benefit corresponding to the second coupon will be given by electronic payment (S112). This ends the processing of this flowchart.

[0073] According to the embodiment described above, the payment server 100 receives from the user terminal device of the electronic payment service user code information that is read from a code image displayed by a store terminal device installed in a physical store when the user terminal device executes electronic payment and that is issued by the store terminal device, and determines whether the user satisfies a predetermined condition related to a benefit based on the received code information, and if it is determined that the user satisfies the predetermined condition, grants a benefit corresponding to the predetermined condition to the user's account. This makes it possible for member stores to provide detailed benefits for each store without introducing expensive POS devices.

[0074] [Variations] The above embodiment describes a case where the second user acquires a second coupon in advance on the electronic payment service as a predetermined operation, and the user scans a second code image including identification information that identifies a product or service covered by the second coupon. However, the present invention is not limited to such a configuration, and is also applicable to a case where the electronic payment service provides a coupon other than the second coupon (including a first coupon issued by an affiliated store) or a benefit from a campaign to the user.

[0075] FIG. 19 is a diagram showing an example of a generation process of the second code image 60_2 by the second store terminal device 70 according to the modified example. In FIG. 19, the selection area A24 represents an area for an employee of the affiliated store to select a campaign for which payment by user scanning is enabled. In the case of FIG. 19, as an example, the selection area A24 includes candidates such as a local campaign and a year-end campaign as selection candidates. Here, the local campaign represents a campaign in which a special benefit such as points is given when an electronic payment is made in a certain region, and the time-limited campaign represents a campaign in which a special benefit such as points is given when an electronic payment is made in a certain period of time.

[0076] The user performs a predetermined operation (e.g., inputting information into a registration application form, clicking a registration application button, etc.) to register for these campaigns on the electronic payment service in advance, while the employee of the affiliated store prints the second code image 60_2 including the campaign identification information on the second store terminal device 70 in advance or displays it at the time of payment. The user uses the user terminal device 10 to user-scan the second code image 60_2, and the user terminal device 10 transmits the read code information to the payment server 100. If the campaign identification information included in the code information matches the campaign information for which the user has already registered, the payment server 100 grants the user a benefit of the campaign. Furthermore, at this time, similar to the case described with reference to FIG. 14 to FIG. 16, the payment server 100 can transmit notification information regarding the benefit to the user terminal device 10 depending on the type of the received code information and whether the user has already registered for the campaign information.

[0077] Fig. 20 is a sequence diagram showing an example of a process flow executed by cooperation between the user terminal device 10 and the payment server 100 according to the modified example. First, the payment server 100 publishes some campaign to the user terminal device 10 (S41). Next, the user terminal device 10 transmits a registration application for the campaign to the payment server 100 in response to an operation by the user (S42). Next, the payment server 100 associates the account ID of the second user with the campaign registration based on the received registration application for the campaign (S43), and transmits a campaign registration notification to the user terminal device 10 (S44).

[0078] Next, the user terminal device 10 performs a user scan of the code image at a store of an affiliated store that is affiliated with the electronic payment service (S45). The user terminal device 10 transmits code information obtained by user scanning the code image to the payment server 100 (S46). Next, the transmitting / receiving unit 140A receives the code information, and the determining unit 140B executes the above-mentioned determination process based on the received code information (S47). The transmitting / receiving unit 140A transmits notification information according to the determination result to the user terminal device 10 (S48). The user terminal device 10 displays the received notification information (S49).

[0079] Next, the user terminal device 10 transmits payment information including the payment amount input by the second user to the payment server 100 (S50). The payment processing unit 130 performs electronic payment based on the received payment information, and the determination unit 140B determines whether or not there is a campaign applicable to the second user by comparing the affiliated store ID, store ID, and campaign identification information related to the electronic payment with the campaign information registered by the user (S51).

[0080] Next, the transmitting / receiving unit 140A transmits a payment completion notice to the user terminal device 10 (S52), and if it is determined that a campaign applicable to the second user exists, the payment completion notice includes information indicating that the campaign has been applied. The user terminal device 10 displays the received payment completion notice (S53), and the payment server 100 grants the points obtained by applying the campaign to the second user (S54). This ends the processing related to this sequence diagram.

[0081] According to the embodiment and the modified example described above, the user performs a predetermined operation on the user terminal device 10 to acquire the right to obtain a reward in advance, and the employee of the affiliated store prints or displays the second code image 60_2 including the identification information for granting the reward on the second store terminal device 70 and has the user perform a user scan, thereby realizing electronic payment and the granting of the reward. This enables the affiliated store to provide detailed rewards for each store without introducing expensive POS devices.

[0082] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0083] 10 User terminal device 20. Payment App 100 Payment Server 110 Communications Department 120 Payment Contents Provider 130 Payment processing unit 140 Information Management Department 140A Transmitter / Receiver 140B Judgment section 140C Granting Department

Claims

1. a transceiver for receiving from the user terminal device of the electronic payment service the code information read from a code image displayed by a store terminal device installed in a physical store when the user terminal device of the electronic payment service executes electronic payment, the code information being issued by the store terminal device; a determination unit that determines whether or not the user satisfies a predetermined condition related to a privilege based on the received code information; and an awarding unit that, when it is determined that the user satisfies the predetermined condition, awards a benefit corresponding to the predetermined condition to an account of the user. Information processing device.

2. The code information includes at least a first identification information for identifying the user and a second identification information for providing a benefit by the electronic payment service. The information processing device according to claim 1 .

3. The predetermined condition is a condition regarding whether or not the user has performed a predetermined operation for acquiring the right to obtain the benefit. The information processing device according to claim 1 .

4. the transmitting / receiving unit transmits notification information regarding the benefit to the user terminal device according to a type of the received code information and whether or not the user satisfies the predetermined condition. The information processing device according to claim 1 .

5. the transmitting / receiving unit receives code information of a type different from the code information associated with the code image issued by the store terminal device, and when it is determined that the user satisfies the predetermined condition, transmits, to the user terminal device, first notification information recommending that the user read the code image issued by the store terminal device. The information processing device according to claim 4.

6. the transmitting / receiving unit receives the code information associated with the code image issued by the store terminal device, and when it is determined that the user does not satisfy the predetermined condition, transmits, to the user terminal device, second notification information recommending that the user perform a predetermined operation to satisfy the predetermined condition. The information processing device according to claim 4.

7. the transmitting / receiving unit receives the code information associated with the code image issued by the store terminal device, and when it is determined that the user satisfies the predetermined condition, transmits third notification information to the user terminal device, notifying the user in advance that the benefit will be provided by the electronic payment. The information processing device according to claim 4.

8. The computer A user terminal device of a user of an electronic payment service receives code information from the user terminal device, the code information being read from a code image displayed by a store terminal device installed in a physical store when performing electronic payment, and the code information issued by the store terminal device; determining whether or not the user satisfies a predetermined condition related to a benefit based on the received code information; If it is determined that the user satisfies the predetermined condition, a benefit corresponding to the predetermined condition is granted to the account of the user. Information processing methods.

9. On the computer, A user terminal device of a user of an electronic payment service receives from the user terminal device code information that is read from a code image displayed by a store terminal device installed in a physical store when the user executes an electronic payment, and that is issued by the store terminal device; determining whether or not the user satisfies a predetermined condition related to a privilege based on the received code information; When it is determined that the user satisfies the predetermined condition, a benefit corresponding to the predetermined condition is granted to the account of the user. program.

10. A system including a user terminal device of an electronic payment service user and an information processing device, the user terminal device transmits to the information processing device code information that is read from a code image displayed by a store terminal device installed in a physical store when performing electronic payment and that is issued by the store terminal device; The information processing device includes: receiving the code information from the user terminal device; determining whether or not the user satisfies a predetermined condition related to a benefit based on the received code information; If it is determined that the user satisfies the predetermined condition, a benefit corresponding to the predetermined condition is granted to the account of the user. system.

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