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. The lottery processing unit executes a first lottery for determining whether or not to give a predetermined privilege to the user in response to reception of an issue request of a one-time code from the terminal device. When the user as an issue request source of the one-time code wins the first lottery, the generation unit generates a content for notification for notifying the user of the notification of the winning. The provision unit provides the user of the content for notification generated by the generation unit, together with the one-time code.SELECTED DRAWING: Figure 5

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 processing 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 choose electronic payment using a payment app 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 choose electronic payment using a payment app as a payment method. [Means for solving the problem]

[0006] The information processing device according to the present application executes processing related to electronic payments via a payment app pre-installed on a terminal device used by an electronic payment user to use electronic payments using identification codes, and includes a lottery processing unit, a generation unit, and a provision unit. The lottery processing unit executes a first lottery to determine whether or not to grant a predetermined benefit to the user when a request for issuance of a one-time code is received from the terminal device. If the user who requested the issuance of the one-time code wins the first 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 together with the one-time code. [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 electronic payment using a payment app 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 for explaining an overview of a screen display according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 5] FIG. 5 is a diagram illustrating an example of the configuration of a payment service providing device according to the embodiment. [Figure 6] FIG. 6 is a diagram showing an overview of user information stored in the user information DB according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an overview of store information stored in the store information DB according to the embodiment. [Figure 8]FIG. 8 is a flowchart illustrating an example of a processing procedure of the first lottery processing executed by the payment service providing device according to the embodiment. [Figure 9] FIG. 9 is a flowchart illustrating an example of a processing procedure of the second lottery process executed by the payment service providing device according to the embodiment. [Figure 10] FIG. 10 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 a payment service providing device 100, which is an example of an information processing device according to the present application. Note that the following provides an example of electronic payment using an identification code, in which an identification code presented by a user U is read by a store (hereinafter referred to as "store payment").

[0011] As shown in Figure 1, a terminal device 10 used by a user U of an electronic payment using an identification code starts a payment app, which is a payment application program pre-installed in the terminal device 10, in accordance with the start-up operation of the user U (step S01).

[0012] In addition, in conjunction with the activation of the payment application, terminal device 10 transmits a request for issuing a one-time code to payment service providing device 100 (step S02). For example, the request for issuing a one-time code includes identification information for identifying user U, which is a user ID that is unique identification information for user U in the electronic payment service.

[0013] When payment service providing device 100 receives a one-time code issuance request transmitted from terminal device 10, it generates a one-time code (step S03). 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.

[0014] After generating the one-time code, payment service providing device 100 executes a first lottery to determine whether or not to grant a predetermined benefit to user U of terminal device 10 (step S04). Payment service providing device 100 can regard, for example, the receipt of a one-time code issuance request sent from terminal device 10 as the launch of a payment app.

[0015] If user U wins the first lottery, payment service providing device 100 generates notification content for notifying user U of the win (step S05). 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.

[0016] Payment service providing device 100 provides the generated one-time code to user U of terminal device 10 (step S06). If user U of terminal device 10 wins the first lottery, payment service providing device 100 provides the one-time code to user U of terminal device 10 by transmitting notification content for notifying the winning to terminal device 10 together with the one-time code.

[0017] When the terminal device 10 receives the notification content together with the one-time code from the payment service providing device 100, it uses the received notification content to display a winning notification of the first lottery on the screen of the payment app (step S07).

[0018] Terminal device 10 also generates an identification code based on the one-time code received from payment service providing device 100 (step S08). 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 (step S09).

[0019] The store device 20 reads the identification code displayed on the terminal device 10, decodes the read identification code, and sends 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 (step S10).

[0020] When the payment service providing device 100 receives a payment request from the in-store device 20, it executes the payment process based on the one-time code, payment amount, affiliated store ID, and store ID included in the payment process (step S11).

[0021] When the payment process is completed normally, payment service providing device 100 executes a second lottery to determine the content of a predetermined benefit to be given to user U who has paid the price (step S12).

[0022] Furthermore, payment service providing device 100 may execute the second lottery on the condition that user U, who is the source of the payment request, has the right to acquire a predetermined benefit. Payment service providing device 100 can execute the second lottery, for example, on the condition that electronic payment is made within a predetermined expiration date by which the right to acquire the predetermined benefit can be exercised.

[0023] Furthermore, payment service providing device 100 can grant user U points according to the payment amount of the electronic payment, up to a preset upper limit, as a predetermined benefit. Furthermore, payment service providing device 100 is not limited to granting points according to the payment amount as the predetermined benefit, and may grant a coupon that can be used through a payment app. Examples of coupons include a coupon that grants predetermined points according to the payment amount, a coupon that discounts the price of the transaction object, and a coupon that provides the transaction object free of charge.

[0024] After the second lottery is executed, the payment service providing device 100 provides notification information to the user U to inform the user that the payment process has been completed and the details of the specified benefits by sending it to the terminal device 10 (step S13).

[0025] Terminal device 10 displays the notification information received from payment service providing device 100 (step S14).

[0026] The following describes an overview of the screen display on the terminal device 10. Figures 2 and 3 are diagrams for explaining an overview of the screen display according to the embodiment.

[0027] 2, for example, an icon OB-1 of a payment app is arranged on the home screen W-1 displayed on the terminal device 10 (step S21). Then, in response to detection of an operation on the icon OB-1 by a user U (see, for example, FIG. 1), the terminal device 10 launches the payment app.

[0028] In addition, when the payment app is launched, if the terminal device 10 receives notification content for notifying a winning result from the payment service providing device 100 (for example, see Figure 1), when the top screen W-2 of the payment app is displayed, an image display process is executed to display the winning result notification based on the notification content (steps S22 and S23).

[0029] For example, after the top screen W-2 of the payment application is blinked for a certain period of time (step S22), a notification image OB-2 for notifying a winning entry can be overlaid on the top screen W-2 of the payment application (step S23). In this case, the notification content includes, in addition to image information of the notification image OB-2, control information for executing image display processing in the terminal device 10, such as a brightness setting value for blinking and a blinking duration setting value.

[0030] In this way, when displaying the top screen W-2 of the payment app, the payment service providing device 100 can notify user U, who has won the first 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, the payment service providing device 100 can arouse the interest of user U, who is a service user, so that he or she will select electronic payment using the payment app as a payment method.

[0031] 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.

[0032] Also, as shown in Figure 3, the payment completion screen W-3 displayed on the terminal device 10 displays information indicating the amount of payment, as well as information indicating the amount of points to be awarded to user U as a specified benefit.

[0033] In this way, when notifying user U of the completion of the payment process, payment service providing device 100 can notify user U, who won the first lottery to determine whether or not a specified benefit will be provided to the user, 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 the winnings notification. Payment service providing device 100 is also expected to have the effect of promoting the use of electronic payments.

[0034] Furthermore, payment service providing device 100 is not limited to the above example. If user U wins a first drawing to determine whether or not to grant a predetermined benefit, payment service providing device 100 may conduct a second drawing to determine the details of the predetermined benefit immediately after the first drawing. In this case, payment service providing device 100 generates notification content for notifying the user of the win, including specific details of the predetermined benefit, and transmits the generated notification content to terminal device 10. Furthermore, in response to detecting an operation by user U on notification image OB-2, terminal device 10 displays notification image OB-3 for notifying the user of the specific details of the predetermined benefit.

[0035] Furthermore, without being limited to the above example, when notifying the winner of the first lottery, payment service providing device 100 may also notify the winner that the right to obtain a specified benefit will expire if the electronic payment is not made within a predetermined expiration date by which the right to obtain a specified benefit can be exercised. In this case, payment service providing device 100 generates notification content for notifying the winner that the right to obtain a specified benefit will expire if the electronic payment is not made within the expiration date, and transmits the generated notification content to terminal device 10. Furthermore, in response to detecting an operation by user U on notification image OB-2, terminal device 10 displays notification image OB-3 for notifying the user that the right to obtain a specified benefit will expire if the electronic payment is not made within the expiration date.

[0036] 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.

[0037] 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.

[0038] [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.

[0039] 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.

[0040] 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.

[0041] 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.

[0042] 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).

[0043] 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.

[0044] 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.

[0045] Next, we will explain store scan payment, which is a type of code payment that is mainly performed by a specified store. Store scan payment is a payment mainly performed by the store side, whereby the 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 the user U using the in-store device 20.

[0046] Specifically, first, terminal device 10 displays on the screen code information indicating user identification information for identifying user U. In such a case, in-store device 20 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.

[0047] When payment service providing device 100 receives transaction information from in-store device 20, 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 transmits a notification that the transaction has been completed to in-store device 20 or terminal device 10. In-store device 20 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.

[0048] 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.

[0049] 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.

[0050] 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.

[0051] 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.

[0052] 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.

[0053] 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.

[0054] 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.

[0055] [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. 4 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

[0056] As shown in Figure 4, the information processing system SYS according to the embodiment is configured to include multiple terminal devices 10, multiple in-store devices 20, and a payment service providing device 100. Note that the configuration of the information processing system SYS shown in Figure 4 is an example, and other devices other than those exemplified in Figure 4 may also be included.

[0057] Terminal device 10, in-store device 20, and payment service providing device 100 are connected to network N by wire or wirelessly. Terminal device 10, in-store device 20, and payment service providing device 100 can communicate with other devices via network N.

[0058] 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).

[0059] The terminal device 10 connects to the 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 the store device 20 and the payment service providing device 100 through the network N.

[0060] 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.

[0061] 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, but are not limited to, smart glasses and smart watches.

[0062] 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 execute various processes related to electronic payment services, including payment processing for code payments, in cooperation with payment service providing device 100. 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, it performs the display processing in accordance with the control information.

[0063] 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 described 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.

[0064] The in-store device 20 is installed in a store that provides transaction objects such as goods and services to users U. The in-store device 20 is typically a POS (Point of Sales) terminal, but is not limited to this example and may be realized by a smartphone, a notebook PC, a desktop PC, a tablet PC, etc.

[0065] The in-store device 20 can also manage transaction object information related to the transaction object to be provided to the user U. The in-store device 20 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.

[0066] The in-store device 20 can also execute code payment-related processes using various functions included in an application program for a store (hereinafter referred to as the "store app") that is pre-installed on the in-store device 20. The in-store device 20 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. The in-store device 20 can also, for example, send a payment request including the contents of the decoded identification code to the payment service providing device 100 using the functions included in the store app.

[0067] 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.

[0068] 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.

[0069] 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 5. Figure 5 is a diagram showing an example of the configuration of payment service providing apparatus 100 according to an embodiment. As shown in Figure 5, payment service providing apparatus 100 according to an embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0070] (Communication unit 110) The communication unit 110 is realized by, for example, a communication module or a network interface card (NIC), 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 and the in-store device 20.

[0071] (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 and a store information DB 122.

[0072] (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. 6 is a diagram showing an overview of the user information stored in the user information DB 121 according to the embodiment.

[0073] 6, 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 "rights expiration date," and a "winning effect." These items in the user information are associated with each other.

[0074] 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.

[0075] 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.

[0076] The "lottery result" field stores information indicating the result of the first lottery, which is a lottery for determining whether or not a predetermined benefit is to be granted to a service user.

[0077] The "Right Expiration Date" field stores information indicating the expiration date of the right for a service user who wins the first lottery to acquire a predetermined benefit.

[0078] 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.

[0079] (Store information DB122) The store information DB 122 stores store information about stores that offer electronic payment services operated by payment service providers as one of the payment methods that customers can select. Fig. 7 is a diagram showing an overview of store information stored in the store information DB 122 according to the embodiment.

[0080] 7, the store information stored in the store information DB 122 has multiple items such as an "enterprise ID," a "store ID," a "brand name," a "store name," a "store URL," and a "sales amount." These items in the store information are associated with each other.

[0081] The "Business ID" field stores information indicating a business ID, which is identification information for identifying a business that operates a business that provides its own products, services, etc. to customers. The "Store ID" field stores information indicating a store ID, which is identification information for identifying a store operated by a business.

[0082] The "brand name" field stores information indicating the brand name of the business. The "store name" field stores information indicating the name of the store operated by the business.

[0083] The "Store URL" field stores information indicating a URL (Uniform Resource Locator) set for each store as store identification information used for user scan payments. The information indicating the URL stored in the "Store URL" field is the information that serves as the source of a two-dimensional code installed in the store. For example, terminal device 10 reads and decodes the two-dimensional code installed in the store, accesses the URL that serves as the source of the two-dimensional code, and transmits user identification information. Payment service providing device 100 identifies an electronic money account associated with the URL accessed by terminal device 10, and transfers electronic money in an amount equivalent to the sales proceeds to the identified electronic money account.

[0084] The "sales proceeds" field stores information indicating the sales proceeds acquired by the store through the electronic payment service.

[0085] (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.

[0086] 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).

[0087] As shown in Figure 5, 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 5 in response to expansion of the various processes executed by payment service providing device 100.

[0088] (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.

[0089] 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.

[0090] (lottery processing unit 132) When the payment app is launched on the terminal device 10, i.e., when a request for issuing a one-time code is received from the terminal device 10 in conjunction with the launch of the payment app, the lottery processing unit 132 can execute a first lottery to determine whether or not to grant a specified benefit to the user of the terminal device 10 (for example, user U shown in Figure 1).

[0091] In addition, when the payment processing corresponding to the payment request is successfully completed in the payment processing unit 131, the lottery processing unit 132 can execute a second lottery to determine the content of the specified benefit, provided that the user of the terminal device 10 that requested the payment request has the right to obtain the specified benefit, in response to the completion of the payment processing.

[0092] Furthermore, the lottery processing unit 132 can execute, for example, a second lottery to determine a point redemption rate. The lottery processing unit 132 can execute a random lottery to select one point redemption rate from a plurality of redemption rate candidates that are preset as point redemption rates.

[0093] Furthermore, if a user wins the first lottery, the lottery processing unit 132 can set an expiration date for the right of the winning user to acquire a predetermined benefit. The lottery processing unit 132 associates the set expiration date with the user ID of the winning user and registers it in the user information DB 121.

[0094] Additionally, the lottery processing unit 132 may determine, by random drawing, from among preset candidate effects, an effect to be used on the screen display when notifying the winning result, along with the first lottery.

[0095] (Generation unit 133) When a user who has requested the issuance of a one-time code (for example, user U shown in FIG. 1) wins the first lottery, the generation unit 133 can generate notification content for notifying the service user of the winning. For example, the generation unit 133 generates notification content for performing an effect corresponding to an effect candidate randomly selected from a plurality of preset effect candidates as an effect when notifying the winning user.

[0096] Furthermore, the generation unit 133 can generate notification content for notifying a winning party that the right to acquire a predetermined benefit will expire if the electronic payment is not made within a predetermined expiration date during which the right to acquire a predetermined benefit can be exercised. The generation unit 133 refers to the user information stored in the user information DB 121, identifies the expiration date associated with the user ID of the user who won the first lottery, and generates notification content based on the identified expiration date.

[0097] In addition, when the lottery processing unit 132 determines by lottery the effect to be used for the 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.

[0098] (Provider 134) The providing unit 134 can provide the one-time code generated by the payment processing unit 131 to the terminal device 10 by transmitting the one-time code generated by the payment processing unit 131 to the terminal device 10 via the communication unit 110. In addition, the providing unit 134 can provide the notification content generated by the generation unit 133 to the terminal device 10 by transmitting the notification content generated by the generation unit 133 to the terminal device 10 together with the one-time code generated by the payment processing unit 131.

[0099] Furthermore, the providing unit 134 can provide the service user who uses the terminal device 10 with notification information to notify the terminal device 10 that the payment process has been completed and the contents of a predetermined benefit.

[0100] (Granting unit 135) The awarding unit 135 can award points according to the payment amount of the electronic payment as a predetermined benefit, within a preset upper limit. The awarding unit 135 can calculate the amount of points to be awarded, for example, using a return rate determined by the second lottery by the lottery processing unit 132.

[0101] [5. Processing procedure example] (5-1. First lottery process) The flow of the first lottery process 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 an example of the processing procedure of the first lottery process 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.

[0102] As shown in Figure 8, when a request to issue a one-time code is received from the terminal device 10, the lottery processing unit 132 executes a first lottery to determine whether or not to grant a predetermined benefit to the user of the terminal device 10 (for example, user U shown in Figure 1) (step S101).

[0103] If the user who requested the issuance of the one-time code wins the first lottery, the generation unit 133 generates notification content to notify the user who won the first lottery (step S102).

[0104] Furthermore, the providing unit 134 transmits the notification content together with the one-time code to the terminal device 10, thereby providing the notification content to the user of the terminal device 10 (step S103), and then ends the processing procedure shown in FIG.

[0105] (5-2. Second lottery process) The flow of the second lottery process executed by payment service providing device 100 according to an embodiment will be described below with reference to Figure 9. Figure 9 is a flowchart showing an example of the processing procedure of the second lottery process executed by payment service providing device 100 according to an embodiment. The processing procedure shown in Figure 9 is executed by control unit 130 of payment service providing device 100. Control unit 130 repeatedly executes the processing procedure shown in Figure 9 while payment service providing device 100 is operating.

[0106] As shown in FIG. 9, when the payment processing unit 131 receives a payment request through the communication unit 110, it executes a payment process corresponding to the received payment request (step S201).

[0107] The lottery processing unit 132 determines whether the settlement requester is a winner of the first lottery (step S202).

[0108] If the lottery processing unit 132 determines that the payment requester is a winner of the first lottery (step S202; Yes), it determines whether the right to obtain a predetermined benefit is within the expiration date (step S203).

[0109] If the lottery processing unit 132 determines that the right to acquire the predetermined benefit is within the expiration date (step S203; Yes), it executes a second lottery to determine the content of the predetermined benefit (step S204).

[0110] The provision unit 134 provides the user of the terminal device 10 with notification information to inform the user that the payment process has been completed and the details of the specified benefits by sending the notification information to the terminal device 10 (step S205), and then ends the processing procedure shown in Figure 9.

[0111] In the above-mentioned step S203, if the lottery processing unit 132 determines that the right to obtain the specified benefit is not within the expiration date (step S203; No), it provides notification information to the terminal device 10 to notify the user of the terminal device 10 that the payment process has been completed (step S206), and terminates the processing procedure shown in Figure 9.

[0112] In the above-mentioned step S202, when the lottery processing unit 132 determines that the settlement request source is not a winner of the first lottery (step S202; No), the process proceeds to the processing procedure of the above-mentioned step S206.

[0113] [6. Modifications] (6-1. Point redemption rate) In the above embodiment, the lottery processing unit 132 randomly selects one point redemption rate from among multiple redemption rates preset as point redemption rates. However, the multiple redemption rates to be selected may be determined based on the payment amount. For example, the multiple redemption rates to be selected may be set based on the payment amount, such that the higher the payment amount, the higher the redemption rate to be selected. Specifically, the lottery processing unit 132 may randomly select a redemption rate from among 1%, 2%, and 3% if the payment amount is less than 1,000 yen; may randomly select a redemption rate from among 4%, 5%, and 6% if the payment amount is between 1,000 yen and 3,000 yen; and may randomly select a redemption rate from among 7%, 8%, and 9% if the payment amount is 3,000 yen or more.

[0114] (6-2. 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.

[0115] 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.

[0116] 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.

[0117] Furthermore, the above-described embodiments can be combined as appropriate within the scope of not causing any contradiction in the processing content.

[0118] [7. Hardware Configuration] Furthermore, payment service providing apparatus 100 according to the above-described embodiment or modification is realized, for example, by computer 1000 having the configuration shown in Figure 10. Figure 10 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.

[0119] 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.

[0120] 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.

[0121] 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.

[0122] 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.

[0123] 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.

[0124] 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.

[0125] 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.

[0126] [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 identification codes, and includes a lottery processing unit 132, a generation unit 133, and a provision unit 134. The lottery processing unit 132 executes a first lottery to determine whether or not to grant a predetermined benefit to the user U when a request to issue a one-time code is received from the terminal device 10. If the user U wins the first 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.

[0127] Furthermore, in the payment service providing device 100 according to the embodiment, the lottery processing unit 132 executes a second lottery to determine the content of a predetermined benefit upon completion of payment processing corresponding to a payment request for electronic payment, on the condition that the user U who made the payment request has the right to obtain the predetermined benefit. The provision unit 134 provides notification information to the user U to notify the user that the payment processing has been completed and the content of the predetermined benefit.

[0128] Furthermore, the payment service providing device 100 according to the embodiment further includes an awarding unit 135. The awarding unit 135 awards points to the user U according to the payment amount of the electronic payment, within a preset upper limit, as a predetermined benefit. The lottery processing unit 132 executes a second lottery to determine the point redemption rate.

[0129] In addition, in the payment service providing device 100 according to the embodiment, the generation unit 133 generates notification content for notifying the winning party that the right to acquire a specified benefit will expire if the electronic payment is not made within a predetermined expiration date by which the right to acquire a specified benefit can be exercised.

[0130] In this way, when displaying the top screen W-2 of the payment app (see, for example, FIG. 2), the payment service providing device 100 according to the embodiment can notify the user U who has won the first lottery for determining whether or not to grant a predetermined benefit, with an image effect such as that shown in FIG. 2. In this way, the payment service providing device 100 can arouse the interest of service users who use electronic payment services so that they will select electronic payment using the electronic payment service.

[0131] Furthermore, when notifying user U of the completion of the payment process, payment service providing device 100 according to the embodiment can also notify the details of the winnings to user U who won the first lottery. In this way, payment service providing device 100 can increase user U's expectations for 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.

[0132] 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.

[0133] [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.

[0134] 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.

[0135] 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]

[0136] SYS Information Processing System 10 Terminal Equipment 20 Store equipment 100 Payment service providing device 110 Communications Department 120 Storage section 121 User information DB 122 Store 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 executes a first lottery to determine whether or not to grant a predetermined benefit to the user when a request to issue a one-time code is received from the terminal device; a generating unit that generates notification content for notifying the user of the winnings when the user who has requested the issuance of the one-time code wins the first lottery; a providing unit that provides the notification content generated by the generating unit to the user together with the one-time code; An information processing device comprising:

2. The lottery processing unit includes: Upon completion of the payment process corresponding to the payment request for the electronic payment, a second lottery is executed to determine the content of the predetermined benefit, on the condition that the user who has made the payment request has the right to obtain the predetermined benefit; The providing unit Providing notification information to the user to notify the user that the payment process has been completed and the details of the predetermined benefit to the user 2. The information processing apparatus according to claim 1, wherein:

3. 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; and The lottery processing unit includes: As the second drawing, a drawing is carried out to determine the redemption rate of the points.

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

4. The generation unit If the electronic payment is not made within a predetermined expiration date as a period during which the right to acquire the predetermined benefit can be exercised, the notification content for notifying the winning party includes a message that the right to acquire the predetermined benefit will expire.

4. The information processing device according to claim 1, wherein the information processing device is a computer.

5. An information processing method performed 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, comprising: a lottery processing step of executing a first lottery to determine whether or not to grant a predetermined benefit to the user when a request for issuing a one-time code is received from the terminal device; a generating step of generating notification content for notifying the user of the winnings when the user who has requested the issuance of the one-time code wins the first lottery; a providing step of providing the notification content generated in the generating step to the user together with the one-time code; An information processing method comprising:

6. 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 first lottery to determine whether or not to grant a predetermined benefit to the user when a request for issuing a one-time code is received from the terminal device; a generation step of generating notification content for notifying the user of the winnings when the user who has requested the issuance of the one-time code wins the first lottery; a provision step of providing the notification content generated by the generation step to the user together with the one-time code; An information processing program characterized by causing the program to execute the above.

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