Information processing device, information processing method and information processing program

Abstract

To give a motivation for a service user to carry out a predetermined procedure.SOLUTION: An information processing device according to the present disclosure includes a settlement processing unit, a determining unit, a generating unit and a providing unit. The settlement processing unit executes a settlement process relating to an electronic settlement using an identification code. The determining unit determines whether a target user who is the person concerned for the settlement process completed within the session of a predetermined campaign has completed a predetermined procedure or not. The generating unit generates, when it is determined that the target user has completed the predetermined procedure, first contents to cause the target user to obtain a predetermined privilege corresponding to the predetermined campaign, and generates, when it is determined that the target person has not completed the predetermined procedure, second contents for notifying the target user of a state in which the predetermined privilege can be obtained upon completion of the predetermined procedure. The providing unit provides, to the target user via a settlement application, the first contents or the second contents.SELECTED DRAWING: Figure 7

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 that restricts the granting of benefits by a granting means when a verification means verifies that personal information has not been registered. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2020-038479 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned conventional techniques still have room for improvement in terms of motivating service users to carry out predetermined procedures.

[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 motivate service users to perform specified procedures. [Means for solving the problem]

[0006] The information processing device according to the present application includes a payment processing unit, a determination unit, a generation unit, and a provision unit. The payment processing unit executes payment processing for electronic payments using an identification code through a payment app installed on a terminal device used by a user of an electronic payment service. The determination unit determines whether a target user, who is a party to a payment processing completed within a predetermined campaign period, has completed a predetermined procedure. If the determination unit determines that the target user has completed the predetermined procedure, the generation unit generates first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign. If the determination unit determines that the target user has not completed the predetermined procedure, the generation unit generates second content for notifying the target user that the predetermined benefit will be available to be acquired upon completion of the predetermined procedure. The provision unit provides the first content or the second content generated by the generation unit to the target user through the payment app. [Effects of the Invention]

[0007] According to one aspect of the embodiment, it is possible to provide an advantage that the service user can be motivated to carry out a predetermined procedure. [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 the privilege-related content according to the embodiment. [Figure 3] FIG. 3 is a diagram illustrating an overview of the privilege-related content according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of a method for providing information about owned content according to the embodiment. [Figure 5] FIG. 5 is a diagram showing another example of a method for providing information on owned content according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of the configuration of an information processing system according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of the configuration of a payment service providing device according to the embodiment. [Figure 8] FIG. 8 is a diagram showing an overview of user information stored in the user information DB according to the embodiment. [Figure 9] FIG. 9 is a diagram showing an overview of information indicating the procedure status stored in the procedure status information DB according to the embodiment. [Figure 10] FIG. 10 is a diagram showing an outline of information related to benefits stored in the benefit information DB according to the embodiment. [Figure 11] FIG. 11 is a sequence diagram illustrating an example of a processing procedure of information processing executed by the information processing system according to the embodiment. [Figure 12] FIG. 12 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. The information processing described below is also premised on the assumption that code payment using an electronic payment service is carried out during a predetermined campaign period.

[0011] The terminal device 10 shown in Figure 1 is used by user U-1, who is a service user of an electronic payment service, to use code payment using an identification code, which is one type of electronic payment. A payment application program (payment app) equipped with various functions for code payment is pre-installed on the terminal device 10.

[0012] The in-store device 20 shown in FIG. 1 is used by an employee U-2 of a store (that is, a member store of the electronic payment service) that accepts payment for transaction items such as goods or services by code payment using an electronic payment service.

[0013] The payment service providing device 100 shown in Figure 1 performs various processes related to code payment. Payment service providing device 100 is operated and managed by a payment service provider that operates an electronic payment service that provides user U-1 with an environment for realizing code payment.

[0014] The terminal device 10 or the store device 20 shown in FIG. 1 sends a payment request to the payment service providing device 100 (step S01). For example, the terminal device 10 sends a payment request for user scan payment, a type of code payment in which the payment is made primarily by user U-1. Also, for example, the store device 20 sends a payment request for store scan payment, a type of code payment in which the payment is made primarily by store employee U-2. The payment methods will be described in detail later.

[0015] Upon receiving the payment request, payment service providing device 100 executes payment processing corresponding to the received payment request (step S02).

[0016] Furthermore, payment service providing device 100 determines whether user U-1, who is a party to the completed payment process, has completed the identity verification procedure (step S03). Note that the identity verification procedure is an example of a predetermined procedure set by the payment service provider, and is not limited to the identity verification procedure. Any procedure such as registering a bank account, registering a credit card, setting up regular remittances, or setting up bill payments may be set by the payment service provider.

[0017] The payment service providing device 100 also conducts a lottery to determine the content of a predetermined benefit to be awarded to user U-1, who is a party to the payment process (step S04). Examples of predetermined benefits include a scratch card that offers a point redemption rate calculated based on the payment amount of the code payment within a preset upper limit, and a payment-linked coupon. Examples of coupons include a coupon that allows user U-1 to earn predetermined points according to the payment amount, a coupon that provides a discount on the price of the transaction object, or a coupon that provides the transaction object free of charge.

[0018] In addition, the payment service providing device 100 may be based on the premise that all service users who complete payment during a specified campaign period will receive a specified benefit, or that service users who win a lottery held with a predetermined winning probability will receive a specified benefit.

[0019] For example, if it is assumed that all service users who complete a payment during a predetermined campaign period will receive a predetermined benefit, payment service providing device 100 can execute a lottery process to determine a point redemption rate calculated based on the payment amount of the code payment. Payment service providing device 100 can provide service users with a scratch card that allows them to earn the point redemption rate determined by the lottery process.

[0020] Furthermore, as the lottery process, payment service providing device 100 can also execute a lottery to determine the type of coupon to be provided to the service user from among a plurality of coupons, for example.

[0021] After the lottery is completed, payment service providing device 100 generates benefit-related content to be provided to user U-1, who is a party to the payment process, based on the determination result of step S03 (step S05).

[0022] Specifically, when payment service providing device 100 determines that user U-1, a party to the payment process, has completed the identity verification procedure, it generates first content for allowing user U-1 to acquire a predetermined benefit. On the other hand, when payment service providing device 100 determines that user U-1, a party to the payment process, has not completed the identity verification procedure, it generates second content for notifying user U-1 that the predetermined benefit will become available to be acquired, conditional on completion of the identity verification procedure.

[0023] Furthermore, payment service providing device 100 may generate second content for notifying user U-1 that a predetermined benefit will be available to him / her, on the condition that he / she completes the identity verification procedure by a predetermined expiration date. This allows payment service providing device 100 to inform user U-1 of the time limit by which he / she must complete the identity verification procedure to obtain the predetermined benefit. In this case, the predetermined expiration date may be set to include a predetermined period after the end of the predetermined campaign period. This allows payment service providing device 100 to give user U-1 ample time to complete the identity verification procedure.

[0024] After generating the content, payment service providing device 100 transmits information about the generated privilege-related content along with information about the payment completion screen to terminal device 10, thereby providing the content to user U-1, who is a party to the payment process (step S06). For example, payment service providing device 100 transmits control information for overlaying the privilege-related content on the payment completion screen to terminal device 10, along with information about the privilege-related content and the payment completion screen. As a result, terminal device 10 displays the privilege-related content as an overlay on the payment completion screen displayed on the payment app.

[0025] As described above, when user U-1, who is a party to a completed payment process, has not yet completed the identity verification procedure, payment service providing device 100 according to the embodiment provides user U-1 with benefit-related content (for example, scratch card CNT1-1 shown in FIG. 2) to notify user U-1 that a predetermined benefit will be available to him / her on the condition that he / she completes the identity verification procedure. In this way, payment service providing device 100 can motivate user U-1 to perform the predetermined procedure.

[0026] An overview of the privilege-related content provided to user U-1 will be explained below with reference to Figures 2 and 3. Figures 2 and 3 are diagrams for explaining the overview of the privilege-related content according to the embodiment. In the following explanation, an example will be explained in which a scratch card is provided to user U-1 as privilege-related content related to a predetermined privilege.

[0027] Fig. 2 shows an example of the transition of screens displayed on the terminal device 10 of user U-1 upon completion of payment. As shown in display example EX-1 in Fig. 2, a scratch card CNT1-1 and a card folder CNT1-2 are overlaid as bonus-related content on a payment completion screen G-1 displayed on the terminal device 10 to notify the user that payment has been completed.

[0028] The scratch card CNT1-1 and card folder CNT1-2 are examples of second content that is generated when user U-1 has not completed the identity verification procedure. The scratch card CNT1-1 notifies user U-1 that a scratch card will be available for acquisition, provided that the identity verification procedure is completed.

[0029] 2, scratch card CNT1-1 only notifies user U-1 of the conditions under which a scratch card can be obtained, and does not currently accept any operations from user U-1. Scratch card CNT1-1 may be content in which the function of the scratch card to display the contents of a predetermined benefit inside the scratch card in response to an operation by user U-1 is temporarily restricted, or may be content whose sole purpose is to notify user U-1 of the conditions under which a scratch card can be obtained.

[0030] Furthermore, the scratch card CNT1-1 is displayed for a certain period of time and then stored in the card folder CNT1-2. Furthermore, as shown in display example EX-2 in Fig. 2, in response to an operation by the user U-1 on the card folder CNT1-2, a half-sheet image G-2 showing the scratch card CNT1-1 that has just been stored in the card folder CNT1-2 is displayed on the terminal device 10 as shown in display example EX-3 in Fig. 2.

[0031] Furthermore, as shown in display example EX-4 of Fig. 2, when an operation by user U-1 on scratch card CNT1-1 displayed on half-sheet image G-2 is detected, an identity verification procedure screen G-3 is displayed on the terminal device 10, as shown in display example EX-5 of Fig. 2. User U-1 can carry out identity verification procedures through the procedure screen G-3.

[0032] 3 shows an example of the first content generated when user U-1 has completed the identity verification procedure. As shown in display example EX-6 in FIG. 3, on the terminal device 10, a scratch card CNT2-1 and a card folder CNT2-2 are overlaid as bonus-related content on a payment completion screen G-1 for notifying user U-1 that payment has been completed.

[0033] The scratch card CNT2-1 is a content for allowing the user U-1 to acquire a predetermined benefit. Specifically, the content of the predetermined benefit is displayed inside the scratch card CNT2-1 in response to an operation by the user U-1.

[0034] An example of a method for providing information about content held by a service user will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of a method for providing information about content held according to the embodiment.

[0035] Payment service providing device 100 manages information on content held by service users. Specifically, payment service providing device 100 manages information on unused content that is within its expiration date. Then, payment service providing device 100 provides information on the held content to service users via a payment app.

[0036] For example, information on content owned by a service user managed by payment service providing device 100 is provided to the service user through a scratch card management screen G-4 displayed on terminal device 10, as shown in display example EX-7 in Fig. 4. The scratch card management screen G-4 is displayed on terminal device 10, for example, when the service user operates a payment app.

[0037] Another example of a method for providing information about content held by a service user will be described with reference to Fig. 5. Fig. 5 is a diagram showing another example of a method for providing information about content held by a service user according to an embodiment.

[0038] When the status of the held content satisfies a predetermined condition, payment service providing device 100 automatically distributes information about the held content to terminal device 10 via the payment app. For example, when the number of held contents exceeds a predetermined number, payment service providing device 100 may provide information about the held content to the service user by a push notification via the payment app. Furthermore, for example, payment service providing device 100 may provide information about held content whose remaining number of days until the corresponding predetermined expiration date is less than a predetermined number of days to the service user by a push notification via the payment app.

[0039] The push notification from payment service providing device 100 is made known to the service user through a notification icon OB-2 provided on a top screen G-5 of the payment app displayed on terminal device 10, as shown in display example EX-8 in Fig. 5. When the service user operates notification icon OB-2, a notification screen G-6 is displayed on terminal device 10, as shown in display example EX-9 in Fig. 5. Information J related to content (e.g., a scratch card) owned by the service user is displayed on notification screen G-6, for example.

[0040] [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 code payment using 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-1 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.

[0041] 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.

[0042] 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.

[0043] 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.

[0044] 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).

[0045] 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.

[0046] 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.

[0047] 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.

[0048] 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.

[0049] 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.

[0050] 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.

[0051] 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.

[0052] 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, a payment in which electronic money is transferred from user U's account to the account of another user U (i.e., a remittance between users). For example, terminal device 10 used by remitter user U reads user identification information identifying recipient user U (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 U's account, and notify the recipient user U that the remittance has been completed by displaying a screen or outputting a predetermined sound on terminal device 10 or another terminal device 10 used by recipient user U to indicate that the remittance has been completed.

[0053] It should be noted that remittance using terminal device 10 is not limited to the process described above. For example, remittance using terminal device 10 may be performed by inputting the telephone number of remittee user U or information identifying remittee user U (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 remittee user U 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 user U linked to the transmitted telephone number or user ID.

[0054] Here, the telephone number or user ID of the remittance recipient user U may be registered in advance in the payment app in association with information about the user U. In this case, terminal device 10 accepts from user U the designation of user U (remittance recipient) registered in the payment app and an input of the remittance amount to the user U, and transmits to payment service providing device 100 the telephone number or user ID associated with the designated user U, the remittance amount, and user identification information that identifies user U.

[0055] Furthermore, for example, a remittance using terminal device 10 may be performed by providing link information for receiving the remittance amount to user U, the remittee. 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 another terminal device 10 used by user U, the remittee, by sending an email containing the link information or posting information containing the link information on an SNS (Social Networking Service). Then, when user U, the remittee, 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 user U's account to user U's account, the account of user U, the remittee.

[0056] 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 U. 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 user U 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 transactions 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 payment-related control and remittance-related control, 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.

[0057] [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. 6 is a diagram showing an example of the configuration of the information processing system SYS according to the embodiment.

[0058] As shown in Figure 6, the information processing system SYS according to the embodiment is configured to include multiple terminal devices 10, in-store devices 20, and a payment service providing device 100. Note that the configuration of the information processing system SYS shown in Figure 6 is an example, and other devices other than those exemplified in Figure 6 may also be included.

[0059] 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 and payment service providing device 100 can communicate with other devices via network N.

[0060] 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).

[0061] 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.

[0062] The terminal device 10 is used by a service user of the electronic payment service (for example, user U-1 shown in FIG. 1). Each of the multiple terminal devices 10 is used by a different service user.

[0063] 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.

[0064] A service user using terminal device 10 can use a payment app pre-installed on terminal device 10. The service user 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.

[0065] 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.

[0066] The in-store device 20 is installed in a store where payment for a transaction such as a product or service can be made by code payment using an electronic payment service (i.e., a member store of the electronic payment service). Such a store is operated and managed by a retailer or the like that has concluded a member store agreement with a payment service provider that provides the electronic payment service to obtain permission to use the payment processing platform of the electronic payment service.

[0067] The in-store device 20 is connected to a network N via short-range wireless communication such as a wireless local area network (LAN), and can communicate with other devices such as the payment service providing device 100 through the network N. The in-store device 20 can transmit transaction information related to code payments, such as a payment request for code payments using an electronic payment service, to the payment service providing device 100.

[0068] In-store device 20 is typically a PoS (Point of Sale system), but is not limited to this example and may be realized by a notebook PC (Personal Computer), desktop PC, tablet PC, etc. In-store device 20 also displays information distributed by payment service providing device 100 using a web browser or application.

[0069] When in-store device 20 receives control information for implementing predetermined information processing from payment service providing device 100, it implements 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 the predetermined application itself distributed from payment service providing device 100 may also be considered as control information.

[0070] 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.

[0071] 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.

[0072] Payment service providing device 100 manages, for example, electronic money accounts of providers (e.g., stores) of transaction objects provided to service users, and electronic money accounts (also referred to as "electronic wallets") of service users who receive transaction objects. Payment service providing device 100 can realize code payments 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 countries such as Japanese yen or dollars.

[0073] The configuration of the information processing system SYS according to the embodiment is not limited to the example shown in Fig. 6, and may include a store device 20 installed in a store that provides transaction targets such as goods and services to users U. The 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 laptop PC, a desktop PC, a tablet PC, or the like.

[0074] 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.

[0075] 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") 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 20.

[0076] 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 7. Figure 7 is a diagram showing an example of the configuration of payment service providing apparatus 100 according to an embodiment. As shown in Figure 7, payment service providing apparatus 100 according to an embodiment has a communication unit 110, a storage unit 120, and a control unit 130.

[0077] (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.

[0078] (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. 7, the storage unit 120 has a user information DB (Data Base) 121, a procedure status information DB 122, and a benefit information DB 123.

[0079] (User information DB121) The user information DB 121 stores user information related to a service user of the electronic payment service (for example, user U-1 shown in FIG. 1). Fig. 8 is a diagram showing an overview of the user information stored in the user information DB 121 according to the embodiment.

[0080] 8, the user information stored in the user information DB 121 has multiple items such as a "user ID" item, a "name" item, a "balance" item, etc. These items in the user information are associated with each other.

[0081] The "User ID" field stores a user ID, which is identification information unique to a service user of an electronic payment service. The "Name" field stores information indicating the name of the service user. The "Balance" field stores information indicating the balance of electronic money that the service user can use for code payment. The "Balance" field may also store information indicating points that the service user has earned as a specified benefit.

[0082] (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. 9 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 and the below-described benefit information DB123.

[0083] 9, 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.

[0084] The "User ID" field stores a user ID, which is identification information unique to the service user. The "Account Registration" field stores information indicating whether the procedure for registering a bank account, which is mainly used to charge the balance of electronic money, has been completed. The "Identity Verification" field stores information indicating whether the procedure for identity verification has been completed. Examples of procedures include identity verification and bank account registration, as well as optional procedures such as credit card registration, setting up regular remittances, and setting up bill payments, which may be set by the payment service provider.

[0085] (Bonus information DB123) The privilege information DB 123 stores information about predetermined privileges provided to service users. Fig. 10 is a diagram showing an overview of information about privileges stored in the privilege information DB 123 according to the embodiment. Note that the privilege information DB 123 may be integrated with the above-mentioned user information DB 121 and procedure status information DB 122.

[0086] 10, the information about the privilege stored in the privilege information DB 123 according to the embodiment has a plurality of items such as a "user ID" item, a "content" item, and an "expiration date" item. These items included in the information about the privilege are associated with each other.

[0087] The "User ID" field stores a user ID, which is identification information unique to the service user. The "Content" field stores information about benefit-related content provided to the service user. The benefit-related content includes first content (e.g., scratch card CNT2-1 and card folder CNT2-2 shown in FIG. 3) for allowing the target service user to acquire a predetermined benefit corresponding to a predetermined campaign, and second content (e.g., scratch card CNT1-1 and card folder CNT1-2 shown in FIG. 2) for notifying the target service user that the predetermined benefit will become available upon completion of a predetermined procedure.

[0088] The "Expiration Date" field stores information indicating the expiration date of the reward-related content provided to the service user. A service user who has not completed the identity verification procedure can obtain the content with which they can obtain a specific reward by completing the identity verification procedure within the expiration date. The expiration date may also be set to include a specific period after the end of a specific campaign period.

[0089] (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.

[0090] 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).

[0091] As shown in Figure 7, control unit 130 has payment processing unit 131, determination unit 132, lottery processing unit 133, generation unit 134, and provision 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 7 in response to expansion of the various processes executed by payment service providing device 100.

[0092] (Payment processing unit 131) When the payment processing unit 131 receives a payment request from the terminal device 10 or the in-store device 20 via the communication unit 110, it executes payment processing corresponding to the payment request.

[0093] (Judgment unit 132) The determination unit 132 determines whether a target service user who is a party to a payment process completed within a predetermined campaign period has completed a predetermined procedure. For example, the determination unit 132 can determine whether a target service user has completed the identity verification procedure by referring to the status of the identity verification procedure stored in the procedure status information DB 122 using the user ID corresponding to the target service user as a key.

[0094] The predetermined procedures may include identity verification procedures as well as optional procedures such as bank account registration, credit card registration, setting up regular remittances, and setting up bill payments, which may be set by the payment service provider.

[0095] (lottery processing unit 133) The lottery processing unit 133 executes a lottery to determine the content of a predetermined benefit to be provided to the target service user who is the party involved in the payment process that is completed within the period of a predetermined campaign.

[0096] (Generation unit 134) When the determination unit 132 determines that the target service user has completed the predetermined procedure, the generation unit 134 generates, as the benefit-related content, first content (for example, the scratch card CNT2-1 and the card folder CNT2-2 shown in FIG. 3) for allowing the target service user to acquire a predetermined benefit corresponding to a predetermined campaign. Furthermore, when the determination unit 132 determines that the target service user has not completed the predetermined procedure, the generation unit 134 generates, as the benefit-related content, second content (for example, the scratch card CNT2-1 and the card folder CNT2-2 shown in FIG. 2) for notifying the target service user that the predetermined benefit will be available to be acquired on the condition that the predetermined procedure is completed. Furthermore, the generation unit 134 stores the generated first content or second content in the benefit information DB 123 in association with the user ID of the target service user.

[0097] Furthermore, the generation unit 134 can generate the first content or the second content that reflects the result of the lottery drawn by the lottery processing unit 133.

[0098] In addition, the generation unit 134 may generate second content to notify the target service user that a specified benefit will be available to be acquired, provided that a specified procedure is completed by a predetermined expiration date that is set in advance.

[0099] (Provider 135) The providing unit 135 transmits the first content or the second content generated as the benefit-related content by the generating unit 134 to the terminal device 10 via the communication unit 110, thereby providing the first content or the second content to the target service user.

[0100] Furthermore, the providing unit 135 provides screen information for procedures (for example, the procedure screen G-3 shown in FIG. 2) for executing a predetermined procedure in response to an operation of the target service user on the second content.

[0101] Furthermore, the providing unit 135 provides information about the owned content stored in the benefit information DB 123 to the service user through the payment application.

[0102] Furthermore, when the status of the owned content satisfies a predetermined condition, the providing unit 135 automatically delivers information about the owned content to the service user via the payment application.

[0103] For example, when the number of owned contents stored in the privilege information DB 123 exceeds a predetermined number, the providing unit 135 may provide the service user with information about the owned contents by a push notification through the payment application. Furthermore, for example, the providing unit 135 may provide the service user with information about owned contents stored in the privilege information DB 123 whose remaining number of days until the corresponding predetermined expiration date is less than a predetermined number of days by a push notification through the payment application.

[0104] [5. Example of processing procedure] The flow of information processing executed by information processing system SYS according to an embodiment will be described below with reference to Figure 11. Figure 11 is a sequence diagram showing an example of the processing procedure of information processing executed by information processing system SYS according to an embodiment. Of the processing procedures shown in Figure 11, the processing procedures executed by payment service providing device 100 are executed by control unit 130 of payment service providing device 100.

[0105] As shown in FIG. 11, the terminal device 10 or the store device 20 transmits a payment request to the payment service providing device 100 (step S101).

[0106] When payment processing unit 131 of payment service providing device 100 receives a payment request from terminal device 10 or in-store device 20, it executes payment processing corresponding to the received payment request (step S102).

[0107] Furthermore, determination unit 132 of payment service providing apparatus 100 determines whether or not the target service user, who is the party involved in the payment processing completed within the predetermined campaign period, has completed the predetermined procedure (step S103).

[0108] In addition, the lottery processing unit 133 of the payment service providing device 100 conducts a lottery to determine the content of a specified benefit to be provided to the target service user who is the party involved in the payment processing completed within the specified campaign period (step S104).

[0109] In addition, when the determination unit 132 determines that the target service user has completed the specified procedure, the generation unit 134 of the payment service providing device 100 generates a first content as benefit-related content for allowing the target service user to acquire a specified benefit corresponding to a specified campaign, and when the determination unit 132 determines that the target service user has not completed the specified procedure, the generation unit 134 generates a second content as benefit-related content for notifying the target service user that the specified benefit will be available to be acquired on the condition that the specified procedure is completed (step S105).

[0110] Furthermore, generation unit 134 of payment service providing apparatus 100 stores the generated first content or second content in privilege information DB 123 in association with the user ID of the target service user (step S106).

[0111] Furthermore, providing unit 135 of payment service providing apparatus 100 transmits the first content or the second content generated as the benefit-related content by generating unit 134 to terminal device 10 via communication unit 110, thereby providing the first content or the second content to the target service user (step S107). This ends the processing procedure shown in FIG. 11.

[0112] [6. Modifications] (6-1. Notification of content activation) In the above embodiment, providing unit 135 of payment service providing apparatus 100 may provide the target service user with second content for notifying the target service user that a predetermined benefit will be available upon completion of the identity verification procedure, and then, when the target service user has completed the identity verification procedure, notify the target service user by push notification via the payment app that the predetermined benefit is available. This is expected to enable payment service providing apparatus 100 to smoothly allow the target service user to obtain the predetermined benefit.

[0113] (6-2. Regarding the provision of benefits according to the type of procedure) Furthermore, in the above embodiment, payment service providing device 100 may change the content of the benefit to be provided to the target service user depending on the type of procedure completed by the target service user. For example, payment service providing device 100 may set the content of the point redemption rate calculated according to the payment amount when the identity verification procedure is completed to be different from the content of the point redemption rate calculated according to the payment amount when the bank account registration is completed.

[0114] (6-3. System configuration, etc.) Furthermore, in the above embodiment, the information processing performed by payment service providing apparatus 100 may be performed, for example, by another information processing device replacing payment service providing apparatus 100. In this case, it is sufficient that the other information processing device replacing payment service providing apparatus 100 has the function of realizing 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 12. Figure 12 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 includes a payment processing unit 131, a determination unit 132, a generation unit 134, and a provision unit 135. The payment processing unit 131 executes payment processing for electronic payment using an identification code through a payment app installed on the terminal device 10 used by a user of the electronic payment service. The determination unit 132 determines whether a target user (e.g., user U-1 shown in FIG. 1 ), who is a party to a payment processing completed within a predetermined campaign period, has completed a predetermined procedure. If the determination unit 132 determines that the target user has completed the predetermined procedure, the generation unit 134 generates first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign. If the determination unit 132 determines that the target user has not completed the predetermined procedure, the generation unit 134 generates second content (e.g., scratch card CNT1-1 shown in FIG. 2 ) for notifying the target user that the predetermined benefit will be available to the target user upon completion of the predetermined procedure. The providing unit 135 provides the first content or the second content generated by the generating unit 134 to the target user through the payment application.

[0127] In addition, in the payment service providing device 100 according to the embodiment, the generation unit 134 may generate second content to notify the target user that a specified benefit will be available to be acquired, on the condition that a specified procedure is completed by a predetermined expiration date that is set in advance.

[0128] Furthermore, in payment service providing device 100 according to the embodiment, the predetermined expiration date may be set to include a predetermined period after the end of the period during which a predetermined campaign is held.

[0129] In addition, in the payment service providing device 100 according to the embodiment, the providing unit 135 may provide the target user with screen information for a procedure for performing a specified procedure through the payment app in response to the target user's operation on the second content.

[0130] Furthermore, payment service providing device 100 according to the embodiment may further include storage unit 120 that stores information about content held by the user in association with identification information for identifying the user. In this case, providing unit 135 may provide the information about the content held to the user through the payment app.

[0131] Furthermore, payment service providing device 100 according to the embodiment may further include storage unit 120 that stores information about content held by the user in association with identification information for identifying the user. In this case, when the status of the held content satisfies a predetermined condition, providing unit 135 may automatically deliver the information about the held content to the user through the payment app.

[0132] Furthermore, in payment service providing device 100 according to the embodiment, when the number of owned contents exceeds a predetermined number, providing unit 135 may provide information on the owned contents to the user by push notification via the payment app.

[0133] In addition, in the payment service providing device 100 according to the embodiment, the providing unit 135 may provide the user with information regarding the retained content for which the number of days remaining until the predetermined expiration date set in advance for the retained content is less than the predetermined number of days, by means of a push notification via the payment app.

[0134] Furthermore, the payment service providing device 100 according to the embodiment may further include a lottery processing unit 133 that executes a lottery to determine the content of a predetermined benefit.

[0135] In this way, when a target user (for example, user U-1 shown in FIG. 1) who is a party to the completed payment process has not completed the identity verification procedure, payment service providing device 100 according to the embodiment provides the target user with second content (for example, scratch card CNT1-1 shown in FIG. 2) for notifying the target user that a predetermined benefit will be available on the condition that the identity verification procedure is completed. In this way, payment service providing device 100 can motivate the target user to perform the predetermined procedure.

[0136] 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.

[0137] [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 been modified and improved in various ways based on the knowledge of those skilled in the art.

[0138] Furthermore, the configuration of payment service providing apparatus 100 described above 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.

[0139] 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]

[0140] 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 Procedure Status Information DB 123 Bonus Information DB 130 Control Unit 131 Payment processing unit 132 Judgment section 133 Lottery Processing Unit 134 Generation part 135 Provision Department

Claims

1. a payment processing unit that executes payment processing related to electronic payment using an identification code through a payment app installed on a terminal device used by a user of the electronic payment service; a determination unit that determines whether or not a target user who is a party to the payment process completed within a predetermined campaign period has completed a predetermined procedure; a generation unit that generates first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign when the determination unit determines that the target user has completed the predetermined procedure, and generates second content for notifying the target user that the predetermined benefit will be available to be acquired on condition that the predetermined procedure is completed when the determination unit determines that the target user has not completed the predetermined procedure; a providing unit that provides the first content or the second content generated by the generating unit to the target user through the payment application; An information processing device comprising:

2. The generation unit A second content is generated to notify the target user that the predetermined benefit will be available to be acquired on the condition that the predetermined procedure is completed by a predetermined expiration date that is set in advance.

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

3. The predetermined expiration date is set to include a predetermined period after the end of the campaign period.

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

4. The providing unit In response to an operation of the target user on the second content, screen information for a procedure for executing the predetermined procedure is provided to the target user through the payment application.

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

5. a storage unit that stores information about content held by the user in association with identification information for identifying the user; and The providing unit Providing information about the owned content to the user through the payment app 2. The information processing apparatus according to claim 1, wherein:

6. a storage unit that stores information about content held by the user in association with identification information for identifying the user; and The providing unit When the status of the owned content satisfies a predetermined condition, information about the owned content is automatically delivered to the user through the payment application.

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

7. The providing unit If the number of owned contents exceeds a predetermined number, information about the owned contents is provided to the user by push notification via the payment application.

7. The information processing apparatus according to claim 6,

8. The providing unit Provide the user with information about the owned content, of which the number of days remaining until a predetermined expiration date set in advance for the owned content is less than a predetermined number of days, by push notification via the payment app.

7. The information processing apparatus according to claim 6,

9. a lottery processing unit that executes a lottery to determine the content of the predetermined benefit 2. The information processing apparatus according to claim 1, further comprising:

10. An information processing method performed by a computer, comprising: a payment processing step of executing a payment process related to electronic payment using the identification code through a payment application installed on a terminal device used by a user of the electronic payment service; a determination step of determining whether or not a target user who is a party to the payment processing completed within a predetermined campaign period has completed a predetermined procedure; a generation step of generating first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign when the determination step determines that the target user has completed the predetermined procedure, and generating second content for notifying the target user that the predetermined benefit will be available to be acquired on condition that the predetermined procedure is completed when the determination step determines that the target user has not completed the predetermined procedure; a providing step of providing the first content or the second content generated in the generating step to the target user through the payment application; An information processing method comprising:

11. On the computer, a payment processing procedure for executing a payment process for electronic payment using an identification code through a payment application installed on a terminal device used by a user of the electronic payment service; a determination step of determining whether or not a target user who is a party to the payment processing completed within a predetermined campaign period has completed a predetermined procedure; a generation procedure for generating first content for allowing the target user to acquire a predetermined benefit corresponding to the predetermined campaign when the determination procedure determines that the target user has completed the predetermined procedure, and for generating second content for notifying the target user that the predetermined benefit will be available to be acquired on condition that the predetermined procedure is completed when the determination procedure determines that the target user has not completed the predetermined procedure; a providing step of providing the first content or the second content generated by the generating step to the target user through the payment application; An information processing program characterized by causing the program to execute the above.

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