Program, information processing method and information processing device

Abstract

To provide a program for providing users with further appropriate contents.SOLUTION: A program causes a computer to: acquire information regarding a user operation on an electronic voucher usable for electronic settlement using an electronic settlement service at member stores of the electronic settlement service; and in response to the acquisition of the information regarding the operation, change a display mode of a screen relating to acquisition of a voucher to be displayed on a display unit on the basis of whether or not one or both of an address and an age, the condition information representing an application condition for granting the voucher associated with the voucher, matches information associated with the user, the information verified online.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] BACKGROUND 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] Japanese Patent Application Publication No. 2023-93651 Summary of the Invention [Problem to be solved by the invention]

[0004] In conventional technologies, the content provided to users has not been sufficiently considered.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objects is to provide a program, an information processing method, and an information processing device that can provide more appropriate content to users. [Means for solving the problem]

[0006] One aspect of the present invention involves having a computer acquire information regarding a user's operations on an electronic voucher that can be used for electronic payments using an electronic payment service at a member store of the electronic payment service, and, in response to the acquisition of the information regarding the operations, changing the display mode of a screen regarding the acquisition of the voucher that is displayed on a display unit based on whether or not one or both of the condition information, which is the address and age and indicates the conditions for applying for the voucher linked to the voucher, match with the information linked to the user that has been verified online. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide a program, an information processing method, and an information processing device that can provide more appropriate content to a user. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of the configuration of an electronic payment system in which an electronic payment service is realized. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of application information 173. [Figure 7] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 8] FIG. 10 is a diagram showing an example of the contents of condition information 178. [Figure 9] FIG. 10 is a diagram showing an example of the contents of voucher content information 180. [Figure 10] FIG. 10 is a diagram illustrating an example of an interface screen. [Figure 11] FIG. 10 is a diagram showing another example of an interface screen. [Figure 12] FIG. 10 is a diagram showing another example of an interface screen. [Figure 13] FIG. 10 is a diagram showing another example of an interface screen. [Figure 14] FIG. 10 is a diagram showing another example of an interface screen. [Figure 15] FIG. 10 is a diagram showing another example of an interface screen. [Figure 16] FIG. 10 is a diagram showing another example of an interface screen. [Figure 17] FIG. 10 is a diagram showing another example of an interface screen. [Figure 18] FIG. 10 is a diagram showing another example of an interface screen. [Figure 19] FIG. 10 is a diagram showing another example of an interface screen. [Figure 20] FIG. 10 is a diagram showing another example of an interface screen. [Figure 21] 3 is a sequence diagram showing an example of the flow of processing executed by the user terminal device 10 and the payment server 100. FIG. [Figure 22] 10 is a sequence diagram showing another example of the flow of processing executed by the user terminal device 10 and the payment server 100. FIG. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of a program, an information processing method, and an information processing device of the present invention will be described. The various devices and servers described below, which provide services to users and perform internal analysis, may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the hardware owner (cloud server provider) and the business that actually operates the device may also be different. The application program and payment server work together to provide an electronic payment service. In the following description, the application program is referred to as a payment app. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store is, for example, a physical store (real-world store) existing in real space, but may also include a virtual store for e-commerce. Virtual stores may also include stores provided by entities other than the operator of the electronic payment service. In such cases, when making a payment for a purchase at a virtual store, the user is controlled to transition to an interface screen for the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] FIG. 1 shows an example of the configuration of an electronic payment system in which an electronic payment service is realized. The electronic payment service is realized mainly by a payment server 100. An electronic payment system that realizes the electronic payment service includes, 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 the payment server 100. These devices communicate via, for example, a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] Some or all of the functional components included in the electronic payment system may be distributed across multiple devices in any form, or may be integrated into any device. For example, some or all of the functional components of payment server 100 may be included in the configuration of payment app 20, or some or all of the functional components of payment app 20 may be included in payment server 100.

[0012] [User terminal device] The user terminal device 10 is, for example, a portable terminal device such as a smartphone or 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 acceptance 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 app 20, which operates in cooperation with the payment server 100 to provide electronic payment services to users. The payment app 20 is installed on the user terminal device 10 from, for example, an application store, and controls the camera, communication device, touch panel, etc.

[0013] The user terminal device 10 has installed thereon, for example, a payment app 20 and a voucher app 30. The voucher app 30 is, for example, a mini app included in the payment app 20. For example, when the payment app 20 is downloaded to the user terminal device 10, the mini app included in the payment app 20 is also downloaded to the user terminal device 10. The voucher app 30 cooperates with an API (Application Programming Interface) or a service server provided by the payment server 100 to display content provided by the payment server 100 on the display unit of the user terminal device 10. The voucher app 30 may be omitted, and the payment app 20 may have the functional configuration of the voucher app 30.

[0014] [First store terminal device] 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).

[0015] [Second store terminal device] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from 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 the code image displayed by the user terminal device 10 by executing the app for affiliated stores.

[0016] 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 payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0017] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0018] 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 running, decodes the store code image 60 using its optical reading function (S1). The store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in the payment server 100 (described below). The payment application 20 sends first payment information including the store URL and account ID to the payment server 100 (S2). The payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires the affiliated store name and store name information (S3), and sends this to the payment application 20 (S4). The user enters the payment amount into the user terminal device 10 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 10 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 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 information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0019] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or 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 in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0020] 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, issuing a one-time code may be omitted in store scanning, 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.

[0021] [Payment server] 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a content providing unit 120, a payment processing unit 130, an information management unit 140, an information processing unit 150, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are realized by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), a GPU (Graphics Processing Unit), or an SOC (System On Chip), or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (Hard Disk Drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device. Information management unit 140 is an example of an "acquisition unit." Information processing unit 150 is an example of a "control unit."

[0022] The storage unit 170 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 170 may be a NAS (Network Attached Storage) device that the payment server 100 can access via a network. The storage unit 170 stores information such as user information 172 including application information 173, content information 174, affiliated store / shop information 176, condition information 178, and voucher content information 180. Some of this information may be stored in the storage unit of the user terminal device 10.

[0023] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0024] The content providing unit 120 has, for example, a web server function, and provides information (content) for displaying various screens for electronic payment services to the user terminal device 10. The content providing unit 120 reads out necessary content from the content information 174 as appropriate and provides it to the user terminal device 10. The user terminal device 10 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0025] 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.

[0026] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as an email address, user ID, name, address, date of birth, registration date, charge balance, deferred payment setting, deferred payment limit, deferred payment usage amount, deferred payment available amount, payment method setting, bank account, credit card number, charge history information, payment history information, history information, voucher information, application information 173, and eKYC information. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set arbitrarily by the user (or does not have to be set). Similarly, the email address, name, address, and date of birth are also information that can be set arbitrarily by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0027] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated service provider (bank) ATM (Automatic Teller Machine) or from a registered bank account. The deferred payment setting indicates whether the setting for deferred payment electronic payments has been completed and is set to either "completed" or "not completed." The deferred payment limit is the monthly deferred payment limit. The deferred payment usage amount is the amount of deferred payment already used in the current month. The available deferred payment amount is the amount of deferred payment available in the current month, calculated by subtracting the deferred payment usage amount from the deferred payment limit. While the figure shows only one deferred payment limit, in reality, there may also be daily upper limits, and the lower of these may be set as the deferred payment limit. Further details on deferred payment will be discussed later. The payment method setting indicates whether the user will make electronic payments using the charge balance or by deferred payment at that time. The bank account and credit card number are information on the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown 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 voucher information is, for example, information about the identification information of a voucher held by a user, such as the type of voucher, information about the store where the voucher can be used, and the amount of the voucher. When a user performs an operation to use an electronic voucher on the payment app 20, the payment server 100 performs a process to use the electronic voucher at the target store based on the store information and voucher information obtained from the first store terminal device 50 or the user terminal device 10. The payment server 100 then performs a process to deduct the payment amount from the amount of the used voucher in the voucher information.

[0029] The application information is information relating to the voucher applied for by the user. FIG. 6 is a diagram showing an example of the contents of the application information 173. The application information 173 is information prepared for each user. The application information 173 is information relating to the voucher applied for by the user, such as the local government issuing the voucher, the number of vouchers applied for, and the status, for example, in relation to the voucher identification information. The status is the status of the applied voucher, such as granted, applied for, or waiting for lottery.

[0030] eKYC information (electronic Know Your Customer information) is information obtained by identity verification performed over a network. The eKYC information includes, for example, information such as the user's name and address. The eKYC information is information obtained, for example, through an electronic payment service. The user can perform eKYC by using the payment application 20 and linking the payment application 20 with the payment server 100. Application information 173 will be described later.

[0031] 7 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount (described above), and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0032] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 10 and the second store terminal device 70. The information management unit 140 adds new records to, edits, deletes, etc. the user information 172 and the affiliated store / store information 176.

[0033] [Electronic Payment] When payment information is acquired from the user terminal device 10 or the first store terminal device 50, the payment processing unit 130 references the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "charge balance," the payment processing unit 130 performs electronic payment as follows: For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to an agreement between the affiliated store and the electronic payment service.

[0034] The payment processing unit 130 performs electronic payments for users whose "setting information" is set to "deferred payment" as follows. Deferred payment is set separately from "credit card payment," which is set in 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 allows electronic payments within the deferred payment limit, independent of the remaining balance. To receive the deferred payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The amount used for deferred payment is settled in full on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional payment by adding the payment amount to the deferred payment amount and subtracting the same amount from the available deferred payment balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card operator to perform this process. If the payment amount exceeds the available deferred payment balance at the time of provisional payment, an error notification is returned to the payment app 20.

[0035] Information processing unit 150 provides information stored in storage unit 170 to payment app 20 based on an instruction from payment app 20. For example, information processing unit 150 provides information associated with user identification information to payment app 20 based on information for identifying the user transmitted to payment app 20. Information associated with user identification information is, for example, voucher information, application information, eKYC information, etc.

[0036] The information processing unit 150 provides the payment application 20 with information associated with the identification information of the voucher based on the identification information for identifying the voucher transmitted to the payment application 20. The information processing unit 150 refers to the condition information 178 and provides the payment application 20 with information associated with the identification information of the voucher.

[0037] FIG. 8 is a diagram showing an example of the content of the condition information 178. The condition information 178 is, for example, an electronic voucher provided in the electronic payment service by a service provider (e.g., a local government) different from the electronic payment service and the affiliated store of the electronic payment service, and which can be used for electronic payments using the electronic payment service at the affiliated store of the electronic payment service. The condition information 178 is information in which the local government issuing the voucher and the conditions for obtaining the voucher (e.g., address, age, etc.) are associated with the identification information of the voucher. In addition to the above, the condition information 178 may also specify the timing at which the voucher is issued, whether eKYC (identity verification) is required, etc. For example, the condition information 178 may specify that the voucher is issued immediately after purchase, after a predetermined period of time after purchase, or at a preset date and time.

[0038] The information processing unit 150 provides the payment application 20 with information associated with the identification information of the voucher based on the identification information for identifying the voucher transmitted to the payment application 20. The information processing unit 150 refers to the voucher content information 180 and provides the payment application 20 with content associated with the identification information of the voucher.

[0039] FIG. 9 is a diagram showing an example of the contents of voucher content information 180. Voucher content information 180 is, for example, information in which content is associated with voucher identification information. The content is content included in an interface screen provided to the user, such as illustrations or images that evoke the organization (e.g., a local government) that provides the voucher. Voucher content information 180 is, for example, information that specifies the identification information of the voucher and the content to be provided for each interface screen (interface screen and screen area) provided in voucher application and related processes. For example, when a specific interface screen is provided, the content specified in voucher content information 180 is inserted into a specific area of the specific interface screen and provided to the user.

[0040] [overview] The payment app 20 (or voucher app 30) is a program that causes a computer to acquire information regarding a user's operations for issuing an electronic voucher that is provided in an 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 payments using the electronic payment service at an affiliated store of the electronic payment service, and controls the information to be displayed on the display unit of the user's terminal device based on the information linked to the voucher for which the operation for issuance has been performed and the information linked to the user, in accordance with the acquisition of the information regarding the operation.

[0041] The payment app 20 (or voucher app 30) acquires information related to the operation, including information for identifying the electronic voucher and information for identifying the user, and controls the information to be displayed on the display unit of the user terminal device 10 in response to the acquisition of the information related to the operation. In response to the acquisition of the information related to the operation, the payment app 20 (or voucher app 30) controls the information to be displayed on the display unit of the user terminal device 10 based on condition information 178 indicating the application conditions for the issuance of the voucher linked to the voucher for which the operation related to issuance of the voucher has been performed, and information corresponding to the information linked to the user.

[0042] The information linked to the voucher is, for example, condition information 178 and voucher content information 180. The information linked to the user is, for example, user information 172 and application information 173. For example, the condition information linked to the voucher includes, for example, address and age. The information linked to the user includes, for example, eKYC information (address, age, etc.).

[0043] If the information linked to the user matches the condition information 178, the payment application 20 (or the voucher application 30) displays on the display unit an interface screen (such as interface screen IF9 described below) that accepts an operation to confirm the application for purchasing a voucher. For example, the conditions for purchasing a voucher may stipulate that the address is in a specified municipality and that the user is of a specified age. In this case, if the address and age match the conditions, the application is accepted or an interface screen for accepting the application is displayed, but if the conditions are not met, the application is not accepted or the screen for accepting the application is not displayed.

[0044] [Interface screen (1)] 10 is a diagram showing an example of interface screen IF1 displayed on the display unit of user terminal device 10 in cooperation with payment application 20 and payment server 100. Interface screen IF1 is content provided in electronic payment services, and includes, for example, QR codes (registered trademark) and barcodes used in electronic payments, as well as information about various electronic payment-related services. Interface screen IF1 also includes one or more buttons for launching mini-apps such as voucher application 30.

[0045] When a user operates a button corresponding to the voucher app, the payment app 20 displays an interface screen IF2 corresponding to the operated button on the display unit. Fig. 11 is a diagram showing another example of the interface screen IF2 corresponding to the operation. The interface screen IF2 includes information such as the benefits of the voucher (area AR1), the application status (area AR2), the application conditions (area AR3), and an illustration corresponding to the voucher (area AR4).

[0046] For example, interface screen IF2 is an interface screen including content generated based on information linked to the voucher and information linked to the user. For example, areas AR1 to AR4 are information linked to the voucher. For example, if the user has already applied for the voucher, information indicating that the application has been completed may be displayed, or if the user has already applied, information on the application status may be displayed. The information included in area AR4 is, for example, content (illustrations) defined in voucher content information 180. The voucher content information 180 may be stored in a memory unit of the user terminal device 10.

[0047] When button B2 on interface screen IF2 is operated, payment application 20 displays interface screen IF3 on the display unit, as shown in Fig. 12. Interface screen IF3 displays, for example, information on various steps to obtain a voucher.

[0048] For example, interface screen IF3 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, if the user has already applied for the voucher, information indicating that the application has been completed may be displayed, or if the user has already applied, information on the status of the application may be displayed. For example, if the user has already performed steps 01 and 02 of the four steps, the interface screen may display that steps 01 and 02 have been completed.

[0049] When button B3 on interface screen IF3 is operated, payment application 20 causes the display unit to display interface screen IF4 for specifying the number of vouchers to be applied for, as shown in FIG.

[0050] For example, interface screen IF4 is an interface screen containing content generated based on information linked to the voucher and information linked to the user. For example, the content changes depending on the number of vouchers available for application. For example, if the user has already performed a process to specify the number of vouchers, information indicating that the number has been accepted may be displayed, or interface screen IF4 may be omitted.

[0051] When the number of vouchers to be applied for is specified on interface screen IF4 and an operation to proceed to the next step is performed, payment application 20 displays interface screen IF5 on the display unit, as shown in FIG. 14, which asks whether or not the customer agrees to the voucher application conditions.

[0052] For example, interface screen IF5 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, interface screen IF5 including different content is displayed for each type of voucher. For example, if the user has already agreed to the application conditions, information indicating this agreement may be displayed, or interface screen IF5 may be omitted.

[0053] When an operation indicating consent is performed, payment application 20 displays interface screen IF6 on the display unit, inquiring whether or not to proceed with identity verification, as shown in Fig. 15. In this way, payment application 20 (voucher application 30) controls the information to be displayed on the display unit based on information indicating whether identity verification is required, as specified in condition information 178, and information indicating whether identity verification has been completed, as specified in information linked to the user. Note that interface screen IF6 may be displayed at any timing.

[0054] For example, interface screen IF6 is an interface screen including content generated based on information linked to the voucher and information linked to the user. For example, interface screen IF6 including different content is displayed for each type of voucher. For example, if the user has already undergone identity verification, information indicating that identity verification has been completed may be displayed, or interface screen IF6 may be omitted.

[0055] When a predetermined operation is performed on interface screen IF6 or another interface screen, payment application 20 displays interface screen IF7 on the display unit, as shown in Fig. 16. Interface screen IF7 includes registered identity verification (eKYC information), information about the email address specified by the user, and the like.

[0056] For example, interface screen IF7 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, interface screen IF7 including different content is displayed for each type of voucher. For example, interface screen IF7 includes content according to the user information.

[0057] Thereafter, the payment server 100 sends a predetermined email to the specified email address. When the user opens the link in the predetermined email, the payment application 20 or the payment server 100 displays an interface screen IF8 on the display unit, as shown in Fig. 17. The interface screen IF8 includes information on identity verification (eKYC information) and the uploaded identity verification documents.

[0058] For example, interface screen IF8 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, interface screen IF8 includes content according to the user information.

[0059] When the user confirms the content and performs a predetermined operation, payment application 20 causes the display unit to display interface screen IF9, as shown in Fig. 18. Interface screen IF9 contains information indicating that the application to purchase a voucher has been completed. After that, if a lottery to purchase a voucher is held, payment application 20 notifies the user of information indicating that the lottery has been held and causes the display unit to display an interface screen including the results of the lottery.

[0060] For example, interface screen IF9 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, interface screen IF9 includes content according to user information. For example, it includes the status of the user's voucher application.

[0061] Furthermore, the payment application 20 causes the display unit of the user terminal device 10 of the selected user to display an interface screen IF10 for purchasing a voucher, as shown in Fig. 19. The interface screen IF10 is an interface screen that allows the user to select a payment method to be used for purchasing the voucher and make payment for the purchase of the voucher, for example.

[0062] In this way, the condition information 178 specifies that the authority to grant the voucher to the user who applied for it will be granted if the user wins the lottery. When the winning is carried out and it is determined that the user has won based on the information corresponding to the condition information 178, the payment application 20 displays the interface screen IF10 on the display unit. The interface screen IF10 may include the number of winning vouchers and the value of the vouchers. The interface screen IF10 may also include information indicating the amount required to purchase the vouchers based on the number of winning vouchers and the value of the vouchers.

[0063] For example, the interface screen IF10 is an interface screen including content generated based on information associated with the voucher and information associated with the user. For example, an interface screen including different content is displayed for each type of voucher. For example, the interface screen IF10 includes content according to user information. For example, the content includes information such as the user's remaining balance and the preferred payment method set by the user.

[0064] When the payment app 20 (or the voucher app 30) recognizes information indicating that the user has purchased a voucher in the information linked to the user, the payment app 20 (or the voucher app 30) may identify the timing of voucher issuance in the condition information 178 and display information indicating that the voucher will be issued at the identified timing on the display unit. If the condition information 178 specifies that the issuance timing is immediately after purchase, the payment app 20 (or the voucher app 30) may display information indicating that the voucher will be issued immediately after purchase on the display unit. If the condition information specifies that the issuance timing is after a predetermined period has elapsed since purchase or at a predetermined time, the payment app 20 (or the voucher app 30) may display information indicating that the voucher will be issued after the predetermined period has elapsed or at the aforementioned time on the display unit. As shown in interface screen IF11 in FIG. 20 , when the purchase is completed, information indicating the date and time of issuance linked to the voucher may be provided to the user.

[0065] As described above, the payment server 100 can improve convenience for users by controlling the information to be displayed on the display unit of the user terminal device 10 based on the information linked to the voucher for which the issuance operation has been performed and the information linked to the user, in response to obtaining information regarding the operation.

[0066] [Sequence] 21 is a sequence diagram showing an example of the flow of processing executed by the user terminal device 10 and the payment server 100. When the user terminal device 10 accepts a predetermined operation by the user (S100), it transmits the user's identification information and the voucher identification information to the payment server 100 (S102).

[0067] Next, the payment server 100 identifies the voucher based on the voucher identification information and acquires information corresponding to the identified voucher (S104). Next, the payment server 100 identifies the user based on the user identification information and acquires information corresponding to the identified user (S106).

[0068] Next, the payment server 100 transmits information corresponding to the voucher and information corresponding to the user to the user terminal device 10 (S108). Next, the user terminal device 10 identifies content according to the operation of S100 and generates information to be included in the content based on the corresponding information transmitted in S108 (S110). Next, the user terminal device 10 displays an interface screen including content including the generated information on the display unit.

[0069] As described above, payment application 20 and payment server 100 control the information to be displayed on the display unit, thereby making it possible to provide more appropriate content to the user.

[0070] [Sequence] 22 is a sequence diagram showing another example of the flow of processing executed by the user terminal device 10 and the payment server 100. When the user terminal device 10 accepts a predetermined operation by the user (S200), it transmits the user identification information and the voucher identification information to the payment server 100 (S202).

[0071] Next, the payment server 100 identifies the voucher based on the voucher identification information and acquires information corresponding to the identified voucher (S204). Next, the payment server 100 identifies the user based on the user identification information and acquires information corresponding to the identified user (S206).

[0072] Next, the payment server 100 identifies the content according to the operation of S100, and generates information to be included in the content based on the information corresponding to the voucher identified in S204 and the information corresponding to the user identified in S206 (S208). Next, the user terminal device 10 transmits the content including the generated information to the user terminal device 10 (S210).

[0073] As described above, payment application 20 and payment server 100 control the information to be displayed on the display unit, thereby making it possible to provide more appropriate content to the user.

[0074] In the above process, the payment app 20 (or the voucher app 30) may control the information to be displayed on the display unit of the user terminal device 10 based on the information linked to the voucher and the information linked to the user. For example, the storage unit of the user terminal device 10 may store some or all of the information such as the application information 173, the condition information 178, and the voucher content information 180. The payment app 20 controls the display based on this information. For example, when an operation is performed in response to an application for a voucher that requires eKYC completion, if the user has not completed eKYC, the payment app 20 displays information indicating that eKYC is required on the display unit of the user terminal device 10, and if the user has completed eKYC, for example, displays a screen to proceed with the application on the display unit of the user terminal device 10. Furthermore, if the user has already applied to purchase the voucher, the payment app 20 displays information indicating that the application has been completed, information showing the status of the application, etc. on the display unit.

[0075] In this way, the payment application 20 may control the display without making an inquiry to the payment server 100.

[0076] 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]

[0077] 10 User terminal device 20. Payment App 30 Voucher App 100 Payment Server 120 Contents Provider 130 Payment processing unit 140 Information Management Department 150 Information Processing Department 200 Service Server

Claims

[Claim 1] On the computer, acquires information regarding a user's operation on an electronic voucher that can be used for electronic payment using the electronic payment service at a member store of the electronic payment service; In response to the acquisition of information related to the operation, the display mode of the screen related to the acquisition of the voucher displayed on the display unit is changed based on whether or not one or both of the address and age, which are condition information indicating the application conditions for the issuance of the voucher linked to the voucher, match with the information linked to the user that has been verified online. program.

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