Information processing device, information processing method and program

Abstract

To provide an information processing device capable of improving usability relating to a privilege.SOLUTION: An information processing device includes: an acquisition unit for acquiring approval / disapproval information set by a user who uses an electronic settlement service and representing whether or not the user consents to the use of product identification information for identifying a product or a service relating to settlement using the electronic settlement service; and a processing unit for causing a display unit of a terminal device of the user to display privilege information relating to a privilege to be provided to the user in a provision mode corresponding to the approval / disapproval information.SELECTED DRAWING: Figure 1

Description

Technical Field

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

Background Art

[0002] Conventionally, there has been disclosed a service providing apparatus that provides an electronic payment service, the apparatus including: a coupon list providing unit that provides a list of coupons available to a user to a user terminal device used by the user of the electronic payment service; a coupon providing unit that stores correspondence information associating identification information of the user of the user terminal device with the coupon requested by the coupon acquisition request when receiving a coupon acquisition request from the user terminal device to acquire a desired coupon from the coupon list; and a settlement processing unit that executes a settlement process for providing the electronic payment service to the user. (See, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In the conventional technology, the user usability regarding benefits may be low.

[0005] The present invention has been made in consideration of such circumstances, and one of its objects is to provide an information processing apparatus, an information processing method, and a program capable of improving user usability regarding benefits.

Means for Solving the Problems

[0006] One aspect of the present invention is an information processing apparatus including: an acquisition unit that acquires permission information indicating whether or not to use product identification information for identifying a product or service related to a payment using the electronic payment service, which is set by a user who uses the electronic payment service; and a processing unit that causes a display unit of the user's terminal device to display privilege information regarding a privilege provided to the user in a provision mode according to the permission information.

Effect of the Invention

[0007] According to one aspect of the present invention, user usability regarding privileges can be improved.

Brief Description of the Drawings

[0008]

Figure 1

Figure 2

Figure 3

Figure 4

Figure 5

Figure 6

Figure 7

Figure 8

Figure 9

Figure 10

Figure 11

Figure 12

Figure 13

Figure 14

Figure 15

Figure 16

Figure 17

Figure 18

Figure 19

Figure 20

Mode for Carrying Out the Invention

[0009] Hereinafter, embodiments of an information processing apparatus, an information processing method, and a program of the present invention will be described with reference to the drawings. Various apparatuses for providing services to users or performing internal analysis, such as the "settlement server (information processing apparatus)" that appears below, may be realized by a decentralized group of apparatuses, and the operators of each apparatus may be different. Also, the holder of the hardware of the apparatus (provider of the cloud server) and the operator who actually operates the apparatus may be different. The application program and the settlement server cooperate to provide an electronic payment service. In the following description, the application program is referred to as a settlement application. The electronic payment service is a service that supports the settlement related to the purchase of goods and services in a store. A store is, for example, a physical store (actual store) existing in the real space, but may include a virtual store for e-commerce. The virtual store may include those provided by a party different from the operator of the electronic payment service. In that case, when making a purchase settlement in the virtual store, it is controlled to transition to the interface screen of the electronic payment service. In the electronic payment service, a store is, for example, treated as belonging to a franchise (brand), and processing such as settlement when a purchase action is performed in the store is mainly carried out between the user and the franchise. Instead of this, processing such as settlement 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 centering around a settlement server 100. The settlement 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, and a relay server 200 via a network NW. The relay server 200 communicates with a franchise server 300 via the 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. Note that the relay server 200 may be omitted, and the settlement server 100 and the franchise server 300 may communicate directly or via another device.

[0011] [User terminal device] 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, the configurations for realizing these functions are respectively referred to as a camera, a communication device, a touch panel, a CPU (Central Processing Unit), etc. In the user terminal device 10, when the settlement application 20 is executed by a processor such as a CPU, it operates to provide an electronic settlement service to the user in cooperation with the settlement server 100. The settlement application 20 is installed in the user terminal device 10 from, for example, an application store, and controls a camera, a communication device, a touch panel, etc.

[0012] [First store terminal device] The first store terminal device 50 is installed in a store, for example. 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. Note that the store code image 60 may be displayed by a display placed in the store (which may be a display of a terminal device such as a smartphone).

[0013] [Second store terminal device] The second store terminal device 70 is used by the operator of the franchise store. The second store terminal device 70 is a smartphone, a tablet terminal, a personal computer, or the like. In the second store terminal device 70, the interface 72 for the franchise store operates. The interface 72 for the franchise store may be an application for the franchise store or a browser. The interface 72 for the franchise store accepts the setting of coupons and the like by the operator of the franchise store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has functions such as displaying a code image corresponding to the store code image or reading the code image displayed by the user terminal device 10 by executing an application for the franchise store.

[0014] The payment server 100 realizes electronic payment based on the payment information received from the user terminal device 10, the first store terminal device 50, or the franchise store server 300. The first store terminal device 50 may include a POS device. In that case, the payment information is transmitted from the POS device to the payment server 100 via the franchise store server 300. For example, the payment information is transmitted to the payment server 100 via the relay server 200. In the following description, without particularly distinguishing this, there may be cases where it is described that the payment information is transmitted from the first store terminal device 50.

[0015] FIG. 2 and FIG. 3 are sequence diagrams illustrating a rough flow of electronic payment. There may be two patterns, pattern 1 and pattern 2, for electronic payment.

[0016] In the case of pattern 1 shown in FIG. 2 (hereinafter referred to as user scan), the user terminal device 10 in the state where the payment application 20 is activated decodes the store code image 60 by means of an optical reading function (S1). The store code image 60 contains information on the store URL (Uniform Resource Locator). This store URL is obtained by adding information capable of identifying the store to the domain of the electronic payment service, and is associated with the franchise store ID, 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 franchise store ID and store ID corresponding to the store URL, acquires information on the franchise store name and store name (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 where the franchise store name and store name are displayed (S5). Then, the user terminal device 10 generates the second payment information including at least the payment amount and transmits it to the payment server 100 (S6). The payment server 100 performs an electronic payment based on the received second payment information (S7). Then, the payment server 100 transmits a payment completion notification (information for displaying a payment completion screen) to the payment application 20 (S8), and the payment application 20 displays a payment completion screen (S9). When the store code image 60 is displayed by a display placed in the store, the store code image 60 may contain not only the store URL but also payment amount information. In this case, the procedure for the user to input the payment amount is omitted, and the payment amount information is included in the first payment information and transmitted to the payment server 100. Information on the franchise store name and store name may be included and displayed on the payment completion screen.

[0017] In the case of Pattern 2 shown in FIG. 3 (hereinafter referred to as store scan), when the payment application 20 is launched, when a payment operation is performed in the payment application 20, when the automatic update timing (for example, every minute) is reached, and at other timings, the payment application 20 sends a request to issue a one-time code to the payment server 100 (S11). The payment server 100 generates a one-time code (S12) and sends 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 in front of the first store terminal device 50, and the first store terminal device 50 decodes the code image by means of an optical reading function and acquires a one-time code or the like (S15). Then, the first store terminal device 50 generates payment information including the one-time code, the payment amount, the franchise ID, the store ID, etc., and sends it to the payment server 100 (S16). The information on the payment amount has been acquired in advance by barcode reading, manual input, or the like. The payment server 100 identifies the user corresponding to the one-time code based on the received information and performs an electronic payment (S17). Then, the payment server 100 sends a payment completion notification to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

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

[0019] [Payment Server] FIG. 4 is a configuration diagram of the settlement server 100 according to the embodiment. The settlement server 100 includes, for example, a communication unit 110, a content providing unit 120, a settlement processing unit 130, an information management unit 140, a processing unit 150, and a storage unit 170. Components other than the communication unit 110 and the storage unit 170 are realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including a circuit unit; circuitry) such as LSI (Large Scale Integration), ASIC (Application Specific Integrated Circuit), FPGA (Field-Programmable Gate Array), GPU (Graphics Processing Unit), or SOC (System On Chip), or may be realized by cooperation between software and hardware. The program may be stored in advance in a storage device (a storage device having a non-transitory storage medium) such as an HDD (Hard Disk Drive) or a flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or a CD-ROM, and may be installed in the storage device when the storage medium is mounted on a drive device. The information management unit 140 is an example of an "acquisition unit". The functional configuration of the processing unit 150, or the combined functional configuration of the settlement processing unit 130 and the processing unit 150, is an example of a "processing unit".

[0020] The storage unit 170 is an HDD, a flash memory, a RAM (Random Access Memory), or the like. The storage unit 170 may be a NAS (Network Attached Storage) device accessible by the settlement server 100 via a network. Information such as user information 172, content information 174, franchise / store information 176, and privilege information 178 is stored in the storage unit 170.

[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 content providing unit 120 has, for example, the 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 content providing unit 120 appropriately reads necessary content from the content information 174 and provides it to the user terminal device 10. The user terminal device 10 receives various inputs by the user in a state where the content is reproduced by the payment application 20, and transmits the above-described payment information and the like to the payment server 100. As described above, the content providing unit 120 and the payment application 20 cooperate to display content related to the electronic payment service on the display unit of the user terminal device 10.

[0023] The payment processing unit 130 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 130 performs payment processing while referring to the user information 172.

[0024] FIG. 5 is a diagram showing an example of the content of the user information 172. The user information 172 is an example of the user's registration information. The user information 172 includes, for example, a user URL, an account ID, a telephone number, a password, as well as an email address, a user ID, name, address, date of birth, registration date, charge balance, post-payment setting, post-payment limit, post-payment usage amount, post-payment available amount, payment method setting, bank account, credit card number, charge history information, payment history information, and other information that are associated with each other. The user URL is used for money transfer processing between users. When newly registering for the electronic payment service, registration of a telephone number and a password is required. The account ID is issued to the user by the payment server 100, and the user ID is an ID that the user can optionally set (it is not necessary to set it). Similarly, the email address, and the name, address, and date of birth are also information that the user can optionally set (it is not necessary to set it). The registration date is the date when the user registered for the electronic payment service (the date when the account was created). Hereinafter, an instance of the user (electronic payment account) in which these pieces of information are associated with each other is referred to as an account.

[0025] The remaining charge amount is information indicating the remaining amount of electronic money set by the user's prior transfer to the account. As means of transfer, there are transfers from the ATM (Automatic Teller Machine) of a designated business operator (bank), transfers from a registered bank account, etc. The post-payment setting is information indicating whether the setting for enabling electronic payment by post-payment has been completed or not, and is set to either "completed" or "not completed". The post-payment limit is the monthly available limit for post-payment, the post-payment usage amount is the amount of post-payment already used in the current month, and the available post-payment amount is the amount of post-payment available in the current month obtained by subtracting the post-payment usage amount from the post-payment limit. Although only one post-payment limit is shown in the figure, in reality, there are further upper limits on a daily basis, etc., and the lower of these may be set as the post-payment limit. Further details of post-payment will be described later. The payment method setting is setting information indicating whether the user conducts an electronic payment using the remaining charge amount or a payment by post-payment at that time. Each of the bank account and credit card number is information (account number, card number) of a bank account or credit card number that can receive deposits for the electronic payment service. The charge history information is the history of the user's prior transfer to the electronic payment service to increase the remaining charge amount. The settlement history information is information showing the breakdown of the settlements made by the user (date and time, store ID of the store where the purchase action was taken, settlement amount, payment method, etc.) for each settlement.

[0026] Figure 6 is a diagram showing an example of the content of the 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 the store URL, a second table 176B in which an affiliated store name and sales amount (described above) are associated with the affiliated store ID, and a third table 176C in which a store name is associated with the store ID. In addition to these pieces of information, the affiliated store / store information 176 may include information such as the category of the affiliated store or store, the location of the store, and the settlement pattern.

[0027] The information management department 140 manages user information 172 and franchise / store information 176 based on the information acquired from the user terminal device 10 and the second store terminal device 70. The information management department 140 adds, edits, deletes, etc. new records for the user information 172 and the franchise / store information 176.

[0028] The information management department 140 acquires approval information indicating whether or not to consent to the use of product or service identification information for identifying products or services related to payments made using an electronic payment service set by a user who uses the electronic payment service. The acquired information is managed in the privilege information 178. The privilege information 178 may be information integrated into the user information 172.

[0029] FIG. 4 is a diagram showing an example of the content of the privilege information 178. The privilege information 178 is information in which, for example, normal privileges, specific privileges, and the presence or absence of consent to product or service identification information are associated with information for identifying a user (for example, an account ID). The information management department 140 associates information indicating consent or non-consent with respect to the consent items of the privilege information 178 according to the operation of the payment application 20 of the user. Details of these will be described later.

[0030] [Electronic Payment] When the payment processing department 130 acquires payment information from the user terminal device 10 or the first store terminal device 50, it 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 department 130 performs electronic payment as follows. The payment processing department 130 performs electronic payment, for example, by decreasing the charge balance managed in association with the user ID and increasing the item value of the sales amount of the franchise. The item value of the sales amount of the franchise is not, for example, itself used as electronic money, and the amount corresponding to the item value of the sales amount is transferred to the bank account in a cycle according to the agreement between the franchise and the electronic payment service.

[0031] The settlement processing unit 130 performs electronic settlement as follows for users whose "setting information" is set to "post-payment". Post-payment is set separately from "credit payment" through cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor and permits electronic settlement that does not depend on the remaining recharge amount within the scope of the post-payment limit. Note that in order to receive the post-payment service, it may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for post-payment is settled in one lump sum on the payment date of the following month, for example, by debit from a bank account. In this case, the settlement processing unit 130 performs provisional settlement by adding the settlement amount to the post-payment usage amount and subtracting the same amount from the available post-payment amount. When the closing date arrives, the processing for debiting the settlement for the current month to the payment date of the following month as described above is performed, or this processing is requested from the operator of the credit card company. If the settlement amount exceeds the available post-payment amount at the time of provisional settlement, an error notification is returned to the settlement application 20.

[0032] [Processing Unit] The processing unit 150 causes the display unit of the user terminal device 10 to display privilege information regarding the privileges provided to the user in a provision mode according to the availability information. Privileges are, for example, benefits given to users such as awarding points, providing discounts, awarding electronic stamps to an electronic stamp card, and providing goods, etc. (products, services, goods). Hereinafter, the outline and details of this processing will be described.

[0033] [Outline] In an electronic payment service, for example, a specific privilege and a privilege different from the specific privilege are used. A privilege different from the specific privilege is referred to as a normal privilege. The specific privilege is, for example, a privilege that can be granted to a user by using product identification information or the like for identifying a product or service related to a payment using the electronic payment service. The normal privilege (a privilege different from the specific privilege) is, for example, a privilege that can be granted to a user without using product identification information or the like. Granting means that the processing unit 150 associates a privilege with the account ID of the privilege information 178 and makes it available (transferable) in the electronic payment service.

[0034] FIG. 8 is a diagram for explaining normal privileges and specific privileges. The normal privilege is a privilege in which when a user makes a payment using the electronic payment service at a target store (franchise store), a privilege (coupon) is applied to the total payment amount. In the example of FIG. 8, for example, 10% points are granted to the user with respect to the total payment amount regardless of the product or the like that is the product or service related to the payment. Being granted means that points are associated with the user's account ID.

[0035] The specific privilege is a privilege in which when a user makes a payment using the electronic payment service at a target franchise store, a specific product (or service) is excluded from the target of privilege granting, and a privilege (coupon) is applied to the total payment amount of products or the like other than the specific product. In the example of FIG. 8, for example, 10% points are granted to the user with respect to the total payment amount of products or the like other than product A related to the payment. Regarding the specific privilege, processing is performed using product identification information or the like for identifying a product or service.

[0036] In an electronic payment service, a user can obtain the privilege of awarding a privilege by performing an operation to obtain the privilege of awarding a privilege on the screen for obtaining a privilege by operating the payment application 20. Specifically, a coupon can be obtained by performing an operation to obtain a coupon. When a user has obtained a coupon, the user can obtain a privilege by having the coupon automatically applied when making a payment at a franchise store without presenting the coupon to the franchise store during the payment in the electronic payment service. Alternatively, a privilege may be granted by presenting a coupon instead of the above.

[0037] FIG. 9 is a diagram for explaining another example of a specific privilege. The specific privilege is a privilege in which when a user makes a payment using the electronic payment service at a target franchise store, a privilege (coupon) is applied to the payment amount of a specific product (or service). In the example of FIG. 9, a privilege (coupon) is applied to the total payment amount of the specific product (〇〇 burger) related to the payment. Regarding the specific privilege, processing is performed using product identification information for identifying a product or service.

[0038] The payment server 100 grants or permits the use of a normal privilege to the user regardless of whether the user consents to the use of the product identification information. The payment server 100 grants or permits the use of a specific privilege to the user when the user consents to the use of the product identification information.

[0039] [Information used by the payment server when the user consents to the use of product identification information] FIG. 10 is a diagram (1) for explaining information used by the settlement server 100. The affiliated store server 300 transmits processing information to the settlement server 100 via the relay server 200. The settlement server 100 performs settlement using the settlement information included in the processing information, and performs processing for applying specific benefits using the product and other information included in the processing information. The product and other information is information regarding the product (or service) and the amount settled at the affiliated store, and includes, for example, the amount of the product, the category of the product, the identification information of the product (product and other identification information), etc. The product and other identification information is identification information for identifying a product such as a JAN code. When consent to the use of the product and other identification information is obtained, the settlement server 100 performs processing for applying specific benefits to the user using the product and other identification information. Note that the settlement server 100 may obtain information on the amount of a product for which product identification information is not given from the relay server 200.

[0040] The above-described processing information (or product and other information) may include, for example, information on the number of products (or services) related to the settlement and the price per unit in addition to the above information. The settlement server 100 derives the total settlement amount based on the number of products and the price per product. Further, the above-described processing information (or product and other information) may include information indicating the amount of discount for the product. This discount amount can be arbitrarily set by the affiliated store.

[0041] For example, in the following scenarios, information indicating the amount of discount is provided to the settlement server 100. For example, when a predetermined privilege provided outside the electronic payment service is used, the settlement server 100 is provided with the amount of discount. The predetermined privilege is, for example, a beer coupon or an XX merchandise coupon. For example, when a predetermined privilege is applied to individual products instead of the total amount of settlement at a franchise store and a discount is given, the settlement server 100 acquires information indicating the amount of discount and information on the products subject to the discount. For example, in the case of settlement related to clearance items or promotional items such as XX yen off, XX percent off, or half price, which are often seen at franchise stores such as supermarkets (when a product normally priced at 150 yen is settled at 100 yen), the settlement server 100 acquires information indicating the amount of discount (for example, information on a 50 yen discount) and information on the product corresponding to the amount of discount. As described above, when the settlement server 100 acquires the price of a product (or service), information indicating the amount of discount for the product (or service), and information on the product subject to the discount, it can grant privileges such as points of the electronic payment service to the settlement amount, which is the price after the discount.

[0042] [Information Used by the Settlement Server When the User Has Not Agreed to Use Product Identification Information] FIG. 11 is a diagram (2) for explaining the information used by the settlement server 100. The explanation will focus on the differences from the above-described FIG. 10. The settlement server 100 performs settlement using the settlement information included in the processing information and does not use product information. When consent to the use of product identification information has not been obtained, the settlement server 100 does not use at least the product identification information or does not use product information. For this reason, normal privileges are applied to the user, but specific privileges are not applied to the user.

[0043] As described above, depending on whether consent to the use of product information is obtained, the settlement-related information used by the settlement server 100 differs, and the types of privileges applied to the user also differ.

[0044] [Scenarios for Obtaining Coupons] The processing unit 150 causes the display unit of the user terminal device 10 to display privilege information indicating privileges that can be acquired by the user in a provision mode according to the approval information indicating whether or not to approve the use of product identification information. For example, different interface screens are provided to the user depending on whether consent has been obtained or not. For example, when the processing unit 150 displays a screen for the user to acquire a privilege when the user has not consented to the use of product identification information, the processing unit 150 may cause the display unit of the user terminal device 10 to display a specific privilege and a privilege different from the specific privilege in a distinguishable manner. For example, when the processing unit 150 displays a screen for the user to acquire a privilege when the user has not consented to the use of product identification information, the processing unit 150 may cause the display unit of the user terminal device 10 to display information in which a specific privilege is associated with information indicating that consent is required for the acquisition of the specific privilege. Hereinafter, this processing will be exemplified.

[0045] FIG. 12 is a diagram showing an example of a provision mode when the above consent has not been obtained. This is the home screen displayed by the payment app 20 for the user. When the user operates the payment app 20 and operates the button related to the coupon on the interface screen IM1, the interface screen IM2 is displayed on the display unit.

[0046] The interface screen IM2 is a list screen of coupons. Coupon 1 and Coupon 2 are normal privileges (normal coupons), and Coupon 3 is a specific privilege (privilege coupon). The content of the privilege to be granted is associated with each of Coupons 1-3. Further, information indicating that the coupon is a specific coupon is associated with Coupon 3 and displayed on the display unit. For example, an acquisition button for acquiring a coupon is associated with each of Coupons 1, 2, and 3. When the acquisition button for the normal coupon is operated, the payment server 100 grants the user a normal coupon even without obtaining consent (see FIG. 14).

[0047] When the acquisition button for a specific coupon is operated, since consent has not been obtained, the settlement server 100 causes the interface screen IM3 for asking whether to consent to the use of product and other identification information to be displayed on the display unit. When the user performs an operation to give consent, the settlement server 100 grants the specific coupon to the user and causes the interface screen IM4 indicating that the specific coupon has been acquired to be displayed on the display unit.

[0048] In this way, when the processing unit 150 has not obtained consent for the use of product and other identification information, when displaying a screen for the user to obtain a privilege, the specific privilege is displayed on the display unit of the user terminal device 10. When the user instructs the acquisition of the specific privilege, the interface screen IM2 for asking for consent is displayed on the display unit. Then, when the user performs an operation indicating consent on the interface screen for asking for consent, the processing unit 150 grants the specific privilege to the user. In this way, the user can obtain the specific privilege through seamless processing.

[0049] When the user's consent has not been obtained in advance, a consent button may be associated with the coupon 3 instead of (or in addition to) the acquisition button. The consent button is a button for setting consent to the use of product and other identification information. When this consent button is operated, it may be regarded as consenting to the use of product and other identification information, or the interface screen IM3 may be displayed. In these cases, the information indicating that the coupon 3 is a specific coupon may be omitted.

[0050] FIG. 13 is a diagram showing another example of the provision mode when consent has not been obtained. Instead of the interface screen IM2 in FIG. 12, the interface screen IM2# may be displayed on the display unit. Information indicating that consent to the use of product and other identification information is required for the coupon 3 is associated with the interface screen IM2#. When consent has been obtained, the information indicating that consent to the use of product and other identification information is required is not displayed, but when consent has not been obtained, the information indicating that consent to the use of product and other identification information is required is displayed.

[0051] For example, when the consent of the user has been obtained in advance, on the interface screen IM2 or IM2#, the information indicating that the coupon 3 is a specific coupon may be omitted. Further, when the acquisition button for the coupon 3 is operated, the display of the interface screen IM3 is omitted. FIG. 14 is a diagram showing an example of a provision mode when the above consent has been obtained. When the consent has been obtained, instead of the interface screen IM2, the interface screen IM2## is displayed on the display unit. On the interface screen IM2##, among the coupons 4-6, even if the coupon 6 is a specific coupon, they are displayed without being distinguished. Instead of this, information indicating that the coupon 6, which is a specific coupon because consent has been given, can be acquired may be displayed on the interface IM2##, or may be associated with the coupon 6.

[0052] Note that after the user gives consent, when the processing unit 150 again causes the display unit to display a screen for the user to acquire a privilege, the specific privilege is displayed on the display unit. The user can acquire a specific privilege that has not been granted without performing an operation indicating consent. That is, once the user gives consent, the user can acquire a specific privilege without performing the operation regarding consent again. Thus, the once consent becomes an inclusive consent. However, even if the user gives consent once, the user can cancel the consent by performing a predetermined operation on the payment application 20.

[0053] As described above, the payment server 100 provides the user with an interface screen in a mode according to the presence or absence of consent. For example, if the specific privilege is more beneficial, the user's motivation to more actively acquire the specific privilege is improved, and it can be expected that the user will consent to the use of the product or other identification information and acquire the specific privilege. In this way, the usability regarding the privilege can be improved.

[0054] [Scene after obtaining a coupon] The processing unit 150 causes the display unit of the user terminal device 10 to display privilege information indicating the privileges acquired by the user in a provision mode according to the availability information. For example, after the user has acquired a specific privilege, the processing unit 150 causes the display unit to display different interface screens depending on whether the consent is maintained or canceled.

[0055] (Provision mode 1) FIG. 15 is a diagram showing an example of an interface screen displayed on the display unit. The interface screen in FIG. 15 is an interface screen for the user to check the coupons already acquired. This interface screen is displayed on the display unit of the user terminal device 10 when the user operates the payment application 20. When the user has acquired a specific privilege and maintains the consent, the processing unit 150 causes the interface screen IM21 to be displayed on the display unit. The interface screen IM21 is an interface screen including the coupon 3 which is a specific privilege. When the user has acquired a specific privilege and canceled the consent, the processing unit 150 causes the interface screen IM22 to be displayed on the display unit. The interface screen IM22 is an interface screen not including the coupon 3 which is a specific privilege. In this way, depending on the presence or absence of consent, the coupons available to the user are displayed on the display unit, improving the usability.

[0056] In the interface screen IM21, since consent has been given for the use of product identification information for the coupon 3, information indicating that the coupon 3 is available may be associated, or information indicating that the coupon 3 becomes unavailable when the consent for the use of product identification information is canceled may be associated. Also, in the interface screen IM22, information indicating that the coupon 3 is displayed and cannot be used because consent has not been given for the use of product identification information for the coupon 3, or information indicating that the coupon 3 becomes available by giving consent for the use of product identification information may be associated. In this way, the usability is improved by providing the user with information indicating the relationship between the presence or absence of consent and the use of specific privileges.

[0057] (Provision Mode 2) After the processing unit 150 obtains a specific privilege that can be granted to the user by using product or other identification information, when the user performs an operation indicating the intention to cancel the consent of the availability information, the processing unit 150 causes the display unit of the user terminal device 10 to display a screen in a mode in which information indicating that the specific privilege cannot be used is associated with the specific privilege that cannot be used.

[0058] FIG. 16 is a diagram for explaining the interface screen when the consent is cancelled. The processing unit 150 causes, for example, an interface screen IM21 for the user to check the coupons already acquired to be displayed on the display unit. When the user performs an operation for cancelling the consent, the processing unit 150 causes the interface screen IM23 to be displayed on the display unit. The interface screen IM23 is an interface screen for cancelling the consent to use product or other identification information. On the interface screen IM23, when the user performs an operation for cancelling the consent, the processing unit 150 causes the interface screen IM24 to be displayed on the display unit. The interface screen IM24 is an interface screen in which information indicating that coupon 3 cannot be used due to the cancellation of the consent is included, and the unusable coupon 3 is displayed in an emphasized manner. When the user performs an operation for finalizing the cancellation of the consent on the interface screen IM24, the consent is cancelled. In this way, "the processing unit 150 causes the privilege information indicating the privilege acquired by the user to be displayed on the display unit of the user terminal device 10 in a provision mode (for example, interface screens IM21 and 24) according to the availability information". In this case, the processing unit 150 changes the presence or absence of consent associated with the user of the privilege information 178 from "with consent" to "without consent".

[0059] Instead of the above mode, a list of privilege information that becomes unusable, a list of privilege information that cannot be acquired, buttons for displaying these lists, etc. may be displayed.

[0060] As described above, after the processing unit 150 obtains a specific privilege that can be granted to the user by using the product or other identification information, if the user performs an operation indicating the intention to revoke the consent of the approval information, the use of the specific privilege is restricted. The restriction means updating the information in the privilege information 178 to "no consent" as described above, or deleting the specific privilege from the privilege information 178. Thereafter, if the user performs an operation indicating the intention to consent to the approval information again, the restriction on the use of the specific privilege is lifted, and the use of the specific privilege is enabled. For example, the processing unit 150 enables the use of the specific privilege by updating the information in the privilege information 178 from "no consent" to "consent" as described above, or re-associating the deleted specific privilege with the privilege information 178.

[0061] (Information Processing 1) Hereinafter, the information processing executed by the processing unit 150 will be described. FIG. 17 is a diagram for explaining Information Processing 1. When changing from "consent" to "no consent", the processing unit 150 changes the consent item in the privilege information 178 from "yes" to "no", and further deletes the specific privilege (specific coupon) in the privilege information 178. When the settlement processing unit 130 performs settlement, if there is a specific privilege available at the franchise store in the specific privilege of the privilege information 178, the processing unit 150 applies the specific privilege. For example, as described above, when it is "no consent", since the specific privilege is deleted, the processing unit 150 applies the normal privilege according to the settlement to the user with "no consent". In this example, when the user becomes "consent" again, the deleted specific privilege may not be granted to the user without the user obtaining it again, or the specific privilege may be revived based on the acquisition history (it may not be granted to the user without obtaining it again).

[0062] (Information Processing 2) FIG. 18 is a diagram for explaining information processing 1. When changing from "consent yes" to "consent no", the processing unit 150 changes the consent item of the privilege information 178 from "yes" to "no", but does not necessarily delete the specific privilege (specific coupon) of the privilege information 178. When the settlement processing unit 130 performs settlement, if there is a specific privilege available at the franchise store in the specific privilege of the privilege information 178, the processing unit 150 applies the specific privilege. For example, as described above, when "consent no", even if a specific privilege is granted, the specific privilege is not used, and when "consent yes", the granted specific privilege is applied.

[0063] As described above, the processing unit 150 can appropriately grant a privilege to the user by using the product or service identification information according to the user's consent intention in cooperation with the settlement processing unit 130.

[0064] (Another interface screen 1 provided to the user) The processing unit 150 may display, on the display unit of the user terminal device 10, information indicating the merits obtained by the user using the specific privilege. The merit is the value to the user, such as points obtained by the user using the specific privilege, the discounted amount, or the obtained service. FIG. 19 is an interface screen IM31 including information indicating merits. The interface screen IM31 includes, for example, the total acquired points, the points obtained by the normal privilege, the points obtained by the specific privilege, and the like. In this way, since the merits obtained by the specific privilege are provided to the user, the user can more feel the merits of using the specific privilege.

[0065] (Another interface screen 2 provided to the user) After the user gives consent and acquires a specific privilege, when the user operates, the processing unit 150 causes the display unit of the user terminal device 10 to display the specific privilege and a privilege different from the acquired specific privilege in a first mode. After that, when the user cancels the consent, the processing unit 150 causes the display unit of the user terminal device 10 to display the specific privilege and a privilege different from the acquired specific privilege in a second mode. The second mode is a mode different from the first mode, in which the user can distinguish the privilege different from the specific privilege, and indicates that consent is required for using the specific privilege.

[0066] FIG. 20 is a diagram showing an interface screen IM32 in the second mode. The interface screen IM32 includes, for example, available coupons (ordinary privileges) and specific privileges that cannot be used because consent has been cancelled. Further, the interface screen IM32 includes (1) information indicating that the specific privilege cannot be used because consent has been cancelled, and (2) information indicating that the specific privilege can be used by performing a predetermined operation to display a consent screen and giving consent. Note that the interface screen in the first mode may be any screen different from the interface screen in the second mode. For example, it may be an interface screen in a mode in which the above (1) and (2) are not displayed, or an interface screen in which the specific privilege and the ordinary privilege are not distinguished.

[0067] In this way, when the consent is cancelled, the processing unit 150 can improve the usability by causing the display unit to display the unusable specific privilege in a distinguishable manner for the user, or by providing the user with the reason why the use has become impossible or the method for enabling the use.

[0068] Also, the settlement server 100 may display, on the screen for displaying the details of the specific privilege, the products or services to which the specific privilege is applied, the products or services to which the specific privilege is not applied, and the like. Thereby, the user can confirm the details of the specific privilege.

[0069] In the above example, the processing during store scanning was described. However, the processing of this embodiment may also be applied in the case of user scanning. For example, in addition to the store identification information, the identification information of the product or service may be encoded in the image (QR code or barcode) scanned in the user scanning. In this case, the payment app 20 includes the identification information of the product or service in the payment information and transmits it to the payment server 100. Thereby, the payment server 100 can perform the processing of this embodiment in the same manner as the store scanning.

[0070] According to the above-described feasibility, the payment server 100 obtains the approval information indicating whether or not to use the product or service identification information for identifying the product or service related to the payment using the electronic payment service set by the user using the electronic payment service, and the privilege information regarding the privilege provided to the user is displayed on the display unit of the user's terminal device in a provision mode according to the approval information, thereby improving the usability.

[0071] As described above, the embodiments for implementing the present invention have been described using the embodiments. However, the present invention is not limited to such embodiments, and various modifications and substitutions can be made without departing from the gist of the present invention.

Explanation of Signs

[0072] 10 User terminal device 20 Payment app 30 Franchise app 100 Payment server 120 Content providing unit 130 Payment processing unit 140 Information management unit 150 Processing unit 178 Privilege information

Claims

1. an acquisition unit that acquires consent information indicating whether or not a user agrees to use product or service identification information for identifying a product or service related to a payment using the electronic payment service, the consent information being set by the user who uses the electronic payment service; a processing unit that displays, on a display unit of a terminal device of the user, privilege information regarding a privilege to be provided to the user in a provision mode corresponding to the availability information; An information processing device comprising:

2. The processing unit causes a display unit of the terminal device of the user to display privilege information indicating a privilege that the user can acquire in a manner corresponding to the availability information. The information processing device according to claim 1 .

3. The processing unit causes a display unit of the terminal device of the user to display privilege information indicating the privilege acquired by the user in a provision mode corresponding to the availability information. The information processing device according to claim 1 .

4. The processing unit includes: When the user has not consented to the use of the product or other identification information, when the user displays a screen for acquiring the benefit, a specific benefit and a benefit different from the specific benefit are displayed on a display unit of the user's terminal device in a distinguishable manner; The specific benefit is a benefit that can be granted to the user by using the product or the like identification information, The benefit different from the specific benefit is a benefit that can be given to the user without using the product identification information. The information processing device according to claim 1 .

5. The processing unit includes: When the user has not consented to the use of the product or other identification information and has displayed a screen for obtaining the benefit, information associating a specific benefit with information indicating that the consent is necessary to obtain the specific benefit is displayed on a display unit of the user's terminal device; The specific benefit is a benefit that can be given to the user by using the product identification information, The information processing device according to claim 1 .

6. The processing unit includes: When the user has not consented to the use of the product or other identification information, when the user displays a screen for obtaining the benefit, a specific benefit is displayed on a display unit of the user's terminal device; When the user instructs to obtain the specific benefit, a screen inquiring about the consent is displayed on the display unit; When the user performs an operation indicating consent on the inquiry screen, the specific benefit is granted to the user; The specific benefit is a benefit that can be given to the user by using the product identification information, The information processing device according to claim 1 .

7. When the processing unit causes a screen for the user to obtain the privilege to be displayed on the display unit again after the user has given the consent, the processing unit causes the display unit to display the specific privilege; The user can obtain the specific benefit that has not been granted without performing an operation to indicate the consent. The information processing device according to claim 6.

8. The processing unit includes: After obtaining a specific benefit that can be given to the user by using the product identification information, When the user performs an operation indicating an intention to cancel consent to the availability information, a screen showing information indicating that the specific privilege will no longer be available and the specific privilege that cannot be used are associated with each other on a display unit of the terminal device of the user is displayed. The information processing device according to claim 1 .

9. The processing unit includes: After obtaining a specific benefit that can be given to the user by using the product identification information, When the user performs an operation indicating an intention to cancel the consent of the consent information, the use of the specific benefit is restricted, Thereafter, when the user performs an operation again indicating his / her intention to agree with the approval / disapproval information, the restriction on the use of the specific privilege is lifted, and the specific privilege is made available for use. The information processing device according to claim 8.

10. The processing unit causes a display unit of the terminal device of the user to display information indicating the merit obtained by the user by utilizing the specific privilege, The specific benefit is a benefit that can be given to the user by using the product identification information, The information processing device according to claim 1 .

11. The processing unit includes: In the event that the user acquires a specific benefit after giving the consent, displaying the specific benefit and a benefit different from the specific benefit already acquired on a display unit of a terminal device of the user in a first manner based on an operation of the user; Thereafter, when the user cancels the consent, the specific benefit and a benefit different from the specific benefit already acquired are displayed in a second format on a display unit of the terminal device of the user based on an operation of the user; the second mode is a mode different from the first mode, in which the user can distinguish the specific benefit from the different benefit, and in which the user indicates that the consent is required for use of the specific benefit; The specific benefit is a benefit that can be granted to the user by using the product or the like identification information, The benefit different from the specific benefit is a benefit that can be given to the user without using the product identification information. The information processing device according to claim 1 .

12. The computer Obtaining consent information indicating whether or not a user who uses an electronic payment service consents to the use of product or service identification information for identifying a product or service related to a payment using the electronic payment service, the consent information being set by the user who uses the electronic payment service; displaying, on a display unit of a terminal device of the user, privilege information regarding a privilege to be provided to the user in a provision mode corresponding to the availability information; Information processing methods.

13. On the computer, A process of acquiring consent information indicating whether or not a user who uses an electronic payment service consents to the use of product or service identification information for identifying a product or service related to a payment using the electronic payment service, the consent information being set by the user who uses the electronic payment service; displaying privilege information on a privilege to be provided to the user on a display unit of a terminal device of the user in a provision mode corresponding to the availability information; A program for executing.

Images