Information processing system, information processing method, and program

Abstract

To support offering a voucher to a target user appropriately.SOLUTION: An information processing system includes: an acquisition unit which acquires a request and identification information of a user for an electronic settlement service; a determination unit which determines whether to offer an electronic voucher to the user, the electronic voucher being available for electronic settlement using the electronic settlement service in an affiliated store of the electronic settlement service, the voucher being provided in the electronic settlement service by the electronic settlement service and a service provider, which is different from an affiliated store of the electronic settlement service, according to the user identification information and the request, on the basis of information on the user associated with the user identification information managed in the electronic settlement service; and an offering unit which offers the electronic voucher to the user by associating the electronic voucher with an account of the user on the basis of a result of the determination.SELECTED DRAWING: Figure 1

Description

[Technical field]

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

[0002] 2. Description of the Related Art Conventionally, there has been disclosed a coupon providing device that provides a user with a coupon that can be used in an electronic payment service (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2023-93651 A Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technology, no consideration was given to a mechanism for appropriately granting vouchers to target users.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an information processing system, an information processing method, and a program that can assist in appropriately granting vouchers to target users. [Means for solving the problem]

[0006] One aspect of the present invention is an information processing system comprising an acquisition unit that acquires identification information and a request of a user of an electronic payment service, a judgment unit that, in response to the user's identification information and request, determines based on information about the user associated with the user's identification information managed by the electronic payment service, whether to grant to the user an electronic voucher provided in the electronic payment service by a service provider other than the electronic payment service and an affiliated store of the electronic payment service, the electronic voucher being usable for electronic payment using the electronic payment service at an affiliated store of the electronic payment service, and an assignment unit that grants the electronic voucher to the user by associating the electronic voucher with the user's account based on the result of the judgment. Effect of the Invention

[0007] According to one aspect of the present invention, it is possible to provide an information processing system, an information processing method, and a program that can assist in appropriately granting a voucher to a target user. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an example of the configuration of an electronic payment system 1 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. 3 is a diagram showing an example of the contents of user information 302. [Figure 6] FIG. 13 is a diagram showing an example of the contents of affiliated store / store information 306. [Figure 7] FIG. 13 is a diagram for explaining an overview of a process for granting a voucher. [Figure 8]10 is a diagram showing an example of an interface screen displayed on the display unit of a user terminal device 10 in cooperation with a payment application 20 and a payment server 100. FIG. [Figure 9] 13 is a flowchart showing an example of the flow of processes executed by payment application 20 and payment server 100. [Figure 10] FIG. 11 is a diagram showing an example of information used for determination. [Figure 11] 13 is a flowchart showing an example of a flow of processes executed by the assistance mini app and the payment server 100. [Figure 12] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 13] FIG. 13 is a diagram illustrating an example of a number of ports interface screen. [Figure 14] FIG. 13 is a diagram showing an example of the contents of a workplace interface screen. [Figure 15] 13 is a flowchart showing an example of the flow of processing executed by the payment server 100. [Figure 16] 13 is a diagram showing an example of an interface screen displayed on a display unit of inspector terminal device 500. FIG. [Figure 17] FIG. 13 is a diagram for explaining the process of settlement and granting of a voucher purchase. [Figure 18] 13 is an example of the contents of user information 302 to which a voucher has been issued. [Figure 19] FIG. 13 is a diagram for explaining a process related to payment using a voucher. [Figure 20] FIG. 13 is a diagram showing an example of content provided on an interface screen for affiliated stores. [Figure 21] 13 is a diagram showing an example of an interface screen provided on a display unit of a local government terminal device 600. FIG. [Figure 22] FIG. 1 is a diagram for explaining management of resources. [Figure 23] FIG. 4 is a diagram showing an example of an interface screen displayed on a display unit. [Figure 24]FIG. 2 is a diagram showing an example of the contents of voucher management information 310. [Diagram 25] FIG. 13 illustrates an example of an interface screen showing a list of vouchers. [Figure 26] 2 is a diagram showing an example of an interface screen displayed on a display unit of the user terminal device 10. FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, with reference to the drawings, an embodiment of an information processing system, an information processing method, and a program of the present invention will be described. Various devices for providing services to users and performing internal analysis, such as the "payment server" 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. The application program and the payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment application. The electronic payment service is a service that supports payments related to the purchase of goods and services at a store. The 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. The 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 the virtual store, the screen is controlled to transition to an interface screen of the electronic payment service. In the electronic payment service, the store is treated as belonging to, for example, an affiliated store (brand), and processing such as payment when a purchase is made at the store is mainly performed between the user and the affiliated store. Alternatively, processing such as payment may be performed between the user and the store.

[0010] [Electronic payment service] Fig. 1 is a diagram showing an example of the configuration of an electronic payment system 1 for realizing an electronic payment service. The electronic payment system 1 is realized by the electronic payment system 1 with a payment server 100 at its core. The payment server 100 communicates with, for example, one or more user terminal devices 10, one or more first store terminal devices 50, one or more second store terminal devices 70, a verifying terminal device 500, and a local government terminal device 600 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 store code image 60 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 store code image 60 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 made 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 the function of displaying a code image corresponding to a store code image 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 store code image 60 by the optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is an electronic payment service domain to which store-identifying information 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 into 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). The payment server 100 then 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 store code image 60 is displayed on a display installed in the store, the store code image 60 may include not only the store URL but also information on the payment amount. In this case, the step of the user inputting the payment amount is omitted, and the information on the payment amount is included in the first payment information and 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 content determination unit 120, a content provision unit 130, a payment processing unit 140, an information management unit 150, a determination unit 160, a lottery unit 170, a confirmation processing unit 180, an assignment unit 190, a management processing unit 200, and a storage unit 300. The components other than the communication unit 110 and the storage unit 300 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 300 is a HDD, a flash memory, a RAM (Random Access Memory), etc. The storage unit 300 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 300 stores information such as user information 302, content information 304, affiliated store / shop information 306, voucher information 308, and voucher management information 310.

[0021] Some of the functions of the above-mentioned functional units may be configured to function by the payment application 20 or the mini application 30 described later. For example, the payment application 20 or the mini application 30 may perform the determination and processing related to the granting of the voucher executed by the payment server 100 described later. Also, the payment application 20 or the mini application 30 may perform the determination and processing by transmitting and receiving necessary information in cooperation with the payment server 100. Also, some or all of the information stored in the storage unit 300 may be stored in the storage unit of the user terminal device 10 in which the payment application 20 is installed. Furthermore, some of the functions of the above-mentioned functional units may be executed by a service server different from the payment server 100. For example, a service server that cooperates with the mini application may perform some of the functions of the above-mentioned functional units, provide content to the user in cooperation with the mini application, or execute a lottery described later. The "acquisition unit", "determination unit", "granting unit", "lottery unit", or "processing unit" in the claims may be distributed or may function in any application or device.

[0022] 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.

[0023] The content determination unit 120 determines the content to be provided to the user, as will be described in detail later.

[0024] The content providing unit 130 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 interface for affiliated stores 72, the terminal device for verifyers 500, and the local government terminal device 600. The content providing unit 130 reads out necessary content from the content information 304 as appropriate, and provides it to the target device, etc. 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, etc. to the payment server 100.

[0025] The payment processing unit 140 performs payment processing based on the payment information transmitted by the user terminal device 10 or the first store terminal device 50. The payment processing unit 140 performs payment processing while referring to the user information 302.

[0026] FIG. 5 is a diagram showing an example of the contents of the user information 302. The user information 302 is an example of the registration information of a user. The user information 302 is, for example, a user URL, an account ID, a telephone number, a password, as well as 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, information indicating whether or not identity verification (eKYC; electronic Know Your Customer) has been performed, information on the user's place of employment, and application information for purchasing a voucher, which are associated with the user information. The voucher includes a gift certificate, a coupon, a discount ticket, and the like. The user URL is used for a remittance process between users. When registering for a new 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 the user can set at will (or does not have to set). Similarly, email address, name, address, and date of birth are also information that can be set by the user at their discretion (they do not have to be set). If identity verification has been performed, for example, the address is the address confirmed by identity verification. The registration date is the date on which the user registered with the electronic payment service (the date on which the account was created). Hereinafter, the user instance (electronic payment account) to which this information is associated will be referred to as the account.

[0027] 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.).

[0028] The information indicating whether or not identity verification has been performed is, for example, information indicating whether identity verification has been performed or not. Identity verification is a process of confirming whether information input by a user matches information for identity verification provided by the user. Identity verification is an act of confirming whether a user is a person on a certificate based on information and images of a certificate such as a My Number, a driver's license, a passport, or an insurance card provided by the user via a network. For example, when the information input by the user matches information on a license, which is an identity verification document, and the image of the license matches the appearance of the captured image, identity verification is completed. Identity verification may be performed automatically by computer processing, or a part or all of the process may be performed by a staff member. Furthermore, public personal authentication may be used for identity verification. Identity verification may be performed using electronic information on a My Number card, for example.

[0029] The user's workplace information is information such as workplace information entered by the user, or an image of a certificate (e.g., insurance card, employment certificate, pay slip, employment contract, notice of working conditions, etc.) on which the user's workplace is stated and provided. The voucher purchase application information is information related to an application provided by the user via a support mini-app of the mini-app 30 described below in order to purchase a voucher. The user URL, account ID, phone number, email address, or user ID are examples of "user identification information." The user information 302 may also include other information such as the user's family structure.

[0030] 6 is a diagram showing an example of the contents of affiliated store / store information 306. The affiliated store / store information 306 includes, for example, a first table 306A in which an affiliated store ID and a store ID are associated with a store URL, a second table 306B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 306C in which a store ID is associated with a store name and a store address. In addition to this information, the affiliated store / store information 306 may also include information such as the category of the affiliated store or store, payment patterns, etc.

[0031] The information management unit 150 acquires various information from the user terminal device 10, the second store terminal device 70, the verifying terminal device 500, and the local government terminal device 600, and manages the acquired information. The information management unit 150 manages the user information 302 and the affiliated store / store information 306 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 150 adds new records to, edits, deletes, etc. the user information 302 and the affiliated store / store information 306.

[0032] [Electronic payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 140 refers to the user information 302 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 140 performs electronic payment as follows. For example, the payment processing unit 140 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.

[0033] The payment processing unit 140 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 140 performs provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the deferred payment available 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 deferred payment available amount at the time of provisional payment, an error notification is returned to the payment application 20.

[0034] The determination unit 160 determines whether or not a user can apply to purchase a voucher, and whether or not a voucher can be granted.

[0035] The lottery unit 170 conducts a lottery to determine users who can purchase vouchers.

[0036] The confirmation processing unit 180 acquires the confirmation result of the workplace information provided by the user from the verifier terminal device 500. The verifier terminal device 500 acquires the result of the verifier's confirmation of the certificate information indicating the workplace provided by the user and the workplace information entered by the user, and transmits information indicating the acquired result to the payment server 100.

[0037] Based on the result of the determination by the determination unit 160, the granting unit 190 grants the electronic voucher to the user by associating the voucher with the user's account.

[0038] The management processing unit 200 manages the resources related to the vouchers. The determination unit 160, the lottery unit 170, the confirmation processing unit 180, the granting unit 190, and the management processing unit 200 will be described in detail later.

[0039] [Regarding the process of issuing vouchers] The determination unit 160 determines whether to grant to the user an electronic voucher that is provided in the electronic payment service by a service provider other than the electronic payment service and the affiliated store of the electronic payment service and that can be used for electronic payment using the electronic payment service at the affiliated store of the electronic payment service, based on information about the user associated with the user's identification information managed by the electronic payment service, in response to the request and the identification information of the user of the electronic payment service acquired by the information management unit 150. The granting unit 190 grants the electronic voucher to the user by associating the electronic voucher with the user's account based on the result of the determination.

[0040] The information about the user is various information linked to the user, such as the user's address, the status of identity verification, the user's age, and the user's family composition, as described below. If the information about the user satisfies a criterion, it is determined that an electronic voucher should be granted to the user. The criterion may be, for example, that the user's address is within a set area, that identity verification has been carried out, that the user is of a specified age, that the user has children in the family, or a combination of these.

[0041] The determination unit 160 determines whether to grant an electronic voucher to a user based on, for example, information about the user's address. The information about the address may be an address provided by the user or an address confirmed by identity verification. If the user's address is within the area set by the service provider, the determination unit 160 determines to grant an electronic voucher to the user.

[0042] For example, when a voucher is issued for a user who lives in a set area, the payment server 100 can easily grant the voucher to the target user.

[0043] The determination unit 160 may determine whether to grant an electronic voucher to a user based on information about the user, which is information about the user and is related to identity verification performed in an electronic payment service. The information about identity verification includes information about the user's address, for example, an address written on a certificate used for identity verification. The determination unit 160 determines to grant an electronic voucher to a user on the condition that the user's address is included in a preset area.

[0044] The service provider that provides the voucher is a service provider different from the electronic payment service and the affiliated store, such as a local government. The determination unit 160 determines to grant the electronic voucher to the user on condition that the user's address is included in an area under the jurisdiction of the local government. The information regarding identity verification may further include information regarding whether identity verification has been performed. In this case, the determination unit 160 grants the electronic voucher to the user on condition that identity verification has been performed.

[0045] If the determination unit 160 determines that the user's address is included in an area under the jurisdiction of the local government, identity verification has been performed, and information indicating the user's place of employment has been provided, it determines that the user's application to purchase an electronic voucher is accepted. The lottery unit 170 draws a set number of applications from the number of accepted applications as candidates for purchasing an electronic voucher. The granting unit 190 associates the voucher with the account of the user whose application was won in the lottery drawn by the lottery unit 170.

[0046] As an example, a process will be described below in which a voucher that can be used in an electronic payment service is issued in an electronic payment service at the request of a local government. This voucher can be used in affiliated stores in an area designated by the local government.

[0047] [Conditions for purchasing vouchers] The condition for being able to purchase a voucher may be, for example, that the user lives in an area under the jurisdiction of the local government and works in the above-mentioned area. Furthermore, the condition for being able to purchase a voucher may include, for example, that identity verification has been performed. Some of the above conditions may be omitted. Furthermore, instead of working in the above-mentioned area, the condition may be that information indicating the user's place of work has been provided. The condition for being able to apply to purchase a voucher may be that the user lives in an area under the jurisdiction of the local government and that the user has provided information indicating the user's place of work.

[0048] [Voucher redemption process overview] FIG. 7 is a diagram for explaining an overview of a process for granting a voucher. (1) The user applies for a voucher purchase to the payment server 100 via the support mini-app. (2) The payment server 100 accepts an application from a user who satisfies the conditions. At this time, a certificate related to the user's place of employment is uploaded. (3) The payment server 100 conducts a lottery. (4) The payment server 100 checks the certificate regarding the user's workplace and the workplace information entered by the user, and determines whether the conditions are met. (5) If the conditions are met, the payment server 100 notifies the user of the win. (6) The user uses the assistance mini-app and the payment app 20 to link with the payment server 100 and purchase a voucher using an electronic payment service. (7) The payment server 100 grants the voucher to the user by associating the voucher with the user's account in accordance with the process of (6) above.

[0049] As described above, the electronic payment system 1 can grant a voucher to a target user upon request of the user.

[0050] [Interface screen showing the support mini-app] FIG. 8 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10 in cooperation with the payment application 20 and the payment server 100. The interface screen is, for example, content provided in an electronic payment service, and includes QR codes (registered trademark) and barcodes used in electronic payments, and information on various electronic payment-related services. The interface screen includes one or more buttons for launching the mini app 30. The mini app 30 is an app included in the payment application 20. The mini app 30 is, for example, an app that uses the payment application 20 as a platform. The mini app 30 is, for example, an app that operates while the payment application 20 is running. For example, when the payment application 20 is installed, a part or all of the mini app 30 may be installed, or a part or all of the mini app 30 may be installed from a service server corresponding to the mini app 30.

[0051] In the example of Fig. 8, as an example, a support mini-app, a personal identification mini-app, and buttons for launching other mini-apps are displayed. The support mini-app is, for example, an app for applying to purchase a voucher. The support mini-app is displayed, for example, on the display unit of the user terminal device 10 of a user who is assumed to satisfy or have the potential to satisfy the conditions for purchasing a voucher. The support app may be a mini-app prepared by a requester for issuance of a voucher, or may be a mini-app prepared by a provider of an electronic payment service.

[0052] For example, when it is determined that the user is able to purchase an electronic voucher based on information about the user and the conditions for purchasing the voucher, the content providing unit (processing unit) 130 causes the display unit of the user terminal device 10 to display, in cooperation with the payment app, an interface screen for the electronic payment service including information on a supporting mini-app corresponding to the payment app 20 of the electronic payment service that supports the purchase of the electronic voucher determined to be able to be purchased. When it is determined that the user is not able to purchase an electronic voucher, the content providing unit 130 causes the payment app 20 and the display unit of the user terminal device 10 to display an interface screen for the electronic payment service that does not include information on the supporting mini-app. This process will be described below.

[0053] [Sequence diagram (part 1) / Processing related to displaying the support mini-app] FIG. 9 is a flowchart showing an example of the flow of the process executed by the payment application 20 and the payment server 100. First, when the user performs an operation to start the payment application 20 (S100), the payment application 20 transmits the user's identification information (user ID) such as an account ID and a request for providing content to the payment server 100 (S102). Next, the content determination unit 120 of the payment server 100 determines whether or not to include the support mini-app in the content (S104). Next, the content providing unit 130 of the payment server 100 specifies content according to the result of the determination, and provides the specified content to the payment application 20 (S106). Next, the payment application 20 causes the display unit of the user terminal device 10 to display the content (S108). For example, in the case of a positive determination result, an interface screen including the support mini-app is displayed on the display unit, and in the case of a negative determination result, an interface screen not including the support mini-app is displayed on the display unit.

[0054] The determination of whether or not to include the support mini-app in the content is made based on information used for the determination and conditions. FIG. 10 is a diagram showing an example of information used for the determination. The information used for the determination is, for example, a location information history, a history of a store where payment was made, a registered address (a provided address or an address where the identity has been verified), and the like. The condition is, for example, that a predetermined area has been visited a predetermined number of times or more in a predetermined period in the location information history. The predetermined area is an area where a voucher can be used. The condition is, for example, that an electronic payment service has been used a predetermined number of times or more at a member store in a predetermined area in a predetermined period in the electronic payment history. The condition is, for example, that the information managed by the electronic payment service includes the user's address and that the address is within a preset area. The address may be an address entered by the user or may be an address on a certificate provided by the user (an address where the identity has been verified). The address may also be an address where the identity has been verified. A combination of some of the above information and conditions may be used.

[0055] Note that even users who do not satisfy the above conditions can install mini apps from links displayed on a specific web page or view information provided by the mini apps.

[0056] As described above, the payment server 100 provides information on a support mini-app that supports the purchase of a target voucher to a user who meets or is estimated to meet the purchase conditions. This prevents unnecessary information from being provided to non-target users, improving user convenience.

[0057] [Sequence diagram (part 2) / Voucher purchase application process] FIG. 11 is a flowchart showing an example of the flow of processing executed by the support mini app and the payment server 100. First, when the user performs an operation to start the support mini app (S200), the support mini app transmits a user ID, a request for providing content, and a request for determination to the payment server 100 (S202). Next, the payment server 100 performs various determinations (S204). Next, the payment server 100 specifies content according to the result of the determination, and provides the specified content to the support mini app (S206). Next, the support mini app displays the content on the display unit of the user terminal device 10 (S208). Part of the above processing may be executed by the support mini app. For example, the support mini app may obtain the determination result in S206, and display the content according to the determination result on the display unit of the user terminal device. Details of each processing will be described later.

[0058] [Flowchart / Processing for various judgments] 12 is a flowchart showing an example of the flow of the process executed by the payment server 100. The order of this process may be changed, or some of the processes may be omitted. For example, the order of the processes of S302 and S304 may be changed. The process of S302 or S304 may be omitted.

[0059] First, the payment server 100 judges whether or not a request transmitted in response to the user starting the assistance mini-app is acquired (S300). When the above request is acquired, the payment server 100 judges whether or not the user has been verified (S302). When the user has not been verified, the process proceeds to S310. When the user has been verified, the payment server 100 judges whether or not the user's address satisfies a condition (S304). The condition is that the address is included in a pre-set area (for example, an area where the voucher can be used or an area designated by a local government). When the user's address does not satisfy the condition, the payment server 100 executes a process to prompt the user to perform identity verification using the identity verification mini-app (S310). For example, a button for activating the identity verification mini-app is displayed on the display unit of the user terminal device 10.

[0060] If the user's address satisfies the conditions, the payment server 100 provides a number of units interface screen that allows the user to select the number of units to purchase the voucher (S306). Next, when the user selects the number of units, the payment server 100 provides the user with a workplace interface screen for inputting information about the workplace (S308). The payment server 100 acquires the information about the workplace that has been input, etc. On the condition that the information about the workplace has been provided, the determination unit 160 determines that the conditions for applying to purchase a voucher are met, and further determines that the conditions for granting are met. This ends the processing of one routine of this flowchart.

[0061] A part or all of the above processes may be executed by the support mini app. For example, the support mini app may request information from the payment server 100, obtain information indicating whether the user has been identified or not, and the name and address confirmed by the identity verification from the payment server 100, and perform the determinations of S302 and S304 based on the obtained information. The support mini app may also display one or both of the interface screens of S306 and S308 on the display unit of the user terminal device 10 without linking with the payment server 100.

[0062] In addition, the provision of workplace information by the user and the determination of whether or not the workplace information has been provided may be performed after a lottery, which will be described later.

[0063] In addition, in this embodiment, a process for a voucher, which is a gift certificate purchased by a user, will be described. Alternatively, a process for a voucher such as a benefit provided by a local government or a country to a user without a purchase may be performed. In this case, the payment server 100 grants a voucher to a user when a condition is satisfied. The condition may be, for example, one or both of the fact that the user has been identified and the fact that the address satisfies a condition. In addition, a condition different from the above condition may be added, or another condition may be added instead of the above condition. The other condition may be, for example, that the voucher for the benefit has not been received.

[0064] [Interface screen for selecting number of shares] Fig. 13 is a diagram showing an example of a number of vouchers interface screen. The number of vouchers interface screen includes, for example, an input field for inputting the number of vouchers to be purchased, a Next button for displaying the next interface screen, etc. When the user inputs the number of vouchers and operates the Next button, the interface screen shown in Fig. 14 is displayed.

[0065] [Interface screen for entering information about your workplace] 14 is a diagram showing an example of the contents of a workplace interface screen. The workplace interface screen includes, for example, an input field for inputting the user's workplace, and an operation button for uploading an image of a certificate for certifying the workplace. For example, when the start image capture button is operated, the imaging unit of the user terminal device 10 is started, and the user can capture an image of the certificate with the imaging unit. The captured image is then uploaded to the payment server 100 by a predetermined operation.

[0066] As described above, the payment server 100 accepts an application to purchase a voucher from a user who satisfies the identity verification and address conditions and provides information about his / her place of employment. The payment server 100 can easily accept the application of the target user.

[0067] [Flowchart / Lottery-related processing] The lottery unit 170 extracts users who can purchase electronic vouchers based on the number of vouchers set from among multiple users who applied to purchase electronic vouchers. Specifically, the lottery unit 170 selects a predetermined number of winning entries. The determination unit 160 determines to grant an electronic voucher to a user on the condition that information indicating the user's place of employment has been confirmed by a confirmer is obtained from the confirmer terminal device 500 (another device).

[0068] FIG. 15 is a flowchart showing an example of the flow of the process executed by the payment server 100. First, the lottery unit 170 of the payment server 100 judges whether it is time to draw a lottery (S400). If it is time to draw a lottery, the lottery unit 170 executes a lottery (S402) and identifies a winner (S404). Next, the confirmation processing unit 180 of the payment server 100 provides information about the winner to the confirmer (S406). For example, the confirmation processing unit 180 provides the information about the winner to the confirmer terminal device 500.

[0069] Next, the confirmation processing unit 180 judges whether or not the confirmation result is obtained from the confirmer terminal device 500 (S408). Next, the judgment unit 160 of the payment server 100 judges whether or not the target user is a user who can purchase a voucher (a user who can be given a voucher) based on the confirmation result (S410). If the target user is a user who can purchase a voucher, the payment server 100 notifies the user of the winning (S412). The notification may be a push notification to the payment application 20 or the mini application 30, or may be a notification using email or short mail. The email or short mail address is an address registered in advance by the user. If the target user is not a user who can purchase a voucher, the processing of one routine of this flowchart ends. In this case, the user may also be notified that he or she did not win.

[0070] A user who can purchase a voucher is, for example, a user who has won and whose confirmation result is positive. A user who has a positive confirmation result is, for example, a user whose workplace information and user name (e.g., address and name where identity verification has been performed) entered by the user match the information in the certificate indicating the workplace and whose workplace meets the criteria. For example, a workplace meeting the criteria means that the workplace is located within a specified area. If a user works for a company or the like within a specified area, the user is a user who can purchase a voucher. The specified area is, for example, an area where the voucher can be used or an area designated by a local government.

[0071] [Interface screen provided to the reviewer] FIG. 16 is a diagram showing an example of an interface screen displayed on the display unit of the verifier terminal device 500. This interface screen includes various information such as the winner's name, information on the place of employment input by the user (for example, the place of employment and the location of the place of employment), and information such as an image of the uploaded certificate. The verifier refers to this information to confirm whether the place of employment is in a specified area, whether the input information matches the information on the certificate, and operates the verifier terminal device 500 to register the result of the confirmation. Furthermore, the verifier checks whether the date written on the certificate satisfies the conditions and registers the result of the confirmation. The registered result of the confirmation is provided to the settlement server 100. If there is a defect in the process of the confirmation, the verifier may request the user to provide information to resolve the defect. For example, the administrator may operate the verifier terminal device 500 to request the submission of a certificate different from the certificate submitted to the user terminal device 10.

[0072] In this way, the checker can easily check whether the user has the authority to purchase the voucher by referring to the information provided by the payment server 100. The checker's determination may be automated. For example, the payment server 100 may perform image processing to determine whether various information recognized from an image matches the information entered by the user.

[0073] If, as a result of the above process, there are users who do not satisfy the purchase conditions and the number of vouchers purchased does not satisfy the upper limit, the lottery section 170 may hold a lottery again and select the users who did not win as winners.

[0074] [Payment and credit processing] When a user performs an operation to purchase an electronic voucher using a payment method (e.g., charge balance, credit card payment, etc.) associated with the user's account of the electronic payment service, the granting unit 190 grants the electronic voucher to the user by associating the electronic voucher with the user's account.

[0075] FIG. 17 is a diagram for explaining the process of settlement and granting of a voucher purchase. (A) A user who has received a notice of winning operates the user terminal device 10 to make an electronic payment using the payment application 20 according to the instructions included in the contents of the notice. (B) The payment server 100 grants a voucher to the user in response to the electronic payment. Specifically, the payment server 100 grants the voucher to the user by associating the voucher identification information (ID) and information about the voucher (e.g., amount, expiration date, issuer name, etc.) with the user's account of the electronic payment service. At this time, the payment server 100 grants the information about the voucher by referring to the voucher information 308. The voucher information 308 includes the voucher ID, issuer name, expiration date, amount, and information about the affiliated store where the voucher can be used.

[0076] 18 shows an example of the contents of user information 302 to which a voucher has been issued. For example, a voucher ID and voucher information related to the voucher are associated with an account ID and a user ID. This allows the user to use the voucher at a participating store of the electronic payment service by using payment application 20.

[0077] [Payment process using vouchers] FIG. 19 is a diagram for explaining a process related to a payment using a voucher. A user can operate the payment application 20 to select a voucher as a payment method and make a payment using the voucher at an affiliated store where the voucher can be used. The payment server 100 makes a payment by, for example, referring to a voucher ID and voucher information (amount of the voucher) associated with the user ID of the user. The payment server 100 makes a payment by, for example, deducting the payment amount from the amount of the voucher. Note that even if the user has not selected a voucher and has selected another payment method, if the user has set in advance to preferentially make a payment using a voucher, the payment server 100 may preferentially make a payment using a voucher. For example, even if the user has made a payment while setting a payment method for the charge balance, if the user has a voucher that can be used at an affiliated store, the payment server 100 makes a payment by deducting the payment amount from the amount of the voucher without deducting the payment amount from the charge balance.

[0078] As described above, the user can easily make payments using the voucher at the applicable affiliated store.

[0079] As described above, a user can use an electronic payment service to easily purchase a voucher whose issuance is requested by a service provider (e.g., a local government) different from the electronic payment service or the affiliated store. Furthermore, the user can use this voucher for electronic payment with the electronic payment service. In this way, if a user has an account with the electronic payment service, the user can seamlessly apply for, purchase, and use a voucher as described above.

[0080] Generally, when a local government issues a voucher, a user may apply for or purchase the voucher on a specific website, receive the voucher by mail, or purchase and use the voucher by installing an app provided by the local government. In this embodiment, the process from purchase to use can be seamless as described above, improving user convenience.

[0081] Furthermore, the requester of the voucher does not need to acquire affiliated stores from scratch just for the voucher, but can utilize affiliated stores of the electronic payment service, which is advantageous for both the requester of the voucher and the user who purchases the voucher, since the voucher can be used at many affiliated stores.

[0082] [Interface provided to affiliated stores] The management processing unit (processing unit) 200 statistically processes indicators showing the usage status of electronic payments using electronic vouchers at a specified affiliated store (e.g., sales, indicators showing the attributes of the user who used the electronic voucher, the number of times the user used the affiliated store, etc.), and provides the processed information to the affiliated store interface 72 for display on the affiliated store interface 72 of the specified affiliated store. The payment server 100 statistically processes the voucher usage history and provides the result of the statistical processing to the affiliated store interface 72.

[0083] 20 is a diagram showing an example of an interface screen provided to the member store interface 72. This interface screen includes information such as sales made at the member store using the electronic payment service for a specified period, the percentage of sales made using vouchers, the age distribution of users who have used vouchers, and the member store usage history of users who have used vouchers. In addition to the above information, various information related to the use of vouchers may also be included.

[0084] By viewing the information on voucher usage as described above, the affiliated store can easily recognize the voucher usage trend. For example, the affiliated store can consider measures regarding the use of vouchers by referring to the above information. For example, the affiliated store can consider measures such as offering a special benefit when a payment is made using a voucher, or offering a discount coupon that can be used next time to users who use a voucher in order to increase repeat customers.

[0085] [Interface screen provided to local governments] The management processing unit (processing unit) 200 statistically processes indicators showing the usage status of electronic payments using electronic vouchers (e.g., sales amount, usage amount, usage rate, and indicators related to the business type of the affiliated store where the voucher was used) and provides the processed information to the service provider's terminal device for display on the display unit of the service provider's terminal device. The settlement server 100 statistically processes the voucher usage history and provides the results of the statistical processing to the local government terminal device 600.

[0086] FIG. 21 is a diagram showing an example of an interface screen provided on the display unit of the local government terminal device 600. This interface screen includes information such as the sales status and usage status of the voucher, such as the sales amount of the voucher, the usage amount which is the amount by which the voucher was used, the usage rate relative to the sales amount, the tendency of the business type of the affiliated store where the voucher was used, and the ranking of the affiliated store where the voucher was used. The business type of the affiliated store where the voucher was used includes the food and beverage, beauty, and electronics stores. The interface screen may also include information such as the usage rate of the voucher in FIG. 20, the age of the voucher usage, and the usage history of the affiliated store by the user who used the voucher.

[0087] By viewing the information on voucher usage as described above, local governments can easily recognize voucher usage trends. For example, local governments can refer to the above information to check the effectiveness of voucher-related policies and consider their next policies.

[0088] [Management of funds] The management processing unit (processing unit) 200 manages the funds. The electronic voucher can be used in electronic settlement for the amount of use, which is the sum of the sales price and the premium, and the premium is used preferentially in electronic settlement. The management processing unit 200 acquires the fee for providing and using the electronic voucher from the service provider and the funds for the premium from the terminal device of the service provider. For example, the management processing unit 200 acquires information indicating the amount of the fee and information indicating the funds for the premium, and stores them in the storage unit 300. After the expiration date of the voucher, the management processing unit 200 derives the profits related to the sale and use of the voucher in the electronic settlement service using the information indicating the amount of the fee, the information indicating the funds for the premium, and the use history of the voucher. The profits are, for example, the sum of the fee for the electronic settlement service based on the use history of the voucher (settlement fee obtained from the affiliated store) and the fee obtained from the requester of the issuance of the voucher in response to the sale or use of the voucher. The timing at which the electronic payment service provider receives the funds for the fee or premium may be before the voucher is given to the user, or at any time. The fee may be calculated based on the usage record of the voucher.

[0089] The management processing unit 200 derives the amount of unused premium money based on the payment history of electronic payment in order to return the unused premium money to the service provider who provided the premium money after the expiration date of the electronic voucher.

[0090] FIG. 22 is a diagram for explaining the management of the original funds. The settlement server 100 receives the fee and the original funds (premium portion) related to the voucher service. After the expiration date set for the voucher has passed, the settlement server 100 counts up the unused vouchers and returns the total of the premium portion of the counted vouchers to the local government. For example, when a voucher is used, the premium portion of the voucher is considered to have been used preferentially and the above counting is performed. Specifically, for example, when a 15,000 yen voucher is given for 10,000 yen, and 5,000 yen is the premium portion, if a user uses 4,000 yen, the 4,000 yen voucher is considered to have been used. In this state, when the expiration date expires, the 1,000 yen, which is the premium portion of the voucher, is subject to return to the local government. The above-mentioned receiving or returning is, for example, a process for managing accounting books or data. Based on the above process, money is transferred from a bank account or the like.

[0091] As described above, the payment server 100 manages the usage history of the voucher in the electronic payment service, and therefore can appropriately process the funds provided by the local government and return them appropriately according to the voucher usage status.

[0092] According to the above-described embodiment, the payment server 100 can assist in appropriately granting a voucher to a target user.

[0093] [Variation 1] The payment server 100 may change information to be included in an interface screen displayed by the payment application 20 on the display unit based on the user's identity verification information. For example, the payment server 100 includes information on a voucher that the user can purchase on the interface screen. Specifically, when the content providing unit (processing unit) 130 determines that the user can purchase an electronic voucher based on the information on the user and the conditions for purchasing the voucher, the content providing unit 130 causes the display unit of the user terminal device 10 to display an interface screen of the electronic payment service including information on a mini-app corresponding to the payment application of the electronic payment service that supports the purchase of the electronic voucher determined to be purchaseable in cooperation with the payment application 20. When the content providing unit 130 determines that the user cannot purchase an electronic voucher, the content providing unit 130 causes the display unit of the payment application 20 and the user terminal device 10 to display an interface screen of the electronic payment service that does not include information on the mini-app. FIG. 23 is a diagram showing an example of an interface screen displayed on the display unit. The interface screen includes, for example, information on a mini-app of a service of a voucher that the user has the authority to purchase or grant.

[0094] The settlement server 100 determines the mini-apps to be included in the interface screen based on the voucher management information 310 stored in the storage unit 300 and the user's identity verification information. FIG. 24 is a diagram showing an example of the contents of the voucher management information 310. The voucher management information 310 is information in which, for example, the type of mini-app and the condition for receiving the service provided by the mini-app (condition for purchasing a voucher) are associated with each other. For example, a voucher for the support mini-app X can be purchased (used) by a user who lives in XX prefecture and works at a company in XX prefecture, a voucher for the support mini-app Y can be purchased (used) by a user who lives in XX city, and a voucher for the support mini-app Z can be purchased (used) by a user who lives in XX prefecture. The settlement server 100 compares the voucher management information 310 with the address verified by identity verification to determine the mini-apps to be included in the interface screen. Note that, in this determination, information that cannot be verified by the information obtained by identity verification (for example, place of employment) may not be taken into consideration. In this case, a certificate or the like is required in a later process.

[0095] As described above, the payment server 100 provides the user with information on mini-applis related to voucher services that the user can apply for, thereby improving usability for the user.

[0096] [Variation 2] In the above [Modification 1], the mini app 30 is described as being divided for each service, but instead of (or in addition to) this, the mini app 30 may be a mini app that supports the purchase of multiple types of vouchers. For example, the mini app 30 may be displayed on the display unit when there is a voucher that the user can apply to purchase, or may be displayed on the display unit even when there is no voucher that the user can apply to purchase.

[0097] For example, when it is determined that there is a voucher that the user can purchase by referring to information in which the type of voucher is associated with the conditions under which the voucher can be purchased, when the user activates the mini-app 30, a list of vouchers that the user can apply for is displayed on the display unit. The content providing unit (processing unit) 130 corresponds to the payment app 20 of the electronic payment service, and in cooperation with a mini-app that supports the purchase of electronic vouchers, displays information on electronic vouchers that the user can purchase based on information on the user and the conditions for purchasing the voucher on an interface screen displayed on the display unit of the user terminal device 10. FIG. 25 is a diagram showing an example of content showing a list of vouchers. When the user operates a button for applying to purchase a desired voucher, the process of FIG. 12 described above is executed. In this case, the determination of whether or not identity verification can be performed and the determination of whether the address satisfies the conditions may be omitted.

[0098] In addition, when the support mini-app works in cooperation with another server device to display the interface screen, the support mini-app or the other server device may identify information about electronic vouchers that the user can purchase based on information about the user and the conditions for purchasing the voucher, or may obtain information about electronic vouchers that the user can purchase from the payment server 100.

[0099] [Variation 3] In the above [Modification 1] and [Modification 2], it has been described that the user's address has been confirmed by, for example, identity verification, but if the address has not been confirmed, information on mini-apps or vouchers that may be purchased may be provided to the user. For example, the payment server 100 may use one or both of the electronic payment history and the history of location information acquired by the payment application 20 to estimate the user's place of residence or place of work, and based on the estimation result, may suggest to the user a mini-app or voucher that supports the purchase of a voucher that the user can apply for. For example, a location or area where the user stays for a predetermined time or more may be estimated to be the user's address, or an area or vicinity of an affiliated store where electronic payments have been made a predetermined number of times or more may be estimated to be the user's address. In addition, the payment server 100 may statistically process these results and determine that an area with a score equal to or higher than a threshold or an area with the highest score is the user's address. In the following description, an example of proposing a voucher will be described.

[0100] FIG. 26 is a diagram showing an example of an interface screen displayed on the display unit of the user terminal device 10. For example, when a user operates a mini-app that supports the purchase of a voucher, the interface screen of FIG. 26 is displayed on the display unit. The mini-app may be displayed when there is a voucher for which the user may be able to apply, or may be displayed even when there is no voucher for which the user may be able to apply. The above interface screen includes, for example, information on a voucher for which the user may be able to apply, information indicating that the information on the voucher is estimated from the history of location information and the payment history, and information indicating that an accurate determination can be made by performing identity verification. Furthermore, the interface screen includes, for example, a button for performing identity verification and a button for applying to purchase a voucher. For example, when a user operates a button for performing identity verification in order to obtain accurate information, an identity verification app is started, and the user can perform identity verification. The payment server 100 proposes a voucher for which the user may apply, depending on the result of identity verification. When a user operates a button for applying to purchase a voucher, a mini-app for supporting the purchase of a voucher is started, and a process for accepting an application for purchasing a voucher is started. At this time, the user applies to purchase a voucher by carrying out a predetermined process (e.g., identity verification, uploading of a certificate) according to the conditions for purchasing the voucher.

[0101] As described above, the payment server 100 can prevent the user from losing an opportunity to purchase a voucher by using the location information history or the payment history to suggest a voucher to the user, thereby improving the user's convenience.

[0102] 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]

[0103] 1. Electronic payment systems 10 User terminal device 20. Payment App 30 Mini Apps 50 First store terminal device 72 Merchant Interface 100 Payment Server 120 Content Judgment Department 130 Contents Provider 140 Payment processing unit 150 Information Management Department 160 Judgment section 170 Lottery Section 180 Confirmation processing section 190 Granting Department 200 Management department 300 Storage section 302 User information 304 Content Information 306 Store Information 308 Voucher Information 500 Confirmation terminal device 600 Local Government Terminal Equipment

Claims

1. an acquisition unit that acquires identification information and a request of a user of the electronic payment service; a determination unit that, in response to the user's identification information and a request, determines whether or not to grant to the user an electronic voucher that is provided in the electronic payment service by a service provider other than the electronic payment service and the affiliated store of the electronic payment service and that can be used for electronic payment using the electronic payment service at the affiliated store of the electronic payment service, based on information about the user associated with the user's identification information managed by the electronic payment service; an assigning unit that assigns an electronic voucher to the user by associating the electronic voucher with the user's account based on the result of the determination; An information processing system comprising:

2. the determination unit determines whether or not to grant the electronic voucher to the user based on information about the user's address, which is information about the user; The information processing system according to claim 1 .

3. The determination unit determines to grant the electronic voucher to the user if the address of the user is within a region set by the service provider. The information processing system according to claim 2 .

4. the determination unit determines whether or not to grant the electronic voucher to the user based on information related to identity verification performed in the electronic payment service, which is information related to the user; The information processing system according to claim 1 .

5. The information regarding the identity verification includes information regarding the address of the user; The determination unit determines to grant the electronic voucher to the user on condition that the address of the user is included in a preset area.

5. The information processing system according to claim 4.

6. The service provider is a local government; The information regarding the identity verification includes information regarding the address of the user; The determination unit determines to grant the electronic voucher to the user on the condition that the address of the user is included in an area under the jurisdiction of the local government.

6. The information processing system according to claim 5.

7. The information regarding the identity verification further includes information regarding whether the identity verification has been performed, The determination unit further grants the electronic voucher to the user on condition that the identity verification has been performed.

7. An information processing system according to claim 4.

8. The determination unit further determines to grant the electronic voucher to the user on the condition that information indicating the user's place of employment is provided by the user. The information processing system according to claim 7.

9. the determination unit determines to grant the electronic voucher to the user on condition that information indicating the user's place of employment has been confirmed by a confirmer is obtained from another device; The information processing system according to claim 8.

10. a lottery unit that selects users who can purchase the electronic voucher based on a set number of vouchers from a plurality of users who have applied to purchase the electronic voucher; The granting unit associates the voucher with the account of the winning user. The information processing system according to claim 8.

11. In response to an operation of the user to purchase the electronic voucher using a payment method associated with the user's account of the electronic payment service, The granting unit grants the electronic voucher to the user by associating the electronic voucher with an account of the user. The information processing system according to claim 8.

12. The service provider is a local government; The information about the user is information about the user's address and information indicating whether identity verification has been performed, If the determination unit determines that the address of the user is included in an area under the jurisdiction of the local government, that the identity verification has been performed, and that information indicating the user's place of employment has been provided, the determination unit determines to accept the user's application to purchase the electronic voucher; a lottery unit that selects a set number of applications from the number of applications received as candidates for purchasing the electronic voucher; The granting unit associates the voucher with an account of a user whose application was won in the lottery of the lottery unit. The information processing system according to claim 1 .

13. when it is determined that the user is able to purchase the electronic voucher based on information about the user and conditions for purchasing the voucher, displaying an interface screen of the electronic payment service, including information about a mini-app corresponding to a payment app of the electronic payment service that supports the purchase of the electronic voucher determined to be able to be purchased, on a display unit of a terminal device of the user in cooperation with the payment app; a processing unit that, when it is determined that the user is not able to purchase the electronic voucher, displays an interface screen of the electronic payment service that does not include information about the mini-app on the payment app and on a display unit of a terminal device of the user; The information processing system according to claim 1 .

14. an interface screen displayed on a display unit of the user's terminal device in association with a payment app of the electronic payment service and a mini app that supports the purchase of the electronic voucher, a processing unit that displays information on the electronic voucher that the user can purchase based on information on the user and conditions for purchasing the voucher; The information processing system according to claim 1 .

15. The electronic voucher can be used for the electronic payment in an amount equal to the total of the sales price and the premium amount, The electronic voucher is used preferentially for the premium amount in the electronic payment, a processing unit that derives an amount of the unused premium amount based on a payment history of the electronic payment in order to return the unused premium amount to the service provider that provided the premium amount after the expiration date of the electronic voucher has expired. The information processing system according to claim 1 .

16. The electronic voucher can be used for the electronic payment in an amount equal to the total of the sales price and the premium amount, a processing unit for acquiring from the service provider a fee for providing and using the electronic voucher and a source of the premium from a terminal device of the service provider; The information processing system according to claim 1 .

17. a processing unit that provides processed information obtained by statistically processing an index showing a usage status of electronic payment using the electronic voucher to the terminal device of the service provider for display on a display unit of the terminal device of the service provider; The information processing system according to claim 1 .

18. a processing unit that provides processed information obtained by statistically processing an index showing a usage status of electronic payments using the electronic voucher at a specified affiliated store to a terminal device of the specified affiliated store for display on a display unit of the terminal device of the specified affiliated store; The information processing system according to claim 1 .

19. The computer Obtaining an identity and request of a user of the electronic payment service; determining whether or not to grant to the user an electronic voucher that is provided in the electronic payment service by a service provider other than the electronic payment service and the affiliated store of the electronic payment service and that can be used for electronic payment using the electronic payment service at the affiliated store of the electronic payment service, based on information about the user associated with the identification information of the user managed by the electronic payment service, in response to the identification information of the user and a request from the user; based on the result of the determination, granting the electronic voucher to the user by associating the electronic voucher with the user's account; Information processing methods.

20. On the computer, Obtaining an identity and request of a user of the electronic payment service; determining, in response to the user's identification information and a request, based on information about the user associated with the user's identification information managed by the electronic payment service, whether or not to grant to the user an electronic voucher that is provided in the electronic payment service by a service provider other than the electronic payment service and an affiliated store of the electronic payment service and that can be used for electronic payment using the electronic payment service at an affiliated store of the electronic payment service; granting the electronic voucher to the user by associating the electronic voucher with the user's account based on the result of the determination; program.

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