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

Abstract

To enhance interest of a service user so as to select code settlement as a settlement payment method.SOLUTION: An information processing device for executing processing related to electronic settlement using an identification code through a settlement application previously installed in a terminal device used by a user of the electronic settlement has a lottery processing unit, a generation unit, and a provision unit. When a procedure executed by the user of the terminal device corresponds to a previously set lottery object, the lottery processing unit executes a lottery so as to determine whether or not to give a predetermined privilege to the user, through the settlement application. When the user wins the lottery, the generation unit generates a content for notification for notifying the user of notification of the winning. The provision unit provides the content for the notification generated by the generation unit to the user.SELECTED DRAWING: Figure 4

Description

[Technical Field]

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

[0002] Conventionally, electronic payment services that provide an environment for using electronic payments (also called "code payments") to pay for products or services that are the subject of a transaction using an identification code such as a two-dimensional code have been known. As a technology related to such electronic payment services, a technology has been proposed in which, when a service user of an electronic payment service pays for a transaction using code payment, additional information regarding the granting of a benefit associated with the payment process corresponding to the payment is displayed on a terminal device used by the service user who made the payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-091764 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned conventional technology still has room for improvement in terms of stimulating the interest of service users so that they will select code payment as a payment method.

[0005] The present application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can stimulate the interest of service users so that they will select code payment as a payment method. [Means for solving the problem]

[0006] The information processing device according to the present application executes processing related to electronic payment via a payment app pre-installed on a terminal device used by a user of the electronic payment to use the electronic payment using an identification code, and includes a lottery processing unit, a generation unit, and a provision unit. The lottery processing unit executes a lottery to determine whether or not to grant a predetermined benefit to the user when a procedure performed by the user of the terminal device via the payment app corresponds to a pre-set lottery target. If the user wins the lottery, the generation unit generates notification content for notifying the user of the win. The provision unit provides the notification content generated by the generation unit to the user. [Effects of the Invention]

[0007] According to one aspect of the embodiment, it is possible to stimulate the interest of service users so that they will select code payment as a payment method. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram for explaining an overview of information processing according to the embodiment. [Figure 2] FIG. 2 is a diagram for explaining an overview of a screen display according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of a payment service providing device according to the embodiment. [Figure 5] FIG. 5 is a diagram showing an overview of user information stored in the user information DB according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an overview of information indicating the procedure status stored in the procedure status information DB according to the embodiment. [Figure 7] FIG. 7 is a diagram showing an outline of lottery information stored in the lottery information DB according to the embodiment. [Figure 8]FIG. 8 is a flowchart illustrating an example of a processing procedure of information processing executed by the payment service providing device according to the embodiment. [Figure 9] FIG. 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment service providing device according to the embodiment or the modification. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program are not limited to these embodiments. Furthermore, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

[0010] [Embodiment] [1. Overview of information processing according to the embodiment] An overview of information processing according to an embodiment will be described below with reference to Fig. 1. Fig. 1 is a diagram for explaining an overview of information processing according to an embodiment. The information processing described below is executed by payment service providing device 100, which is an example of an information processing device according to the present application.

[0011] Terminal device 10 shown in Figure 1 is used by electronic payment user U to make electronic payments using identification codes. Payment service providing device 100 shown in Figure 1 executes various processes related to code payments. Payment service providing device 100 is managed by a payment service operator that operates an electronic payment service that provides user U with an environment for realizing code payments.

[0012] 1, in accordance with an operation by a user U, the terminal device 10 starts a payment app, which is a payment application program pre-installed in the terminal device 10. The terminal device 10 also executes processing related to a predetermined procedure in accordance with an operation by the user U performed through the payment app (step S01).

[0013] The predetermined procedures are procedures that do not involve the transfer of electronic money, and correspond to processes related to identity verification applications, bank account registration processes, money balance top-up processes, etc. The following describes an example in which user U operates a payment app to carry out identity verification application procedures.

[0014] Terminal device 10 also transmits procedure information regarding a predetermined procedure to payment service providing device 100 (step S02). For example, terminal device 10 transmits an identity verification application to payment service providing device 100 in response to an operation by user U. The identity verification application includes a user ID, which is identification information for identifying user U and is unique identification information for user U in the electronic payment service.

[0015] When the payment service providing device 100 receives procedure information (for example, an identity verification application) from the terminal device 10, it conducts a lottery based on the received procedure information to determine whether or not to grant a specified benefit to the user U, provided that the procedure performed by the user U on the terminal device 10 falls within a predetermined lottery target (step S03).

[0016] For example, the payment service providing device 100 can execute a lottery with a winning probability that is preset for each procedure that is the subject of the lottery. Specifically, the payment service providing device 100 determines whether or not an identity verification application is subject to the lottery, and if it determines that the identity verification application is subject to the lottery, it refers to the winning probability associated with the identity verification application. Then, the payment service providing device 100 executes a lottery to determine whether or not to grant a predetermined benefit to user U based on the winning probability associated with the identity verification application.

[0017] Furthermore, the payment service providing device 100 can provide points according to the payment amount of the code payment as a predetermined benefit, up to a preset upper limit. Furthermore, the payment service providing device 100 is not limited to providing points according to the payment amount as a predetermined benefit, and may provide a coupon that can be used through a payment app. Examples of coupons include a coupon that provides predetermined points according to the payment amount, a coupon that provides a discount on the price of the transaction object, and a coupon that provides the transaction object free of charge.

[0018] If user U wins the lottery as a result of the drawing, payment service providing device 100 generates notification content for notifying user U of the win (step S04). By providing the notification content to terminal device 10, payment service providing device 100 causes terminal device 10 to execute a winning notification accompanied by image effects, as described below.

[0019] Payment service providing device 100 transmits the generated notification content for notifying the winnings to terminal device 10, thereby providing the content to user U of terminal device 10 (step S05).

[0020] When terminal device 10 receives the notification content from payment service providing device 100, it uses the received notification content to display a lottery winning notification on the screen of the payment application (step S06).

[0021] The following describes an overview of the screen display on the terminal device 10. Fig. 2 is a diagram for explaining an overview of the screen display according to the embodiment.

[0022] As shown in FIG. 2, the terminal device 10 displays a procedure screen W-1 for carrying out the procedure for applying for identity verification in response to an operation by the user U on the payment application (step S11).

[0023] In response to user U's operation of application button OB-1 on procedure screen W-1 for identity verification application, top screen W-2 of the payment application is displayed on terminal device 10. At this time, if notification content for notifying a winning result has been received from payment service providing device 100 (see FIG. 1, for example), image display processing is executed to display the winning result based on the notification content (steps S12 and S13).

[0024] For example, after blinking the top screen W-2 of the payment app for a certain period of time (step S12), a notification image OB-2 for notifying a winning entry can be overlaid on the top screen W-2 of the payment app (step S13). When this image display process is executed, the notification content sent from payment service providing device 100 to terminal device 10 includes control information for executing the image display process in addition to image information for notification image OB-2. The control information includes a brightness setting value for blinking, a blinking duration setting value, and the like.

[0025] In response to detection of an operation on the notification image OB-2 by the user U, the terminal device 10 can display a notification image OB-3 for notifying an outline of a predetermined benefit. In this case, the notification content includes image information of the notification image OB-3.

[0026] In this way, when displaying the top screen W-2 of the payment app, payment service providing device 100 can notify user U, who has won the lottery to determine whether or not to grant a predetermined benefit, of the winnings with an image presentation such as that shown in Figure 2. In this way, payment service providing device 100 can arouse the interest of service users so that they will select electronic payment using an electronic payment service.

[0027] After the winning notification, the payment service providing device 100 executes the payment process in accordance with the payment request linked to the user U of the terminal device 10.

[0028] For example, when payment service providing device 100 receives a one-time code issuance request transmitted from terminal device 10, it generates a one-time code. Furthermore, payment service providing device 100 manages the generated one-time code in association with the user ID included in the one-time code issuance request. Furthermore, payment service providing device 100 provides the generated one-time code to user U of terminal device 10 by transmitting it to terminal device 10.

[0029] Terminal device 10 generates an identification code based on the one-time code received from payment service providing device 100. User U of terminal device 10 displays the generated identification code on terminal device 10 and presents it to the store to which payment is to be made.

[0030] The store terminal installed in the store where the payment is to be made reads the identification code displayed on the terminal device 10, decodes the read identification code, and transmits a payment request including the one-time code obtained from the decoded identification code, the payment amount, the affiliated store ID, and the store ID to the payment service providing device 100.

[0031] When payment service providing device 100 receives a payment request from a store terminal, it executes the payment process based on the one-time code, payment amount, affiliated store ID, and store ID included in the payment process.

[0032] When the payment process is completed successfully, the payment service providing device 100 awards points calculated based on the payment amount in the payment process and a return rate that is set in advance for each procedure that is the subject of the lottery. In this way, the payment service providing device 100 can award different benefits to the user U depending on the procedure that is the subject of the lottery.

[0033] Furthermore, payment service providing device 100 may determine by random drawing from among preset effect candidates the effect to be used on the screen display when notifying a winning result. In this case, payment service providing device 100 may generate notification content corresponding to the effect determined by drawing, or may determine the effect content by drawing.

[0034] In addition, the payment service providing device 100 may generate scratch card-type content as notification content that can realize predetermined image presentation processing in response to the user U's operation, such as a scratch card where the printed surface covered by the scratch sticker becomes visible when the scratch sticker (scratch ink) is scraped off with a coin or the like.

[0035] [2. Payment using terminal device 10] An example of an electronic payment process executed using the terminal device 10 will be described below. In the following explanation, for example, a two-dimensional code (QR code (registered trademark)) placed in a specific store, which indicates store identification information for identifying the specific store, or a two-dimensional code indicating user identification information for identifying a service user (for example, user U shown in FIG. 1), will be described. Code payment executed using the terminal device 10 is also called "smartphone payment" when the terminal device 10 is a smartphone.

[0036] The code payment described below can also be applied when any user U makes a payment at any store using any terminal device 10. The two-dimensional code indicating store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, etc. The two-dimensional code is not limited to being physically formed by a printed matter printed on a medium such as paper, but may also be formed by image information displayed on any terminal.

[0037] The following explains the user scan payment, which is a type of code payment that is mainly performed by the user U. The user scan payment is a code payment that is mainly performed by the user U by scanning a two-dimensional code installed in a designated store.

[0038] For example, when user U makes a payment for the purchase or use of transaction objects such as various products or services at a specific store, user U starts a payment app pre-installed on terminal device 10 to use code payment. Through the payment app, user U can use various functions related to code payment.

[0039] Then, user U photographs the two-dimensional code displayed at the specified store via the payment app. In this case, terminal device 10 displays a screen for inputting the price of the transaction object and accepts input of the payment amount from user U or a store clerk at the specified store. Furthermore, in accordance with user U's operation, terminal device 10 transmits transaction information including user identification information that identifies user U, store identification information (or information indicated by the store identification information, i.e., information indicating the specified store (e.g., store ID)), and the payment amount to payment service providing device 100 (see, for example, FIG. 1).

[0040] When payment service providing device 100 receives transaction information from terminal device 10, it transfers electronic money equivalent to the payment amount from the account of user U indicated by the user identification information to the account of a predetermined store indicated by the store identification information. At this time, payment service providing device 100 may deduct a predetermined fee to be charged to the predetermined store from the electronic money equivalent to the payment amount before transferring it to the account of the predetermined store.

[0041] Then, payment service providing device 100 sends a notification to terminal device 10 that the transaction has been completed. In such a case, terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a predetermined sound indicating that the transaction has been completed. Alternatively, payment service providing device 100 may withdraw electronic money equivalent to the payment amount from user U's account indicated by the user identification information, manage this as sales information for a predetermined store, and transfer cash equivalent to the sales amount to a bank account held by the predetermined store at a predetermined time. In this case, payment service providing device 100 may notify user U that the electronic money transaction has been completed at the time that electronic money equivalent to the payment amount has been withdrawn from user U's account.

[0042] Next, we will explain store scan payment, a type of code payment that is mainly conducted by a designated store. Store scan payment is a payment mainly conducted by the store, where user U displays a two-dimensional code indicating user identification information on the screen of a payment app and presents it to the store, and the store reads the two-dimensional code presented by user U with a store terminal.

[0043] Specifically, terminal device 10 first displays on the screen code information indicating user identification information for identifying user U. In such a case, the store terminal reads the user identification information from the code information displayed on terminal device 10, and transmits to payment service providing device 100 transaction information including the read user identification information (or information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying the specified store.

[0044] When payment service providing device 100 receives transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from user U's account indicated by the user identification information to the account of the specified store. Then, payment service providing device 100 sends a notification that the transaction has been completed to the store terminal or terminal device 10. The store terminal or terminal device 10 notifies user U that the electronic money transaction has been completed by displaying a screen or outputting a specified sound indicating that the transaction has been completed.

[0045] Furthermore, payment service providing device 100 may withdraw electronic money equivalent to the payment amount from the account of user U indicated by the user identification information, manage this as sales information of a predetermined store, and transfer cash equivalent to the sales amount to a bank account held by the predetermined store at a predetermined time. In this case, payment service providing device 100 may notify a store clerk or user U that the electronic money transaction has been completed at the time that electronic money equivalent to the payment amount has been withdrawn from user U's account.

[0046] Furthermore, the payment using the terminal device 10 may not only be a process of transferring electronic money from an account to which the user U has previously charged electronic money to an account of a predetermined store, but may also be a payment using, for example, a credit card registered in advance by the user U. In such a case, for example, the terminal device 10 may transfer electronic money in an amount indicated by the payment amount to the account of the predetermined store, and may also charge the operating company of the user U's credit card for the amount indicated by the payment amount.

[0047] Furthermore, payments using terminal device 10 may not only involve the transfer of electronic money from user U's account to the account of a specified store, but may also involve, for example, the transfer of electronic money from user U's account to another user's account (i.e., a user-to-user remittance). For example, terminal device 10 used by user U, the sender of the remittance, reads user identification information identifying the recipient user (e.g., user identification information displayed on terminal device 10 used by the recipient user), accepts input of the remittance amount from user U, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying user U to payment service providing device 100. In such a case, payment service providing device 100 may transfer electronic money in an amount indicated by the remittance amount from user U's account to the recipient user's account, and notify the recipient user that the remittance has been completed by displaying a screen or outputting a predetermined sound on terminal device 10 or a terminal device used by the recipient user indicating that the remittance has been completed.

[0048] It should be noted that remittance using terminal device 10 is not limited to the above-described process. For example, remittance using terminal device 10 may be performed by inputting the telephone number of the remittee user or information identifying the remittee user (e.g., a user ID) into terminal device 10. To give a specific example, terminal device 10 accepts input of the telephone number or user ID of the remittee user and the remittance amount from user U, and transmits the input telephone number or user ID, the remittance amount, and user identification information identifying user U to payment service providing device 100. Then, payment service providing device 100 transfers electronic money in the amount indicated by the remittance amount from user U's account to the account of the user linked to the transmitted telephone number or user ID.

[0049] Here, the telephone number or user ID of the remittance recipient user may be linked to information about the user and registered in advance in the payment app. In this case, terminal device 10 accepts from user U the designation of a user (remittance recipient) registered in the payment app and an input of the remittance amount to the user, and transmits to payment service providing device 100 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information that identifies user U.

[0050] Furthermore, for example, remittance using terminal device 10 may be performed by providing the remittance recipient user with link information for receiving the remittance amount. To give a specific example, terminal device 10 accepts input of the remittance amount from user U, generates link information for receiving the remittance amount, and provides the link information to the terminal device used by the remittance recipient user by sending an email containing the link information or posting information containing the link information on an SNS (Social Networking Service). Then, when the remittance recipient user selects the link information and performs a receiving operation, payment service providing device 100 transfers electronic money in the amount indicated by the remittance amount from the account of user U to the account of the remittance recipient user.

[0051] The above-described payment methods and payment services are not limited to those for providing compensation for the purchase of goods or the provision of services (debt settlement). For example, as described above, the payment methods and payment services may have a function related to the transfer of funds between accounts held by multiple users. That is, the above-described payment methods and payment services may be services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment methods and payment services according to the embodiments may be provided in any form as long as they are transaction methods and transaction services that perform various controls for realizing the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also control related to exchanges between electronic money accounts and bank accounts, various credit processing such as installment payments and bonus payments, and various controls related to the exchange of assets including electronic money). Furthermore, the various controls realized by such transaction methods and transaction services may include both control related to settlement and control related to remittance, or only one of them. That is, the concept of a "transaction" includes not only "payments" related to electronic money but also "remittances" of electronic money and various other processes. That is, payment service providing apparatus 100 may be an information processing apparatus that realizes a transaction means for controlling the exchange of electronic money between any owners.

[0052] [3. System Configuration] The following describes the configuration of an information processing system SYS including a payment service providing device 100, which is an example of an information processing device according to the present application. Fig. 3 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

[0053] As shown in Figure 3, the information processing system SYS according to the embodiment is configured to include multiple terminal devices 10 and a payment service providing device 100. Note that the configuration of the information processing system SYS shown in Figure 3 is an example, and other devices other than those exemplified in Figure 3 may be included.

[0054] Terminal device 10 and payment service providing device 100 are connected to network N by wire or wirelessly. Terminal device 10 and payment service providing device 100 can communicate with other devices via network N.

[0055] The network N includes, for example, a WAN (Wide Area Network) such as the Internet, and mobile communication networks such as LTE (Long Term Evolution), 4G (4th Generation), and 5G (5th Generation: fifth generation mobile communication system).

[0056] Terminal device 10 connects to network N via short-range wireless communication such as a mobile communication network, Bluetooth (registered trademark), or wireless LAN (Local Area Network), and can communicate with other devices such as payment service providing device 100 through network N.

[0057] The terminal device 10 is used by a user U of code payment (see, for example, FIG. 1). Each of the multiple terminal devices 10 is used by a different user U.

[0058] Furthermore, the terminal device 10 is typically a smartphone, but is not limited to such an example, and may be a notebook PC (Personal Computer), a desktop PC, a tablet PC, a wearable device, etc. Examples of wearable devices include smart glasses and a smart watch, but are not limited to such examples.

[0059] A user U using terminal device 10 can use a payment app pre-installed on terminal device 10. User U operates terminal device 10 to launch the payment app and use various functions included in the payment app to cooperate with payment service providing device 100 to execute various processes related to electronic payment services, including payment processing for code payments. For example, terminal device 10 can display various web contents distributed from payment service providing device 100 using functions included in the payment app. When terminal device 10 receives control information from payment service providing device 100 that enables information display processing, terminal device 10 performs the display processing in accordance with the control information.

[0060] Furthermore, when terminal device 10 receives control information for realizing predetermined information processing from payment service providing device 100, it performs the information processing in accordance with the control information. Here, the control information is written in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). Note that a predetermined application distributed from payment service providing device 100 or the like may itself be considered to be control information.

[0061] Payment service providing device 100 executes various processes related to code payments. Payment service providing device 100 is managed by a payment service operator that operates an electronic payment service that provides each service user with an environment for realizing code payments. When payment service providing device 100 is configured as a server device, it may be realized by a single server device, or may be realized by a cloud system in which multiple server devices and multiple storage devices operate in cooperation with each other.

[0062] Payment service providing device 100 manages, for example, the electronic money account of a provider (e.g., a store) of a transaction object provided to user U, and the electronic money account (also referred to as an "electronic wallet") of user U who receives the transaction object. Payment service providing device 100 can realize code payment by transferring electronic money between accounts in accordance with a payment request from user U accepted through a payment app. Note that electronic money may be, for example, points or currency used independently by various companies, or electronically tradable currencies provided by a country, such as Japanese yen or dollars.

[0063] The configuration of the information processing system SYS according to the embodiment is not limited to the example shown in Fig. 3, and may include a store terminal installed in a store that provides transaction targets such as goods and services to users U. The store terminal is typically a POS (Point of Sales) terminal, but is not limited to this example and may be realized by a smartphone, a laptop PC, a desktop PC, a tablet PC, or the like.

[0064] The store terminal can also manage transaction object information related to the transaction object to be provided to the user U. The store terminal manages the transaction object information by associating it with the price of the transaction object and unique identification information assigned to the transaction object in order to identify the transaction object.

[0065] The store terminal can also execute code payment-related processes using various functions included in a store application program (hereinafter referred to as the "store app") pre-installed on the store terminal. Using the functions included in the store app 20, the store terminal can, for example, read an identification code displayed on the terminal device 10 and decode the contents of the identification code. Using the functions included in the store app 20, the store terminal can also, for example, send a payment request including the contents of the decoded identification code to the payment service providing device 100.

[0066] 4. Configuration of payment service providing device 100 An example of the functional configuration of payment service providing apparatus 100 according to an embodiment will be described below using Figure 4. Figure 4 is a diagram showing an example of the configuration of payment service providing apparatus 100 according to an embodiment. As shown in Figure 4, payment service providing apparatus 100 according to an embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0067] (Communication unit 110) The communication unit 110 is realized by, for example, a communication module, a NIC (Network Interface Card), etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the terminal device 10.

[0068] (Storage unit 120) The storage unit 120 stores, for example, programs and data used for control and calculation by the control unit 130. The storage unit 120 is realized, for example, by a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in Fig. 5, the storage unit 120 has a user information DB (Data Base) 121, a procedure status information DB 122, and a lottery information DB 123.

[0069] (User information DB121) The user information DB 121 stores user information related to service users of the electronic payment service (for example, user U shown in FIG. 1). Fig. 5 is a diagram showing an overview of the user information stored in the user information DB 121 according to the embodiment.

[0070] 5, the user information stored in the user information DB 121 has multiple items such as a "user ID," a "name," a "balance," a "one-time code," a "lottery result," a "benefit details," a "rights expiration date," and a "winning effect." These items in the user information are associated with each other.

[0071] The "user ID" field stores a user ID, which is identification information unique to a service user of the electronic payment service. The "name" field stores information indicating the name of the service user.

[0072] The "Balance" field stores information indicating the balance of electronic money that the service user can use for code payments. The "Balance" field may also store information indicating points that the service user has earned as a specified benefit. The "One-time Code" field stores information indicating a one-time code that is generated for each issuance request in response to the reception of a one-time code issuance request.

[0073] The "lottery result" item stores information indicating the result of a lottery conducted to determine whether or not a predetermined benefit is to be granted to a service user.

[0074] The "Benefit Content" field stores information indicating the content of the benefit given to the service user.

[0075] The "Rights Expiration Date" field stores information indicating the expiration date of the rights of a service user who wins the lottery to acquire a predetermined benefit.

[0076] The "Winning Effects" field stores effect information that indicates the effects that will be displayed on the payment app screen when notifying the service user of a winning result. The effect information stored in the "Winning Effects" field may be information for selecting notification content that is generated in advance for each effect that will be displayed on the payment app screen when notifying the service user of a winning result.

[0077] (Procedure status information DB122) The procedure status information DB122 stores information indicating the procedure status of procedures that are subject to a lottery among procedures performed by service users through the payment app. Fig. 6 is a diagram showing an overview of the information indicating the procedure status stored in the procedure status information DB122 according to the embodiment. Note that the procedure status information DB122 may be integrated with the above-mentioned user information DB121.

[0078] 6, the information indicating the procedure status stored in the procedure status information DB 122 has multiple items such as a "user ID" item, an "account registration" item, an "identity verification" item, etc. These items in the information indicating the procedure status are associated with each other.

[0079] The "User ID" field stores the user ID, which is identification information unique to the service user. The "Account Registration" field stores information indicating whether the account registration procedure has been completed. The "Identity Verification" field stores information indicating whether the identity verification procedure has been completed.

[0080] (Lottery information DB123) The lottery information DB 123 stores lottery information that is set in advance as information related to the lottery for each procedure that is the subject of the lottery. Fig. 7 is a diagram showing an outline of the lottery information stored in the lottery information DB 123 according to the embodiment.

[0081] 7, the lottery information stored in the lottery information DB 123 according to the embodiment has a plurality of items such as a "procedure" item, a "winning probability" item, and a "return rate" item. These items in the lottery information are associated with each other.

[0082] The "Procedure" field stores information indicating the procedure that is the subject of the lottery. The "Winning Probability" field stores information indicating the winning probability when the lottery is held. The "Return Rate" field stores information indicating the return rate of points that will be awarded as a specified benefit to service users who win the lottery.

[0083] (control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit) executing various programs (an example of an "information processing program" in accordance with the embodiment) stored in a memory device within the payment service providing device 100 using RAM as a working area.

[0084] Furthermore, the control unit 130 can be realized by an integrated circuit such as an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), or a general purpose graphic processing unit (GPGPU).

[0085] As shown in Figure 4, control unit 130 has payment processing unit 131, lottery processing unit 132, generation unit 133, provision unit 134, and granting unit 135, and these units realize or execute the functions and actions of information processing described below. Note that control unit 130 may be equipped with new functional units different from the units shown in Figure 4 in response to expansion of the various processes executed by payment service providing device 100.

[0086] (Payment processing unit 131) The payment processing unit 131 can generate a one-time code when it receives a request to issue a one-time code via the communication unit 110. Furthermore, the payment processing unit 131 associates the generated one-time code with the user ID included in the request to issue the one-time code and registers it in the user information DB 121.

[0087] Furthermore, when the payment processing unit 131 receives a payment request through the communication unit 110, it executes a payment process corresponding to the payment request.

[0088] (lottery processing unit 132) If a procedure performed by a service user (for example, user U shown in Figure 1) through the payment app falls under a pre-set lottery target, the lottery processing unit 132 conducts a lottery to determine whether or not to grant a specified benefit to the service user.

[0089] For example, when the lottery processing unit 132 acquires procedural information (e.g., an identity verification application) sent from the terminal device 10 through the communication unit 110, it conducts a lottery based on the acquired procedural information to determine whether or not to grant a specified benefit to the service user, provided that the procedure performed by the service user who sent the procedural information falls within a predetermined lottery target.

[0090] The procedures eligible for the lottery are procedures that do not involve the transfer of electronic money. In other words, the procedures eligible for the lottery include electronic payment procedures performed by service users to pay for a transaction provided by a store, and remittance procedures performed by one service user to transfer electronic money from the electronic money account of one service user to the electronic money account of another service user.

[0091] Furthermore, the lottery processing unit 132 can execute a lottery with a winning probability that is preset for each procedure that is the subject of the lottery. For example, when the lottery processing unit 132 acquires "identity verification application" as procedure information, it refers to the lottery information DB 123 to determine whether the identity verification application is subject to the lottery. When it determines that the identity verification application is subject to the lottery, the lottery processing unit 132 refers to the winning probability associated with the identity verification application. Then, the lottery processing unit 132 executes a lottery to determine whether or not to grant a predetermined benefit to the service user based on the winning probability associated with the identity verification application.

[0092] Furthermore, the lottery processing unit 132 may determine the effect to be used on the screen display when notifying the winning result by random drawing from among preset effect candidates.

[0093] (Generation unit 133) When the service user who is the sender of the procedure information wins the lottery, the generation unit 133 can generate notification content for notifying the service user of the winnings. For example, the generation unit 133 generates notification content for performing an effect corresponding to an effect candidate randomly selected from a plurality of effect candidates set in advance as an effect when notifying the winnings.

[0094] In addition, when the lottery processing unit 132 determines by lottery the effect to be used for screen display when notifying a winning result, the generation unit 133 can generate notification content corresponding to the effect determined by lottery by the lottery processing unit 132.

[0095] (Provider 134) The providing unit 134 provides the notification content generated by the generating unit 133 to the terminal device 10 via the communication unit 110, thereby providing the notification content to a service user (for example, user U shown in FIG. 1). The providing unit 134 can also provide the notification content to the service user by transmitting the notification content together with the one-time code generated by the payment processing unit 131 via the communication unit 110.

[0096] In addition, the provision unit 134 can provide notification information to the terminal device 10 via the communication unit 110 to notify the service user that the payment process has been completed and the details of the specified benefits.

[0097] (Granting unit 135) The granting unit 135 grants points to a service user (for example, user U shown in FIG. 1) according to the payment amount of the electronic payment, as a predetermined benefit, within a preset upper limit. The granting unit 135 can calculate the amount of points to be granted, for example, using a return rate determined by a lottery by the lottery processing unit 132.

[0098] [5. Processing procedure example] The flow of information processing executed by payment service providing device 100 according to an embodiment will be described below with reference to Figure 8. Figure 8 is a flowchart showing one example of the processing procedure for information processing executed by payment service providing device 100 according to an embodiment. The processing procedure shown in Figure 8 is executed by control unit 130 of payment service providing device 100. Control unit 130 repeatedly executes the processing procedure shown in Figure 8 while payment service providing device 100 is operating.

[0099] As shown in FIG. 8, the lottery processing unit 132 acquires procedure information indicating a procedure carried out by a service user who uses an electronic payment service (for example, user U shown in FIG. 1) through a payment application (step S101).

[0100] If the procedure performed by the service user is subject to a lottery, the lottery processing unit 132 executes a lottery to determine whether or not to grant a predetermined benefit to the service user who is the sender of the procedure information (step S102).

[0101] As a result of the drawing, if the service user wins the lottery, the generation unit 133 generates notification content for notifying the service user of the win (step S103).

[0102] Furthermore, the providing unit 134 transmits the notification content generated by the generating unit 133 to the terminal device 10, thereby providing the notification content to the service user who uses the terminal device 10 (step S104), and the processing procedure shown in FIG. 8 ends.

[0103] [6. Modifications] (6-1. Notification of winning details) Furthermore, when notifying user U of the completion of the payment process, payment service providing device 100 according to the embodiment may also notify the winning user U of the details of the winnings. In this way, payment service providing device 100 can increase user U's expectations for the details of the winnings by notifying the specific details of the winning benefit after notifying the winnings. Furthermore, payment service providing device 100 is expected to have the effect of promoting the use of electronic payments.

[0104] (6-2. Point redemption rate) In the above embodiment, the lottery processing unit 132 calculates the amount of points to be awarded using a point redemption rate that is preset for each transaction that is the subject of a lottery. However, this example is not particularly limited. For example, the redemption rate used to calculate the amount of points to be awarded may be determined by lottery from among multiple redemption rates that are preset depending on the payment amount, such that the higher the payment amount, the higher the redemption rate that is the subject of the lottery. Specifically, if the payment amount is less than 1,000 yen, the lottery processing unit 132 may randomly select a redemption rate from among 1%, 2%, and 3%. If the payment amount is between 1,000 yen and 3,000 yen, the lottery processing unit 132 may randomly select a redemption rate from among 4%, 5%, and 6%. If the payment amount is 3,000 yen or more, the lottery processing unit 132 may randomly select a redemption rate from among 7%, 8%, and 9%.

[0105] (6-3. System configuration, etc.) Furthermore, in the above-described embodiment, an example has been described in which payment service providing apparatus 100 executes the information processing according to the embodiment, but this is not limiting. For example, another information processing device replacing payment service providing apparatus 100 may execute the information processing according to the embodiment described above. In this case, the other information processing device replacing payment service providing apparatus 100 may have the functions that payment service providing apparatus 100 has for executing the information processing according to the embodiment.

[0106] Furthermore, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can be performed manually, and conversely, all or part of the processes described as being performed manually can be performed automatically using known methods. In addition, the information including the processing procedures, specific names, various data, and parameters shown in the above documents and drawings can be changed as desired unless otherwise specified. For example, the various information shown in each drawing is not limited to the information shown in the drawings.

[0107] Furthermore, the components of each device shown in the figure are conceptual functional components and do not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

[0108] Furthermore, the above-described embodiments can be combined as appropriate within the scope of not causing any contradiction in the processing content.

[0109] [7. Hardware Configuration] Furthermore, payment service providing apparatus 100 according to the above-described embodiment or modification is realized, for example, by a computer 1000 having a configuration as shown in Figure 9. Figure 9 is a hardware configuration diagram showing an example of a computer that realizes the functions of payment service providing apparatus 100 according to the embodiment or modification.

[0110] The computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected by a bus 1090.

[0111] The arithmetic device 1030 operates based on programs stored in the primary storage device 1040 and secondary storage device 1050, programs read from the input device 1020, and the like, and executes various processes. The primary storage device 1040 is a memory device, such as a RAM, that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used by the arithmetic device 1030 for various calculations and various databases are registered, and is realized by a ROM (Read Only Memory), HDD, flash memory, or the like.

[0112] The output IF 1060 is an interface for transmitting information to be output to an output device 1010 that outputs various types of information, such as a monitor or a printer, and is realized by a connector conforming to a standard such as USB (Universal Serial Bus), DVI (Digital Visual Interface), or HDMI (High Definition Multimedia Interface), etc. The input IF 1070 is an interface for receiving information from various input devices 1020, such as a mouse, keyboard, and scanner, and is realized by a USB, for example.

[0113] The input device 1020 may be a device that reads information from an optical recording medium such as a CD (Compact Disc), a DVD (Digital Versatile Disc), or a PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. The input device 1020 may also be an external storage medium such as a USB memory.

[0114] The network IF 1080 receives data from other devices via the network N and sends it to the arithmetic device 1030, and also transmits data generated by the arithmetic device 1030 to other devices via the network N.

[0115] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0116] For example, when computer 1000 functions as payment service providing apparatus 100 according to the embodiment or the modification, arithmetic device 1030 of computer 1000 executes a program loaded onto primary storage device 1040, thereby realizing the same functions as control unit 130. In other words, arithmetic device 1030 realizes the processing by payment service providing apparatus 100 according to the embodiment or the modification in cooperation with a program (for example, an example of an information processing program) loaded onto primary storage device 1040.

[0117] [8. Effects] As described above, the payment service providing device 100 according to the embodiment is an information processing device that executes processing related to electronic payments via a payment app pre-installed on a terminal device 10 used by an electronic payment user U to use electronic payments using an identification code, and includes a lottery processing unit 132, a generation unit 133, and a provision unit 134. When a procedure performed by the user U on the terminal device 10 via the payment app corresponds to a pre-set lottery target, the lottery processing unit 132 executes a lottery to determine whether or not to grant a predetermined benefit to the user U. When the user U wins the lottery, the generation unit 133 generates notification content for notifying the user U of the win. The provision unit 134 provides the notification content generated by the generation unit 133 to the user U.

[0118] Furthermore, in payment service providing device 100 according to the embodiment, the procedures that are the subject of the lottery are procedures that do not involve the transfer of electronic money.

[0119] Furthermore, in the payment service providing device 100 according to the embodiment, the lottery processing unit 132 executes a lottery with a winning probability set in advance for each procedure that is the subject of the lottery.

[0120] Furthermore, payment service providing device 100 according to the embodiment further includes an awarding unit 135. The awarding unit 135 further includes an awarding unit 135 that awards points to user U according to the payment amount of the electronic payment, within a preset upper limit, as a predetermined benefit.

[0121] Furthermore, in payment service providing device 100 according to the embodiment, awarding unit 135 awards points calculated based on the payment amount and a return rate that is set in advance for each transaction that is the subject of the lottery.

[0122] In this way, when displaying the top screen W-2 of the payment app following the procedure performed by user U through the payment app, payment service providing device 100 according to the embodiment can notify user U, who has won the lottery to determine whether or not to grant a predetermined benefit, of the winnings with an image presentation such as that shown in Fig. 2. In this way, payment service providing device 100 can arouse the interest of service users so that they will select electronic payment using an electronic payment service.

[0123] The above-described effects can be realized by the processing executed by each of the above-described units, or by any combination of the processing executed by each unit.

[0124] [9. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be implemented in other forms that include the embodiments described in the Disclosure of the Invention section and that have undergone various modifications and improvements based on the knowledge of those skilled in the art.

[0125] Furthermore, the configuration of the above-described payment service providing apparatus 100 can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0126] Furthermore, the term "unit" in the claims can be read as "means" or "circuit," etc. For example, a control unit can be read as control means or a control circuit. [Explanation of symbols]

[0127] SYS Information Processing System 10 Terminal Equipment 100 Payment service providing device 110 Communications Department 120 Storage section 121 User information DB 122 Procedure Status Information DB 123 Lottery Information DB 130 control section 131 Payment processing unit 132 Lottery Processing Unit 133 Generation part 134 Provision Department 135 Granting Department

Claims

1. An information processing device that executes processing related to electronic payment via a payment application that is pre-installed on a terminal device used by a user of the electronic payment to use the electronic payment using an identification code, a lottery processing unit that, when a procedure performed by a user of the terminal device through the payment app corresponds to a predetermined lottery target, executes a lottery to determine whether or not to grant a predetermined benefit to the user; a generating unit that generates notification content for notifying the user of the winnings when the user wins the lottery; a providing unit that provides the notification content generated by the generating unit to the user; An information processing device comprising:

2. The procedures that are subject to the lottery are: It is a procedure that does not involve the transfer of electronic money.

2. The information processing apparatus according to claim 1, wherein:

3. The lottery processing unit includes: The lottery is conducted with a winning probability set in advance for each procedure that is the subject of the lottery.

3. The information processing apparatus according to claim 2, wherein:

4. an awarding unit that awards points to the user according to the payment amount of the electronic payment within a preset upper limit as the predetermined benefit; 2. The information processing apparatus according to claim 1, further comprising:

5. The granting unit The points calculated based on the payment amount and a return rate set in advance for each transaction that is the subject of the lottery are awarded.

5. The information processing apparatus according to claim 4,

6. An information processing method executed by a computer that executes processing related to electronic payment via a payment app that is pre-installed on a terminal device used by a user of the electronic payment to use the electronic payment using an identification code, a lottery processing step of executing a lottery to determine whether or not to grant a predetermined benefit to the user when a procedure performed by the user of the terminal device through the payment app corresponds to a predetermined lottery target; a generating step of generating notification content for notifying the user of the winnings when the user wins the lottery; a providing step of providing the notification content generated by the generating step to the user; An information processing method comprising:

7. A computer that executes processing related to the electronic payment via a payment application that is pre-installed on a terminal device used by a user of the electronic payment to use the electronic payment using the identification code, a lottery processing procedure for executing a lottery to determine whether or not to grant a predetermined benefit to a user when a procedure performed by the user of the terminal device through the payment app corresponds to a predetermined lottery target; a generation step of generating notification content for notifying the user of the winnings in the lottery if the user wins; a provision step of providing the notification content generated by the generation step to the user; An information processing program characterized by causing the program to execute the above.

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